BHB
Financial ServicesBar Harbor Bankshares · Banks - Regional · $580M
What is Bar Harbor Bankshares?
Bar Harbor Bankshares is the holding company for Bar Harbor Bank & Trust, a community bank serving individuals, businesses, and municipalities across northern New England. Founded in 1887, it operates from its headquarters in Bar Harbor, Maine.
Bar Harbor Bank & Trust generates revenue through traditional banking activities — accepting deposits and extending loans across commercial real estate, commercial and industrial, residential mortgage, and consumer categories. The bank also earns fee income through wealth management, trust and estate administration, and financial planning services. Its network spans 53 branch locations across Maine, New Hampshire, and Vermont.
Bar Harbor Bank & Trust traces its roots to 1887 and is headquartered in Bar Harbor, Maine.
- Commercial and residential lending
- Deposit products including savings, money market, and certificates of deposit
- Wealth management and trust administration
- Financial planning and retirement services
Is BHB a Good Stock to Buy?
UQS Score rates BHB as Below Average overall, reflecting meaningful headwinds across several key pillars.
The Valuation pillar stands out as Attractive, suggesting the market may already be pricing in much of the weakness seen elsewhere. The Quality pillar registers as Neutral, indicating the bank's core operations are not in distress.
The Moat, Growth, and Risk pillars all register as Weak — a combination that points to limited competitive differentiation, constrained expansion prospects, and elevated risk relative to peers.
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Past performance does not guarantee future results. UQS Score is based on fundamental data and is not a buy/sell recommendation.
Does BHB pay dividends?
Yes — Bar Harbor Bankshares pays a dividend.
Bar Harbor Bankshares pays a regular dividend, consistent with the income-oriented tradition of community banks. For investors seeking current income from a small-cap regional bank, BHB's dividend history is a notable feature. The sustainability of that dividend, however, should be weighed against the Weak Risk and Growth pillar ratings.
When does BHB report earnings?
Bar Harbor Bankshares reports earnings on a quarterly cadence, typical for US-listed bank holding companies.
The bank's recent results reflect the pressures common to community lenders — net interest margin sensitivity and modest loan growth. Pillar ratings suggest performance has been below sector peers on growth and risk dimensions.
For the most recent quarter's results and guidance, visit Bar Harbor Bankshares' investor relations page directly.
BHB Price History
+34.3% over 5Y
Monthly close, adjusted for stock splits and dividend reinvestment.
What if I invested in Bar Harbor Bankshares?
Based on Bar Harbor Bankshares's historical closing prices, adjusted for stock splits and dividend reinvestment. Past performance does not guarantee future results. This is for informational purposes only and is not financial advice.
BHB Long-term Outlook
The combination of Weak Growth and Weak Risk pillar ratings suggests the near-term fundamental outlook for BHB is cautious. Community banks of this size face ongoing pressure from larger regional competitors and a rate-sensitive balance sheet. The Attractive Valuation pillar indicates the stock may reflect these challenges, but a meaningful re-rating would likely require improvement in growth or risk metrics.
Growth drivers
- Potential for fee income expansion through wealth management and trust services
- Geographic presence across three New England states providing a stable deposit base
Key risks
- Interest rate sensitivity affecting net interest margin
- Limited competitive moat relative to larger regional banks
- Constrained loan growth in a competitive small-market environment
BHB vs Peers
Bar Harbor Bankshares competes with other small-cap community and regional banks in the northeastern US.
Third Coast operates in the Texas Gulf Coast market, offering a different geographic and economic exposure compared to BHB's New England footprint.
Northfield Bancorp focuses on the New York and New Jersey metro area, giving it access to a denser urban deposit market than BHB's rural and small-city base.
Peoples Financial serves communities in Pennsylvania and surrounding states, with a similarly traditional community banking model but a distinct regional economy.
Frequently Asked Questions
What does Bar Harbor Bankshares do?
Bar Harbor Bankshares is the holding company for Bar Harbor Bank & Trust, which provides commercial lending, retail banking, residential mortgages, consumer loans, and wealth management services. It operates 53 locations across Maine, New Hampshire, and Vermont, serving individuals, businesses, nonprofits, and municipalities.
Does BHB pay dividends?
Yes, Bar Harbor Bankshares pays a regular dividend. This is consistent with the income-focused approach common among community bank holding companies. Investors should review the current dividend rate and payout history on the company's investor relations page before making decisions.
When does BHB report earnings?
Bar Harbor Bankshares reports on a quarterly cadence, as is standard for US-listed bank holding companies. For the exact timing of upcoming earnings releases, check the company's investor relations page or a financial calendar service.
Is BHB a good stock to buy?
UQS Score rates BHB as Below Average overall. The Valuation pillar is Attractive, but the Moat, Growth, and Risk pillars are all Weak. Whether that combination suits your portfolio depends on your risk tolerance and investment goals. The full pillar breakdown is available to Pro members.
Is BHB overvalued?
Based on the UQS Valuation pillar, BHB is rated Attractive — meaning the stock does not appear overvalued relative to its fundamentals at current levels. This is one of the few positive signals in the overall UQS profile for this ticker.
How does BHB compare to its competitors?
BHB operates in a similar small-cap community banking space as peers like Northfield Bancorp and Peoples Financial Services. Its New England geographic focus and wealth management capabilities offer some differentiation, though its Weak Moat rating suggests limited structural advantages over comparable banks.
What is BHB's market cap bracket?
Bar Harbor Bankshares is classified as a small-cap stock. This places it in a segment of the market that can offer value opportunities but also carries higher liquidity risk and less analyst coverage than larger bank holding companies.
Who founded Bar Harbor Bankshares?
Bar Harbor Bank & Trust was originally founded in 1887, making it one of the longer-standing community banks in New England. Detailed founding history and leadership information is available on the company's official website and investor relations materials.
Is BHB a long-term quality investment?
As a long-term quality indicator, UQS Score rates BHB as Below Average. The Weak Moat and Weak Growth pillars are the primary concerns for long-horizon investors. An Attractive Valuation may offer some cushion, but sustained quality improvement across pillars would strengthen the long-term case.
What is the main competitive advantage of Bar Harbor Bankshares?
Bar Harbor Bank & Trust's longest-standing advantage is its deep community presence across Maine, New Hampshire, and Vermont, combined with a wealth management and trust services platform that extends beyond basic banking. However, the UQS Moat pillar rates this advantage as Weak relative to broader sector peers.
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Pro Analysis
BHB — Score History
| Date | UQS | Quality | Moat | Growth | Risk | Value | Change |
|---|---|---|---|---|---|---|---|
| May 23, 2026 | 42.0 | 55.4 | 15.0 | 33.4 | 34.2 | 83.7 | +0.1 |
| May 21, 2026 | 41.9 | 55.4 | 15.0 | 33.4 | 34.2 | 83.4 | -0.2 |
| May 20, 2026 | 42.1 | 55.4 | 15.0 | 33.4 | 34.2 | 84.3 | +0.1 |
| May 17, 2026 | 42.0 | 55.4 | 15.0 | 33.4 | 34.2 | 84.0 | -0.1 |
| May 16, 2026 | 42.1 | 55.4 | 15.0 | 33.4 | 34.2 | 84.6 | +0.1 |
| May 14, 2026 | 42.0 | 55.4 | 15.0 | 33.4 | 34.2 | 83.8 | +0.3 |
| May 12, 2026 | 41.7 | 55.8 | 15.0 | 33.4 | 34.2 | 81.4 | 0.0 |
| May 11, 2026 | 41.7 | 55.8 | 15.0 | 33.4 | 34.2 | 81.3 | +0.6 |
| May 10, 2026 | 41.1 | 55.8 | 15.0 | 33.4 | 34.2 | 77.4 | -0.6 |
| May 8, 2026 | 41.7 | 55.9 | 15.0 | 33.4 | 34.2 | 81.4 | -0.5 |
BHB — Pillar Breakdown
Quality
— 55.4/100 (25%)Bar Harbor Bankshares shows solid profitability with healthy returns on capital and reasonable margins.
Profitability relative to shareholders' equity.
Ability to convert revenue into operating profit.
Bottom-line profit as a share of revenue.
Free cash flow relative to market value.
Growth
— 33.4/100 (20%)Bar Harbor Bankshares faces growth headwinds with declining or stagnant revenue trends.
Revenue trajectory over the last twelve months.
Compound annual revenue growth rate over 3 years.
Year-over-year earnings per share growth.
Analyst consensus for future revenue growth.
Analyst consensus for future earnings growth.
Risk
— 34.2/100 (15%)Bar Harbor Bankshares presents elevated risk with concerns around leverage or financial stability.
Total debt relative to shareholder equity.
Short-term liquidity — ability to pay near-term obligations.
Earnings capacity relative to interest payments.
Valuation
— 85.9/100 (15%)Bar Harbor Bankshares appears attractively valued relative to its earnings, cash flows, and sector peers.
Inverse of forward P/E — higher yield means cheaper stock.
How many years of FCF the market cap represents.
P/E relative to earnings growth — lower is more attractive.
Enterprise value multiple relative to sector median.
Moat
— 15/100 (25%)Bar Harbor Bankshares operates in a highly competitive environment with limited sustainable advantages. The Moat pillar evaluates competitive advantages across five dimensions: Switching Costs, Network Effects, Cost Advantage, Intangible Assets, and Scale & Ecosystem. Sign in to customize moat ratings for BHB.
Score Composition
Financial Data
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How is the BHB UQS Score Calculated?
The UQS (Unified Quality Score) for Bar Harbor Bankshares is calculated using a proprietary 6-pillar framework with 29 financial metrics. Each pillar evaluates a different dimension on a 0–100 scale, then combines into a single weighted score. Scoring thresholds are calibrated per sector. Momentum is an optional Pro toggle — without it, you get the 5-pillar / 25-metric core shown below.
Quality (25%) measures profitability and capital efficiency — ROIC, ROE, margins, GP/Assets, and FCF Yield.
Moat (25%) assesses Bar Harbor Bankshares's competitive advantages across switching costs, network effects, cost advantages, intangible assets, and ecosystem scale.
Growth (20%) tracks revenue trajectory and earnings momentum, combining historical results with analyst forward estimates.
Risk (15%) is inversely scored — lower leverage and strong balance sheet health result in higher scores.
Valuation (15%) measures whether Bar Harbor Bankshares is fairly priced using earnings yield, price-to-FCF, PEG ratio, and EV/EBITDA relative to sector peers.
Six investor-inspired presets are available, each with different pillar weights: Balanced, Buffett, Munger, Lynch, Cathie Wood, and Graham. The public score shown here uses the Balanced preset. Learn more in our FAQ.