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GuruFocus Financial Strength Rank measures how strong a company’s financial situation is. It is based on these factors

1. The debt burden that the company has as measured by its Interest coverage (current year).
2. Debt to revenue ratio. The lower, the better
3. Altman Z-score.

A company ranks high with financial strength is likely to withstand any business slowdowns and recessions.

Financial Strength : 6/10

vs
industry
vs
history
Cash to Debt 0.02
BHB's Cash to Debt is ranked lower than
55% of the 1748 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.86 vs. BHB: 0.02 )
BHB' s 10-Year Cash to Debt Range
Min: 0.02   Max: 0.3
Current: 0.02

0.02
0.3
Equity to Asset 0.10
BHB's Equity to Asset is ranked higher than
74% of the 2312 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.09 vs. BHB: 0.10 )
BHB' s 10-Year Equity to Asset Range
Min: 0.07   Max: 0.12
Current: 0.1

0.07
0.12
Interest Coverage 2.07
BHB's Interest Coverage is ranked higher than
76% of the 2185 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.17 vs. BHB: 2.07 )
BHB' s 10-Year Interest Coverage Range
Min: 0.33   Max: 2.07
Current: 2.07

0.33
2.07
F-Score: 2
Z-Score: 0.31
WACC vs ROIC
4.12%
2.57%
WACC
ROIC
GuruFocus Profitability Rank ranks how profitable a company is and how likely the company’s business will stay that way. It is based on these factors:

1. Operating Margin
2. Trend of the Operating Margin (5-year average). The company with an uptrend profit margin has a higher rank.
••3. Consistency of the profitability
4. Piotroski F-Score
5. Predictability Rank•

The maximum rank is 10. A rank of 7 or higher means a higher profitability and may stay that way. A rank of 3 or lower indicates that the company has had trouble to make a profit.

Profitability Rank is not directly related to the Financial Strength Rank. But if a company is consistently profitable, its financial strength will be stronger.

Profitability & Growth : 6/10

vs
industry
vs
history
Operating margin (%) 39.56
BHB's Operating margin (%) is ranked higher than
85% of the 2426 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 30.22 vs. BHB: 39.56 )
BHB' s 10-Year Operating margin (%) Range
Min: 20.16   Max: 45.28
Current: 39.56

20.16
45.28
Net-margin (%) 28.15
BHB's Net-margin (%) is ranked higher than
84% of the 2426 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 22.12 vs. BHB: 28.15 )
BHB' s 10-Year Net-margin (%) Range
Min: 13.68   Max: 31.6
Current: 28.15

13.68
31.6
ROE (%) 10.42
BHB's ROE (%) is ranked higher than
81% of the 2426 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.98 vs. BHB: 10.42 )
BHB' s 10-Year ROE (%) Range
Min: 6.81   Max: 15.92
Current: 10.42

6.81
15.92
ROA (%) 1.01
BHB's ROA (%) is ranked higher than
81% of the 2433 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.80 vs. BHB: 1.01 )
BHB' s 10-Year ROA (%) Range
Min: 0.74   Max: 1.86
Current: 1.01

0.74
1.86
ROC (Joel Greenblatt) (%) 6.11
BHB's ROC (Joel Greenblatt) (%) is ranked higher than
52% of the 2392 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 89.92 vs. BHB: 6.11 )
BHB' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: 6.33   Max: 62.48
Current: 6.11

6.33
62.48
Revenue Growth (3Y)(%) 6.80
BHB's Revenue Growth (3Y)(%) is ranked higher than
85% of the 2094 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.20 vs. BHB: 6.80 )
BHB' s 10-Year Revenue Growth (3Y)(%) Range
Min: -4.7   Max: 12.9
Current: 6.8

-4.7
12.9
EBITDA Growth (3Y)(%) 9.00
BHB's EBITDA Growth (3Y)(%) is ranked higher than
77% of the 1872 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.10 vs. BHB: 9.00 )
BHB' s 10-Year EBITDA Growth (3Y)(%) Range
Min: -14.5   Max: 19.1
Current: 9

-14.5
19.1
EPS Growth (3Y)(%) 8.80
BHB's EPS Growth (3Y)(%) is ranked higher than
73% of the 1904 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9.20 vs. BHB: 8.80 )
BHB' s 10-Year EPS Growth (3Y)(%) Range
Min: -17.8   Max: 18.8
Current: 8.8

-17.8
18.8
» BHB's 10-Y Financials

Financials


Revenue & Net Income
Equity & Asset
Oprt. Cash Flow & Free Cash Flow

» Details

Guru Trades

Q2 2014

BHB Guru Trades in Q2 2014

Jim Simons 59,900 sh (+42.11%)
» More
Q3 2014

BHB Guru Trades in Q3 2014

Jim Simons 57,000 sh (-4.84%)
» More
Q4 2014

BHB Guru Trades in Q4 2014

Jim Simons 60,200 sh (+5.61%)
» More
Q1 2015

BHB Guru Trades in Q1 2015

Jim Simons 65,200 sh (+8.31%)
» More
» Details

Insider Trades

Latest Guru Trades with BHB

(List those with share number changes of more than 20%, or impact to portfolio more than 0.1%)

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» Interactive Charts

Peter Lynch Chart ( What is Peter Lynch Charts )

Ratios

vs
industry
vs
history
P/E(ttm) 14.90
BHB's P/E(ttm) is ranked higher than
77% of the 3227 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 18.40 vs. BHB: 14.90 )
BHB' s 10-Year P/E(ttm) Range
Min: 6.9   Max: 18.11
Current: 14.9

6.9
18.11
Forward P/E 14.79
BHB's Forward P/E is ranked higher than
76% of the 3227 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. BHB: 14.79 )
N/A
PE(NRI) 14.90
BHB's PE(NRI) is ranked higher than
79% of the 3227 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 18.40 vs. BHB: 14.90 )
BHB' s 10-Year PE(NRI) Range
Min: 6.88   Max: 17.91
Current: 14.9

6.88
17.91
P/B 1.46
BHB's P/B is ranked higher than
66% of the 3227 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.40 vs. BHB: 1.46 )
BHB' s 10-Year P/B Range
Min: 0.8   Max: 1.72
Current: 1.46

0.8
1.72
P/S 4.21
BHB's P/S is ranked higher than
57% of the 3227 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.73 vs. BHB: 4.21 )
BHB' s 10-Year P/S Range
Min: 1.62   Max: 8.14
Current: 4.21

1.62
8.14
PFCF 166.86
BHB's PFCF is ranked higher than
70% of the 3227 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. BHB: 166.86 )
BHB' s 10-Year PFCF Range
Min: 5.53   Max: 166.86
Current: 166.86

5.53
166.86
EV-to-EBIT 33.75
BHB's EV-to-EBIT is ranked higher than
64% of the 3227 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 20.17 vs. BHB: 33.75 )
BHB' s 10-Year EV-to-EBIT Range
Min: 24.8   Max: 82.1
Current: 33.75

24.8
82.1
PEG 5.73
BHB's PEG is ranked higher than
85% of the 3226 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. BHB: 5.73 )
BHB' s 10-Year PEG Range
Min: 0.49   Max: 18.38
Current: 5.73

0.49
18.38
Shiller P/E 16.43
BHB's Shiller P/E is ranked higher than
87% of the 3226 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. BHB: 16.43 )
BHB' s 10-Year Shiller P/E Range
Min: 8.38   Max: 18.43
Current: 16.43

8.38
18.43

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 2.62
BHB's Dividend Yield is ranked higher than
55% of the 2288 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.49 vs. BHB: 2.62 )
BHB' s 10-Year Dividend Yield Range
Min: 2.54   Max: 5.42
Current: 2.62

2.54
5.42
Dividend Payout 0.38
BHB's Dividend Payout is ranked higher than
76% of the 3227 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.69 vs. BHB: 0.38 )
BHB' s 10-Year Dividend Payout Range
Min: 0.25   Max: 1.59
Current: 0.38

0.25
1.59
Dividend growth (3y) 7.40
BHB's Dividend growth (3y) is ranked higher than
78% of the 1377 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.10 vs. BHB: 7.40 )
BHB' s 10-Year Dividend growth (3y) Range
Min: 0   Max: 17
Current: 7.4

0
17
Yield on cost (5-Year) 3.43
BHB's Yield on cost (5-Year) is ranked higher than
61% of the 2296 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.82 vs. BHB: 3.43 )
BHB' s 10-Year Yield on cost (5-Year) Range
Min: 3.4   Max: 7.15
Current: 3.43

3.4
7.15
Share Buyback Rate -0.90
BHB's Share Buyback Rate is ranked higher than
76% of the 1722 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -1.70 vs. BHB: -0.90 )
BHB' s 10-Year Share Buyback Rate Range
Min: 1.8   Max: -9.5
Current: -0.9

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.51
BHB's Price/Tangible Book is ranked higher than
69% of the 3227 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.66 vs. BHB: 1.51 )
BHB' s 10-Year Price/Tangible Book Range
Min: 0.92   Max: 2.25
Current: 1.51

0.92
2.25
Price/DCF (Projected) 1.38
BHB's Price/DCF (Projected) is ranked higher than
78% of the 3227 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. BHB: 1.38 )
BHB' s 10-Year Price/DCF (Projected) Range
Min: 0.47   Max: 1.22
Current: 1.38

0.47
1.22
Price/Median PS Value 1.39
BHB's Price/Median PS Value is ranked higher than
65% of the 3227 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.30 vs. BHB: 1.39 )
BHB' s 10-Year Price/Median PS Value Range
Min: 0.61   Max: 4.52
Current: 1.39

0.61
4.52
Price/Peter Lynch Fair Value 2.13
BHB's Price/Peter Lynch Fair Value is ranked higher than
89% of the 3227 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. BHB: 2.13 )
BHB' s 10-Year Price/Peter Lynch Fair Value Range
Min: 0.49   Max: 2.84
Current: 2.13

0.49
2.84
Price/Graham Number 1.00
BHB's Price/Graham Number is ranked higher than
75% of the 3227 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.20 vs. BHB: 1.00 )
BHB' s 10-Year Price/Graham Number Range
Min: 0.53   Max: 1.24
Current: 1

0.53
1.24
Earnings Yield (Greenblatt) 3.00
BHB's Earnings Yield (Greenblatt) is ranked higher than
55% of the 2417 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.50 vs. BHB: 3.00 )
BHB' s 10-Year Earnings Yield (Greenblatt) Range
Min: 1.2   Max: 4
Current: 3

1.2
4
Forward Rate of Return (Yacktman) 8.93
BHB's Forward Rate of Return (Yacktman) is ranked higher than
66% of the 1444 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.67 vs. BHB: 8.93 )
BHB' s 10-Year Forward Rate of Return (Yacktman) Range
Min: 2.5   Max: 30.8
Current: 8.93

2.5
30.8

Business Description

Industry: Banks » Banks - Regional - US
Compare:MTB, USB, PNC, PB, CFR » details
Bar Harbor Bankshares was incorporated under the laws of the state of Maine on January 19, 1984. It operates as a bank holding company. The Company has one, wholly-owned first tier operating subsidiary, Bar Harbor Bank & Trust (the 'Bank'), a community bank, which offers deposit, loan, and related banking products, as well as brokerage services provided through a third-party brokerage arrangement. In addition, the Company offers trust and investment management services through its second tier subsidiary, Bar Harbor Trust Services (Trust Services), a Maine chartered non-depository trust company. These products and services are offered to individuals, businesses, not-for-profit organizations and municipalities. The Bank is a retail bank serving individual and business customers, retail establishments and restaurants, seasonal lodging, biological research laboratories, and a large contingent of retirees. As a coastal bank, it serves the tourism, hospitality, lobstering, fishing, boat building and marine services industries. The Bank emphasizes personal service to the community, with a concentration on retail banking. Customers are mainly individuals and small businesses to which the Bank offers various products and services. The Bank offers various consumer financial products and services designed to satisfy the deposit and borrowing needs of its retail customers. The Bank's retail deposit products and services include checking accounts, interest bearing NOW accounts, money market accounts, savings accounts, club accounts, short-term and long-term certificates of deposit, Health Savings Accounts, and Individual Retirement Accounts. Credit products and services include home mortgages, residential construction loans, home equity loans and lines of credit, credit cards, installment loans, and overdraft protection services. The Bank provides secured and unsecured installment loans for new or used automobiles, boats, recreational vehicles, mobile homes and other personal needs. The Bank also offers other customary products and services such as safe deposit box rentals, wire transfers, check collection services, foreign currency exchange, money orders, and U.S. Savings Bonds redemptions. The Bank retains Infinex Investments, Inc., is a third-party broker-dealer, conducting business under the assumed business name 'Bar Harbor Financial Services.' The Bank continues to offer free Internet banking services, including free check images and electronic bill payment, through its website. The Bank serves the small business market throughout downeast and midcoast Maine. It offers business loans to individuals, partnerships, Corporations, and other business entities for capital construction, real estate and equipment financing, working capital, real estate development, and other business purposes. The Company competes principally in downeast, midcoast and central Maine, which can generally be characterized as rural areas. The business in which the
» More Articles for BHB

Headlines

Articles On GuruFocus.com
3 Cheap Dividend Contenders With Very Low Debt Figures Jul 20 2013 
The Best Stocks With Dividend Growth From Last Week (July 23 – July 29, 2012) Jul 29 2012 
comment on BHB Apr 03 2012 
Bar Harbor Bankshares Inc Reports Operating Results (10-K) Mar 16 2011 
Bar Harbor Bankshares Inc (BHB) Director and CEO Joseph Michael Murphy sells 8,000 Shares Mar 09 2011 
Bar Harbor Bankshares Inc (BHB) Director and CEO Joseph Michael Murphy sells 8,000 Shares Mar 09 2011 
Bar Harbor Bankshares Inc (BHB) Director and CEO Joseph Michael Murphy sells 3,500 Shares Dec 10 2010 
Bar Harbor Bankshares Inc (BHB) Director and CEO Joseph Michael Murphy sells 3,000 Shares Dec 08 2010 
Bar Harbor Bankshares Inc (BHB) Director and CEO Joseph Michael Murphy sells 8,000 Shares Dec 02 2010 
Bar Harbor Bankshares Inc (BHB) Director and CEO Joseph Michael Murphy sells 2,000 Shares Nov 30 2010 

More From Other Websites
BAR HARBOR BANKSHARES Files SEC form 8-K, Change in Directors or Principal Officers, Amendments to... May 22 2015
BAR HARBOR BANKSHARES Financials May 15 2015
10-Q for Bar Harbor Bankshares May 10 2015
BAR HARBOR BANKSHARES Files SEC form 10-Q, Quarterly Report May 07 2015
10-K for Bar Harbor Bankshares May 04 2015
Bar Harbor posts 1Q profit Apr 29 2015
Bar Harbor posts 1Q profit Apr 29 2015
Bar Harbor Bankshares Reports First Quarter Earnings Apr 29 2015
Bar Harbor Bank & Trust Hosts Bake Sale on April 24 - Benefits Relay For Life Apr 28 2015
Bar Harbor Bankshares Increases Quarterly Cash Dividend Apr 21 2015
BAR HARBOR BANKSHARES Files SEC form 10-K, Annual Report Mar 16 2015
BAR HARBOR BANKSHARES Files SEC form 8-K, Financial Statements and Exhibits Feb 19 2015
Bar Harbor Bankshares Announces 2014 Earnings Feb 02 2015
Bar Harbor Bankshares Increases Quarterly Cash Dividend Jan 21 2015
BAR HARBOR BANKSHARES Files SEC form 10-Q, Quarterly Report Nov 05 2014
Bar Harbor Bankshares Reports Third Quarter Earnings Oct 30 2014
BAR HARBOR BANKSHARES Files SEC form 8-K, Financial Statements and Exhibits Oct 21 2014
Bar Harbor Bankshares Increases Quarterly Cash Dividend Oct 21 2014
BAR HARBOR BANKSHARES Files SEC form 10-Q, Quarterly Report Aug 06 2014
Bar Harbor Bankshares Reports Second Quarter Earnings Jul 30 2014

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