BHB (Bar Harbor Bankshares) Debt-to-Asset : 0.06 (As of Jun. 2026)

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BHB Bar Harbor Bankshares Inc BHB
60 GF Score
Price $40.39
GF Value $35.66
Valuation Modestly Overvalued
! 5 Warning Signs
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What is Bar Harbor Bankshares Debt-to-Asset?

Bar Harbor Bankshares BHB +0.50% 60 Debt-to-Asset is 0.06 as of Jun. 2026. GuruFocus rates BHB with a GF Score™ of 60/100 and a GF Value™ of $35.66 (Modestly Overvalued). The stock has 5 warning signs investors should review.

Bar Harbor Bankshares's Short-Term Debt & Capital Lease Obligation for the quarter that ended in Jun. 2026 was $142.0 Mil. Bar Harbor Bankshares's Long-Term Debt & Capital Lease Obligation for the quarter that ended in Jun. 2026 was $135.6 Mil. Bar Harbor Bankshares's Long-Term Debt & Capital Lease ObligationTotal Assets for the quarter that ended in Jun. 2026 was $4,742.5 Mil. Bar Harbor Bankshares's debt to asset for the quarter that ended in Jun. 2026 was 0.06.

Bar Harbor Bankshares  (AMEX:BHB) Debt-to-Asset Explanation

In the calculation of Debt-to-Asset, we use the total of Short-Term Debt & Capital Lease Obligation and Long-Term Debt & Capital Lease Obligation divided by Total Assets.

Bar Harbor Bankshares Debt-to-Asset Related Terms

Bar Harbor Bankshares Debt-to-Asset Historical Data

* Premium members only.

The historical data trend for Bar Harbor Bankshares's Debt-to-Asset can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

Bar Harbor Bankshares Debt-to-Asset Chart

Bar Harbor Bankshares Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Debt-to-Asset
Get a 7-Day Free Trial Premium Member Only Premium Member Only 0.05 0.10 0.08 0.07 0.06

Bar Harbor Bankshares Quarterly Data
Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26 Jun26
Debt-to-Asset Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 0.07 0.04 0.06 0.05 0.06

BHB vs RRBI, ACNB, THVB: Debt-to-Asset Comparison

For the Banks - Regional subindustry, Bar Harbor Bankshares's Debt-to-Asset, along with its competitors' market caps and Debt-to-Asset data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.

Bar Harbor Bankshares Debt-to-Asset vs Banks Industry

For the Banks industry and Financial Services sector, Bar Harbor Bankshares's Debt-to-Asset distribution charts can be found below:

* The bar in red indicates where Bar Harbor Bankshares's Debt-to-Asset falls into.


BHB
60GF Score
Bar Harbor Bankshares Inc BHB
Debt-to-Asset is just one metric. See GF Score™, valuation, warning signs, and more.
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Bar Harbor Bankshares Debt-to-Asset Calculation

Debt to Asset measures the financial leverage a company has.

Bar Harbor Bankshares's Debt-to-Asset for the fiscal year that ended in Dec. 2025 is calculated as

Debt-to-Asset=Total Debt / Total Assets
=(Short-Term Debt & Capital Lease Obligation + Long-Term Debt & Capital Lease Obligation) / Total Assets
=(134.802 + 134.841) / 4683.891
=0.06

Bar Harbor Bankshares's Debt-to-Asset for the quarter that ended in Jun. 2026 is calculated as

Debt-to-Asset=Total Debt / Total Assets
=(Short-Term Debt & Capital Lease Obligation + Long-Term Debt & Capital Lease Obligation) / Total Assets
=(142 + 135.641) / 4742.502
=0.06

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

Frequently Asked Questions Learn more about Debt-to-Asset →
What does a Debt-to-Asset of 0.06 mean?
Bar Harbor Bankshares (BHB) has a Debt-to-Asset of 0.06 as of Jun. 2026. Debt-to-asset ratio represents the ratio of total debt to total assets. View historical data on Bar Harbor Bankshares and its competitors.
Is Bar Harbor Bankshares' Debt-to-Asset too high?
Bar Harbor Bankshares' current Debt-to-Asset is 0.06. Overall, Bar Harbor Bankshares has a GF Score™ of 60/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Bar Harbor Bankshares' Debt-to-Asset compare to RRBI and ACNB?
Bar Harbor Bankshares' Debt-to-Asset of 0.06 can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Debt-to-Asset for a Banks company?
A good Debt-to-Asset depends on the Banks industry context. However, Debt-to-Asset should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Debt-to-Asset mean?
A high Debt-to-Asset can signal that a stock is expensive relative to its fundamentals. Debt-to-asset ratio represents the ratio of total debt to total assets. View historical data on Bar Harbor Bankshares and its competitors. Bar Harbor Bankshares's current Debt-to-Asset is 0.06. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Bar Harbor Bankshares stock overvalued right now?
Based on GuruFocus' analysis, Bar Harbor Bankshares (BHB) is currently considered Modestly Overvalued. The stock's GF Value™ is $35.66, compared to a current price of $40.39 — trading 13.3% above its estimated fair value. The current Debt-to-Asset is 0.06. Bar Harbor Bankshares' overall GF Score™ is 60/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Debt-to-Asset calculated?
Debt-to-Asset is calculated from a company's financial statements. For Bar Harbor Bankshares (BHB), the current Debt-to-Asset is 0.06 as of Jun. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

Is Bar Harbor Bankshares (BHB) Overvalued in 2026?

Based on GuruFocus' analysis, Bar Harbor Bankshares stock appears to be overvalued. The current stock price of $40.39 is trading 13.3% above its estimated GF Value™ of $35.66. GuruFocus considers Bar Harbor Bankshares to be Modestly Overvalued.

Key valuation signals for BHB:

  • Debt-to-Asset: 0.06
  • GF Value™: $35.66 vs. price of $40.39 (13.3% above fair value)
  • GF Score™: 60/100 with 5 warning signs

No single metric tells the full story. See the BHB stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

Bar Harbor Bankshares Business Description

Other Exchanges 42K:Germany
Address 82 Main Street, P.O. Box 400, Bar Harbor, ME, USA, 04609-0400
Bar Harbor Bankshares Inc is a bank holding company along with its subsidiaries that offers a full range of financial services products, brokerage services through third-party brokerage arrangements, and also trust and investment management services to individuals, businesses, non-profit organizations, and municipalities. Its products and services consist of checking, deposits, cards, mobile banking, online services, loans, merchant services, trust, fiduciary services, investment planning, education funding, and individual retirement planning.
60GF Score

Get the complete analysis for BHB

Debt-to-Asset is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$40.39
Price
$35.66
GF Value