Bar Harbor Bankshares (FRA:42K) E10: €2.36 (As of Mar. 2026)


FRA:42K Bar Harbor Bankshares Inc FRA:42K
60 GF Score
Price €34.00
GF Value €29.48
! 6 Warning Signs
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What is Bar Harbor Bankshares E10?

Bar Harbor Bankshares FRA:42K +4.29% 60 E10 is €2.36 as of Mar. 2026. GuruFocus rates FRA:42K with a GF Score™ of 60/100 and a GF Value™ of €29.48. The stock has 6 warning signs investors should review.

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller P/E calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years.

Bar Harbor Bankshares's adjusted earnings per share data for the three months ended in Mar. 2026 was €0.701. Add all the adjusted EPS for the past 10 years together and divide 10 will get our e10, which is €2.36 for the trailing ten years ended in Mar. 2026.

During the past 12 months, Bar Harbor Bankshares's average E10 Growth Rate was 3.80% per year. During the past 3 years, the average E10 Growth Rate was 5.00% per year. During the past 5 years, the average E10 Growth Rate was 7.90% per year. During the past 10 years, the average E10 Growth Rate was 7.00% per year. Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the E10 growth rate using E10 data.

During the past 13 years, the highest 3-Year average E10 Growth Rate of Bar Harbor Bankshares was 10.50% per year. The lowest was 4.30% per year. And the median was 6.50% per year.

As of today (2026-06-30), Bar Harbor Bankshares's current stock price is €34.00. Bar Harbor Bankshares's E10 for the quarter that ended in Mar. 2026 was €2.36. Bar Harbor Bankshares's Shiller PE Ratio of today is 14.41.

During the past 13 years, the highest Shiller PE Ratio of Bar Harbor Bankshares was 21.92. The lowest was 8.48. And the median was 13.60.


Bar Harbor Bankshares  (FRA:42K) E10 Explanation

If a company grows much fast than inflation, E10 may underestimate the company's earnings power. Shiller PE Ratio can seem to be too high even the actual P/E is low.

For the Shiller P/E, the earnings of the past 10 years are inflation-adjusted and averaged. The result is used for P/E calculation. Since it looks at the average over the last 10 years, the Shiller P/E is also called PE10.

The Shiller P/E was first used by professor Robert Shiller to measure the valuation of the overall market. The same calculation is applied here to individual companies.

Bar Harbor Bankshares's Shiller P/E Ratio of today is calculated as

Shiller PE Ratio=Share Price/E10
=34.00/2.36
=14.41

* 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.

During the past 13 years, the highest Shiller P/E Ratio of Bar Harbor Bankshares was 21.92. The lowest was 8.48. And the median was 13.60.


Be Aware

Shiller PE Ratio works better for cyclical companies. It gives you a better idea on the company's real earnings power.


Bar Harbor Bankshares E10 Related Terms


Bar Harbor Bankshares E10 Historical Data

* Premium members only.

The historical data trend for Bar Harbor Bankshares's E10 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 E10 Chart

Bar Harbor Bankshares Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
E10
Get a 7-Day Free Trial Premium Member Only Premium Member Only 1.82 2.12 2.22 2.42 2.28

Bar Harbor Bankshares Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
E10 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 2.41 2.22 2.23 2.28 2.36

FRA:42K vs NPB, AMBZ, MSBI: E10 Comparison

For the Banks - Regional subindustry, Bar Harbor Bankshares's Shiller PE Ratio, along with its competitors' market caps and Shiller PE Ratio 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 Shiller PE Ratio vs Banks Industry

For the Banks industry and Financial Services sector, Bar Harbor Bankshares's Shiller PE Ratio distribution charts can be found below:

* The bar in red indicates where Bar Harbor Bankshares's Shiller PE Ratio falls into.


FRA:42K
60GF Score
Bar Harbor Bankshares Inc FRA:42K
E10 is just one metric. See GF Score™, valuation, warning signs, and more.
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Bar Harbor Bankshares E10 Calculation

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller P/E calculation. When we calculate the today's Shiller P/E ratio of a stock, we use today's price divided by E10.

What is E10? How do we calculate E10?

E10 is the average of the inflation adjusted earnings of a company over the past 10 years. Let's use an example to explain.

If we want to calculate the E10 of Wal-Mart (WMT) for Dec. 31, 2010, we need to have the inflation data and the earnings from 2001 through 2010.

We adjusted the earnings of 2001 earnings data with the total inflation from 2001 through 2010 to the equivalent earnings in 2010. If the total inflation from 2001 to 2010 is 40%, and Wal-Mart earned $1 a share in 2001, then the 2001's equivalent earnings in 2010 is $1.4 a share. If Wal-Mart earns $1 again in 2002, and the total inflation from 2002 through 2010 is 35%, then the equivalent 2002 earnings in 2010 is $1.35. So on and so forth, you get the equivalent earnings of past 10 years. Then you add them together and divided the sum by 10 to get E10.

Please note that we use the CPI data of the country/region where the company is headquartered. If the CPI data for that country/region is not available, then we will use the CPI data of the United States as default.

For example, Bar Harbor Bankshares's adjusted earnings per share data for the three months ended in Mar. 2026 was:

Adj_EPS= Earnings per Share (Diluted) /CPI of Mar. 2026 (Change)*Current CPI (Mar. 2026)
=0.701/330.2130*330.2130
=0.701

Current CPI (Mar. 2026) = 330.2130.

Bar Harbor Bankshares Quarterly Data

per share eps CPI Adj_EPS
201606 0.418 241.018 0.573
201609 0.356 241.428 0.487
201612 0.265 241.432 0.362
201703 0.271 243.801 0.367
201706 0.374 244.955 0.504
201709 0.470 246.819 0.629
201712 0.363 246.524 0.486
201803 0.405 249.554 0.536
201806 0.471 251.989 0.617
201809 0.497 252.439 0.650
201812 0.431 251.233 0.566
201903 0.416 254.202 0.540
201906 0.345 256.143 0.445
201909 0.291 256.759 0.374
201912 0.243 256.974 0.312
202003 0.452 258.115 0.578
202006 0.488 257.797 0.625
202009 0.475 260.280 0.603
202012 0.477 260.474 0.605
202103 0.529 264.877 0.659
202106 0.498 271.696 0.605
202109 0.621 274.310 0.748
202112 0.575 278.802 0.681
202203 0.545 287.504 0.626
202206 0.662 296.311 0.738
202209 0.768 296.808 0.854
202212 0.784 296.797 0.872
202303 0.803 301.836 0.878
202306 0.655 305.109 0.709
202309 0.684 307.789 0.734
202312 0.596 306.746 0.642
202403 0.607 312.332 0.642
202406 0.622 314.175 0.654
202409 0.721 315.301 0.755
202412 0.688 315.605 0.720
202503 0.610 319.799 0.630
202506 0.347 322.561 0.355
202509 0.460 324.800 0.468
202512 0.598 324.054 0.609
202603 0.701 330.213 0.701

Add all the adjusted EPS together and divide 10 will get our e10.

Frequently Asked Questions Learn more about E10 →
What does a E10 of €2.36 mean?
Bar Harbor Bankshares (FRA:42K) has a E10 of €2.36 as of Mar. 2026. E10 represents the company's inflation-adjusted earnings per share over a 10-year period. View historical data on Bar Harbor Bankshares and its competitors.
Is Bar Harbor Bankshares' E10 too high?
Bar Harbor Bankshares' current E10 is €2.36. Overall, Bar Harbor Bankshares has a GF Score™ of 60/100, reflecting its overall financial health beyond just this single metric.
How does Bar Harbor Bankshares' E10 compare to NPB and AMBZ?
Bar Harbor Bankshares' E10 of €2.36 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 E10 for a Banks company?
A good E10 depends on the Banks industry context. However, E10 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 E10 mean?
A high E10 can signal that a stock is expensive relative to its fundamentals. E10 represents the company's inflation-adjusted earnings per share over a 10-year period. View historical data on Bar Harbor Bankshares and its competitors. Bar Harbor Bankshares's current E10 is €2.36. 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?
Bar Harbor Bankshares (FRA:42K) has a current E10 of €2.36. The stock's GF Value™ is €29.48, compared to a current price of €34.00 — trading 15.3% above its estimated fair value. The current E10 is €2.36. Bar Harbor Bankshares' overall GF Score™ is 60/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is E10 calculated?
E10 is calculated from a company's financial statements. For Bar Harbor Bankshares (FRA:42K), the current E10 is €2.36 as of Mar. 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 (FRA:42K) Overvalued in 2026?

Based on GuruFocus' analysis, Bar Harbor Bankshares stock appears to be overvalued. The current stock price of €34.00 is trading 15.3% above its estimated GF Value™ of €29.48.

Key valuation signals for FRA:42K:

  • E10: €2.36
  • GF Value™: €29.48 vs. price of €34.00 (15.3% above fair value)
  • GF Score™: 60/100 with 6 warning signs

No single metric tells the full story. See the FRA:42K stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.


Bar Harbor Bankshares Business Description

Other Exchanges BHB:USA
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 FRA:42K

E10 is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

€34.00
Price
€29.48
GF Value