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Bar Harbor BanksharesBHB -0.25%61 EV-to-OCF is 13.00 as of Aug. 21, 2026, which is 23% below its 10-year median of 16.98. GuruFocus rates BHB with a GF Score™ of 61/100 and a GF Value™ of $35.62 (Modestly Overvalued). The stock has 5 warning signs investors should review. Among 1,495 Banks companies, Bar Harbor Bankshares ranks worse than 79.53% on this metric.
EV-to-OCF is calculated as enterprise value divided by its cash flow from operations. As of today, Bar Harbor Bankshares's Enterprise Value is $833.5 Mil.
Bar Harbor Bankshares's Cash Flow from Operations for the trailing twelve months (TTM) ended in Jun. 2026 was $64.1 Mil. Therefore, Bar Harbor Bankshares's EV-to-OCF for today is 13.00.
The historical rank and industry rank for Bar Harbor Bankshares's EV-to-OCF or its related term are showing as below:
BHB'
s EV-to-OCF Range Over the Past 10 Years
Min: 6.16 Med: 16.98 Max: 90.83
Current: 13
During the past 13 years, the highest EV-to-OCF of Bar Harbor Bankshares was 90.83. The lowest was 6.16. And the median was 16.98.
BHB's EV-to-OCF is ranked worse than 79.53% of 1495
companies
in the Banks industry
Industry Median: 3.9
vs BHB: 13.00
EV-to-OCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
Bar Harbor Bankshares (AMEX:BHB) EV-to-OCF Explanation
EV-to-OCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
Bar Harbor Bankshares's PE Ratio (TTM) for today is calculated as:
Bar Harbor Bankshares's share price for today is $39.38.
Bar Harbor Bankshares's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Jun. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $2.960.
* 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.
Enterprise Value is used because it is a more complete measure in reflecting how much an investor pays when buying a company. Cash Flow from Operations is an important financial metric because it represents the cash generated from operating activities at a company's disposal. Companies with a low EV-to-OCF ratio, combined with a strong balance sheet are generally considered as undervalued.
* 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.
For the Banks - Regional subindustry, Bar Harbor Bankshares's EV-to-OCF, along with its competitors' market caps and EV-to-OCF 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 EV-to-OCF vs Banks Industry
For the Banks industry and Financial Services sector, Bar Harbor Bankshares's EV-to-OCF distribution charts can be found below:
* The bar in red indicates where Bar Harbor Bankshares's EV-to-OCF falls into.
Bar Harbor Bankshares's current Enterprise Value is $833.5 Mil.
Bar Harbor Bankshares's Cash Flow from Operations for the trailing twelve months (TTM) ended in Jun. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $64.1 Mil.
* 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 (BHB) has a EV-to-OCF of 13.00 as of Aug. 21, 2026. This is 23% below median its historical median of 16.98. Over the past decade, Bar Harbor Bankshares' EV-to-OCF has ranged from 6.16 to 90.83. According to the industry distribution chart, Bar Harbor Bankshares ranks #1189 out of 1495 companies in the Banks industry, placing it in the top 79.5%.
Is Bar Harbor Bankshares' EV-to-OCF too high?
Bar Harbor Bankshares' current EV-to-OCF of 13.00 is 23% below median its 10-year median of 16.98. Over the past 10 years, this metric has ranged from a low of 6.16 to a high of 90.83. The Banks industry median EV-to-OCF is 3.90. Bar Harbor Bankshares' value of 13.00 is 233.3% above this industry median. Based on the distribution chart, Bar Harbor Bankshares ranks #1189 out of 1495 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, Bar Harbor Bankshares has a GF Score™ of 61/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Bar Harbor Bankshares' EV-to-OCF compare to RRBI and AROW?
According to the Banks industry distribution chart, Bar Harbor Bankshares ranks #1189 out of 1495 companies for EV-to-OCF. This places Bar Harbor Bankshares in the lower half of its industry. The industry median EV-to-OCF is 3.90. Bar Harbor Bankshares' value of 13.00 is 233.3% above this benchmark. Historically, Bar Harbor Bankshares' own EV-to-OCF has ranged from 6.16 to 90.83 over the past decade. While the company's 10-year median is 16.98 vs. the industry median of 3.90, Bar Harbor Bankshares has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good EV-to-OCF for a Banks company?
The median EV-to-OCF among Banks companies is 3.90, based on 1,495 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-OCF significantly above this median, while those in the bottom quartile fall well below. However, EV-to-OCF should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Bar Harbor Bankshares's current EV-to-OCF of 13.00 is 233.3% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high EV-to-OCF mean?
A high EV-to-OCF can signal that a stock is expensive relative to its fundamentals. For the Banks industry, the median EV-to-OCF is 3.90 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Bar Harbor Bankshares's current EV-to-OCF is 13.00, which is 23% below median its own 10-year median of 16.98. 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 $35.62, compared to a current price of $39.38 — trading 10.6% above its estimated fair value. The current EV-to-OCF is 13.00, which is 23% below median its 10-year median of 16.98 and 233.3% above the Banks industry median of 3.90. Bar Harbor Bankshares' overall GF Score™ is 61/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is EV-to-OCF calculated?
EV-to-OCF is calculated from a company's financial statements. For Bar Harbor Bankshares (BHB), the current EV-to-OCF is 13.00 as of Aug. 21, 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 $39.38 is trading 10.6% above its estimated GF Value™ of $35.62.
GuruFocus considers Bar Harbor Bankshares to be Modestly Overvalued.
Key valuation signals for BHB:
EV-to-OCF: 13.00 (23% below median its 10-year median of 16.98)
GF Value™: $35.62 vs. price of $39.38 (10.6% above fair value)
Industry Position: 233.3% above the Banks median (#1189 of 1495)
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 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.
61GF Score
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