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Bar Harbor BanksharesBHB -0.25%61 Equity-to-Asset is 0.12 as of Jun. 2026, which is 9% above its 10-year median of 0.11. GuruFocus rates BHB with a GF Score™ of 61/100 and a GF Value™ of $35.62 (Fairly Valued). The stock has 5 warning signs investors should review. Among 1,524 Banks companies, Bar Harbor Bankshares ranks better than 71.98% on this metric.
Bar Harbor Bankshares (AMEX:BHB) Equity-to-Asset Explanation
Equity to Asset ratio can vary greatly across different industries, as they have different capital structure. A company with smaller Equity to Asset ratio (more leveraged) may have higher ROE % because of the leverage.
For banks, the required minimum Equity to Asset ratio by regulation is 5%. Some stronger banks may have Equity to Asset Ratio of more than 10%.
Bar Harbor Bankshares Equity-to-Asset Related Terms
Bar Harbor Bankshares Equity-to-Asset Historical Data
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The historical data trend for Bar Harbor Bankshares's Equity-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.
BHB vs RRBI, AROW, AMBZ: Equity-to-Asset Comparison
For the Banks - Regional subindustry, Bar Harbor Bankshares's Equity-to-Asset, along with its competitors' market caps and Equity-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 Equity-to-Asset vs Banks Industry
For the Banks industry and Financial Services sector, Bar Harbor Bankshares's Equity-to-Asset distribution charts can be found below:
* The bar in red indicates where Bar Harbor Bankshares's Equity-to-Asset falls into.
Equity to Asset ratio measures the ratios of the portion of the asset owned by shareholders out of the total asset. It indicates the leverage of the company, and the amount of debt the company uses in its operation.
Equity to Asset ratio is calculated by dividing total stockholders equity by total asset.
Bar Harbor Bankshares's Equity to Asset Ratio for the fiscal year that ended in Dec. 2025 is calculated as
* 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 Equity-to-Asset of 0.12 as of Jun. 2026. Equity-to-asset ratio equals total company equity divided by total assets. It measures financial leverage. View historical data on Bar Harbor Bankshares and its competitors. This is near median its historical median of 0.11. Over the past decade, Bar Harbor Bankshares' Equity-to-Asset has ranged from 0.09 to 0.12. According to the industry distribution chart, Bar Harbor Bankshares ranks #427 out of 1524 companies in the Banks industry, placing it in the top 28%.
Is Bar Harbor Bankshares' Equity-to-Asset too high?
Bar Harbor Bankshares' current Equity-to-Asset of 0.12 is near median its 10-year median of 0.11. Over the past 10 years, this metric has ranged from a low of 0.09 to a high of 0.12. The Banks industry median Equity-to-Asset is 0.10. Bar Harbor Bankshares' value of 0.12 is 20% above this industry median. Based on the distribution chart, Bar Harbor Bankshares ranks #427 out of 1524 companies in the Banks industry, which is above the industry midpoint. Overall, Bar Harbor Bankshares has a GF Score™ of 61/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Bar Harbor Bankshares' Equity-to-Asset compare to RRBI and AROW?
According to the Banks industry distribution chart, Bar Harbor Bankshares ranks #427 out of 1524 companies for Equity-to-Asset. This puts Bar Harbor Bankshares in the upper half of its industry. The industry median Equity-to-Asset is 0.10. Bar Harbor Bankshares' value of 0.12 is 20% above this benchmark. Historically, Bar Harbor Bankshares' own Equity-to-Asset has ranged from 0.09 to 0.12 over the past decade. While the company's 10-year median is 0.11 vs. the industry median of 0.10, 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 Equity-to-Asset for a Banks company?
The median Equity-to-Asset among Banks companies is 0.10, based on 1,524 companies in the industry. Companies in the top quartile (top 25%) have a Equity-to-Asset significantly above this median, while those in the bottom quartile fall well below. However, Equity-to-Asset should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Bar Harbor Bankshares's current Equity-to-Asset of 0.12 is 20% 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 Equity-to-Asset mean?
A high Equity-to-Asset can signal that a stock is expensive relative to its fundamentals. Equity-to-asset ratio equals total company equity divided by total assets. It measures financial leverage. View historical data on Bar Harbor Bankshares and its competitors. For the Banks industry, the median Equity-to-Asset is 0.10 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Bar Harbor Bankshares's current Equity-to-Asset is 0.12, which is near median its own 10-year median of 0.11. 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 Fairly Valued. 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 Equity-to-Asset is 0.12, which is near median its 10-year median of 0.11 and 20% above the Banks industry median of 0.10. 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 Equity-to-Asset calculated?
Equity-to-Asset is calculated from a company's financial statements. For Bar Harbor Bankshares (BHB), the current Equity-to-Asset is 0.12 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 $39.38 is trading 10.6% above its estimated GF Value™ of $35.62.
GuruFocus considers Bar Harbor Bankshares to be Fairly Valued.
Key valuation signals for BHB:
Equity-to-Asset: 0.12 (near median its 10-year median of 0.11)
GF Value™: $35.62 vs. price of $39.38 (10.6% above fair value)
Industry Position: 20% above the Banks median (#427 of 1524)
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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