Bar Harbor Bankshares (FRA:42K) Margin of Safety % (DCF Earnings Based): 18.27% (As of Jun. 26, 2026)


FRA:42K Bar Harbor Bankshares Inc FRA:42K
60 GF Score
Price €33.20
GF Value €29.39
! 6 Warning Signs
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What is Bar Harbor Bankshares Margin of Safety % (DCF Earnings Based)?

Bar Harbor Bankshares FRA:42K +1.84% 60 Margin of Safety % (DCF Earnings Based) is 18.27% as of Jun. 26, 2026. GuruFocus rates FRA:42K with a GF Score™ of 60/100 and a GF Value™ of €29.39. The stock has 6 warning signs investors should review.

Margin of Safety % (DCF Earnings Based) = (Intrinsic Value: DCF (Earnings Based) - Current Price) / Intrinsic Value: DCF (Earnings Based).

Note: Discounted Earnings model is only suitable for predictable companies (Business Predictability Rank higher than 1-Star). If the company's Predictability Rank is 1-Star or Not Rated, result may not be accurate due to the low predictability of business and the data will not be stored into our database.

As of today (2026-06-26), Bar Harbor Bankshares's Predictability Rank is 2.5-Stars. Bar Harbor Bankshares's intrinsic value calculated from the Discounted Earnings model is €40.62 and current share price is €33.20. Consequently,

Bar Harbor Bankshares's Margin of Safety % (DCF Earnings Based) using Discounted Earnings model is 18.27%.

FRA:42K vs RCBC, NPB, MSBI: Margin of Safety % (DCF Earnings Based) Comparison

For the Banks - Regional subindustry, Bar Harbor Bankshares's Margin of Safety % (DCF Earnings Based), along with its competitors' market caps and Margin of Safety % (DCF Earnings Based) 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 Margin of Safety % (DCF Earnings Based) vs Banks Industry

For the Banks industry and Financial Services sector, Bar Harbor Bankshares's Margin of Safety % (DCF Earnings Based) distribution charts can be found below:

* The bar in red indicates where Bar Harbor Bankshares's Margin of Safety % (DCF Earnings Based) falls into.


FRA:42K
60GF Score
Bar Harbor Bankshares Inc FRA:42K
Margin of Safety % (DCF Earnings Based) is just one metric. See GF Score™, valuation, warning signs, and more.
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Bar Harbor Bankshares Margin of Safety % (DCF Earnings Based) Calculation

Bar Harbor Bankshares's Margin of Safety % (DCF Earnings Based) for today is calculated as

Margin of Safety % (DCF Earnings Based)=(Intrinsic Value: DCF (Earnings Based)-Current Price)/Intrinsic Value: DCF (Earnings Based)
=(40.62-33.20)/40.62
=18.27 %

* 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.

The intrinsic value is calculated from the Discounted Earnings model with default parameters. The calculation method is the same as Discounted Cash Flow model except earnings are used in the calculation instead of free cash flow.

What does a Margin of Safety % (DCF Earnings Based) of 18.27% mean?
Bar Harbor Bankshares (FRA:42K) has a Margin of Safety % (DCF Earnings Based) of 18.27% as of Jun. 26, 2026. Margin of Safety % (DCF Earnings Based) is the percent difference between the current price and the intrinsic DCF Earnings price. View historical data on Bar Harbor Bankshares.
Is Bar Harbor Bankshares' Margin of Safety % (DCF Earnings Based) too high?
Bar Harbor Bankshares' current Margin of Safety % (DCF Earnings Based) is 18.27%. 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' Margin of Safety % (DCF Earnings Based) compare to RCBC and NPB?
Bar Harbor Bankshares' Margin of Safety % (DCF Earnings Based) of 18.27% 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 Margin of Safety % (DCF Earnings Based) for a Banks company?
A good Margin of Safety % (DCF Earnings Based) depends on the Banks industry context. However, Margin of Safety % (DCF Earnings Based) 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 Margin of Safety % (DCF Earnings Based) mean?
A high Margin of Safety % (DCF Earnings Based) can signal that a stock is expensive relative to its fundamentals. Margin of Safety % (DCF Earnings Based) is the percent difference between the current price and the intrinsic DCF Earnings price. View historical data on Bar Harbor Bankshares. Bar Harbor Bankshares's current Margin of Safety % (DCF Earnings Based) is 18.27%. 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 Margin of Safety % (DCF Earnings Based) of 18.27%. The stock's GF Value™ is €29.39, compared to a current price of €33.20 — trading 13% above its estimated fair value. The current Margin of Safety % (DCF Earnings Based) is 18.27%. 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 Margin of Safety % (DCF Earnings Based) calculated?
Margin of Safety % (DCF Earnings Based) is calculated from a company's financial statements. For Bar Harbor Bankshares (FRA:42K), the current Margin of Safety % (DCF Earnings Based) is 18.27% as of Jun. 26, 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 €33.20 is trading 13% above its estimated GF Value™ of €29.39.

Key valuation signals for FRA:42K:

  • Margin of Safety % (DCF Earnings Based): 18.27%
  • GF Value™: €29.39 vs. price of €33.20 (13% 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

Margin of Safety % (DCF Earnings Based) is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

€33.20
Price
€29.39
GF Value