Bar Harbor Bankshares (FRA:42K) Moat Score: 4/10 (As of Jul. 11, 2026)


FRA:42K Bar Harbor Bankshares Inc FRA:42K
61 GF Score
Price €32.00
GF Value €28.79
! 6 Warning Signs
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What is Bar Harbor Bankshares Moat Score?

Bar Harbor Bankshares FRA:42K 61 Moat Score is 4 as of Jul. 11, 2026. GuruFocus rates FRA:42K with a GF Score™ of 61/100 and a GF Value™ of €28.79. The stock has 6 warning signs investors should review. Among 1,608 Banks companies, Bar Harbor Bankshares ranks better than 86.19% on this metric.

Bar Harbor Bankshares has the Moat Score of 4, which implies that the company might have Narrow Moat - Discernible but modest moat.

Bar Harbor Bankshares has Narrow Moat: Bar Harbor Bankshares has a modest regional market presence with some customer loyalty. However, it lacks significant network effects, strong brand strength, or substantial cost advantages. Its moat is primarily due to local market leadership and some switching costs for customers.

Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more.

The company's Moat Score is based on these criteria:

1. Market leadership and sustainable market share
2. Network effects and significant customer switching costs
3. Valuable intellectual property and patents
4. Strong brand strength and deep customer loyalty
5. Durable cost advantages (e.g., economies of scale, proprietary technology)
6. Significant regulatory barriers and exclusive licenses
7. Superior distribution network
8. Strong and sustainable pricing power
9. Consistent and impactful innovation and R&D capabilities

Based on the research, GuruFocus believes Bar Harbor Bankshares might have Narrow Moat - Discernible but modest moat.

Bar Harbor Bankshares  (FRA:42K) Moat Score Explanation

The Moat Score ranges from 0 to 10, with 10 as the highest. GuruFocus divided Moat Score into following 8 categories:

Moat Score Moat Level
10Wide Moat - Exceptionally dominant and durable wide moat
8 - 9Wide Moat - Clear and robust wide moat
7Wide Moat - Entry-level wide moat, clearly possessing durable advantages
6Narrow Moat - Strong narrow moat, clearly distinguishable but not wide
5Narrow Moat - Solid narrow moat
4Narrow Moat - Discernible but modest moat
1 - 3No Moat - Very weak/transient advantages
0No Moat - No discernible moat

Bar Harbor Bankshares Moat Score Related Terms

FRA:42K vs NPB, AMBZ, MSBI: Moat Score Comparison

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

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

* The bar in red indicates where Bar Harbor Bankshares's Moat Score falls into.


FRA:42K
61GF Score
Bar Harbor Bankshares Inc FRA:42K
Moat Score is just one metric. See GF Score™, valuation, warning signs, and more.
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Frequently Asked Questions Learn more about Moat Score →
What does a Moat Score of 4 mean?
Bar Harbor Bankshares (FRA:42K) has a Moat Score of 4 as of Jul. 11, 2026. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. According to the industry distribution chart, Bar Harbor Bankshares ranks #222 out of 1608 companies in the Banks industry, placing it in the top 13.8%.
Is Bar Harbor Bankshares' Moat Score too high?
Bar Harbor Bankshares' current Moat Score is 4. Based on the distribution chart, Bar Harbor Bankshares ranks #222 out of 1608 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, Bar Harbor Bankshares has a GF Score™ of 61/100, reflecting its overall financial health beyond just this single metric.
How does Bar Harbor Bankshares' Moat Score compare to NPB and AMBZ?
According to the Banks industry distribution chart, Bar Harbor Bankshares ranks #222 out of 1608 companies for Moat Score. This places Bar Harbor Bankshares in the top 14% of its industry — outperforming the majority of peers. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Moat Score for a Banks company?
A good Moat Score depends on the Banks industry context. However, Moat Score 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 Moat Score mean?
A high Moat Score can signal that a stock is expensive relative to its fundamentals. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. Bar Harbor Bankshares's current Moat Score is 4. 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 Moat Score of 4. The stock's GF Value™ is €28.79, compared to a current price of €32.00 — trading 11.1% above its estimated fair value. The current Moat Score is 4. Bar Harbor Bankshares' overall GF Score™ is 61/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Moat Score calculated?
Moat Score is calculated from a company's financial statements. For Bar Harbor Bankshares (FRA:42K), the current Moat Score is 4 as of Jul. 11, 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 €32.00 is trading 11.1% above its estimated GF Value™ of €28.79.

Key valuation signals for FRA:42K:

  • Moat Score: 4
  • GF Value™: €28.79 vs. price of €32.00 (11.1% above fair value)
  • GF Score™: 61/100 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.
61GF Score

Get the complete analysis for FRA:42K

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

€32.00
Price
€28.79
GF Value