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Bar Harbor BanksharesFRA:42K 60 Net Debt Paydown Yield % is 3.20% as of Jul. 23, 2026, which is 71% below its 10-year median of 11.14. GuruFocus rates FRA:42K with a GF Score™ of 60/100 and a GF Value™ of €29.07. The stock has 6 warning signs investors should review. Among 1,415 Banks companies, Bar Harbor Bankshares ranks better than 72.65% on this metric.
Net Debt Paydown Yield % is a metric that evaluates the total amount of debt a company has paid in relation to its market capitalization. It is a measure of a company's willingness and ability to reduce its debt.
As of today, Bar Harbor Bankshares's Net Debt Paydown Yield % was 3.20%.
Bar Harbor Bankshares (FRA:42K) Net Debt Paydown Yield % Explanation
Net Debt Paydown Yield % is the change in average of four quarters of company's total debt over a company's market cap. Assuming the total value of a company remains that same, shareholder value is increased as debt is reduced. In other words, it is a measure of the willingness and ability of a firm's management to pay down debt. Companies that have high debt paydown yields indicate that they are more aggressive with paying down debt.
In the calculation of Net Debt Paydown Yield %, we use the reductions of TTM average total debt one-year-ago and TTM average total debt at present, divided by its Market Cap.
Bar Harbor Bankshares Net Debt Paydown Yield % Related Terms
Bar Harbor Bankshares Net Debt Paydown Yield % Historical Data
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The historical data trend for Bar Harbor Bankshares's Net Debt Paydown Yield % 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 Net Debt Paydown Yield % Chart
FRA:42K vs NPB, AMBZ, MSBI: Net Debt Paydown Yield % Comparison
For the Banks - Regional subindustry, Bar Harbor Bankshares's Net Debt Paydown Yield %, along with its competitors' market caps and Net Debt Paydown Yield % 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 Net Debt Paydown Yield % vs Banks Industry
For the Banks industry and Financial Services sector, Bar Harbor Bankshares's Net Debt Paydown Yield % distribution charts can be found below:
* The bar in red indicates where Bar Harbor Bankshares's Net Debt Paydown Yield % falls into.
* 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.
* All the data are calculated by TTM values. Note that if a companies is traded in several exchanges, then we calculate the company level data for Net Debt Paydown Yield % using the primary share class stock data. The calculation result in definition page is for demonstration purpose only, and it's showing the share class level data. Therefore, the numbers in the calculation may differ from elsewhere if the stock is not a primary share.
What does a Net Debt Paydown Yield % of 3.20% mean?
Bar Harbor Bankshares (FRA:42K) has a Net Debt Paydown Yield % of 3.20% as of Jul. 23, 2026. Net Debt Paydown Yield is a metric that evaluates the total amount of debt a company has paid in relation to its market capitalization. This metric provides insight into a company's willingness and ability to reduce its debt using free cash flow. View historical data on Bar Harbor Bankshares and its competitors. This is 71% below median its historical median of 11.14. According to the industry distribution chart, Bar Harbor Bankshares ranks #387 out of 1415 companies in the Banks industry, placing it in the top 27.3%.
Is Bar Harbor Bankshares' Net Debt Paydown Yield % too high?
Bar Harbor Bankshares' current Net Debt Paydown Yield % of 3.20% is 71% below median its 10-year median of 11.14. Based on the distribution chart, Bar Harbor Bankshares ranks #387 out of 1415 companies in the Banks industry, which is above the industry midpoint. 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' Net Debt Paydown Yield % compare to NPB and AMBZ?
According to the Banks industry distribution chart, Bar Harbor Bankshares ranks #387 out of 1415 companies for Net Debt Paydown Yield %. This puts Bar Harbor Bankshares in the upper half of its industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Net Debt Paydown Yield % for a Banks company?
A good Net Debt Paydown Yield % depends on the Banks industry context. However, Net Debt Paydown Yield % 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 Net Debt Paydown Yield % mean?
A high Net Debt Paydown Yield % can signal that a stock is expensive relative to its fundamentals. Net Debt Paydown Yield is a metric that evaluates the total amount of debt a company has paid in relation to its market capitalization. This metric provides insight into a company's willingness and ability to reduce its debt using free cash flow. View historical data on Bar Harbor Bankshares and its competitors. Bar Harbor Bankshares's current Net Debt Paydown Yield % is 3.20%, which is 71% below median its own 10-year median of 11.14. 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 Net Debt Paydown Yield % of 3.20%. The stock's GF Value™ is €29.07, compared to a current price of €33.20 — trading 14.2% above its estimated fair value. The current Net Debt Paydown Yield % is 3.20%, which is 71% below median its 10-year median of 11.14. 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 Net Debt Paydown Yield % calculated?
Net Debt Paydown Yield % is calculated from a company's financial statements. For Bar Harbor Bankshares (FRA:42K), the current Net Debt Paydown Yield % is 3.20% as of Jul. 23, 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 14.2% above its estimated GF Value™ of €29.07.
Key valuation signals for FRA:42K:
Net Debt Paydown Yield %: 3.20% (71% below median its 10-year median of 11.14)
GF Value™: €29.07 vs. price of €33.20 (14.2% above fair value)
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 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
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