The historical rank and industry rank for Bar Harbor Bankshares's Net Margin % or its related term are showing as below:
FRA:42K'
s Net Margin % Range Over the Past 10 Years
Min: 19.03 Med: 26.8 Max: 29.37
Current: 22.57
FRA:42K's Net Margin % is ranked worse than 64.37% of 1527
companies
in the Banks industry
Industry Median: 26.95
vs FRA:42K: 22.57
Bar Harbor Bankshares (FRA:42K) Net Margin % Explanation
Although Net Income and Earnings-per-Share (EPS) are the most widely used parameter in measuring a company's profitability and valuation, it is the least reliable. The reason is that reported earnings can be manipulated easily by adjusting any numbers such as Depreciation, Depletion and Amotorization and non-recurring items.
But the long term trend of the net margin is a good indicator of the competitiveness and health of the business.
Bar Harbor Bankshares Net Margin % Related Terms
Bar Harbor Bankshares Net Margin % Historical Data
* Premium members only.
The historical data trend for Bar Harbor Bankshares's Net Margin % 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.
FRA:42K vs RCBC, NPB, MSBI: Net Margin % Comparison
For the Banks - Regional subindustry, Bar Harbor Bankshares's Net Margin %, along with its competitors' market caps and Net Margin % 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 Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Bar Harbor Bankshares's Net Margin % distribution charts can be found below:
* The bar in red indicates where Bar Harbor Bankshares's Net Margin % 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.
Bar Harbor Bankshares (FRA:42K) has a Net Margin % of 28.63% as of Mar. 2026. Net margin is the ratio of total net income to net sales. View historical data on Bar Harbor Bankshares and its competitors. This is near median its historical median of 26.80. Over the past decade, Bar Harbor Bankshares' Net Margin % has ranged from 19.03 to 29.37. According to the industry distribution chart, Bar Harbor Bankshares ranks #983 out of 1527 companies in the Banks industry, placing it in the top 64.4%.
Is Bar Harbor Bankshares' Net Margin % too high?
Bar Harbor Bankshares' current Net Margin % of 28.63% is near median its 10-year median of 26.80. Over the past 10 years, this metric has ranged from a low of 19.03 to a high of 29.37. The Banks industry median Net Margin % is 26.95. Bar Harbor Bankshares' value of 28.63% is 6.2% above this industry median. Based on the distribution chart, Bar Harbor Bankshares ranks #983 out of 1527 companies in the Banks industry, which is below 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 Margin % compare to RCBC and NPB?
According to the Banks industry distribution chart, Bar Harbor Bankshares ranks #983 out of 1527 companies for Net Margin %. This places Bar Harbor Bankshares in the lower half of its industry. The industry median Net Margin % is 26.95. Bar Harbor Bankshares' value of 28.63% is 6.2% above this benchmark. Historically, Bar Harbor Bankshares' own Net Margin % has ranged from 19.03 to 29.37 over the past decade. While the company's 10-year median is 26.80 vs. the industry median of 26.95, 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 Net Margin % for a Banks company?
The median Net Margin % among Banks companies is 26.95, based on 1,527 companies in the industry. Companies in the top quartile (top 25%) have a Net Margin % significantly above this median, while those in the bottom quartile fall well below. However, Net Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Bar Harbor Bankshares's current Net Margin % of 28.63% is 6.2% 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 Net Margin % mean?
A high Net Margin % can signal that a stock is expensive relative to its fundamentals. Net margin is the ratio of total net income to net sales. View historical data on Bar Harbor Bankshares and its competitors. For the Banks industry, the median Net Margin % is 26.95 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Bar Harbor Bankshares's current Net Margin % is 28.63%, which is near median its own 10-year median of 26.80. 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 Margin % of 28.63%. The stock's GF Value™ is €27.74, compared to a current price of €32.60 — trading 17.5% above its estimated fair value. The current Net Margin % is 28.63%, which is near median its 10-year median of 26.80 and 6.2% above the Banks industry median of 26.95. 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 Margin % calculated?
Net Margin % is calculated from a company's financial statements. For Bar Harbor Bankshares (FRA:42K), the current Net Margin % is 28.63% as of Mar. 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 €32.60 is trading 17.5% above its estimated GF Value™ of €27.74.
Key valuation signals for FRA:42K:
Net Margin %: 28.63% (near median its 10-year median of 26.80)
GF Value™: €27.74 vs. price of €32.60 (17.5% above fair value)
Industry Position: 6.2% above the Banks median (#983 of 1527)
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
Get the complete analysis for FRA:42K
Net Margin % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
FRA:42K has been successfully added to your 
