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Bar Harbor BanksharesFRA:42K 60 PB Ratio is 1.19 as of Jul. 22, 2026, which is 14% above its 10-year median of 1.04. GuruFocus rates FRA:42K with a GF Score™ of 60/100 and a GF Value™ of €29.23. The stock has 6 warning signs investors should review. Among 1,510 Banks companies, Bar Harbor Bankshares ranks worse than 55.23% on this metric.
Bar Harbor Bankshares Inc stock PB Ratio (=1.18) is close to 5-year high of 1.3.
The historical rank and industry rank for Bar Harbor Bankshares's PB Ratio or its related term are showing as below:
FRA:42K'
s PB Ratio Range Over the Past 10 Years
Min: 0.56 Med: 1.04 Max: 1.85
Current: 1.18
During the past 13 years, Bar Harbor Bankshares's highest PB Ratio was 1.85. The lowest was 0.56. And the median was 1.04.
FRA:42K's PB Ratio is ranked worse than 55.23% of 1510
companies
in the Banks industry
Industry Median: 1.12
vs FRA:42K: 1.18
During the past 12 months, Bar Harbor Bankshares's average Book Value Per Share Growth Rate was 5.30% per year.
During the past 3 years, the average Book Value Per Share Growth Rate was 6.90% per year.
During the past 5 years, the average Book Value Per Share Growth Rate was 3.00% per year.
During the past 10 years, the average Book Value Per Share Growth Rate was 5.90% per year.
During the past 13 years, the highest 3-Year average Book Value Per Share Growth Rate of Bar Harbor Bankshares was 14.20% per year. The lowest was 0.80% per year. And the median was 6.55% per year.
Back to Basics: PB Ratio
Bar Harbor Bankshares (FRA:42K) PB Ratio Explanation
The PB Ratio works the best for the businesses that earn most of their profit from their assets, e.g. banks and insurance companies.
Be Aware
Some businesses have very light assets, such as software companies or insurance agencies. The PB Ratio does not work well for these companies. Some companies even have negative equity, so the PB Ratio cannot be applied to them.
* 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.
For the Banks - Regional subindustry, Bar Harbor Bankshares's PB Ratio, along with its competitors' market caps and PB Ratio 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 PB Ratio vs Banks Industry
For the Banks industry and Financial Services sector, Bar Harbor Bankshares's PB Ratio distribution charts can be found below:
* The bar in red indicates where Bar Harbor Bankshares's PB Ratio falls into.
The PB Ratio, or Price-to-Book ratio, or Price/Book, is a financial ratio used to compare a company's market price to its Book Value per Share. It is a ratio widely used to value stocks.
* 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.
It can also be calculated from the numbers for the whole company:
A closely related ratio is called Price-to-Tangible-Book. The difference between Price-to-Tangible-Book and PB Ratio is that book value other than intangibles are used in the calculation.
Bar Harbor Bankshares (FRA:42K) has a PB Ratio of 1.19 as of Jul. 22, 2026. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on Bar Harbor Bankshares and its competitors. This is 14% above median its historical median of 1.04. Over the past decade, Bar Harbor Bankshares' PB Ratio has ranged from 0.56 to 1.85. According to the industry distribution chart, Bar Harbor Bankshares ranks #834 out of 1510 companies in the Banks industry, placing it in the top 55.2%.
Is Bar Harbor Bankshares' PB Ratio too high?
Bar Harbor Bankshares' current PB Ratio of 1.19 is 14% above median its 10-year median of 1.04. Over the past 10 years, this metric has ranged from a low of 0.56 to a high of 1.85. The Banks industry median PB Ratio is 1.12. Bar Harbor Bankshares' value of 1.19 is 6.2% above this industry median. Based on the distribution chart, Bar Harbor Bankshares ranks #834 out of 1510 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' PB Ratio compare to NPB and AMBZ?
According to the Banks industry distribution chart, Bar Harbor Bankshares ranks #834 out of 1510 companies for PB Ratio. This places Bar Harbor Bankshares in the lower half of its industry. The industry median PB Ratio is 1.12. Bar Harbor Bankshares' value of 1.19 is 6.2% above this benchmark. Historically, Bar Harbor Bankshares' own PB Ratio has ranged from 0.56 to 1.85 over the past decade. While the company's 10-year median is 1.04 vs. the industry median of 1.12, 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 PB Ratio for a Banks company?
The median PB Ratio among Banks companies is 1.12, based on 1,510 companies in the industry. Companies in the top quartile (top 25%) have a PB Ratio significantly above this median, while those in the bottom quartile fall well below. However, PB Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Bar Harbor Bankshares's current PB Ratio of 1.19 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 PB Ratio mean?
A high PB Ratio can signal that a stock is expensive relative to its fundamentals. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on Bar Harbor Bankshares and its competitors. For the Banks industry, the median PB Ratio is 1.12 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Bar Harbor Bankshares's current PB Ratio is 1.19, which is 14% above median its own 10-year median of 1.04. 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 PB Ratio of 1.19. The stock's GF Value™ is €29.23, compared to a current price of €33.20 — trading 13.6% above its estimated fair value. The current PB Ratio is 1.19, which is 14% above median its 10-year median of 1.04 and 6.2% above the Banks industry median of 1.12. 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 PB Ratio calculated?
PB Ratio is calculated from a company's financial statements. For Bar Harbor Bankshares (FRA:42K), the current PB Ratio is 1.19 as of Jul. 22, 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 13.6% above its estimated GF Value™ of €29.23.
Key valuation signals for FRA:42K:
PB Ratio: 1.19 (14% above median its 10-year median of 1.04)
GF Value™: €29.23 vs. price of €33.20 (13.6% above fair value)
Industry Position: 6.2% above the Banks median (#834 of 1510)
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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