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Bar Harbor BanksharesFRA:42K +2.44%60 Return-on-Tangible-Equity is 14.44% as of Mar. 2026, which is 11% above its 10-year median of 13.01. GuruFocus rates FRA:42K with a GF Score™ of 60/100 and a GF Value™ of €29.43. The stock has 6 warning signs investors should review. Among 1,523 Banks companies, Bar Harbor Bankshares ranks worse than 50.69% on this metric.
Return-on-Tangible-Equity is calculated as Net Income divided by its average total shareholder tangible equity. Total shareholder tangible equity equals to Total Stockholders Equity minus Intangible Assets. Bar Harbor Bankshares's annualized net income for the quarter that ended in Mar. 2026 was €46.8 Mil. Bar Harbor Bankshares's average shareholder tangible equity for the quarter that ended in Mar. 2026 was €324.3 Mil. Therefore, Bar Harbor Bankshares's annualized Return-on-Tangible-Equity for the quarter that ended in Mar. 2026 was 14.44%.
The historical rank and industry rank for Bar Harbor Bankshares's Return-on-Tangible-Equity or its related term are showing as below:
FRA:42K'
s Return-on-Tangible-Equity Range Over the Past 10 Years
Min: 8.5 Med: 13.01 Max: 15.58
Current: 11.14
During the past 13 years, Bar Harbor Bankshares's highest Return-on-Tangible-Equity was 15.58%. The lowest was 8.50%. And the median was 13.01%.
FRA:42K's Return-on-Tangible-Equity is ranked worse than 50.69% of 1523
companies
in the Banks industry
Industry Median: 11.23
vs FRA:42K: 11.14
Bar Harbor Bankshares (FRA:42K) Return-on-Tangible-Equity Explanation
Return-on-Tangible-Equity measures the rate of return on the ownership interest (shareholder's tangible equity) of the common stock owners. It measures a firm's efficiency at generating profits from every unit of shareholders' tangible equity (shareholders equity minus intangibles). Return-on-Tangible-Equity shows how well a company uses investment funds to generate earnings growth. Return-on-Tangible-Equitys between 15% and 20% are considered desirable.
Be Aware
Net Income is used.
Because a company can increase its Return-on-Tangible-Equity by having more financial leverage, it is important to watch the leverage ratio when investing in high Return-on-Tangible-Equity companies. Like Return-on-Tangible-Asset, Return-on-Tangible-Equity is calculated with only 12 months data. Fluctuations in company's earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective.
Asset light businesses require very few assets to generate very high earnings. Their Return-on-Tangible-Equitys can be extremely high.
Bar Harbor Bankshares Return-on-Tangible-Equity Related Terms
Bar Harbor Bankshares Return-on-Tangible-Equity Historical Data
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The historical data trend for Bar Harbor Bankshares's Return-on-Tangible-Equity 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 Return-on-Tangible-Equity Chart
FRA:42K vs NPB, AMBZ, MSBI: Return-on-Tangible-Equity Comparison
For the Banks - Regional subindustry, Bar Harbor Bankshares's Return-on-Tangible-Equity, along with its competitors' market caps and Return-on-Tangible-Equity 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 Return-on-Tangible-Equity vs Banks Industry
For the Banks industry and Financial Services sector, Bar Harbor Bankshares's Return-on-Tangible-Equity distribution charts can be found below:
* The bar in red indicates where Bar Harbor Bankshares's Return-on-Tangible-Equity 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.
In the calculation of annual Return-on-Tangible-Equity, the net income of the last fiscal year and the average total shareholder tangible equity over the fiscal year are used. In calculating the quarterly data,
the net income data used here is four times the quarterly (Mar. 2026) net income data.
Return-on-Tangible-Equity is displayed in the 10-year financial page.
What does a Return-on-Tangible-Equity of 14.44% mean?
Bar Harbor Bankshares (FRA:42K) has a Return-on-Tangible-Equity of 14.44% as of Mar. 2026. Return on tangible equity is the ratio of current-period net income to average two-period tangible equity. View historical data on Bar Harbor Bankshares and its competitors. This is 11% above median its historical median of 13.01. Over the past decade, Bar Harbor Bankshares' Return-on-Tangible-Equity has ranged from 8.50 to 15.58. According to the industry distribution chart, Bar Harbor Bankshares ranks #772 out of 1523 companies in the Banks industry, placing it in the top 50.7%.
Is Bar Harbor Bankshares' Return-on-Tangible-Equity too high?
Bar Harbor Bankshares' current Return-on-Tangible-Equity of 14.44% is 11% above median its 10-year median of 13.01. Over the past 10 years, this metric has ranged from a low of 8.50 to a high of 15.58. The Banks industry median Return-on-Tangible-Equity is 11.23. Bar Harbor Bankshares' value of 14.44% is 28.6% above this industry median. Based on the distribution chart, Bar Harbor Bankshares ranks #772 out of 1523 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' Return-on-Tangible-Equity compare to NPB and AMBZ?
According to the Banks industry distribution chart, Bar Harbor Bankshares ranks #772 out of 1523 companies for Return-on-Tangible-Equity. This places Bar Harbor Bankshares in the lower half of its industry. The industry median Return-on-Tangible-Equity is 11.23. Bar Harbor Bankshares' value of 14.44% is 28.6% above this benchmark. Historically, Bar Harbor Bankshares' own Return-on-Tangible-Equity has ranged from 8.50 to 15.58 over the past decade. While the company's 10-year median is 13.01 vs. the industry median of 11.23, 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 Return-on-Tangible-Equity for a Banks company?
The median Return-on-Tangible-Equity among Banks companies is 11.23, based on 1,523 companies in the industry. Companies in the top quartile (top 25%) have a Return-on-Tangible-Equity significantly above this median, while those in the bottom quartile fall well below. However, Return-on-Tangible-Equity should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Bar Harbor Bankshares's current Return-on-Tangible-Equity of 14.44% is 28.6% 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 Return-on-Tangible-Equity mean?
A high Return-on-Tangible-Equity can signal that a stock is expensive relative to its fundamentals. Return on tangible equity is the ratio of current-period net income to average two-period tangible equity. View historical data on Bar Harbor Bankshares and its competitors. For the Banks industry, the median Return-on-Tangible-Equity is 11.23 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Bar Harbor Bankshares's current Return-on-Tangible-Equity is 14.44%, which is 11% above median its own 10-year median of 13.01. 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 Return-on-Tangible-Equity of 14.44%. The stock's GF Value™ is €29.43, compared to a current price of €33.60 — trading 14.2% above its estimated fair value. The current Return-on-Tangible-Equity is 14.44%, which is 11% above median its 10-year median of 13.01 and 28.6% above the Banks industry median of 11.23. 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 Return-on-Tangible-Equity calculated?
Return-on-Tangible-Equity is calculated from a company's financial statements. For Bar Harbor Bankshares (FRA:42K), the current Return-on-Tangible-Equity is 14.44% 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 €33.60 is trading 14.2% above its estimated GF Value™ of €29.43.
Key valuation signals for FRA:42K:
Return-on-Tangible-Equity: 14.44% (11% above median its 10-year median of 13.01)
GF Value™: €29.43 vs. price of €33.60 (14.2% above fair value)
Industry Position: 28.6% above the Banks median (#772 of 1523)
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
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