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BHB · AMEX · Banks - Regional

Bar Harbor Bankshares (BHB)

Delivers community banking, treasury and wealth services across Northern New England.

$39.50
vs last close+0.09 (+0.23%)
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Bar Harbor BanksharesBHB
Financial sector

Provides community-banking products through lending, deposit accounts, treasury services and wealth management across Northern New England. Most revenue comes from net interest income, while fees from loan, deposit, trust and financial services supplement a relationship-focused model subject to local-market, funding and regulatory conditions.

Operates a relationship-focused community bank through Bar Harbor Bank & Trust, offering consumer and commercial lending, deposit accounts, cash-management and treasury services, mortgages, and digital banking. Bar Harbor Wealth Management provides trust administration, investment management and advisory work for individuals, businesses, nonprofits and municipalities.

Serves Northern New England across Maine, New Hampshire and Vermont, pairing local decision-making with investment in technology, operations and customer service. Income is principally generated by lending and investment securities relative to funding costs, supplemented by fees tied to loans, deposits, trust and financial services. Operations remain concentrated in community banking, with earnings and liquidity tied to loan quality, deposit pricing and retention, wealth assets, local economies, third-party technology providers, and banking, capital and listing requirements.

Company facts

CEOCurtis C. Simard
ListedMay 12, 1995
ExchangeAMEX
HeadquartersBar Harbor, ME
CountryUnited States
Employees530
CIK0000743367
ISINUS0668491006

Market cap$659.8M
EPS (ttm)$2.96
P/E (ttm)13.31
ROE9.2%
P/B1.20
P/S2.89
Dividend yieldDiv yield3.35%
Beta0.46vs XLF 0.94

Price target$46.00+16.7%Average of 2 analysts
ConsensusBuy1 of 2 analysts
Ratings

Target rangeAs of Sep 23, 2026

Latest analyst notes

DateFirmActionPriorCurrent
Aug 31, 2026JefferiesInitiate
Rating: —Target: —
Rating: BuyTarget: $48
Jul 28, 2026Piper SandlerReiterate
Rating: —Target: $41
Rating: OverweightTarget: $44
Jun 26, 2026Piper SandlerReiterate
Rating: —Target: —
Rating: OverweightTarget: $41

Next report
Oct 20, 26
estimated · in 26 days
EPS estimate
$0.94
Revenue estimate
$50.5M
Fiscal quarter
Q3 FY26

EPSReportedEstimate

Jan '25Apr '25Jul '25Oct '25Jan '26Apr '26Jul '26Oct '26
Reported$0.72$0.68$0.70$0.95$0.93$0.88$0.92Pending
Estimate$0.68$0.68$0.70$0.83$0.89$0.88$0.90$0.94
Surprise+5.9%+0.7%0.0%+14.5%+4.5%+0.6%+2.2%—

RevenueReportedEstimate

Jan '25Apr '25Jul '25Oct '25Jan '26Apr '26Jul '26Oct '26
Reported$38.5M$37.3M$34.5M$47.5M$49.4M$47.3M$49.7MPending
Estimate$39.0M$34.2M$30.9M$42.8M$49.0M$47.3M$48.9M$50.5M
Surprise−1.5%+9.0%+11.8%+11.0%+0.7%0.0%+1.5%—
Estimate$0.94
ReportedDue Oct 20, 2026
Estimate$50.5M
ReportedDue Oct 20, 2026
View details

Debt to equity51.20%
Current ratio15.90%

ProfitabilityRevenueNet incomeNet margin

Q3 FY24Q4 FY24Q1 FY25Q2 FY25Q3 FY25Q4 FY25Q1 FY26Q2 FY26
Revenue$58.2M$55.7M$55.8M$53.3M$66.5M$67.7M$55.3M$39.0M
Net income$12.2M$11.0M$10.2M$6.1M$8.9M$11.8M$13.5M$15.2M
Net margin20.9%19.7%18.3%11.4%13.3%17.4%24.5%39.0%

GrowthOperating income

Q3 FY24Q4 FY24Q1 FY25Q2 FY25Q3 FY25Q4 FY25Q1 FY26Q2 FY26
Operating income$13.6M$13.6M$12.7M$7.5M$11.0M$15.1M$6.7M$19.2M
YoY growth—+7.6%+0.2%−41.6%−18.9%+11.8%−46.9%+157.1%

Balance sheet, Jun 30, 2026Cash & short-term investments $648.0M · Total debt $281.2M · Total assets $4.74B · Shareholders' equity $549.6M

Revenue
$39.0M
Operating income
$19.2M
Net income
$15.2M
View details

Dividend yield
3.35%
Next ex-date
Nov 20, 26
estimated · in 57 days
Annual dividend
$1.32
per share
Schedule
Quarterly
4 payments a year

HistoryDividendAnnual yield

Nov '24Feb '25May '25Aug '25Nov '25Feb '26May '26Aug '26
Dividend$0.30$0.30$0.32$0.32$0.32$0.32$0.34$0.34
Annual yield3.31%3.62%3.91%3.94%4.36%3.68%3.74%3.35%
Ex-dateNov 14Feb 20May 15Aug 14Nov 20Feb 20May 21Aug 20
Payment dateDec 13Mar 20Jun 13Sep 12Dec 19Mar 20Jun 18Sep 18
View details

Institutions≈ 63.22%10.60M shares
180 holders · as of Jun 30, 2026 · largest filers plus last quarter's tail
Insiders1.41%236.2K shares
7 holders · as of Sep 22, 2026
Other≈ 35.37%5.93M shares
remainder

16.77M company shares as of Sep 24, 2026 · institutions as of Jun 30, 2026 · holders as of their latest filing

This quarter's institutional total failed a plausibility check; shown: the largest filers plus last quarter's remainder.

Top shareholders13F · 13D/G · Form 4

HolderStakeSharesDate
BlackRock, Inc.Institution
9.65%1.62Mas of Jun 30, 2026
Dimensional Fund Advisors LPInstitution
5.57%933,893as of Jun 30, 2026
Vanguard Capital Management LLCInstitution
4.30%720,974as of Jun 30, 2026
State Street CorpInstitution
3.39%568,249as of Jun 30, 2026
Geode Capital Management, LLCInstitution
2.61%436,776as of Jun 30, 2026

Insider tradesForm 4

No open-market trades in the last 12 months.

View details

  • Camden National

    Community-bank rivalry in Maine and New Hampshire retail, commercial and wealth.

  • Toronto-Dominion Bank

    Scale challenger across Northern New England deposits, loans and wealth.

  • M&T Bank

    Large regional bank across Northern New England deposits, loans and wealth.

  • NBT Bancorp

    Seven-state community bank spanning Maine, New Hampshire and Vermont.

  • Citizens Financial Group

    Regional challenger in New Hampshire and Vermont deposits, lending and wealth.

  • The First Bancorp

    Maine community bank in retail, commercial lending and trust services.

Compare

CompanyPriceChange
Bar Harbor Bankshares$39.50+0.23%$659.8M13.310.72.9+43.8%
Camden National$56.90+0.98%$953.1M10.810.32.8+20.5%
Toronto-Dominion Bank$119.57+0.13%$201.74B18.016.52.5−22.1%
M&T Bank$218.31−0.58%$31.82B11.611.02.6+5.7%
NBT Bancorp$50.86+0.75%$2.63B12.411.62.8+9.4%
Citizens Financial Group$64.15−0.71%$27.32B14.010.92.4+12.1%
The First Bancorp$34.37+1.15%$383.2M10.1—2.2+1.2%
Median12.011.02.5+7.5%