Bar Harbor Stock Financials

BHB
 Stock
  

USD 26.47  0.61  2.36%   

Bar Harbor Enterprise Value is projected to increase significantly based on the last few years of reporting. The past year's Enterprise Value was at 342.72 Million. The current year Free Cash Flow is expected to grow to about 63.7 M, whereas Net Income Per Employee is forecasted to decline to about 70.7 K.
  
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With this module, you can analyze Bar Harbor financials for your investing period. You should be able to track the changes in Bar Harbor individual financial statements over time to develop the understanding of its risk, liquidity, profitability, or other critical and vital indicators.

Bar Harbor Most Recent Estimates

Quarterly Earnings Growth YOY
-0.048
Diluted Eps
2.58
EPS Estimate Current Year
2.89
EPS Estimate Next Year
3.24
EPS Estimate Current Quarter
0.66
Earnings Share
2.58

Revenues

121.08 Million

Share
Understanding current and past Bar Harbor Financials, including the trends in assets, liabilities, equity and income are directly related to making proper and timely investing decisions. All of Bar Harbor's financial statements are interrelated, with each one affecting the others. For example, an increase in Bar Harbor's assets may result in an increase in income on the income statement.
The fundamental analysis of Bar Harbor is a critical element in measuring its lifeblood. The essential information of the day-to-day investment outlook for Bar Harbor includes many different criteria found on its balance sheet. For example, investors should never minimize Bar Harbor's ability to pay suppliers or employees on time, making sure interest payments are not accumulating or correctly timing where and how to re-invest extra cash. Any individual investor needs to monitor Bar Harbor's cash flow, debt, and profitability to effectively and accurately make more informed decisions on whether to invest in Bar Harbor.

Bar Harbor Bankshares Cash

Chance Of Financial Distress
Less than 41
Bar Harbor Bankshares has less than 41 (%) percent chance of experiencing financial distress in the next two years of operations. The calculation of odds of distress for Bar Harbor stock is tightly coupled with the Probability of Bankruptcy. It complements the equity performance score by supplying investors with insight into company financials without requiring them to know too much about all of the complex accounting and financial indicators surrounding the entity. More Info
The data published in Bar Harbor's official financial statements usually reflect Bar Harbor's business processes, product offerings, services, and other fundamental events. But there are other numbers, ratios, or fundamental indicators derived from these statements that are easier to understand and visualize within the underlying realities that drive quantitative information of Bar Harbor Bankshares. For example, before you start analyzing numbers published by Bar Harbor accountants, it's critical to develop an understanding of what Bar Harbor's liquidity, profitability, and earnings quality are in the context of the Financial Services space in which it operates.
Please note, the presentation of Bar Harbor's financial position, as portrayed in its financial statements, is often influenced by management's estimates, judgments, and sometimes even manipulations. In the best case, Bar Harbor's management is honest, while the outside auditors are strict and uncompromising. Whatever the case, the imprecision that can be found in Bar Harbor's accounting process means that the reasonable investor should take a skeptical approach toward the financial statement analysis of Bar Harbor Bankshares. Please utilize our Beneish M Score to check the likelihood of Bar Harbor's management to manipulate its earnings.

Bar Harbor Company Summary

Bar Harbor competes with ATT, Coca Cola, Dupont Denemours, Walmart, and Chevron Corp. Bar Harbor Bankshares operates as the holding company for Bar Harbor Bank Trust that provides commercial, lending, retail, and wealth management banking services. The company was founded in 1887 and is based in Bar Harbor, Maine. Bar Harbor operates under BanksRegional classification in the United States and is traded on NYSEMKT Exchange. It employs 489 people.
Specialization
Financial Services, Banks - Regional
InstrumentUSA Stock View All
ExchangeNYSEMKT Exchange
CIK Number0000743367
CUSIP066849100
RegionNorth America
LocationMaine; U.S.A
Business AddressPO Box 400,
SectorFinancial Services
IndustryBanks—Regional
BenchmarkDOW
Websitewww.barharbor.bank
Phone207 288 3314
CurrencyUSD - US Dollar
You should never invest in Bar Harbor without having analyzed its financial statements. Do not rely on someone else's analysis or guesses about the future performance of Bar Harbor Stock, because this is throwing your money away. Analyzing the key information contained in Bar Harbor's financial statements can give you an edge over other investors and help to ensure that your investments perform well for you.

Bar Harbor Key Financial Ratios

Generally speaking, Bar Harbor's financial ratios allow both analysts and investors to convert raw data from Bar Harbor's financial statements into concise, actionable information that can be used to evaluate the performance of Bar Harbor over time and compare it to other companies across industries. There are many critical financial ratios that investors are exposed to on a daily basis, but they are usually grouped into few meaningful categories from each financial statement that Bar Harbor Bankshares reports annually and quarterly.

Bar Harbor Key Balance Sheet Accounts

201720182019202020212022 (projected)
Long Term Debt43.03 M42.97 M59.92 M59.96 M60.12 M64.87 M
Total Assets3.57 B3.61 B3.67 B3.72 B3.71 B3.37 B
Cash and Equivalents90.69 M98.75 M56.91 M226.01 M250.39 M270.16 M
Total Debt829.72 M723.8 M531.32 M336.02 M178.52 M183.22 M
Deposit Liabilities2.35 B2.48 B2.7 B2.91 B3.05 B2.59 B
Shareholders Equity354.64 M370.58 M396.41 M407.06 M424.15 M369.43 M
Investments3.23 B3.24 B3.31 B3.17 B3.14 B2.93 B
Total Liabilities3.21 B3.24 B3.27 B3.32 B3.29 B3 B
Tax Assets7.18 M9.51 M3.87 M3.05 M5.55 M5.39 M

Bar Harbor Key Income Statement Accounts

An income statement is very similar to a cash flow statement, but instead of showing net revenue minus expenses, it only includes earnings before interest and taxes (EBIT). This number does not have all of the same line items that are on a cash flow statement, but it leaves out non-cash expenses like depreciation and amortization. For example, if you bought $100 worth of goods from Walmart (WMT) using your debit card that has an interest rate of 20%, then paid off the balance at the end of the month with a credit card that charges 30% interest, you would have an income statement showing EBIT of $80 because your expenses are lower than the amount that went into your pocket. The other reason investors look at the income statement is to determine what Bar Harbor's earnings per share (EPS) will be in order to see if they want to buy more shares or not. For example, if a company earned $20 million in the last quarter and has 100,000 shares outstanding, its EPS is 20 cents. If you find that this number beats analysts' forecasts or is higher than it was from the same period last year, then you might want to buy more of this stock even though its price per share may not have changed.
201720182019202020212022 (projected)
Consolidated Income25.99 M32.94 M22.62 M33.24 M39.3 M33.08 M
Earning Before Interest and Taxes EBIT42.62 M40.5 M26.83 M41.65 M48.63 M42.12 M
Earning Before Interest and Taxes USD42.62 M40.5 M26.83 M41.65 M48.63 M42.12 M
Gross Profit115.35 M116.04 M116.56 M136.51 M139.14 M121.08 M
Net Income25.99 M32.94 M22.62 M33.24 M39.3 M33.08 M
Net Income Common Stock25.99 M32.94 M22.62 M33.24 M39.3 M33.08 M
Net Income Common Stock USD25.99 M32.94 M22.62 M33.24 M39.3 M33.08 M
Operating Expenses72.73 M75.54 M88.64 M93.51 M87.66 M77.18 M
Operating Income42.62 M40.5 M27.93 M43 M51.48 M43.9 M
Revenues115.35 M116.04 M116.56 M136.51 M139.14 M121.08 M
Revenues USD115.35 M116.04 M116.56 M136.51 M139.14 M121.08 M
Selling General and Administrative Expense52.88 M55.9 M61.91 M67.95 M65.93 M57.13 M
Weighted Average Shares15.18 M15.49 M15.54 M15.25 M14.97 M14.7 M
Weighted Average Shares Diluted15.29 M15.56 M15.59 M15.27 M15.04 M14.78 M
Income Tax Expense16.63 M7.56 M4.21 M8.41 M9.33 M9.04 M

Bar Harbor Key Cash Accounts

Cash flow analysis captures how much money flows into and out of Bar Harbor Bankshares. It measures of how well Bar Harbor is doing because it can show the actual money that comes into and out of the company from sales instead of measuring expenses against revenue to determine earnings. You have to read the cash flow statement in three sections. The first section shows how much money Bar Harbor brought in, usually known as net revenue or sales. This is different from earnings because it does not include expenses when determining net revenue for use on this part of the cash flow statement. Next, are operating activities, which show how much money Bar Harbor had leftover after paying for its expenses. This number can be calculated in two ways: by subtracting the total of all operating expenses from net revenue or by adding up changes to cash and other assets or liabilities on this part of the statement. The third section is about investing activities, which shows what Bar Harbor has done with the money that it received from the sale of assets or what it spent to acquire new ones. This section can be broken down into two parts: investing in existing businesses (in other words, buying more stock) and investing in non-business activities like paying off debt or making acquisitions.
201720182019202020212022 (projected)
Capital Expenditure(3.16 M)(4.79 M)(9.19 M)(5.87 M)(1.43 M)(1.54 M)
Depreciation Amortization and Accretion4.37 M4.53 M5 M5.8 M5.54 M4.73 M
Net Cash Flow or Change in Cash and Cash Equivalents82.25 M8.07 M(41.84 M)169.1 M24.38 M25.34 M
Issuance Purchase of Equity Shares464 K291 K(512 K)(13.57 M)(615 K)(663.55 K)
Issuance Repayment of Debt Securities60.04 M(105.78 M)(192.08 M)(195.3 M)(157.68 M)(161.83 M)
Payment of Dividends and Other Cash Distributions(11.51 M)(12.18 M)(13.37 M)(13.42 M)(14.07 M)(14.44 M)
Net Cash Flow from Financing200.9 M14.31 M6.73 M(11.82 M)(30.03 M)(30.82 M)
Net Cash Flow from Investing(159.01 M)(43.96 M)(78.65 M)160.24 M(6.06 M)(6.54 M)
Net Cash Flow Investment Acquisitions and Disposals(195.39 M)(25.17 M)(51.4 M)166.18 M(6.27 M)(6.77 M)
Net Cash Flow from Operations40.35 M37.72 M30.07 M20.68 M60.48 M65.25 M
Share Based Compensation1.27 M1.35 M1.37 M1.57 M2.15 M1.7 M

Bar Harbor Financial Ratios Relationships

Comparative valuation techniques use various fundamental indicators to help in determining Bar Harbor's current stock value. Our valuation model uses many indicators to compare Bar Harbor value to that of its competitors to determine the firm's financial worth. You can analyze the relationship between different fundamental ratios across Bar Harbor competition to find correlations between indicators driving Bar Harbor's intrinsic value. More Info.
Bar Harbor Bankshares is number one stock in book value per share category among related companies. It is number one stock in number of shares shorted category among related companies making about  4,392  of Number of Shares Shorted per Book Value Per Share. Bar Harbor Book Value per Share is projected to increase significantly based on the last few years of reporting. The past year's Book Value per Share was at 28.34. Comparative valuation analysis is a catch-all model that can be used if you cannot value Bar Harbor by discounting back its dividends or cash flows. This model doesn't attempt to find an intrinsic value for Bar Harbor's Stock . Still, instead, it compares the stock's price multiples to a benchmark or nearest competition to determine if the stock is relatively undervalued or overvalued. The reason why the comparable model can be used in almost all circumstances is due to the vast number of multiples that can be utilized, such as the price-to-earnings (P/E), price-to-book (P/B), price-to-sales (P/S), price-to-cash flow (P/CF), and many others. The P/E ratio is the most commonly used of these ratios because it focuses on the Bar Harbor's earnings, one of the primary drivers of an investment's value.

Bar Harbor Bankshares Systematic Risk

Bar Harbor's systematic risk plays a vital role in portfolio allocation when considering its stock to be added to a well-diversified portfolio. Bar Harbor volatility which cannot be eliminated through diversification, requires returns over the risk-free rate. Over the long run, a well-diversified portfolio provides returns that match its exposure to systematic risk. In this case, investors face a trade-off between expected returns and systematic risk and, therefore, can only reduce a portfolio's exposure to systematic risk by sacrificing expected returns on the portfolio.
The output start index for this execution was fifty with a total number of output elements of eleven. The Beta measures systematic risk based on how returns on Bar Harbor Bankshares correlated with the market. If Beta is less than 0 Bar Harbor generally moves in the opposite direction as compared to the market. If Bar Harbor Beta is about zero movement of price series is uncorrelated with the movement of the benchmark. if Beta is between zero and one Bar Harbor Bankshares is generally moves in the same direction as, but less than the movement of the market. For Beta = 1 movement of Bar Harbor is generally in the same direction as the market. If Beta > 1 Bar Harbor moves generally in the same direction as, but more than the movement of the benchmark.
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About Bar Harbor Financials

What exactly are Bar Harbor Financials? Typically, a company's financial statements are the reports that show the financial position of the company. Three primary documents fall into the category of financial statements. These documents include Bar Harbor's income statement, its balance sheet, and the statement of cash flows. Potential Bar Harbor investors and stakeholders use financial statements to determine how well the company is positioned to perform in the future. Although Bar Harbor investors may use each financial statement separately, they are all related. The changes in Bar Harbor's assets and liabilities, for example, are also reflected in the revenues and expenses that we see on Bar Harbor's income statement, which results in the company's gains or losses. Cash flows can provide more information regarding cash listed on a balance sheet, but not equivalent to net income shown on the income statement. Please read more on our technical analysis and fundamental analysis pages.
There are several different ways that investors can use financial statements to try and predict whether a stock price will go up or down. Unfortunately, there is no surefire formula, but there are some general guidelines that you should keep in mind when looking at the numbers. First, realize what kind of company it is so you know if its revenues are more likely to grow or shrink over time. For example, a software company's revenue is expected to increase year after year due to new products and services that its customers will want to buy. At the same time, a car manufacturer might not be able to sell as many cars when the economy slows down, so it would have less net income during those times. Second, pay attention to its debt to equity ratio because this number will tell you how much risk it has. If a company such as Bar Harbor is not taking on any additional risks, its debt-to-equity should be less than one. As a general rule of thumb, if the market value or book value (which can be found in the footnotes) of assets exceeds the company's liabilities, then it is probably in good shape. Finally, use other financial statements to try and figure out if a stock price will go up or down because investors are always looking for growth opportunities when they buy new stocks. For example, if you see that net revenue of Bar Harbor grown by more than 25% over the last five years, then there is a good chance that it will continue growing at least by 20% or more each year. On the other hand, if you see that net revenue has only grown by about 15%, which is barely above inflation levels, then chances are it will not grow much faster than this over time, and investors may shy away from buying it.

Bar Harbor Thematic Clasifications

Bar Harbor Bankshares is part of Banking investing theme. If you are a theme-oriented, socially responsible, and at the same time, a result-driven investor, you can align your investing habits with your values without jeopardizing your expectations about returns. You can easily create an optimal portfolio of stocks, ETFs, funds, or cryptocurrencies based on a specific theme of your liking. USA Equities from Banking industry as classified by Fama & French. Fama and French investing themes focus on testing asset pricing under different economic assumptions
Banking Idea
BankingView
This theme covers USA Equities from Banking industry as classified by Fama & French. Fama and French investing themes focus on testing asset pricing under different economic assumptions. Get More Thematic Ideas

Bar Harbor July 3, 2022 Opportunity Range

Along with financial statement analysis, the daily predictive indicators of Bar Harbor help investors to analyze its daily demand and supply, volume, patterns, and price swings to determine the real value of Bar Harbor Bankshares. We use our internally-developed statistical techniques to arrive at the intrinsic value of Bar Harbor Bankshares based on widely used predictive technical indicators. In general, we focus on analyzing Bar Harbor Stock price patterns and their correlations with different microeconomic environment and drivers. We also apply predictive analytics to build Bar Harbor's daily price indicators and compare them against related drivers.
Information Ratio0.0251
Maximum Drawdown12.26
Value At Risk(3.65)
Potential Upside2.99
Continue to Trending Equities. Note that the Bar Harbor Bankshares information on this page should be used as a complementary analysis to other Bar Harbor's statistical models used to find the right mix of equity instruments to add to your existing portfolios or create a brand new portfolio. You can also try Content Syndication module to quickly integrate customizable finance content to your own investment portal.

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Is Bar Harbor's industry expected to grow? Or is there an opportunity to expand the business' product line in the future? Factors like these will boost the valuation of Bar Harbor. If investors know Bar Harbor will grow in the future, the company's valuation will be higher. The financial industry is built on trying to define current growth potential and future valuation accurately. All the valuation information about Bar Harbor listed above have to be considered, but the key to understanding future value is determining which factors weigh more heavily than others.
Quarterly Earnings Growth YOY
-0.048
Market Capitalization
397.4 M
Quarterly Revenue Growth YOY
-0.025
Return On Assets
0.0105
Return On Equity
0.0958
The market value of Bar Harbor Bankshares is measured differently than its book value, which is the value of Bar Harbor that is recorded on the company's balance sheet. Investors also form their own opinion of Bar Harbor's value that differs from its market value or its book value, called intrinsic value, which is Bar Harbor's true underlying value. Investors use various methods to calculate intrinsic value and buy a stock when its market value falls below its intrinsic value. Because Bar Harbor's market value can be influenced by many factors that don't directly affect Bar Harbor's underlying business (such as a pandemic or basic market pessimism), market value can vary widely from intrinsic value.
Please note, there is a significant difference between Bar Harbor's value and its price as these two are different measures arrived at by different means. Investors typically determine Bar Harbor value by looking at such factors as earnings, sales, fundamental and technical indicators, competition as well as analyst projections. However, Bar Harbor's price is the amount at which it trades on the open market and represents the number that a seller and buyer find agreeable to each party.