Stephen Ensign - Bar Harbor Director

BHB
 Stock
  

USD 29.85  0.72  2.36%   

  Director
Mr. Stephen W. Ensign is Independent Director of the Company. Mr. Ensign resides in New London, New Hampshire. He joined the Board in January 2017 in connection with the Companys acquisition of LSBG, where he served as Chairman of the Board since 2002, previously serving as Chief Executive Officer from 1992 to 2012 and Lake Sunapee Bank President until 2008. He also served as Vice Chairman of the board of directors of Charter Trust Company, a company engaged in the business of trust and investment management and now a subsidiary of Bar Harbor Bankshares. Mr. Ensign is presently in his second term as Chairman of the Board of the New Hampshire Housing Finance Authority. Mr. Ensign previously held various positions with LSBG and LSB, including Vice Chairman, President, Chief Executive Officer, Chief Operating Officer, Executive Vice President, Senior Vice President and Senior Loan Officer, having joined the Bank in 1971. He has served as an LSBG director beginning in 1989 and an LSB director since 1986. Mr. Ensign continues to serve as Audit Chair for the board of trustees of Proctor Academy in Andover, New Hampshire
Age: 69  Director Since 2017      
207 288-3314  www.barharbor.bank
Ensign’s experience as an executive officer and bank director provides him with the qualifications and skills to serve as a director.

Bar Harbor Management Efficiency

Bar Harbor Bankshares has Return on Asset of 1.08 % which means that on every $100 spent on asset, it made $1.08 of profit. This is way below average. In the same way, it shows return on shareholders equity (ROE) of 10.22 %, implying that it generated $10.22 on every 100 dollars invested. Bar Harbor management efficiency ratios could be used to measure how well the company manages its routine affairs as well as how well it operates its assets and liabilities. Bar Harbor Return on Average Assets are projected to slightly decrease based on the last few years of reporting. The past year's Return on Average Assets were at 1.06. The current year Return on Average Equity is expected to grow to 10.45, whereas Return on Invested Capital is forecasted to decline to 0.0112. Bar Harbor Goodwill and Intangible Assets are projected to increase significantly based on the last few years of reporting. The past year's Goodwill and Intangible Assets were at 126.21 Million. The current year Revenue to Assets is expected to grow to 0.0471, whereas Total Assets are forecasted to decline to about 2.9 B.
The company has 249 M in debt with debt to equity (D/E) ratio of 9.25, demonstrating that the company may be unable to create cash to meet all of its financial commitments. Debt can assist Bar Harbor until it has trouble settling it off, either with new capital or with free cash flow. So, Bar Harbor's shareholders could walk away with nothing if the company can't fulfill its legal obligations to repay debt. However, a more frequent occurrence is when companies like Bar Harbor Bankshares sell additional shares at bargain prices, diluting existing shareholders. Debt, in this case, can be an excellent and much better tool for Bar Harbor to invest in growth at high rates of return. When we think about Bar Harbor's use of debt, we should always consider it together with cash and equity.

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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 AMEX Exchange. It employs 489 people. Bar Harbor Bankshares (BHB) is traded on AMEX Exchange in USA and employs 489 people.

Bar Harbor Bankshares Leadership Team

Elected by the shareholders, the Bar Harbor's board of directors comprises two types of representatives: Bar Harbor inside directors who are chosen from within the company, and outside directors, selected externally and held independent of Bar Harbor. The board's role is to monitor Bar Harbor's management team and ensure that shareholders' interests are well served. Bar Harbor's inside directors are responsible for reviewing and approving budgets prepared by upper management to implement core corporate initiatives and projects. On the other hand, Bar Harbor's outside directors are responsible for providing unbiased perspectives on the board's policies.
Thomas Colwell, Independent Vice Chairman of the Board
Jennifer Svenson, Chief Human Resource Officer, Senior Vice President
David Woodside, Independent Chairman of the Board
Gregory Dalton, Executive VP of Bus. Banking - Bar Harbor Bank and Trust
Marion Colombo, Executive Vice President - Director of Retail Delivery
Scott Toothaker, Independent Director
Steven Dimick, Independent Director
Gerald Shencavitz, CFO, Executive VP and Treasurer
JOHN Mercier, Executive Vice President and Chief Lending Officer
Lauri Fernald, Independent Director
Peter Dodge, Independent Chairman of the Board
Kenneth Smith, Independent Director
Martha Dudman, Independent Director
Brendan OHalloran, Independent Director
Bradford Kopp, Interim CFO
Jason Edgar, President - BHTS and CTC
Curtis Simard, CEO and President Director and Member of Executive Committee
Clyde Lewis, Independent Director
Stephen Ensign, Director
David Colter, Independent Director
Constance Shea, Independent Director
Matthew Caras, Independent Director
Richard Maltz, Chief Risk Officer of Bar Harbor Bank and Trust and Executive VP of Bar Harbor Bank and Trust
Josephine Iannelli, Chief Financial Officer, Executive Vice President, Treasurer
Leonard Cashman, Independent Director
Stephen Theroux, Independent Director
William McIver, Executive Vice President Regional President of NH/VT of BHBT
Stephen Leackfeldt, Executive VP of Retail Banking and Operations - Bar Harbor Bank and Trust
Daina Belair, Independent Director

Bar Harbor Stock Performance Indicators

The ability to make a profit is the ultimate goal of any investor. But to identify the right stock is not an easy task. Is Bar Harbor a good investment? Although profit is still the single most important financial element of any organization, multiple performance indicators can help investors identify the equity that they will appreciate over time.

Be your own money manager

Our tools can tell you how much better you can do entering a position in Bar Harbor without increasing your portfolio risk or giving up the expected return. As an individual investor, you need to find a reliable way to track all your investment portfolios. However, your requirements will often be based on how much of the process you decide to do yourself. In addition to allowing all investors analytical transparency into all their portfolios, our tools can evaluate risk-adjusted returns of your individual positions relative to your overall portfolio.

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Pair Trading with Bar Harbor

One of the main advantages of trading using pair correlations is that every trade hedges away some risk. Because there are two separate transactions required, even if Bar Harbor position performs unexpectedly, the other equity can make up some of the losses. Pair trading also minimizes risk from directional movements in the market. For example, if an entire industry or sector drops because of unexpected headlines, the short position in Bar Harbor will appreciate offsetting losses from the drop in the long position's value.

Moving together with Bar Harbor

+0.83APAApa Corp Potential GrowthPairCorr
+0.87WFCWells Fargo Fiscal Year End 13th of January 2023 PairCorr
+0.89JPMJP Morgan Chase Fiscal Year End 13th of January 2023 PairCorr
The ability to find closely correlated positions to Bar Harbor could be a great tool in your tax-loss harvesting strategies, allowing investors a quick way to find a similar-enough asset to replace Bar Harbor when you sell it. If you don't do this, your portfolio allocation will be skewed against your target asset allocation. So, investors can't just sell and buy back Bar Harbor - that would be a violation of the tax code under the "wash sale" rule, and this is why you need to find a similar enough asset and use the proceeds from selling Bar Harbor Bankshares to buy it.
The correlation of Bar Harbor is a statistical measure of how it moves in relation to other equities. This measure is expressed in what is known as the correlation coefficient, which ranges between -1 and +1. A perfect positive correlation (i.e., a correlation coefficient of +1) implies that as Bar Harbor moves, either up or down, the other security will move in the same direction. Alternatively, perfect negative correlation means that if Bar Harbor Bankshares moves in either direction, the perfectly negatively correlated security will move in the opposite direction. If the correlation is 0, the equities are not correlated; they are entirely random. A correlation greater than 0.8 is generally described as strong, whereas a correlation less than 0.5 is generally considered weak.
Correlation analysis and pair trading evaluation for Bar Harbor can also be used as hedging techniques within a particular sector or industry or even over random equities to generate a better risk-adjusted return on your portfolios.
Pair CorrelationCorrelation Matching
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 Global Markets Map module to get a quick overview of global market snapshot using zoomable world map. Drill down to check world indexes.

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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
0.04
Market Capitalization
460.6 M
Quarterly Revenue Growth YOY
0.005
Return On Assets
0.0108
Return On Equity
0.1
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.