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Upturn AI SWOT - About
BHB 
Bar Harbor Bankshares Inc (BHB)
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Upturn Advisory Summary
04/01/2025: BHB (1-star) is currently NOT-A-BUY. Pass it for now.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
AI Based Fundamental Rating
Below Average Performance
These Stocks/ETFs, based on Upturn Advisory, often underperform the market, warranting careful consideration before investing.
Analysis of Past Performance
Type Stock | Historic Profit -20.87% | Avg. Invested days 35 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  2.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 04/01/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 456.00M USD | Price to earnings Ratio 10.5 | 1Y Target Price 36 |
Price to earnings Ratio 10.5 | 1Y Target Price 36 | ||
Volume (30-day avg) 46121 | Beta 0.69 | 52 Weeks Range 22.36 - 37.80 | Updated Date 04/1/2025 |
52 Weeks Range 22.36 - 37.80 | Updated Date 04/1/2025 | ||
Dividends yield (FY) 4.07% | Basic EPS (TTM) 2.84 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 29.26% | Operating Margin (TTM) 41.73% |
Management Effectiveness
Return on Assets (TTM) 1.08% | Return on Equity (TTM) 9.78% |
Valuation
Trailing PE 10.5 | Forward PE - | Enterprise Value 682146560 | Price to Sales(TTM) 3.06 |
Enterprise Value 682146560 | Price to Sales(TTM) 3.06 | ||
Enterprise Value to Revenue 4.99 | Enterprise Value to EBITDA - | Shares Outstanding 15291900 | Shares Floating 14937661 |
Shares Outstanding 15291900 | Shares Floating 14937661 | ||
Percent Insiders 2.82 | Percent Institutions 58.38 |
Analyst Ratings
Rating 3 | Target Price 35 | Buy - | Strong Buy - |
Buy - | Strong Buy - | ||
Hold 2 | Sell - | Strong Sell - | |
Strong Sell - |
Upturn AI SWOT
Bar Harbor Bankshares Inc
Company Overview
History and Background
Bar Harbor Bankshares, founded in 1887, has grown from a local community bank to a regional financial institution serving Northern New England. It expanded through organic growth and strategic acquisitions, focusing on customer relationships and community involvement.
Core Business Areas
- Commercial Banking: Provides lending, deposit, and cash management services to businesses of all sizes.
- Retail Banking: Offers personal banking services including checking and savings accounts, mortgages, and personal loans.
- Wealth Management: Provides investment management, financial planning, and trust services.
Leadership and Structure
The bank is led by a board of directors and an executive management team. The structure includes various departments overseeing commercial banking, retail banking, wealth management, operations, and compliance.
Top Products and Market Share
Key Offerings
- Commercial Loans: Provide financing for businesses, including term loans, lines of credit, and commercial real estate loans. Market share data is not publicly available at a granular level. Competitors include larger national banks and regional players. Revenue can be very variable depending on interest rate and loan terms.
- Mortgages: Offers residential mortgage loans. Market share data is not publicly available at a granular level. Competitors include mortgage lenders and credit unions. Revenue can be very variable depending on interest rates and loan terms.
- Deposit Accounts: Provides checking, savings, and money market accounts. Market share is concentrated in its operating area, relative to large national banks.
Market Dynamics
Industry Overview
The banking industry is currently influenced by interest rate changes, regulatory requirements, and increasing competition from fintech companies.
Positioning
Bar Harbor Bankshares is positioned as a community-focused bank with a strong regional presence in Northern New England. Its competitive advantages include its local expertise and customer relationships.
Total Addressable Market (TAM)
The TAM includes all banking services in Northern New England, estimated to be in the billions of dollars. Bar Harbor Bankshares captures a portion of this market through its community-focused services.
Upturn SWOT Analysis
Strengths
- Strong customer relationships
- Local market expertise
- Community involvement
- Experienced management team
Weaknesses
- Limited geographic diversification
- Dependence on regional economy
- Smaller scale compared to national banks
- Exposure to interest rate risk
Opportunities
- Expansion into new markets
- Adoption of digital technologies
- Growth in wealth management services
- Strategic acquisitions
Threats
- Increased competition from larger banks and fintech companies
- Economic downturns in the region
- Rising interest rates
- Regulatory changes
Competitors and Market Share
Key Competitors
- TD (TD)
- Bank of America (BAC)
- KeyCorp (KEY)
Competitive Landscape
Bar Harbor Bankshares competes with larger national banks and regional players. Its advantages include its local presence and customer service.
Major Acquisitions
Growth Trajectory and Initiatives
Historical Growth: Historical growth has been steady, driven by organic growth and strategic acquisitions.
Future Projections: Future growth is expected to be driven by expanding its services and geographic reach.
Recent Initiatives: Recent initiatives include investing in digital banking technologies and expanding its wealth management services.
Summary
Bar Harbor Bankshares is a community-focused bank with a strong presence in Northern New England. Its strengths include customer relationships and local expertise. It faces challenges from larger competitors and economic fluctuations but has opportunities to grow through digital technologies and strategic expansion. The lack of public financial data hinders a complete assessment.
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Sources and Disclaimers
Data Sources:
- Company website
- Analyst reports
- Third-party financial data providers
Disclaimers:
The information provided is for informational purposes only and should not be considered financial advice. Market share data may not be precise due to data limitations.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About Bar Harbor Bankshares Inc
Exchange NYSE MKT | Headquaters Bar Harbor, ME, United States | ||
IPO Launch date 1997-09-23 | President, CEO & Director Mr. Curtis C. Simard | ||
Sector Financial Services | Industry Banks - Regional | Full time employees 458 | Website https://www.barharbor.bank |
Full time employees 458 | Website https://www.barharbor.bank | ||
Bar Harbor Bankshares operates as the holding company for Bar Harbor Bank & Trust that provides banking and nonbanking products and services primarily to consumers and businesses. It offers deposit products, including interest-bearing and non-interest-bearing demand accounts, savings accounts, time deposits, and money market deposit accounts, as well as certificates of deposit. The company also provides commercial construction loans, such as raw land, land development, and construction of commercial and multifamily residential properties; commercial real estate owner occupied and non-owner occupied loans; tax exempt loans to various state and municipal government entities; commercial and industrial loans, including loans for the purpose of financing working capital and capital investment; residential real estate loans consists of one-to-four family homes; home equity loans; and consumer loans, including personal lines of credit and amortizing loans to qualified individuals for various purposes, such as auto loans, recreational equipment, overdraft protection, and other consumer loans, as well as allowance for credit losses. In addition, it provides life insurance, annuity, and retirement products; financial planning services; and third-party investment and insurance services. Further, the company offers trust and estate administration, wealth advisory, and investment management services to individuals, businesses, not-for-profit organizations, and municipalities; and 401(K) plan, financial, estate and charitable planning, investment management, family office, municipal, and tax services. Bar Harbor Bankshares was founded in 1887 and is headquartered in Bar Harbor, Maine
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