BAR HARBOR BANKSHARES (BHB)
Financials · regional community banking · NYSE American
A community-focused regional bank headquartered in Northern New England serving individuals and businesses with over 60 branch locations.
What BAR HARBOR BANKSHARES does
Bar Harbor Bankshares is the parent company of Bar Harbor Bank & Trust, a regional community bank headquartered in Northern New England. It provides a variety of financial products and services, including banking and wealth management, to individuals, entrepreneurs, and businesses across Maine, New Hampshire, and Vermont. The bank emphasizes local decision-making combined with the technology and capabilities typically associated with larger financial institutions.
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Fundamentals
- Price$39.65 as of 2026-08-21 close
- Market cap$665M as of 2026-08-21
- 1-year return+29.7% 2025-08-21 close $30.57 → 2026-08-21 close $39.65
- P/E16.90 as of 2026-08-24
- Net margin+30.2% as of 2026-08-24
- ROE+7.8% as of 2026-08-24
- Debt / equity0.10 as of 2026-08-24
- Revenue growth (YoY)+44.9% as of 2026-08-24
- Revenue CAGR (3y)+9.8% SEC XBRL
- Beta0.63 as of 2026-08-24
- Last reported earnings2026-07-21 SEC EDGAR Form 8-K (Item 2.02)
Dividend: yield +4.3%; at least 5 years of non-decreasing per-share dividends (SEC XBRL) — we do not hold the year before it, so the real streak may be longer.
How BHB compares in its sector
- price-to-earnings ratiomiddle range 525 covered Financials peers, as of 2026-08-24
- net profit margintop 25% 538 covered Financials peers, as of 2026-08-24
- operating marginmiddle range 534 covered Financials peers, as of 2026-08-24
- return on equitymiddle range 575 covered Financials peers, as of 2026-08-24
- 3-year revenue CAGRmiddle range 347 covered Financials peers
- indicated dividend yieldmiddle range 453 covered Financials peers, as of 2026-08-24
- free cash flow (absolute dollars, latest fiscal year)middle range 431 covered Financials peers, as of FY2025
Position among covered Financials companies that report each metric (minimum 5 peers). A relative position within our covered catalog — not a valuation, quality, or investment judgment. A higher percentile is simply a higher value (for P/E, more expensive on earnings — never "better"). Informational only.
Dividend coverage (FY2025)
Covered by reported results. In FY2025, BHB's dividend was covered by reported results (earnings payout 55%, free-cash-flow payout 47%). This describes past coverage, not a forecast.
- Earnings payout55% dividends / net income
- Free-cash-flow payout47% dividends / (operating cash flow − capex)
Coverage derived from reported SEC EDGAR XBRL figures for FY2025 (dividends paid vs. net income and free cash flow, same fiscal year). This describes PAST coverage for one fiscal year — it does not predict whether a dividend will be maintained, raised, or cut, and a one-year payout ratio can be distorted by non-recurring items. Informational only — not financial advice.
How BAR HARBOR BANKSHARES looks technically
BAR HARBOR BANKSHARES (BHB) is trading 15.7% above its 200-day average, the long-term trend line — a longer-term uptrend. Its 50-day average crossed above its 200-day average about 166 trading days ago — a "golden cross", a bullish long-term signal. A strong downtrend is in place — ADX, a 0–100 trend-strength gauge, is 29, with sellers in control. Momentum is neutral — its 14-day RSI (a 0–100 momentum gauge) is 52, neither overbought (above 70) nor oversold (below 30). MACD, a trend-momentum gauge, turned bearish about 10 trading days ago (its momentum flipped negative). It made a new 20-day high about 14 trading days ago. It is 3.5% below its all-time high. Day-to-day price swings are unusually narrow versus its own recent history — a "Bollinger squeeze" (in the tightest 9% of the past ~6 months), which often precedes a bigger move. Trading volume is running unusually high — about 2.3× its 30-day average, a sign of heightened interest.
Trend
8
| Distance from the 200-day | it is trading 15.7% above its 200-day average, the long-term trend line — a longer-term uptrend | +15.7% |
|---|---|---|
| 50-day moving average | its average price over the last 50 trading days — a short-term trend line — is $38.53 | $38.53 |
| 200-day moving average | its average price over the last 200 trading days — the long-term trend line — is $34.26 | $34.26 |
| Swing structure | each recent peak has been higher than the one before it and each dip has been shallower — the pattern chart-watchers call an uptrend, which describes where price has already been and not where it goes next | higher highs and higher lows |
| Last swing turn | its last significant turn was a swing high 17 calendar days ago — the swings before that are what the structure reading is measured on | 17 sessions |
| Wave structure | its recent swings can be read as a five-part upward sequence — what Elliott-wave chartists call an impulse — now in the fourth leg, a pullback against that upward direction; the labelling fails if price closes below 39.29. It is one of several labellings that fit, and it describes the swings already printed, not what comes next. The same swings also read as a completed three-part correction. | possible upward five-wave sequence, in wave 4 (one of several readings) |
| Since the 50/200 cross | its 50-day average crossed above its 200-day average about 166 trading days ago — a "golden cross", a bullish long-term signal | 166 sessions |
| Trend strength (14-day ADX) | a strong downtrend is in place — ADX, a 0–100 trend-strength gauge, is 29, with sellers in control | 28.7 |
Momentum
3
| 14-day RSI | momentum is neutral — its 14-day RSI (a 0–100 momentum gauge) is 52, neither overbought (above 70) nor oversold (below 30) | 52.1 |
|---|---|---|
| Position in its 14-day range | it is trading in the lower half of its 14-day range ($38.78 to $41.08) — its "stochastic" reading is 38 out of 100, where 0 would mean closing exactly at the 14-session low and 100 exactly at the high. This measures WHERE the price sits inside its recent range, which is a different question from the RSI beside it: RSI is a momentum gauge, measuring how FAST the price has been moving, so a stock can drift quietly to the bottom of its range with an ordinary RSI, or fall sharply and still sit in the middle. It has been climbing within that range over the last few sessions. | 37.8 |
| Since the MACD crossed zero | MACD, a trend-momentum gauge, turned bearish about 10 trading days ago (its momentum flipped negative) | 10 sessions |
Range
12
| 52-week high | its highest closing price over the past year (about 252 trading days) was $41.08 | $41.08 |
|---|---|---|
| From the 52-week high | it is 3.5% below its 52-week high (its highest price of the past year) | -3.5% |
| Above the 52-week low | it is 41.1% above its 52-week low (its lowest price of the past year) | +41.0% |
| Below the 52-week high | it is 3.5% below its highest point of the past year | 3.5% |
| Since a 20-day breakout | it made a new 20-day high about 14 trading days ago | 14 sessions |
| Since a 55-day breakout | it made a new 55-day high about 14 trading days ago | 14 sessions |
| All-time high | its highest closing price on record is $41.08 (set on 2026-08-04) | $41.08 |
| Given back of the 52-week move | over the past year its closes ranged ($28.29 to $40.73), and it has given back only a small part of its rise from last year’s low — 9% of it. Chart-watchers call 61.8%-65% given back the "golden pocket" — for this company that is $32.64 to $33.04. It is watched widely enough that orders cluster there, which is the honest reason it matters; it is not a forecast. | 8.7% |
| From the all-time high | it is 3.5% below its all-time high | -3.5% |
| Nearest price level | it is trading 0.7% above a support level at $39.36 — a price it turned at three times since 2026-06-26, most recently on 2026-08-10. Since 2024-08-21 it has 10 such levels below the current price and 1 above. Levels like these describe where the price has reversed or paused before; they are not a forecast of where it will go. | -0.7% |
| All-time low | its lowest closing price on record is $7.68 (set on 2009-03-09) | $7.68 |
| Above the all-time low | it is 416.3% above its all-time low | +416.3% |
Volatility
5
| Band width vs its own 6 months | day-to-day price swings are unusually narrow versus its own recent history — a "Bollinger squeeze" (in the tightest 9% of the past ~6 months), which often precedes a bigger move | 9th percentile |
|---|---|---|
| Typical daily range | in a typical session it travels about $0.9388 between its high and its low — about 2.4% of its price. That is its "average true range" over the last 14 sessions, which also counts the distance from the previous close, so a day that opens well away from yesterday counts as the large move it was | $0.9388 |
| Bollinger bands (20-day, ±2σ) | most of its recent trading has stayed between about $39.04 and $40.95 — the "Bollinger bands", a range drawn two standard deviations either side of its 20-day average price, which widens when the stock gets more volatile and narrows when it settles | $39.04 – $39.99 – $40.95 |
| Typical daily range (% of price) | its price moves about 2.4% in a typical session — calmer than most companies we cover. This is the average gap between a session's high and low over the last 14 sessions, counting overnight moves, expressed against the current price so it can be compared with companies trading at any price | 2.4% |
| Stretch from the 200-day average | it is trading 5.7 daily ranges above its 200-day average price (15.7% above it in plain percentage terms) — a way of asking how far it has stretched from its own average in units of how far it normally moves in a day, so a calm company and a jumpy one can be compared on the same scale | 5.7 daily ranges above its 200-day average |
Volume
1
| Volume vs its 30-day average | trading volume is running unusually high — about 2.3× its 30-day average, a sign of heightened interest | 2.32× |
|---|
Analyst
2
| Change in the average price target | analysts' average price target is unchanged from the prior reading | 0.0% |
|---|---|---|
| Change in the consensus rating | not available for this company yet | n/a |
Candlestick patterns
1
| Since a bearish engulfing | 2 sessions ago it opened above the previous session's close and finished below that session's open — a "bearish engulfing" pair, where one down day more than undid the up day before it | 2 sessions ago |
|---|
Price gaps
2
| Gap at the open | it opened on 2026-08-21 at essentially the same price it closed at the session before — no meaningful overnight gap | +0.0% |
|---|---|---|
| Gap filled | a 3.1% gap up opened on 2026-06-11 has been "filled" 44 sessions ago — price traded back through the level the gap left behind, and it took 5 sessions to close | 44 sessions ago |
Price streaks
1
| Closing streak | it closed higher in its latest session, after a session that did not close higher — a single up day rather than a run | 1 session up |
|---|
Relative strength
4
| vs market, 1 month | over the past 1 month this stock beat the market by 1.9 percentage points (the stock gained 4.3% while the market gained 2.3%) | +1.9% |
|---|---|---|
| vs market, 3 months | over the past 3 months this stock beat the market by 11.0 percentage points (the stock gained 14.1% while the market gained 3.1%) | +11.0% |
| vs market, 6 months | over the past 6 months this stock beat the market by 3.1 percentage points (the stock gained 14.1% while the market gained 11.1%) | +3.1% |
| vs market, 12 months | over the past 12 months this stock beat the market by 9.2 percentage points (the stock gained 29.7% while the market gained 20.5%) | +9.2% |
Signal agreement
2
| Bullish technical signals | 4 of the 9 technical signals we can compute for it are currently in a bullish state: a "golden cross" — its 50-day average is above its 200-day, trading above its 200-day average, outperforming the market over 6 months, trading above the Ichimoku cloud — these describe past price behaviour, not a forecast | 4 of 9 |
|---|---|---|
| Bearish technical signals | 2 of the 9 technical signals we can compute for it are currently in a bearish state: a strong downtrend, with sellers in control, MACD momentum is negative — these describe past price behaviour, not a forecast | 2 of 9 |
Trend (Ichimoku cloud)
1
| Vs the Ichimoku cloud | trading 5.3% above the Ichimoku cloud — a band drawn from where its own highs and lows sat up to 2026-07-16 and projected forward over today's price, the side traders read as an established uptrend, with the band below acting as the level that would have to give way. The band itself is moderate, spanning 2.8% of the share price. | +5.3% |
|---|
Volume-weighted price
2
| Vs this year’s average price paid | the price is 13% above the average price paid so far this year, so the typical buyer over that stretch is showing a gain. That average is $35.08 — a volume-weighted average of daily closes over 158 sessions, not a true tick-by-tick VWAP. | +13.0% |
|---|---|---|
| Vs the average paid since it last reported | the price is sitting right on the average price paid since it last reported on 2026-07-21 (its 8-K), so the typical buyer over that stretch is roughly break-even. That average is $39.72 — a volume-weighted average of daily closes over 24 sessions, not a true tick-by-tick VWAP. | -0.2% |
Price levels it has turned at before
BHB last closed at $39.65 on 2026-08-21. Since 2024-08-21 it has turned at 10 prices below its last close and 1 above; the 3 nearest below and the nearest above are listed, nearest first.
| Level | Side | Distance | Evidence |
|---|---|---|---|
| $39.36 | Support | 0.7% below the last close | turned there three times · 2026-06-26 to 2026-08-10 |
| $41.02 | Resistance | 3.5% above the last close | turned there twice · 2026-08-04 to 2026-08-14 |
| $37.28 | Support | 6.0% below the last close | turned there three times · 2024-12-03 to 2026-07-24 |
| $36.21 | Support | 8.7% below the last close | turned there twice · 2026-02-04 to 2026-07-09 |
A level is a price this company reversed or paused at more than once — they describe past behaviour, not a forecast of where the price will go.
Wave structure
Its recent swings can be read as a five-part upward sequence — what Elliott-wave chartists call an impulse — now in leg 4 of five, a pullback against that direction.
This labelling fails — stops being a possible reading at all — if it closes below $39.29.
This is one of several labellings that fit the same swings, so treat it as a reading rather than the reading. It was chosen from 2 labellings that survived the rules, counting shorter readings of the same bars.
On past moves of this shape the leg has usually ended somewhere between $39.29 and $40.15 — that is where it has tended to end if the count holds, not a forecast of where the price goes.
Alternate reading: The same swings also read as a completed three-part correction, which fails on a close above $41.08.
This labelling was already in place when we began recording count changes on 2026-08-13, so how long it has stood is not something we can say yet.
Read from daily closes as of 2026-08-21.
An Elliott-wave count describes the swings already printed and the level that would disprove it. It is not a forecast, a target, or advice.
Screens: Trading above the 200-day moving average · Unusually heavy trading volume · in a Bollinger Band volatility squeeze · Near the all-time high · Trading above the Ichimoku cloud · Near a support level (sitting on a price it has bounced off before) | Learn: moving average · golden cross · adx · rsi · macd · breakout · all time high · bollinger bands · volume and relative volume
Based on daily closing prices as of 2026-08-21. Describes past price behavior only — informational, not financial advice.
Analyst consensus
- Mean price target$41.00 range $38.00 – $44.00
Analyst estimates, as of 2026-08-18. These are third-party analyst opinions and price targets, aggregated — not a recommendation, prediction, or advice from stocks-llm. Informational only.
Analyst EPS estimate for BHB
- Consensus EPS estimate$0.94 next reporting period, as of 2026-08-18
Change over time is not available yet: it needs two readings of the same reporting period at least 30 days apart, and we have been recording these estimates since 2026-08-04. An estimate for a DIFFERENT quarter is not a revision, so a reading from before the last report is never compared with one after it.
The consensus estimate for the next reporting period, and how it has moved between readings of that SAME period. A change is measured only between readings estimating one period — when a company reports, the consensus moves to the next quarter and the two numbers are not comparable. Informational only, not a forecast and not advice.
Key risks (from latest filing)
["Potential for asset quality decline or greater-than-anticipated loan losses.","Risks associated with interest rate fluctuations impacting the cost of deposits and loan demand.","Operational risks including cybersecurity incidents, information technology failures, and reliance on third-party vendors."]
What changed in the latest 10-Q
AI-assisted comparison of BHB's 10-Q filed 2026-05-05 against the prior one filed 2025-11-06.
Management's Discussion & Analysis (MD&A)
- Reworded:
- Period reference changed from 'three and nine months ended September 30, 2025' (filed 2025-11-06) to 'three months ended March 31, 2026' (filed 2026-05-05)
- Form 10-K reference changed from 'for the year ended December 31, 2024' (filed 2025-11-06) to 'in our Form 10-K' without specific year reference (filed 2026-05-05)
- Notes:
- Text appears truncated at end; full comparison of complete MD&A section not possible
- Changes reflect expected differences between Q3 2025 10-Q and Q1 2026 10-Q reporting periods
Risk Factors
- Added:
- Added reference to 'ongoing armed conflicts' in consumer behavior risk factor (newer filing 2026-05-05)
- Reworded:
- Form 10-K fiscal year reference changed from 'December 31, 2024' (older filing 2025-11-06) to 'December 31, 2025' (newer filing 2026-05-05)
- Consumer behavior risk factor changed from 'including inflation and concerns about liquidity' (older filing 2025-11-06) to 'including ongoing armed conflicts, inflation and concerns about liquidity' (newer filing 2026-05-05)
- Notes:
- Balance sheet dates differ between filings (March 31, 2026 vs September 30, 2025), affecting comparability of financial statement line items shown in the excerpts
- The provided text includes financial statements, not just Risk Factors section, but the Risk Factors section itself (Item 1A) contains minimal substantive disclosure in the excerpts provided
AI-assisted comparison of two SEC filing sections. It describes wording and theme changes only, makes no materiality, legal, or investment judgement, and is not financial advice. Informational only — not financial advice.
Insider activity (SEC Form 4)
No open-market insider purchases or sales recorded in the last 90 days.
- Last 180 days1 buy ($26357) · 0 sells — 1 buying insider
Most recent open-market transaction: 2026-04-28. As of 2026-08-24.
View full insider trading history → View SEC Form 3/4/5 filingsAsk about BHB's insider activity →
Only open-market purchases (SEC code P) and sales (code S) are counted here. Option exercises, vesting/awards, gifts, and shares withheld for taxes are excluded — they are compensation or mechanical, not open-market conviction. Sales may be planned and non-discretionary (e.g. a Rule 10b5-1 plan) and are not necessarily bearish; open-market buying is not a recommendation to buy. Informational only — not financial advice.
Institutional ownership (13F)
5 institutional 13F filers reported holding BHB as of 2026-03-31 (quarter-end position, filed within 45 days).
- Distinct 13F filers 5
- Reported shares held 2,068,248
- Reported value $67,114,642
reported quarterly holdings change (2025-12-31 → 2026-03-31): 0 new, 4 increased, 1 decreased, 0 exited. Change counts cover only managers that filed 13F reports in BOTH quarters, derived between two quarter-end snapshots — not same-day trades; a single manager is never said to have "bought" or "sold".
Institutional holdings are quarter-end long positions reported on SEC Form 13F-HR, filed up to 45 days after the quarter ends — they are delayed, are not real-time trades, exclude short positions and most non-US securities, and are not investment advice. Any increase/decrease is a reported change between two quarterly snapshots, not a same-day purchase or sale. These are quarter-end snapshots from the 13F filings on SEC EDGAR, filed within 45 days — not real-time, and any change is a difference between two quarterly reports, not a same-day trade. Informational only — not financial advice.
Short interest (FINRA)
BHB had 637,747 shares of reported short interest as of the 2026-07-31 FINRA settlement date (delayed, bi-monthly; not real-time).
BHB had 3.80% of its shares outstanding sold short as of the 2026-07-31 FINRA settlement date (percent of FLOAT would be higher — float is not disclosed in the source). FINRA reported 6.51 days to cover at the same settlement.
- Reported short interest (shares) 637,747
- Short interest (% of shares outstanding) 3.80%
- Prior settlement (shares) 629,219
- Reported change 1.36%
- Days to cover (reported) 6.51
Reported to FINRA as of the 2026-07-31 settlement date. Short interest is reported to FINRA and published on a delayed, bi-monthly schedule (as of a settlement date, disseminated roughly eight business days later) — it is NOT real-time, does not cover every venue or all US trading, and is not a short-squeeze prediction or investment advice. Days-to-cover is the value FINRA reports; percent of float is not shown because the source file carries no share-count denominator — where a percent appears it is of shares OUTSTANDING, the larger base, and is therefore a floor on percent of float. Informational only — not financial advice.
BAR HARBOR BANKSHARES is found in…
Frequently asked questions
What does BAR HARBOR BANKSHARES (BHB) do?
Bar Harbor Bankshares is the parent company of Bar Harbor Bank & Trust, a regional community bank headquartered in Northern New England. It provides a variety of financial products and services, including banking and wealth management, to individuals, entrepreneurs, and businesses across Maine, New Hampshire, and Vermont. The bank emphasizes local decision-making combined with the technology and capabilities typically associated with larger financial institutions.
What sector is BAR HARBOR BANKSHARES (BHB) in?
BAR HARBOR BANKSHARES (BHB) is classified in the Financials sector. Its industry is regional community banking. It trades on NYSE American.
Does BHB pay a dividend?
Yes — BAR HARBOR BANKSHARES (BHB) pays a dividend, with an indicated yield of about 4.28% and at least 5 years of non-decreasing per-share dividends (SEC EDGAR XBRL) — we do not hold the year before it, so the real streak may be longer (market data, as of 2026-08-24). Informational only — not financial advice.
Is BAR HARBOR BANKSHARES (BHB) overbought or oversold right now?
BAR HARBOR BANKSHARES (BHB) is currently neither overbought nor oversold — its 14-day RSI (a 0–100 momentum gauge) is 52, in the neutral middle (as of 2026-08-21). RSI describes recent price momentum, not a forecast — informational only, not financial advice.
Where does stocks-llm's data on BHB come from?
Fundamentals and prices come from market data, as of 2026-08-24; company filings and profile facts come from SEC EDGAR. All figures are delayed daily-close data shown with their as-of date — informational only, not financial advice.
Fundamentals: market data, as of 2026-08-24. Filings: SEC EDGAR. Prices are delayed daily-close data.
Last updated 2026-08-21.
Informational only — NOT financial advice. All figures are delayed daily-close data from SEC EDGAR & market data, shown with their as-of date.