Bar Harbor Bankshares (BHB)
AMEXFinancialsBanks - RegionalSnapshot 2026-09-04
$40.39+0.50%
Close 2026-09-04 · 1-day change
AMEXFinancialsBanks - RegionalSnapshot 2026-09-04
QuarterlyIQ Insights · BHB
What must go right, what could break, what the price assumes, and what evidence comes next.
The current health of the standing investment case.
Recent financial performance dropped from the top half to the bottom half of its industry over the past month — the reason to own it has weakened.
One-year growth currently built into the price, compared with our model's estimate.
| Measure | Marker shape | Value |
|---|---|---|
| Growth built into the price | circle | -4.7% |
| Our one-year growth estimate | diamond |
For each item: what to watch, what would become a concern, and what would make it less concerning.
A reporting-risk estimate, not a forecast of the stock-price response.
Historical relationships that met the evidence threshold. They do not prove cause or forecast a move.
Usually moved in the same direction.
Price observations: 365 days
Most sensitive to the broad stock market.
Based on historical daily prices through 2026-09-04.
Past price behavior in dollars on a $10,000 position. This does not measure permanent business risk.
How much price usually moves either way.
A larger daily loss that occurred about once in every 20 trading days.
Use the underlying financial and sector pages to investigate the cause.
Not investment advice. Scores describe historical and current data; they are not forecasts of future returns. Consult a licensed advisor before making investment decisions.
| -6.2% |
Growth built into the price is above our model estimate.
The price assumes 1.5 percentage points more one-year growth.
The one-year revenue growth assumption on Valuation.
Model as of 2026-09-04 · Compared with 219 industry peers
BHB — earnings in line
Dated 2026-07-21
Results of Operations and Financial Condition. On July 21, 2026, Bar Harbor Bankshares issued a press release reporting its financial results for the quarter ended June 30, 2026, the full text of which is furnished as Exhibit 99.1 to this Current Report on Form 8-K and incorporated herein by reference.
Why it matters: An increase shows good financial health and care for shareholders.
Supportive ifDividend declared above $0.34 per share.
Worry ifDividend remains at or below $0.34 per share.
Why it matters: Revenue growth has been strong. A drop below the median signals a slowdown.
Worry ifRevenue growth falls below the median of the last three years.
Less concerning ifRevenue growth remains above the median of the last three years.
Why it matters: The earnings report will show if Bar Harbor Bankshares continues its profit growth. Investors will look for signs of strong performance and growth in key areas.
Supportive ifEarnings per share (EPS) exceeds $0.91, showing continued growth.
Worry ifEPS is below $0.81. This shows possible problems with making money.
Why it matters: Updates on the share buyback plan may show management's trust in the stock.
Supportive ifManagement shares news on buying back shares under the plan.
Worry ifNo updates or delays in the share repurchase plan.
We watch for confirming and disproving signals on each item. Resolutions are found automatically where possible and checked by hand for unclear cases. Last 90 days shown.
Deepest peak-to-trough drop in the last year.
| Measure | Value | Meaning |
|---|---|---|
| Typical day | ±$77 on $10,000 · ±0.8% | How much price usually moves either way. |
| Bad day | $239 loss on $10,000 · 2.4% | A larger daily loss that occurred about once in every 20 trading days. |
| Largest peak-to-trough drop in the past year | $1,386 loss on $10,000 · 13.9% | Deepest peak-to-trough drop in the last year. |
Past year. 1.00 means similar movement; 1.20 means about 20% more.
Past year. 1.00 means similar movement to the sector. This is secondary context.
Latest 30 trading days, shown as an annual percentage.
Latest 252 trading days, shown as an annual percentage.
20-trading-day average in US dollars.
Trading days used by the source risk snapshot.
Past results, not a forecast. Not investment advice.
Why it matters: The lawsuit's outcome could affect financial health and reputation. It may change stock value.
Worry ifA good ruling or settlement in the lawsuit.
Less concerning ifA bad ruling or more legal issues increase financial risk.
Why it matters: EPS growth shows the company is financially strong. It also shows good management.
Supportive ifQ3 diluted EPS exceeds $0.91, showing continued growth from Q2.
Worry ifQ3 diluted EPS falls below $0.81, indicating a slowdown in growth.
Why it matters: The lawsuit might affect the company's financial stability. It could also change how investors feel.
Worry ifThe lawsuit ends well for the company. This lowers the risk for the business.
Less concerning ifThe lawsuit ends badly, which may lead to financial penalties.
Why it matters: Consistent dividend payouts show the company is stable. It cares about its shareholders.
Supportive ifThe Board declares a dividend of at least $0.34 per share in Q3.
Worry ifNo dividend declared or a decrease in the dividend amount in Q3.
Why it matters: Lawsuits can impact financial stability. They can also change how investors feel.
Worry ifIf the lawsuits end in the company's favor, it lowers uncertainty.
Less concerning ifBad news in lawsuits can raise financial risk.
Why it matters: Loan growth is key for Bar Harbor's profitability. Strong growth signals effective management and market demand.
Supportive ifCommercial loan portfolio grows by more than 6% year-over-year.
Worry ifCommercial loan growth is under 3% compared to last year.
Why it matters: Loan growth is key for revenue; strong growth indicates demand and effective lending.
Supportive ifTotal loans increase by more than $28.9 million in Q3.
Worry ifTotal loans decrease or increase less than $28.9 million in Q3.
Why it matters: A higher credit loss allowance means loan quality may be declining. This could show borrower problems.
Worry ifCredit loss allowance is above $34.3 million.
Less concerning ifCredit loss allowance is at or below $34.3 million.
Why it matters: Changes in loan loss provisions show how the company manages risk. It also shows asset quality.
Worry ifLoan loss provisions rose sharply above $1.3 million in Q3.
Less concerning ifLoan loss provisions remain below $1 million in Q3.
Why it matters: Loan growth over 6% shows good management of loans.
Supportive ifQ3 loan growth over 6% shows strong demand and good management.
Worry ifLoan growth under 6% shows possible problems with demand or management.
Why it matters: Details on the buyback can signal management's confidence in the stock's value.
Supportive ifThey announced share buybacks. This shows they are committed.
Worry ifNo updates on the buyback plan. This shows a lack of confidence.
Why it matters: A drop in the net interest margin may mean lower earnings and loan profits.
Worry ifQ3 net interest margin was below 3.54%.
Less concerning ifNet interest margin remains at or above 3.54%.