BHB PEER ANALYSIS

Bar Harbor Bankshares Inc — metric-by-metric comparison with peers and the industry median

BHBBar Harbor Bankshares Inc

🇺🇸 USA · AMEX · Financial Services · Banks - Regional

Value it Duel

Overall Profile & Returns

· Banks - Regional

Position Within Industry

0 = weak quartile, 100 = strong quartile

BHBIndustry median

Scores normalize each metric against industry quartiles (p25–p75); direction is inverted for lower-is-better metrics.

Return Comparison

1-Year

Split-adjusted

Year-to-Date (YTD)

Key Metric Comparison

P/E

Lower is better

ROE

Higher is better

Net Margin

Higher is better

Revenue Growth

Higher is better

All Metrics

Valuation
Metric	BHB	TSKB	NWG	LLOY	SKBNK	ICBCT	Ind. Median
P/E	15.81	2.96●	9.21	13.42	20.06	15.65	12.96
P/B	1.18	0.71●	1.41	1.41	3.18	3.99	1.29
EV/EBITDA	13.10	2.21	-8.40	14.85	1.78	-9.21●	9.32
P/S	—	—	—	—	—	—	—

Financial Health
Metric	BHB	TSKB	NWG	LLOY	SKBNK	ICBCT	Ind. Median
Current Ratio	0.06	—	0.25●	0.12	—	—	0.31
Debt/Equity	40.1%	0.0%●	17.0%	209.8%	0.0%●	0.0%●	38.0%
NetDebt/EBITDA	-0.68	-0.47	-14.68	5.39	-13.41	-20.34●	-0.58

Profitability
Metric	BHB	TSKB	NWG	LLOY	SKBNK	ICBCT	Ind. Median
Net Margin	16.6%	54.9%●	20.1%	25.9%	14.2%	24.7%	20.6%
ROE	8.0%	27.4%	14.9%	10.6%	17.5%	28.9%●	10.9%
ROA	0.9%	3.7%●	0.8%	0.5%	1.2%	1.1%	1.2%
EBITDA Margin	—	—	—	—	—	—	20.4%

Growth + Dividend
Metric	BHB	TSKB	NWG	LLOY	SKBNK	ICBCT	Ind. Median
Rev. Growth	—	—	—	—	—	—	—
NI Growth	-7.8%	-1.3%	16.0%	16.2%●	8.1%	—	19.4%
Div. Yield	3.3%	—	4.8%●	3.2%	—	—	2.5%
Payout	52.6%	—	—	—	—	—	31.4%

Valuation
Metric	BHB	RRBI	ACNB	MSBI	NRIM	TCBX	Ind. Median
P/E	15.81	14.45	12.29	18.44	9.48●	9.59	12.96
P/B	1.18	1.72	1.47	1.16	1.83	1.02●	1.29
EV/EBITDA	13.10	7.28	11.57	-6.57●	2.84	0.92	9.32
P/S	—	—	—	—	—	—	—

Financial Health
Metric	BHB	RRBI	ACNB	MSBI	NRIM	TCBX	Ind. Median
Current Ratio	0.06	0.08	0.04	0.26	46.93●	0.13	0.31
Debt/Equity	40.1%	0.4%●	66.6%	74.9%	27.8%	24.2%	38.0%
NetDebt/EBITDA	-0.68	-3.62	2.69	-17.64●	-3.94	-6.27	-0.58

Profitability
Metric	BHB	RRBI	ACNB	MSBI	NRIM	TCBX	Ind. Median
Net Margin	16.6%	25.8%	25.8%	7.8%	26.3%●	18.0%	20.6%
ROE	8.0%	12.6%	12.6%	5.4%	21.1%●	12.2%	10.9%
ROA	0.9%	1.4%	1.6%	0.5%	2.0%●	1.2%	1.2%
EBITDA Margin	—	—	—	—	—	—	20.4%

Growth + Dividend
Metric	BHB	RRBI	ACNB	MSBI	NRIM	TCBX	Ind. Median
Rev. Growth	—	—	—	—	—	—	—
NI Growth	-7.8%	21.9%	105.7%	468.9%●	54.3%	35.7%	19.4%
Div. Yield	3.3%	0.7%	2.4%	4.1%●	2.3%	0.7%	2.5%
Payout	52.6%	10.0%	29.3%	104.4%	22.4%	6.9%	31.4%

The green dot marks the best value in the group given the metric direction (higher/lower is better). All metrics use trailing-twelve-month (TTM) data.

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Data on this page refreshes once per day. Price data as of Jul 6, 26. This content is for informational purposes only and is not investment advice.