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BHB

Bar Harbor BanksharesD
NYSE American / Banks
Last Price
At close
2026-07-18
View Chart
Current thesis
The constructive case is operational rather than narrative-driven: Q4 2025 showed a 3.62% net interest margin, 8% annualized commercial loan growth, stable ACL coverage near 0.94%, improving book value per share to $31.88, and management emphasized fee support from wealth management with $3.5 billion of AUM [#8-K-2026-01-22].
Posture
Defensive
Lead driver
Value
What changed
Value remains the lead driver in the composite, 7D delta -0.3.
What can break
Acquisition integration benefits may arrive more slowly than expected, leaving expense and funding drag ahead of revenue synergies.
Momentum
50
Value
50
Sentiment
46
Setup hits (3d)
0 · Net Neutral
AI TargetsBase $35.00 · Bull $39.00 · Bear $29.00
Data freshness
Prices
As of 2026-07-18
Fundamentals
As of 2026-07-17 • Vendor: Data Vendor v1
Scores
As of 2026-07-18 • Model: HYBRID_IC_RP
AI Memo
As of 2026-04-17 • Model: RankAlpha Sentiment Codex
Investment thesis
As of 2026-07-18
Supporting evidence
What
Grade D · Defensive
Confidence Medium · Net Neutral
Target $38.50
Why
Momentum50 · Δ7d -7.8
Value50 · Δ7d -0.3
Sentiment46 · Δ7d -5.2
So what
Weak posture (Net Neutral). Prioritize risk control and patience.
Lead driver: Value · See fundamentals
Momentum
50
26% active weight
Current posture
7d trendFlat
Δ7d
-7.8
Δ21d
-14.4
Value
50
39% active weight
Current posture
7d trendFlat
Δ7d
-0.3
Δ21d
+0.8
Sentiment
46
34% active weight
Current posture
7d trendSoftening
Δ7d
-5.2
Δ21d
+0.3
Why this grade

Composite grade D. Momentum 50.5 / Value 49.6 / Sentiment 46.0

Fundamentals (TTM)
As of 2026-07-17
Market Cap
$639.21M
Beta
0.64
Shares Out
16.74M
P/E (TTM)
13.6
P/S (TTM)
3.33
P/FCF (TTM)
27.31
Rev YoY
+16.3%
EPS YoY
+21.4%
Gross Margin
-
Op Margin
+28.2%
Net Debt
$234.69M
Current Ratio
0.03
As of 2026-07-18 • Updated nightlySource: Internal modelMethodology