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BHB

Bar Harbor BanksharesD
NYSE American / Banks
Last Price
At close
2026-07-20
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 0.0.
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
45
Setup hits (3d)
0 · Net Neutral
AI TargetsBase $35.00 · Bull $39.00 · Bear $29.00
Data freshness
Prices
As of 2026-07-20
Fundamentals
As of 2026-07-21 • Vendor: Data Vendor v1
Scores
As of 2026-07-20 • Model: HYBRID_IC_RP
AI Memo
As of 2026-04-17 • Model: RankAlpha Sentiment Codex
Investment thesis
As of 2026-07-20
Supporting evidence
What
Grade D · Defensive
Confidence Medium · Net Neutral
Target $38.50
Why
Momentum50 · Δ7d -2.5
Value50 · Δ7d 0.0
Sentiment45 · Δ7d -5.5
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
-2.5
Δ21d
-22.7
Value
50
39% active weight
Current posture
7d trendFlat
Δ7d
0.0
Δ21d
+0.9
Sentiment
45
34% active weight
Current posture
7d trendSoftening
Δ7d
-5.5
Δ21d
+0.3
Why this grade

Composite grade D. Momentum 50.3 / Value 49.6 / Sentiment 45.4

Fundamentals (TTM)
As of 2026-07-21
Market Cap
$636.7M
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 2026-07-20 • Updated nightlySource: Internal modelMethodology