Bar Harbor Bankshares
PosiFunda Ratios Only on PositoAI
PositoAI's own ratios from Bar Harbor Bankshares's yearly results (2022–2025), compared with Financial Services companies in United States. Tap ? on any ratio for what it means.
What stands out
- Growth Efficiency Ratio: Sales grew 13% in 3 years, but profit fell: $33 less profit per $100 of extra sales. Lower than 89% of Financial Services companies in United States.
Cash quality
Profit Cash Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Self-Funding Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Cash Locked Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Growth quality
Steadiness Ratio
2/3 · 1/3Sales grew in 2 of the last 3 years; profit grew in 1 of 3.
Less steady than 71% of Financial Services companies in United States.
Growth Efficiency Ratio
−$33Sales grew 13% in 3 years, but profit fell: $33 less profit per $100 of extra sales.
Lower than 89% of Financial Services companies in United States.
Asset Productivity Ratio
+13% / +20%In 3 years sales changed by +13% while total assets changed by +20%. Assets grew faster than sales.
Balance-sheet strength
Debt Due Cover Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Cash Cushion Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Tangible Assets Ratio
97%Of every $100 the company owns, $97 is in tangible assets such as plants, cash, stock and receivables; the rest is goodwill and other intangibles.
Less tangible than 65% of Financial Services companies in United States.
Tangible Net Worth Ratio
70%Of every $100 of net worth, $70 is tangible; the rest is goodwill and other intangibles, often from buying other companies.
Less tangible than 70% of Financial Services companies in United States.
Shareholders
Standard fundamentals
P/E, P/B, ROE, debt, growth and more (11)
Bar Harbor Bankshares owes $0.88 for every $1 it owns. Net profit fell 15% in the year to Dec 2025, and shrank 5% a year on average over 3 years.
Compared with Financial Services companies in United States · latest annual results Dec 2025.
P/E ratio
13.3Investors pay $13.3 for every $1 of Bar Harbor Bankshares' yearly profit, higher than 55% of Financial Services companies in United States.
P/B ratio
1.20The share price is 1.20 times Bar Harbor Bankshares' book value per share, lower than 57% of Financial Services companies in United States.
Market cap
$662 MThe total market value of all of Bar Harbor Bankshares' shares at today's price (share price × number of shares), smaller than 52% of Financial Services companies in United States. PosiCap size class: Mini Cap.
Net worth (book value)
$550 MWhat Bar Harbor Bankshares would have left on paper if it sold everything it owns and paid everything it owes, from its latest balance sheet (30 Jun 2026).
Book value per share
$32.78Net worth divided by the number of shares. The share price of $39.47 is 1.2 times this, which is the P/B above.
Return on equity (ROE)
9.7%Bar Harbor Bankshares earned 9.7% on its shareholders' money over the last year, lower than 56% of Financial Services companies in United States.
Owes vs Owns
0.88×Bar Harbor Bankshares owes $0.88 for every $1 it owns (high), higher than 68% of Financial Services companies in United States. Banks and lenders usually show higher figures.
Dividend yield
3.41%Bar Harbor Bankshares pays 3.41% of its share price as dividends a year, higher than 61% of dividend-paying Financial Services companies in United States.
Revenue growth
+13%Revenue rose 13% in the year to Dec 2025, and grew 4% a year on average over 3 years.
Profit growth
-15%Net profit fell 15% in the year to Dec 2025, and shrank 5% a year on average over 3 years.
Profit margin
21.9%Bar Harbor Bankshares keeps $22 of every $100 of revenue as net profit.
Questions
What is Bar Harbor Bankshares' P/E ratio?
Investors pay $13.3 for every $1 of Bar Harbor Bankshares' yearly profit, higher than 55% of Financial Services companies in United States.
How is P/B calculated on PositoAI?
P/B is market cap divided by net worth from the latest balance sheet. For Bar Harbor Bankshares: $662 M ÷ $550 M (30 Jun 2026) = 1.2.
What is Bar Harbor Bankshares' return on equity?
Bar Harbor Bankshares earned 9.7% on its shareholders' money over the last year, lower than 56% of Financial Services companies in United States.
How much does Bar Harbor Bankshares owe compared with what it owns?
Bar Harbor Bankshares owes $0.88 for every $1 it owns (high), higher than 68% of Financial Services companies in United States. Banks and lenders usually show higher figures.
Does Bar Harbor Bankshares pay a dividend?
Yes. Bar Harbor Bankshares pays 3.41% of its share price as dividends a year, higher than 61% of dividend-paying Financial Services companies in United States.
Is Bar Harbor Bankshares' revenue growing?
Revenue rose 13% in the year to Dec 2025, and grew 4% a year on average over 3 years.
Figures from the company's yearly results and PositoAI's own data. Full tables are on the Go Deep tab. What each figure means. PositoAI is for research and education only and is not investment advice.