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BHBBar Harbor Bankshares, Inc.Hold6.2·$37.66-2.51%
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Bar Harbor Bankshares, Inc. (BHB) Stock Analysis

Breakout setup · Catalyst-Driven edge

HoldModerate Confidence

Financial Services · Banks - Regional

Hold if already holding. Not a fresh buy at $37.66, but acceptable to hold if already in. Reason: Analyst target reached - limited upside remaining.

Bar Harbor Bankshares operates as the holding company for Bar Harbor Bank & Trust that provides banking and nonbanking products and services primarily to consumers and businesses. The company offers deposit products, including interest-bearing and non-interest-bearing demand... Read more

$37.66+3.2% A.UpsideScore 6.2/10#57 of 225 Banks - Regional
QualityF-score8 / 9FCF yield
IncomeYield3.45%(5y avg 3.80%)Payout52.03%sustainable
Stop $35.48Target $38.88(resistance)A.R:R -1.7:1
Analyst target$38.00+0.9%2 analysts
$38.88our TP
$37.66price
$38.00mean
$35
$41

Hold if already holding. Not a fresh buy at $37.66, but acceptable to hold if already in. Reason: Analyst target reached - limited upside remaining. Chart setup: Golden cross, above all MAs, RSI 57, MACD bullish. Maintain position. Not compelling to add more. Score 6.2/10, moderate confidence.

Passes 7/9 gates (positive momentum, clean insider activity, no SEC red flags, news events none recent, earnings proximity 17d clear, semi cycle peak clear, materials cycle peak clear). Fails on favorable risk/reward ratio. Suitability: aggressive.

TrendMatrix Research · upcoming catalyst calendar

Upcoming dated catalysts

Tue, Jul 21, 202617d to earnings· next earnings call

Thesis

Rewards
Strong earnings beat streak (4/4)
Attractive valuation
Strong growth profile
Risks
Analyst target reached - limited upside remaining

Key Metrics

P/E (TTM)15.3
P/E (Fwd)9.9
Mkt Cap$631M
EV/EBITDA
Profit Mgn23.3%
ROE8.0%
Rev Growth25.7%
Beta0.59
Dividend3.45%
Rating analysts6

Quality Signals

Piotroski F8/9

Options Flow

P/C0.75neutral
IV70%elevated

Model-generated analysis — not investment advice. Not a registered investment advisor. Past performance does not guarantee future results.

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Methodology · Editorial policy & full disclaimer

Rating Breakdown

1 ceiling hit

GatesA.R:R -1.7=NEGATIVEMomentum 4.8<5.5 (soft — BUY_NOW allowed but watch)Momentum 4.8>=4.5Insider activity: OKNo SEC red flagsNEWS EVENTS NONE RECENTEARNINGS PROXIMITY 17d clearSEMI CYCLE PEAK CLEARMATERIALS CYCLE PEAK CLEARBreakoutSuitability: Aggressive
RSI
57 · Neutral
20D MA 50D MA 200D MAGOLDEN CROSSSupport $34.53Resistance $39.67

Price Targets

$35
$39
A.Upside+3.2%
A.R:R-1.7:1

Position Sizing

ConvictionNone
Suggested %0.5%
Max %1%
RegimeSteady

Risk Alerts

! Target reached (-14.2% upside)
! Negative risk/reward — downside exceeds upside

Earnings

B
B
B
B
4/4 beats
Next Earnings2026-07-21 (17d)

Verdict History

reverse chrono — latest first
Loading history...
Verdicts are recorded on every nightly pipeline run. Rows capture transitions (verdict flips, score deltas ≥0.3, entry/TP/SL changes). Rows with a ▶ can be expanded to see the change reason. Aggregate cohort performance is tracked in the recommendation ledger.
Frequently Asked Questions
Is BHB stock a buy right now?

Hold if already holding. Not a fresh buy at $37.66, but acceptable to hold if already in. Reason: Analyst target reached - limited upside remaining. Chart setup: Golden cross, above all MAs, RSI 57, MACD bullish. Maintain position. Not compelling to add more. Target $38.88 (+3.2%), stop $35.48 (−6.1%), A.R:R -1.7:1. Score 6.2/10, moderate confidence.

What is the BHB stock price target?

Take-profit target: $38.88 (+3.2% upside). Target $38.88 (+3.2%), stop $35.48 (−6.1%), A.R:R -1.7:1. Stop-loss: $35.48.

What are the risks of investing in BHB?

Analyst target reached - limited upside remaining.

Is BHB overvalued or undervalued?

Bar Harbor Bankshares, Inc. trades at a P/E of 15.3 (forward 9.9). TrendMatrix value score: 8.9/10. Verdict: Hold.

What do analysts say about BHB?

6 analysts cover BHB with a consensus score of 3.8/5. Average price target: $38.

What does Bar Harbor Bankshares, Inc. do?Bar Harbor Bankshares operates as the holding company for Bar Harbor Bank & Trust that provides banking and nonbanking...

Bar Harbor Bankshares operates as the holding company for Bar Harbor Bank & Trust that provides banking and nonbanking products and services primarily to consumers and businesses. The company offers deposit products, including interest-bearing and non-interest-bearing demand accounts, savings accounts, time deposits, and money market deposit accounts, as well as certificates of deposit. It also provides commercial construction loans, such as raw land, land development, and construction of commercial and multifamily residential properties; commercial real estate owner occupied and non-owner occupied loans; tax exempt loans to various state and municipal government entities; commercial and industrial loans, including loans for the purpose of financing working capital and capital investment; residential real estate loans consists of one-to-four family homes; home equity loans; and consumer loans, including personal lines of credit and amortizing loans to qualified individuals for various purposes, such as auto loans, recreational equipment, overdraft protection, and other consumer loans, as well as allowance for credit losses. In addition, the company provides life insurance, annuity, and retirement products; financial planning services; and third-party investment and insurance services. Further, it offers trust and estate administration, wealth advisory, and investment management services to individuals, businesses, not-for-profit organizations, and municipalities; and 401(K) plan, financial, estate and charitable planning, investment management, family office, municipal, and tax services. Bar Harbor Bankshares was founded in 1887 and is headquartered in Bar Harbor, Maine.

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