Bar Harbor Bankshares (BHB)
Banks - Regional · Financial Services · $609M
Intrinsic Value (Consensus)
$39.30
Current Price
$36.40
Margin of Safety
+8%
8% Below Intrinsic Value
Value: $39
Price: $36
Valuation Model Estimates
Current Price: $36.40
DCF (Discounted Cash Flow)
$35.54
Graham Number
$41.85
Earnings Power Value
$30.86
Relative Value (P/E)
$48.94
Dividend Discount Model
$5.40
Consensus Value
$39.30
Model Assumptions
Discount Rate
10.3%
Growth Rate
2.0%
Terminal Growth
2.5%
Risk-Free Rate
4.3%
Discount rate derived from CAPM (risk-free rate + beta × market risk premium). Growth rate based on trailing earnings growth, capped at 20%.
Health Score
C
62
Profitability
15/25
Strength
25/25
Valuation
15/25
Growth
7/25
Financial Health Signals
Low debt — conservative balance sheet
Key Financials
- EPS (TTM)
- $2.45
- EPS (Forward)
- $2.50
- Book Value
- $31.81
- P/E Ratio
- 20.0
- Forward P/E
- 19.6
- PEG Ratio
- —
- ROE
- 6.9%
- Debt/Equity
- 25%
- Revenue Growth
- 3.4%
- Earnings Growth
- 2.0%
- Dividend Yield
- 0.7%
- Beta
- 0.60
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Data last updated: 2026-06-21
Source: Yahoo Finance