ScoreComparison
Company
Score
Quality
Valuation
Financial
Technical
Why is Bar Harbor Bankshares ?
Unrated Stock - No Analysis Available
Real-Time Research ReportHow much should you hold?
- Overall Portfolio exposure to Bar Harbor Bankshares should be less than 10%
- Overall Portfolio exposure to Regional Banks should be less than 30%
(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Regional Banks)
When to exit? - We will constantly monitor the company and suggest at the appropriate time to exit from the stock
No Data Found
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
7.60%
EBIT Growth (5y)
3.52%
EBIT to Interest (avg)
0
Debt to EBITDA (avg)
0
Net Debt to Equity (avg)
0
Sales to Capital Employed (avg)
0
Tax Ratio
0
Dividend Payout Ratio
41.49%
Pledged Shares
0
Institutional Holding
61.26%
ROCE (avg)
0
ROE (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
11
Industry P/E
Price to Book Value
1.05
EV to EBIT
12.94
EV to EBITDA
11.68
EV to Capital Employed
1.04
EV to Sales
3.22
PEG Ratio
3.38
Dividend Yield
2.91%
ROCE (Latest)
8.01%
ROE (Latest)
9.34%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Bearish
Mildly Bearish
RSI
No Signal
No Signal
Bollinger Bands
Sideways
Bullish
Moving Averages
Mildly Bearish (Daily)
KST
Bearish
Mildly Bearish
Dow Theory
Mildly Bullish
No Trend
OBV
Mildly Bearish
Mildly Bearish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend10What is working for the Company
OPERATING CASH FLOW(Y)
Highest at USD 53.7 MM
DIVIDEND PER SHARE(HY)
Highest at USD 0
NII(Q)
Highest at USD 29.89 MM
DIVIDEND PAYOUT RATIO(Y)
Highest at 80.75%
NET SALES(Q)
Highest at USD 48.69 MM
-13What is not working for the Company
GROSS NPA (%)
(Q
OPERATING PROFIT(Q)
Lowest at USD 12.42 MM
OPERATING PROFIT MARGIN(Q)
Lowest at 25.51 %
PRE-TAX PROFIT(Q)
Lowest at USD 7.47 MM
NET PROFIT(Q)
Lowest at USD 6.09 MM
EPS(Q)
Lowest at USD 0.4
Here's what is working for Bar Harbor Bankshares
NII
Highest at USD 29.89 MM
in the last five periodsMOJO Watch
The bank's income from core business is increasing
NII (USD MM)
Dividend per share
Highest at USD 0 and Grown
In each year in the last five yearsMOJO Watch
Company is distributing higher dividend from profits generated
DPS (USD)
Operating Cash Flow
Highest at USD 53.7 MM
in the last three yearsMOJO Watch
The company has generated higher cash revenues from business operations
Operating Cash Flows (USD MM)
Net Sales
Highest at USD 48.69 MM
in the last five periodsMOJO Watch
Near term sales trend is positive
Net Sales (USD MM)
Dividend Payout Ratio
Highest at 80.75%
in the last five yearsMOJO Watch
Company is distributing higher proportion of profits generated as dividend
DPR (%)
CASA
Highest at 12.34%
in the last five periodsMOJO Watch
The Bank's capital base vs its risk assets is improving. However, the bank may not be taking adequate risk in its lending book.
CAR (%)
Here's what is not working for Bar Harbor Bankshares
Pre-Tax Profit
At USD 7.47 MM has Fallen at -43.2%
over average net sales of the previous four periods of USD 13.16 MMMOJO Watch
Near term Pre-Tax Profit trend is very negative
Pre-Tax Profit (USD MM)
Net Profit
At USD 6.09 MM has Fallen at -44.19%
over average net sales of the previous four periods of USD 10.91 MMMOJO Watch
Near term Net Profit trend is very negative
Net Profit (USD MM)
Non Performing Loans (%)
Highest at 0.31%
in the last four Semi-Annual periodsMOJO Watch
Proportion of stressed loans given by the bank are increasing
Non Performing Loans (%)
Operating Profit
Lowest at USD 12.42 MM
in the last five periodsMOJO Watch
Near term Operating Profit trend is negative
Operating Profit (USD MM)
Operating Profit Margin
Lowest at 25.51 %
in the last five periodsMOJO Watch
Company's profit margin has deteriorated
Operating Profit to Sales
Pre-Tax Profit
Lowest at USD 7.47 MM
in the last five periodsMOJO Watch
Near term Pre-Tax Profit trend is negative
Pre-Tax Profit (USD MM)
Net Profit
Lowest at USD 6.09 MM
in the last five periodsMOJO Watch
Near term Net Profit trend is negative
Net Profit (USD MM)
EPS
Lowest at USD 0.4
in the last five periodsMOJO Watch
Declining profitability; company has created lower earnings for shareholders
EPS (USD)
InfinHub Market Technologies FZ-LLC, Building-2, Unit 112, Dubai Internet City, Dubai, United Arab Emirates
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