BHB
Bar Harbor Bankshares Financial Services - Banks - Regional Investor Relations →
Bar Harbor Bankshares (BHB) closed at $40.05 as of 2026-09-18, trading 43.3% above its 200-week moving average of $27.95. The stock is currently moving closer to the line, down from 45.5% last week. The 14-week RSI sits at 65, indicating neutral momentum.
Trading volume is running at 1.4x of its 14-week average, which is in the normal range. The balance between buying and selling volume (0.87 ratio) is neutral — neither side is clearly dominating.
Over the past 1464 weeks of data, BHB has crossed below its 200-week moving average 22 times. On average, these episodes lasted 16 weeks. Historically, investors who bought BHB at the start of these episodes saw an average one-year return of +9.4%.
With a market cap of $671 million, BHB is a small-cap stock. Return on equity stands at 9.7%. The stock trades at 1.2x book value.
Share count has increased 10.7% over three years, indicating dilution.
Over the past 28.2 years, a hypothetical investment of $100 in BHB would have grown to $1191, compared to $1292 for the S&P 500. BHB has returned 9.2% annualized vs 9.5% for the index, underperforming the broader market over this period.
Free cash flow has been declining at a -6.6% compound annual rate. A deteriorating cash flow trend warrants extra scrutiny — the stock may be cheap for a reason.
Business Health
Annual financials — how the underlying business has performed over the past several years.
Cash Flow Free cash flow & net income ($M)
Revenue Annual revenue ($M) — business growth proxy
Total Debt Balance sheet debt ($M)
ROIC Return on invested capital (%)
FCF Yield Free cash flow / market cap (%) — Yartseva signal
Gross Margin Pricing power & competitive moat (%)
Shares Outstanding Buybacks vs dilution (millions)
Growth of $100: BHB vs S&P 500
Monthly data normalized to $100 at start. Vertical dashed lines mark 200-week MA touches.
What Happens After BHB Crosses Below the Line?
Across 22 historical episodes, buying BHB when it crossed below its 200-week moving average produced an average return of +7.4% after 12 months (median +10.0%), compared to +11.5% for the S&P 500 over the same periods. 68% of those episodes were profitable after one year. After 24 months, the average return was +26.2% vs +31.7% for the index.
Each line shows $100 invested at the moment BHB crossed below its 200-week MA. Bold blue = stock average. Gray dashed = S&P 500 average over same periods.
Bean Score Experimental
The Bean Score measures how far a stock's free cash flow yield has deviated from its own quarterly baseline, normalized by the stock's historical behavior. Between earnings dates, FCF is constant — so the score is purely a function of stock price. The levels below show at what prices BHB would reach each dislocation threshold.
Dislocation Price Levels
Prices where BHB's Bean Score would hit each σ threshold. Valid until next earnings report: 2026-10-20.
| Level | σ | Price | Signal |
|---|---|---|---|
| Deep Value | +2σ | $37.17 | Unusually cheap — analysis point |
| Value | +1σ | $38.29 | Cheap vs. own history |
| Fair Value | +0σ | $39.48 | Historical mean behavior |
| Expensive | -1σ | $40.75 | Expensive vs. own history |
| Deep Expensive | -2σ | $42.10 | Unusually expensive — analysis point |
Quarterly FCF & Yield Trailing twelve-month free cash flow and yield at each quarter end
Recent Earnings
| Date | EPS Est. | EPS Actual | Surprise |
|---|---|---|---|
| 2026-07-21 | $0.90 | $0.92 | +2.2% |
| 2026-04-21 | $0.86 | $0.88 | +2.3% |
| 2026-01-22 | $0.88 | $0.93 | +5.7% |
| 2025-10-21 | $0.83 | $0.95 | +14.5% |
Signal Accuracy Collecting Data
The Bean Score system is accumulating weekly data to validate signal accuracy. After 13+ weeks of history, this section will display win rates and average returns for each σ threshold crossing — answering the question: "When this score says cheap or expensive, does the price subsequently move in the expected direction?"
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Theoretical framework — not backtested or forward-tested. The Bean Score uses trailing twelve-month free cash flow yield as a dislocation identifier. It measures whether the market has pushed a stock's yield unusually far from its own baseline behavior. These levels are analysis points: prices at which the yield deviation becomes unusual enough to justify the work. FCF values update quarterly with earnings; between reports, all movement is price-driven.
Dislocation Scores Experimental
Each score measures deviation from BHB's own historical baseline — the same idea as the Bean Score, applied to different fundamentals. Positive means cheaper or more dislocated than this stock's norm. Scores marked σ are normalized by the stock's own variability; pp values are simple deltas from its recent baseline.
Theoretical framework — not backtested. These scores describe how unusual today's readings are for this specific company. Each one is an analysis point, a reason to open the filings. Annual-statement scores (buyback, accruals, FCF vs history) rest on only ~4 yearly data points and are deltas, not sigmas.
Historical Touches
BHB has crossed below its 200-week MA 22 times with an average 1-year return of +9.4% after recovery.
| Crossed Below | Recovered | Weeks | Max Depth | 1-Year Return | Return Since Touch |
|---|---|---|---|---|---|
| Aug 1998 | Nov 2001 | 166 | 37.3% | -6.7% | +1090.7% |
| Nov 2001 | Dec 2001 | 1 | 0.9% | +13.5% | +1157.6% |
| Feb 2002 | Feb 2002 | 3 | 5.3% | +16.8% | +1187.9% |
| Jun 2008 | Jul 2008 | 4 | 11.1% | +22.8% | +548.3% |
| Sep 2008 | May 2009 | 36 | 30.2% | +30.5% | +517.7% |
| Nov 2009 | Nov 2009 | 1 | 1.4% | +3.5% | +497.9% |
| Dec 2009 | Mar 2010 | 10 | 4.1% | +5.7% | +495.9% |
| May 2010 | Aug 2010 | 11 | 8.7% | +10.4% | +490.1% |
| Oct 2010 | Nov 2010 | 1 | 0.5% | +8.9% | +482.7% |
| Oct 2018 | Oct 2018 | 1 | 2.0% | +6.3% | +122.6% |
| Nov 2018 | Feb 2019 | 12 | 10.1% | +11.0% | +123.9% |
| Mar 2019 | Mar 2019 | 3 | 8.3% | -14.7% | +115.9% |
| May 2019 | Jun 2019 | 5 | 7.1% | -19.3% | +112.9% |
| Jul 2019 | Oct 2019 | 15 | 14.1% | -11.9% | +116.9% |
| Dec 2019 | Dec 2019 | 1 | 1.4% | +2.6% | +109.5% |
| Dec 2019 | Nov 2020 | 48 | 41.9% | -4.4% | +111.3% |
| Dec 2020 | Feb 2021 | 8 | 9.4% | +31.2% | +119.5% |
| May 2023 | May 2023 | 4 | 7.2% | +18.3% | +99.9% |
| Jul 2023 | Jul 2023 | 2 | 0.4% | +9.2% | +87.4% |
| Sep 2023 | Oct 2023 | 8 | 2.8% | +30.8% | +88.6% |
| Apr 2024 | Apr 2024 | 1 | 4.3% | +21.0% | +85.1% |
| Jun 2024 | Jun 2024 | 1 | 2.0% | +20.6% | +78.1% |
| Average | 16 | — | +9.4% | — |
Frequently Asked Questions
Is BHB below its 200-week moving average?
No. Bar Harbor Bankshares (BHB) is currently 43.3% above its 200-week moving average of $27.95. It would need to fall to $27.95 to cross below the line.
What is BHB's 200-week moving average price?
Bar Harbor Bankshares's 200-week moving average is $27.95 as of 2026-09-18. This is the average weekly closing price over roughly the last 4 years, and it acts as a long-term trend line. When a stock drops below this level, it can signal that the price has fallen far enough from the long-term trend to attract value-oriented investors.
What happens when BHB drops below its 200-week moving average?
BHB has crossed below its 200-week moving average 22 times in our data. On average, buying at that moment produced a one-year return of +9.4%. These dips have historically been decent entry points. These episodes lasted 16 weeks on average.
Is BHB a good value right now?
Here's what our data says about BHB as of 2026-09-18: The stock is above its 200-week moving average, so it doesn't currently meet our primary signal. The 14-week RSI is 65. Return on equity is 9.7%. Price-to-book is 1.2x. This is not a buy or sell recommendation — always do your own research.
How does BHB compare to the S&P 500?
Over the past 28.2 years, $100 invested in BHB would have grown to $1191, compared to $1292 for the S&P 500. That's 9.2% annualized vs 9.5% for the index. BHB has underperformed the broader market over this period.
Does BHB pay a dividend?
Yes. Bar Harbor Bankshares currently pays a dividend yield of 327.00%.
Not financial advice. This is an educational tool. Past performance does not guarantee future results. Do your own research before making investment decisions.
Data as of week of 2026-09-18