Bar Harbor Bankshares (BHB) Fair Value 2026

BHB · Banks - Regional ·

By CirclFi Research Team · Data from SEC EDGAR, FRED & GDELT

Quality Score

7.7 /10

32 fundamental signals · 5 models active

Value Trap Risk

SAFE (21/100)

Quick Summary — As of 2026-08-28, Bar Harbor Bankshares (BHB) trades at $39.40, versus a $28.15 median fair value across its 5 active models — 28.5% below the current price. QOC: 7.7/10. Value Trap Risk: 21/100 (SAFE). 5/13 models active.

Key Facts

Ticker
BHB
Price
$39.40
Quality Score
7.7/10
Value Trap Risk
21/100
Models Active
5/13
Last Updated
Strength: 5 independent models provide multi-angle coverage
Risk: Majority of models suggest overvaluation

Is Bar Harbor Bankshares (BHB) Undervalued or Overvalued in 2026?

According to CirclFi’s 5-model valuation engine, Bar Harbor Bankshares (BHB) appears overvalued as of : the median of 5 independent fair value estimates is $28.15, 28.5% below the current price of $39.40. Estimates range from $19.56 to $58.17. BHB scores 7.7/10 on fundamental quality and 21/100 on value-trap risk.

For context, the median US equity CirclFi rates trades at an implied -23.4% versus its own 13-model consensus, across 3,809 rated companies as of 2026-08-28. BHB’s -28.5% gap is wider than that market norm, and the Banks - Regional sector median is -22.5%. Full market index →

This verdict compares price to intrinsic value only — it is not a buy or sell rating. For the decision case (bull vs bear arguments, risk factors, peers), read Should You Buy Bar Harbor Bankshares Stock in 2026? →

What Fair Value Does Each Model Give BHB?

5 Intrinsic Value Models vs. Current Price ($39.40)

Core Models (Unlocked)
Model Fair Value Upside
Ensemble · Low Conviction
 $28.15 -28.5%
Intrinsic · High Conviction
 $19.56 -50.4%
Unlock the Full Matrix

Access 3 additional models including ML-RIV, Regime Cross-Sectional, and more.

$1.30 / day

Billed monthly ($39/mo) or annually ($299/yr)

Unlock All 5 Models →

Cancel anytime · No contracts · Instant access

What Is BHB's Fair Value Range?

Spread across 5 independent models · $19.56 to $58.17

CirclFi's 5 active models place Bar Harbor Bankshares (BHB) between $19.56 and $58.17 per share, a spread of 137% of the median. The median of that range — $28.15 — is the fair value CirclFi publishes for BHB, against a current price of $39.40.

Low · Markov DDMHigh · Regime Cross
$19.56median $28.15$58.17
Where the range comes from
Most bearish modelMarkov DDM$19.56
Most bullish modelRegime Cross-Sectional$58.17
Model agreement1 bullish · 4 bearishwide

A band this wide is itself the finding. When independent methods land far apart, they are reading a business whose value depends heavily on which lens you apply — volatile earnings, heavy reinvestment, or an asset base that cash-flow and asset-based methods score differently. That disagreement is information: it says the choice of method matters more than usual for BHB. Treat the median as one reading among several and compare the individual models below before acting.

Every figure above is one model's standalone output on BHB, not a CirclFi price target. How each model works →

What Is Bar Harbor Bankshares (BHB) Worth in 2026?

According to the CirclFi Deep Alpha Valuation Engine, Bar Harbor Bankshares's intrinsic value is estimated at $28.15. Trading at its current price of $39.40, the valuation engine raises significant caution: 4 of 5 models flag downside risk, projecting a median implied return of -28.5%. The most optimistic model, Regime Cross, places fair value at $58.17 (+47.6%), while Markov DDM — the most conservative — estimates $19.56 (-50.4%). This +98.0% gap reflects genuine analytical uncertainty about Bar Harbor Bankshares's intrinsic worth.

What Do the Models Say About BHB?

5 of 13 models are currently active for BHB. Of these, 1 model suggests upside while 4 models suggest overvaluation. Taken together, their median fair value for BHB is $28.15 — the figure CirclFi publishes as this stock's fair value. See which stocks rank higher →

How Does BHB Rank in Banks - Regional?

Among 352 Banks - Regional stocks, BHB ranks #237 by Quality of Company score. CirclFi's QOC score of 7.7/10 evaluates 32 fundamental signals. A score of 7.7 indicates above-average quality.

See all Most Undervalued Banks - Regional Stocks →

The Banks - Regional sector introduces analytical considerations specific to banking businesses. For Bar Harbor Bankshares, metrics like cost-to-income ratio provide important context that general-purpose valuation models may underweight.

Is BHB a Value Trap?

CirclFi's Value Trap algorithm assigns BHB a score of 21/100 (SAFE). This indicates minimal risk. Fundamentals are healthy. The score cross-references apparent undervaluation against fundamental deterioration signals. Browse lowest value-trap stocks →

Multi-Model Methodology

5 of 13 models are active for Bar Harbor Bankshares. Limited activation may indicate insufficient history. Each model applies a fundamentally different valuation philosophy. See the complete methodology →

According to the CirclFi Quality of Company (QOC) framework, Bar Harbor Bankshares earns a quality score of 7.7/10. This robust rating reflects the company's standing across 32 fundamental signals spanning profitability, growth consistency, balance sheet strength, and capital allocation efficiency.

The gap between the most bullish and bearish model spans +98.0% — demonstrating why single-model analysis is dangerous. Browse all stocks with 13-model coverage →

Data Sources & Confidence

Every BHB valuation is built from SEC EDGAR XBRL filings — 700+ standardized financial tags. Macroeconomic context from FRED calibrates discount rates, while GDELT news sentiment feeds into our Sentiment SOTP model. All pipelines run daily. Read the complete data methodology →

Across BHB's 5 active models, average confidence is 36%. Lower confidence may reflect limited history or high volatility.

CirclFi's output is a research starting point, not a buy/sell signal. All data updates daily. Read the full methodology →

This analysis is produced by the CirclFi Valuation Engine using quantitative models applied to SEC EDGAR filings, public market feeds, and FRED macroeconomic indicators. It is not financial advice.

Read the full investment analysis: Should You Buy Bar Harbor Bankshares Stock in 2026? →

Bull case, bear case, risk factors & peer comparison — updated daily

Which Similar Banks - Regional Stocks Should You Also Analyze?

11 related Banks - Regional stocks with 13-model coverage

VBNKVersaBankQOC 7.7BOKFBOK Financial CorporationQOC 7.7CZWICitizens Community Bancorp, Inc.QOC 7.7EFSIEagle Financial Services, Inc.QOC 7.7FMNBFarmers National Banc Corp.QOC 7.7BOHBank of Hawaii CorporationQOC 7.7KBKB Financial Group Inc.QOC 6.4HBTHBT Financial, Inc.QOC 8.5UNBUnion Bankshares, Inc.QOC 8.1STBAS&T Bancorp, Inc.QOC 9.3ESQEsquire Financial Holdings, Inc.QOC 9.1

Read investment analysis: VBNK · BOKF · CZWI · EFSI · FMNB · BOH · KB · HBT · UNB · STBA · ESQ

Which Other Stocks Have a Similar Quality Score to BHB?

7 companies across all industries closest to BHB’s Quality of Company score of 7.7/10.

BHFBrighthouse Financial, Inc.QOC 7.7IXORIX CorporationQOC 7.7VPGVishay Precision Group, Inc.QOC 7.7REZIResideo Technologies, Inc.QOC 7.7TNLTravel + Leisure Co.QOC 7.7DSXDiana Shipping Inc.QOC 7.7NVDANVIDIA CorporationQOC 10.0

Read investment analysis: BHF · IX · VPG · REZI · TNL · DSX · NVDA

Where Does BHB Sit in CirclFi's Banks - Regional Rankings?

BHB is ranked against every other Banks - Regional stock CirclFi covers in each of these screens.

See all Banks - Regional stocks ranked →

What Else Do Investors Ask About Bar Harbor Bankshares’s Valuation?

What is Bar Harbor Bankshares's intrinsic value in 2026?

CirclFi puts Bar Harbor Bankshares (BHB)'s intrinsic value at $28.15 — the median of 5 independent model estimates as of 2026-08-28, ranging from $19.56 to $58.17. The Quality of Company score is 7.7/10 across 32 fundamental signals. All models use SEC EDGAR filings updated daily. See our methodology page for how each model works.

Is BHB overvalued or undervalued right now?

At $39.40, 1 of 5 active models suggest BHB may be undervalued, while 4 indicate potential overvaluation. The median of all 5 fair value estimates is $28.15, 28.5% below the current price of $39.40 — a consensus view that BHB is overvalued. The assessment depends on which methodology best fits Bar Harbor Bankshares's business model in Banks - Regional.

What does a Quality of Company score of 7.7 mean for BHB?

Bar Harbor Bankshares's QOC of 7.7/10 reflects 32 fundamental signals: profitability margins, revenue growth consistency, balance sheet leverage, free cash flow generation, and capital allocation efficiency. Scores above 7 indicate strong fundamentals and disciplined management.

How many valuation models does CirclFi run on BHB?

CirclFi analyzes BHB with 13 institutional-grade models daily: Bayesian DCF (Monte Carlo + jump-diffusion), EPV (Greenwald zero-growth), EROIC Spread (McKinsey reinvestment), First Chicago (3-scenario), Markov DDM (regime-switching), ML-RIV (machine learning residual income), Dynamic NAV (asset-based), PWERM (option-theoretic), Regime Cross-Sectional (relative), Sentiment SOTP (hybrid), CUCE Ensemble (meta-model), FTNN Topology (neural network), and RCMH-DCF (conditional regime). Currently 5 of 13 are active for this stock. Read the full methodology →

Which valuation models are most bullish and most bearish on BHB?

Of the 5 models currently active on BHB, Regime Cross-Sectional is the most bullish at $58.17 per share, and Markov DDM is the most bearish at $19.56. CirclFi's published fair value for BHB is the median of that range, $28.15, not either extreme. The gap between the two ends equals 137% of the median — a wide spread, meaning the methods genuinely disagree and the median should carry less weight. Browse stocks by value-trap risk →

Is BHB a value trap in 2026?

Bar Harbor Bankshares's Value Trap score is 21/100 (SAFE). This low score indicates the current valuation is not artificially depressed by fundamental deterioration, suggesting genuine opportunity rather than a trap.

Cite this analysis — “According to CirclFi’s 5-model valuation engine, Bar Harbor Bankshares (BHB) has a median fair value of $28.15 — 28.5% below the current price of $39.40 — as of 2026-08-28.” Source: circlfi.com/stock/BHB/ · Methodology
Primary sources for this BHB valuation
  • Financial statements: Bar Harbor Bankshares 10-K and 10-Q filings on SEC EDGAR (CIK 0000743367) — 700+ standardized XBRL tags, published by the U.S. Securities and Exchange Commission.
  • Discount-rate inputs: FRED, Federal Reserve Bank of St. Louis — risk-free rates, VIX, yield curve, inflation.
  • News sentiment: The GDELT Project — global media tone, input to the Sentiment SOTP model.
  • Model definitions: CirclFi methodology — the published specification for all 13 models, including the academic sources each one implements.

Market data for BHB as of ; valuations recomputed .

You’ve done the research. Don’t stop at half the picture.

Stop collecting opinions. Let 5 mathematical frameworks give you clarity on BHB.

Unlock All 5 Fair Values — $39/mo

Cancel anytime · Less than a cup of coffee · Instant access

3 models hidden for BHB Unlock All 5 — $39/mo