Bar Harbor Bankshares, Inc. (BHB) Fair Value 2026

BHB · State Commercial Banks ·

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

Quality Score

8.3 /10

32 fundamental signals · 12 models active

Value Trap Risk

SAFE (15/100)

Quick Summary — As of 2026-07-14, Bar Harbor Bankshares, Inc. (BHB) trades at $37.34, approximately 31% below CirclFi’s Bayesian DCF fair value of $53.75. QOC: 8.3/10. Value Trap Risk: 15/100 (SAFE). 12/13 models active.

Key Facts

Ticker
BHB
Price
$37.34
Quality Score
8.3/10
Value Trap Risk
15/100
Models Active
12/13
Last Updated
Strength: Bayesian DCF suggests +43.9% upside with 60% confidence
Risk: Majority of models suggest overvaluation

Valuation Matrix

12 Intrinsic Value Models vs. Current Price ($37.34)

Core Models (Unlocked)
Model Fair Value Upside
Bayesian DCF
High Conviction
 $53.75 +43.9%
Earnings Power Value
High Conviction
 $22.29 -40.3%
CUCE Ensemble
Low Conviction
 $35.69 -4.4%
First Chicago
High Conviction
 $33.74 -9.6%

Unlock the Full Matrix

Access 8 additional models including EROIC Spread, Markov DDM, and more.

$1.30 / day

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

Unlock All 12 Models →

Cancel anytime · No contracts · Instant access

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

According to the CirclFi Deep Alpha Valuation Engine, Bar Harbor Bankshares, Inc.'s intrinsic value is estimated at a composite fair value of $41.30. Trading at $37.34, the stock is approaching fair value or slight overvaluation (implied return of +10.6%), as 7 of 12 models suggest limited further upside. The most optimistic model, ML-RIV, places fair value at $120.81 (+223.5%), while EROIC — the most conservative — estimates $16.80 (-55.0%). This +278.5% gap reflects genuine analytical uncertainty about Bar Harbor Bankshares, Inc.'s intrinsic worth.

What Do the Models Say About BHB?

12 of 13 models are currently active for BHB. Of these, 4 models suggest upside while 8 models suggest overvaluation. The Bayesian DCF estimates BHB's intrinsic value at $53.75, implying +43.9% upside from the current price. See which stocks rank higher →

How Does BHB Rank in State Commercial Banks?

Among 172 State Commercial Banks stocks, BHB ranks #74 by Quality of Company score. CirclFi's QOC score of 8.3/10 evaluates 32 fundamental signals. A score of 8.3 places BHB in the top tier.

See all Most Undervalued State Commercial Banks Stocks →

The State Commercial Banks sector introduces analytical considerations specific to banking businesses. For Bar Harbor Bankshares, Inc., 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 15/100 (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

12 of 13 models are active for Bar Harbor Bankshares, Inc.. Broad coverage provides high confidence. Each model applies a fundamentally different valuation philosophy. See the complete methodology →

According to the CirclFi Quality of Company (QOC) framework, Bar Harbor Bankshares, Inc. earns a quality score of 8.3/10. 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 +278.5% — 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 12 active models, average confidence is 44%. 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, Inc. Stock in 2026? →

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

Which Similar State Commercial Banks Stocks Should You Also Analyze?

8 related State Commercial Banks stocks with 13-model coverage

BSVNBank7 Corp.QOC 10.0OFGOFG BancorpQOC 9.8CZNCCitizens & Northern CorpQOC 9.7NPBNorthpointe Bancshares, Inc.QOC 9.6UNTYUnity Bancorp, Inc.QOC 9.4OBTOrange County Bancorp, Inc.QOC 9.3BFSTBusiness First Bancshares, Inc.QOC 9.2OVLYOak Valley Bancorp (CA)QOC 9.2

Read investment analysis: BSVN · OFG · CZNC · NPB · UNTY

See all State Commercial Banks stocks ranked →

Frequently Asked Questions About Bar Harbor Bankshares, Inc.

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

Based on CirclFi's 13-model analysis, Bar Harbor Bankshares, Inc. (BHB) has multiple fair value estimates. The Bayesian DCF model runs 10,000 Monte Carlo simulations with jump-diffusion to estimate intrinsic value at $53.75. The Quality of Company score is 8.3/10 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 $37.34, 4 of 12 active models suggest BHB may be undervalued, while 8 indicate potential overvaluation. The assessment depends on which methodology best fits Bar Harbor Bankshares, Inc.'s business model in State Commercial Banks.

What does a Quality of Company score of 8.3 mean for BHB?

Bar Harbor Bankshares, Inc.'s QOC of 8.3/10 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 12 of 13 are active for this stock. Read the full methodology →

Is BHB a value trap in 2026?

Bar Harbor Bankshares, Inc.'s Value Trap score is 15/100 (SAFE). This low score indicates the current valuation is not artificially depressed by fundamental deterioration, suggesting genuine opportunity rather than a trap. Browse stocks by value-trap risk →

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

Stop collecting opinions. Let 12 mathematical frameworks give you clarity on BHB.

Unlock All 12 Fair Values — $39/mo

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