Profitability
Weight: 25%
C-
49
Scored using ROA (NIM proxy) — financial-archetype substitution.
- 5yr Avg ROA 0.9%
- Operating Margin Trend -3.60 pp/yr
BHB
Bar Harbor Bankshares
AlphaQuality composite grade, weighted for banks, insurers & asset managers businesses.
Capital Efficiency
Weight: 20%
C
56
Scored using ROTCE — financial-archetype substitution.
- 5yr Avg ROTCE 11.1%
- 5yr Share-Count CAGR 2.7%
Growth Quality
Weight: 10%
B
70
Scored using BVPS — financial-archetype substitution.
- 5yr BVPS CAGR 14.9%
- 5yr EPS CAGR -3.1%
- Positive-EPS Years (5) 5/5
Cash Generation
Weight: 5%
A+
99
Scored using OCF/NI — banks have no FCF concept.
- 5yr OCF/NI 1.27x
Balance Sheet
Weight: 30%
C+
61
Scored using Equity/Assets — financial-archetype substitution.
- Equity / Assets 11.4%
- Interest Coverage (EBIT/Int) 0.62x
Stability
Weight: 10%
C
57
- EPS Volatility (σ/μ) 0.25
- Piotroski F-Score 4
- Negative-Revenue Years (5) 2/5
Guru Flow
Curated superinvestor sentiment — not part of the AlphaQuality grade.2 of 2 gurus held; 2 added.
- Holders
- 2
- Avg Δ position
- +222.1%
- New buys
- 0
- Full exits
- 0