Bar Harbor Bankshares Inc

10-Year Study

BHB.US · Financial Services · US · Common Stock

Executive Summary: Bar Harbor Bankshares Inc has compounded at 8.1% annually over the last 10 years, with a maximum drawdown of 42.7% and an annualized volatility of 29.9%.

1Y CAGR
+23.8%
3Y CAGR
+18.1%
5Y CAGR
+6.4%
10Y CAGR
+8.1%

History & Riski10-year historical performance analysis including CAGR, Max Drawdown, Sharpe & Sortino ratios, annual returns, and rolling volatility — all computed from daily market data.

10-Year Growth of $10,000

Max DrawdownMax DrawdownThe largest peak-to-trough decline in the asset's value over the measurement period.Click for full definition →
42.7%
Sharpe RatioSharpe RatioRisk-adjusted return: how much excess return you earn per unit of total risk (volatility).Click for full definition →
0.28
Sortino RatioSortino RatioLike Sharpe, but only penalizes downside volatility — a more accurate risk measure for asymmetric return distributions.Click for full definition →
0.57
Ann. VolatilityAnnualized VolatilityThe annualized standard deviation of an asset's returns — a measure of how much prices fluctuate.Click for full definition →
27.6%
Best YearBest & Worst YearThe single calendar year with the highest and lowest return in the measured period.Click for full definition →
2021 · +32.3%
Worst YearBest & Worst YearThe single calendar year with the highest and lowest return in the measured period.Click for full definition →
2018 · -14.6%
% Positive Years% Positive YearsThe percentage of calendar years in the measurement period where the asset delivered a positive return.Click for full definition →
60%

Annual Returns

Rolling 12-Month Returns

Rolling 12-Month Annualised Volatility

Historical Drawdowns

Monthly Returns

Monthly Returns Heatmap

YearJanFebMarAprMayJunJulAugSepOctNovDecAnn.
20269.2-4.00.65.7————————11.5%
20253.62.3-8.20.5-0.93.0-3.112.2-5.6-3.72.94.15.7%
2024-10.4-3.05.0-5.36.02.318.91.4-3.84.212.9-15.08.6%
2023-3.0-3.0-11.4-6.2-3.54.310.8-8.1-4.95.94.913.1-4.5%
20225.6-5.1-0.5-8.85.4-5.112.0-1.4-6.413.21.75.814.8%
2021-4.831.35.1-2.67.1-6.00.1-3.52.45.9-3.11.332.3%
2020-13.4-6.3-15.46.48.713.5-11.23.01.4-0.613.9-2.0-7.2%
20196.78.80.21.6-9.312.5-4.5-12.213.00.53.2-1.017.2%
20183.8-2.72.35.43.80.5-4.42.3-2.5-11.01.4-12.8-14.6%
2017-8.5-1.016.5-6.9-5.76.8-9.5-5.219.4-3.6-5.1-5.2-12.1%
2016———4.5-2.14.24.51.1-0.2-1.022.27.445.9%

Risk X-RayiA 19-factor macroeconomic risk decomposition showing exactly which market forces (equity beta, rates, inflation, credit, commodity, crypto) drive this asset's volatility. Powered by multivariate regression against daily factor returns.

Risk Profile Insight: This asset has an estimated annualized volatility of 29.9%. The dominant macroeconomic risk driver is IJR.US, accounting for 42.0% of variance. Idiosyncratic stock-specific factors contribute 20.8%.

10-Year Historical Price Series (Growth of $10,000)
DateSimulated Value
2016-03-0110000
2016-04-0110445.469203482748
2016-05-0110229.538858432763
2016-06-0110657.658819735569
2016-07-0111137.375040309576
2016-08-0111260.81909061593
2016-09-0111236.375362786197
2016-10-0111123.121573685909
2016-11-0113586.907449209933
2016-12-0114591.938084488873
2017-01-0113358.787487907126
2017-02-0113224.443727829732
2017-03-0115400.064495324088
2017-04-0114333.956788132858
2017-05-0113523.57304095453
2017-06-0114437.020316027087
2017-07-0113064.495324089003
2017-08-0112389.100290228957
2017-09-0114795.227346017415
2017-10-0114262.108997097708
2017-11-0113537.504030957754
2017-12-0112829.732344405029
2018-01-0113314.221218961624
2018-02-0112959.561431796195
2018-03-0113256.046436633344
2018-04-0113973.363431151241
2018-05-0114509.190583682683
2018-06-0114581.425346662367
2018-07-0113945.952918413415
2018-08-0114273.524669461463
2018-09-0113919.703321509189
2018-10-0112393.034504998386
2018-11-0112567.623347307319
2018-12-0110955.756207674942
2019-01-0111688.423089326023
2019-02-0112713.640761044822
2019-03-0112738.277974846822
2019-04-0112940.148339245405
2019-05-0111730.925507900678
2019-06-0113200.451467268624
2019-07-0112604.708158658497
2019-08-0111062.68945501451
2019-09-0112496.291518864882
2019-10-0112556.401160915831
2019-11-0112962.52821670429
2019-12-0112836.117381489843
2020-01-0111122.283134472751
2020-02-0110422.702354079327
2020-03-018819.99355046759
2020-04-019381.489841986455
2020-05-0110196.452757175106
2020-06-0111577.039664624313
2020-07-0110279.200257981296
2020-08-0110584.908094163173
2020-09-0110736.407610448243
2020-10-0110668.49403418252
2020-11-0112150.403095775557
2020-12-0111907.965172524993
2021-01-0111338.664946791358
2021-02-0114884.230893260237
2021-03-0115644.630764269592
2021-04-0115240.503063527894
2021-05-0116315.833602063849
2021-06-0115340.34182521767
2021-07-0115351.048049016445
2021-08-0114811.544663011931
2021-09-0115162.915188648822
2021-10-0116054.821025475652
2021-11-0115561.302805546597
2021-12-0115757.368590777167
2022-01-0116634.31151241535
2022-02-0115784.908094163173
2022-03-0115713.576265720734
2022-04-0114335.440180586907
2022-05-0115115.124153498871
2022-06-0114344.147049338922
2022-07-0116069.203482747498
2022-08-0115850.4353434376
2022-09-0114837.729764592066
2022-10-0116790.390196710738
2022-11-0117083.972911963883
2022-12-0118082.876491454368
2023-01-0117535.44018058691
2023-02-0117002.450822315383
2023-03-0115055.7239600129
2023-04-0114116.543050628827
2023-05-0113618.574653337631
2023-06-0114200.644953240891
2023-07-0115739.438890680423
2023-08-0114466.365688487584
2023-09-0113761.68977749113
2023-10-0114571.170590132215
2023-11-0115282.87649145437
2023-12-0117277.845856175427
2024-01-0115482.940986778458
2024-02-0115012.83456949371
2024-03-0115762.850693324732
2024-04-0114929.506610770717
2024-05-0115819.413092550789
2024-06-0116186.778458561752
2024-07-0119245.856175427278
2024-08-0119510.738471460816
2024-09-0118768.26830054821
2024-10-0119565.495001612384
2024-11-0122089.39051918736
2024-12-0118768.9132537891
2025-01-0119444.05030635279
2025-02-0119892.55079006772
2025-03-0118269.977426636568
2025-04-0118356.65914221219
2025-05-0118196.13028055466
2025-06-0118746.726862302483
2025-07-0118171.106094808125
2025-08-0120393.679458239276
2025-09-0119249.79039019671
2025-10-0118535.69816188326
2025-11-0119067.84908094163
2025-12-0119841.083521444692
2026-01-0121668.623024830697
2026-02-0120806.19155111254
2026-03-0120928.732666881653
2026-04-0122128.345694937118
Annual Return Matrix
YearAnnual Return
2017-0.12076570842615197
2018-0.1460650999120271
20190.17163225779865665
2020-0.07230786236835762
20210.32326290533111623
20220.1475822493635346
2023-0.04451894783771737
20240.08629938072290044
20250.05712479210479304
20260.11527909607458176
Total Factor Risk
0.2990834891335324
VTI.US Exposure
-0.14586584599889113
VEA.US Exposure
-0.11397454855635572
VWO.US Exposure
0.022670356678370734
QQQ.US Exposure
0.16862850819811925
VTV.US Exposure
0.3537069452531709
IJR.US Exposure
0.4202914171687631
QUAL.US Exposure
-0.04857813774855294
SHV.US Exposure
0.003092640671469694
TLT.US Exposure
-0.0031510907341411954
LQD.US Exposure
-0.004939907887216488
HYG.US Exposure
0.01683072524690181
GLD.US Exposure
0.001666533230912988
USO.US Exposure
0.009014485964126814
VNQ.US Exposure
-0.033428514101779924
BTC-USD.CC Exposure
-0.0053946686198018835
CPER.US Exposure
-0.0004660782903532499
VIX.INDX Exposure
0.04288549752795521
UUP.US Exposure
0.0945640244668284
TIP.US Exposure
0.01478901540632818
Idiosyncratic Exposure
0.20765864212414534
Value Score
44.3
Growth Score
50
Profit Score
37.5
Health Score
23.6
Yield Score
46
Moat Score
40

Factor Risk Decomposition

Share of annualised volatility attributable to each macro factor.

Total Est. Vol
29.9%

FundamentalsiCompany financial health metrics: P/E valuation, dividend yield, Piotroski F-Score (9-point profitability signal), Altman Z-Score (bankruptcy risk proxy), and a radar chart across 6 fundamental dimensions. Note: ETFs may show N/A for some metrics.

Fundamental Dimensions

Core Valuation

P/E Ratio (TTM)P/E RatioPrice-to-Earnings ratio — the market price of a stock divided by its earnings per share, a key valuation measure.Click for full definition →14.3x
Dividend YieldDividend YieldAnnual dividend paid per share divided by the current share price — expressed as a percentage income return.Click for full definition →3.83%
Market Cap$553.8M
Piotroski F-ScorePiotroski F-ScoreA 9-point scoring system evaluating a company's financial strength across profitability, leverage, and operating efficiency.Click for full definition →
9-point profitability signal
0.0/ 9
Weak
Altman Z-ScoreAltman Z-ScoreA bankruptcy prediction model that combines 5 financial ratios into a single score indicating financial distress risk.Click for full definition →
Bankruptcy risk proxy
1.18
Distress Zone
Income Simulation

Based on $10,000 initial investment.

Total Income Generated
$206
Avg Yield on Cost
2.06%
Annual Income Simulation Table
Historical Realised Yields
YearAnnual PayoutYield on CostQuality
2026$206.392.06%Solid

Momentum & MacroiPrice momentum indicators relative to key technical levels: distance from 50-Day SMA (intermediate trend), 200-Day SMA (long-term trend), 52-Week High (bullish proximity), and Beta (market sensitivity coefficient).

vs 50-Day SMAMoving Averages (SMA)A rolling average of an asset's price over a defined window — used to identify trends and momentum signals.Click for full definition →
+3.3%
Above/below 50-day moving average
vs 200-Day SMAMoving Averages (SMA)A rolling average of an asset's price over a defined window — used to identify trends and momentum signals.Click for full definition →
+9.9%
Above/below 200-day moving average
vs 52-Week High52-Week HighThe highest price an asset reached in the past 52 weeks — a key reference for momentum and valuation context.Click for full definition →
2.8% from high
Distance from 52-week high
BetaBetaA measure of an asset's sensitivity to broad market movements relative to a benchmark (e.g. S&P 500).Click for full definition →
0.58
Market sensitivity coefficient

Frequently Asked Questions & Methodology

Is Bar Harbor Bankshares Inc a high-risk investment?

Bar Harbor Bankshares Inc (BHB.US) has an annualized volatility of 29.9% and experienced a maximum drawdown of 42.7% over the last 10 years. Its primary macro risk driver is IJR.US.

What is the 10-year return of BHB.US?

Over the past 10 years, BHB.US has generated a Compound Annual Growth Rate (CAGR) of 8.1%. It has had a positive return in 60% of the years measured.

Data Methodology & Trust

The risk and return information on this page is pre-calculated mathematically using daily market data spanning a 10-year period. Fundamentals (such as P/E Ratio, Market Cap, and Dividend Yield) represent trailing averages and may not immediately reflect real-time live market fluctuations. Advanced scoring models like the Piotroski F-Score and Altman Z-Score are proxies applied to publicly available trailing-twelve-month financial statements and may not account for recent off-balance-sheet events, qualitative company shifts, or sector-specific capital structures. Macroeconomic factor exposures are estimated via multivariate regression against standard market indices. This data is provided for quantitative insight and backtesting research, and should not be misconstrued as tailored financial advice.

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