Bar Harbor Bankshares, Inc. (BHB) vs Hingham Institution for Savings (HIFS)

Bar Harbor Bankshares, Inc. and Hingham Institution for Savings are both Banks Regional companies. Bar Harbor Bankshares, Inc. and Hingham Institution for Savings are of similar size ($666.1M and $648.0M). Hingham Institution for Savings trades at the lower P/E: 11.9× against 13.1×. Bar Harbor Bankshares, Inc. grew revenue faster over the last twelve months: 18.9% against 8.32%. Hingham Institution for Savings has the higher net margin (23.6% vs 18.5%) and the lower return on invested capital (2.41% vs 5.35%). Both pay a dividend; Bar Harbor Bankshares, Inc. yields more (4.60% vs 1.56%). Across the 20 metrics below, Bar Harbor Bankshares, Inc. leads on 12 and Hingham Institution for Savings on 8.

Valuation

Metric BHB HIFS Banks Regional median
P/E 13.12 11.90 12.15
P/S 2.44 2.82 2.37
P/B 1.19 1.29 1.21
Price to free cash flow 11.33 19.66 10.80
EV/EBITDA n/m n/m —
EV/Sales 3.10 8.83 2.27
Earnings yield 7.62% 8.40% 8.11%
Free cash flow yield 8.82% 5.09% 8.98%

Profitability

Metric BHB HIFS Banks Regional median
Gross margin 72.30% 46.01% 69.57%
Operating margin 0.00% 0.00% 0.00%
Net margin 18.46% 23.61% 18.66%
Free cash flow margin 21.53% 14.35% 21.18%
Return on equity 9.70% 11.54% 10.64%
Return on assets 1.12% 1.21% 1.13%
Return on invested capital 5.35% 2.41% 8.33%

Growth

Metric BHB HIFS Banks Regional median
Revenue growth (TTM) 18.94% 8.32% 6.61%
EPS growth (last fiscal year) (18.66%) 6.91% —
Revenue growth, 5-year CAGR 7.61% 13.43% 12.30%
Net income growth, 5-year CAGR 2.12% (6.25%) 9.71%

Health

Metric BHB HIFS Banks Regional median
Debt to equity 0.51 2.77 0.22
Current ratio 0.96 1.50 0.94
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric BHB HIFS Banks Regional median
Dividend yield 4.60% 1.56% 3.75%
Payout ratio 0.34 0.14 0.27

Size

Metric BHB HIFS Banks Regional median
Market cap 666.12m 647.95m 921.07m

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