Bar Harbor Bankshares, Inc. (BHB) vs Peoples Financial Services Corp. (PFIS)

Bar Harbor Bankshares, Inc. and Peoples Financial Services Corp. are both Banks Regional companies. Bar Harbor Bankshares, Inc. and Peoples Financial Services Corp. are of similar size ($681.2M and $638.6M). Peoples Financial Services Corp. trades at the lower P/E: 12.0× against 12.9×. Bar Harbor Bankshares, Inc. grew revenue faster over the last twelve months: 18.9% against 0.46%. Peoples Financial Services Corp. has the higher net margin (19.8% vs 18.5%) and the higher return on invested capital (8.38% vs 5.35%). Both pay a dividend; Peoples Financial Services Corp. yields more (3.65% vs 3.45%). Across the 19 metrics below, Peoples Financial Services Corp. leads on 12 and Bar Harbor Bankshares, Inc. on 7.

Valuation

Metric BHB PFIS Banks Regional median
P/E 12.87 12.03 11.98
P/S 2.39 2.38 2.34
P/B 1.16 1.28 1.19
Price to free cash flow 11.12 13.79 10.63
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 7.77% 8.31% 8.23%
Free cash flow yield 9.00% 7.25% 9.08%

Profitability

Metric BHB PFIS Banks Regional median
Gross margin 72.30% 68.05% 69.55%
Operating margin 0.00% 0.00% 0.00%
Net margin 18.46% 19.78% 18.66%
Free cash flow margin 21.53% 17.28% 21.11%
Return on equity 9.70% 11.02% 10.65%
Return on assets 1.12% 1.08% 1.13%
Return on invested capital 5.35% 8.38% 8.35%

Growth

Metric BHB PFIS Banks Regional median
Revenue growth (TTM) 18.94% 0.46% 6.98%
EPS growth (last fiscal year) (18.66%) 493.94% 18.88%
Revenue growth, 5-year CAGR 7.61% 20.50% 12.38%
Net income growth, 5-year CAGR 2.12% 15.06% 9.71%

Health

Metric BHB PFIS Banks Regional median
Debt to equity 0.51 0.46 0.22
Current ratio 0.96 0.99 0.94
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric BHB PFIS Banks Regional median
Dividend yield 3.45% 3.65% 2.57%
Payout ratio 0.45 0.44 0.30

Size

Metric BHB PFIS Banks Regional median
Market cap 638.62m 681.20m 913.33m

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