Bar Harbor Bankshares, Inc. (BHB) vs Red River Bancshares, Inc. (RRBI)

Bar Harbor Bankshares, Inc. and Red River Bancshares, Inc. are both Banks Regional companies. Bar Harbor Bankshares, Inc. and Red River Bancshares, Inc. are of similar size ($666.1M and $659.1M). Bar Harbor Bankshares, Inc. trades at the lower P/E: 13.1× against 14.5×. Bar Harbor Bankshares, Inc. grew revenue faster over the last twelve months: 18.9% against 7.09%. Red River Bancshares, Inc. has the higher net margin (26.3% vs 18.5%) and the higher return on invested capital (18.9% vs 5.35%). Both pay a dividend; Bar Harbor Bankshares, Inc. yields more (4.60% vs 0.67%). Across the 20 metrics below, Red River Bancshares, Inc. leads on 11 and Bar Harbor Bankshares, Inc. on 9.

Valuation

Metric BHB RRBI Banks Regional median
P/E 13.12 14.47 12.15
P/S 2.44 3.80 2.37
P/B 1.19 1.73 1.21
Price to free cash flow 11.33 12.80 10.80
EV/EBITDA n/m n/m —
EV/Sales 3.10 2.71 2.27
Earnings yield 7.62% 6.91% 8.11%
Free cash flow yield 8.82% 7.81% 8.98%

Profitability

Metric BHB RRBI Banks Regional median
Gross margin 72.30% 75.26% 69.57%
Operating margin 0.00% 0.00% 0.00%
Net margin 18.46% 26.25% 18.66%
Free cash flow margin 21.53% 29.67% 21.18%
Return on equity 9.70% 12.77% 10.64%
Return on assets 1.12% 1.42% 1.13%
Return on invested capital 5.35% 18.89% 8.33%

Growth

Metric BHB RRBI Banks Regional median
Revenue growth (TTM) 18.94% 7.09% 6.61%
EPS growth (last fiscal year) (18.66%) 28.89% —
Revenue growth, 5-year CAGR 7.61% 11.06% 12.30%
Net income growth, 5-year CAGR 2.12% 8.73% 9.71%

Health

Metric BHB RRBI Banks Regional median
Debt to equity 0.51 0.00 0.22
Current ratio 0.96 0.84 0.94
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric BHB RRBI Banks Regional median
Dividend yield 4.60% 0.67% 3.75%
Payout ratio 0.34 0.06 0.27

Size

Metric BHB RRBI Banks Regional median
Market cap 666.12m 659.07m 921.07m

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