Bar Harbor Bankshares, Inc. (BHB) vs VersaBank (VBNK)

Bar Harbor Bankshares, Inc. and VersaBank are both Banks Regional companies. Bar Harbor Bankshares, Inc. and VersaBank are of similar size ($724.9M and $691.9M). Bar Harbor Bankshares, Inc. trades at the lower P/E: 13.9× against 29.4×. Bar Harbor Bankshares, Inc. grew revenue faster over the last twelve months: 18.9% against 14.5%. Bar Harbor Bankshares, Inc. has the higher net margin (18.5% vs 9.94%) and the lower return on invested capital (5.35% vs 41.3%). Both pay a dividend; Bar Harbor Bankshares, Inc. yields more (3.19% vs 0.32%). Across the 19 metrics below, Bar Harbor Bankshares, Inc. leads on 14 and VersaBank on 5.

Valuation

Metric BHB VBNK Banks Regional median
P/E 13.94 29.45 12.02
P/S 2.59 2.93 2.36
P/B 1.26 1.78 1.23
Price to free cash flow 12.05 102.57 10.60
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 7.17% 3.40% 8.21%
Free cash flow yield 8.30% 0.97% 9.23%

Profitability

Metric BHB VBNK Banks Regional median
Gross margin 72.30% 43.56% 69.81%
Operating margin 0.00% 0.00% 0.00%
Net margin 18.46% 9.94% 18.82%
Free cash flow margin 21.53% 2.86% 17.97%
Return on equity 9.70% 6.20% 10.28%
Return on assets 1.12% 0.55% 1.13%
Return on invested capital 5.35% 41.26% 8.45%

Growth

Metric BHB VBNK Banks Regional median
Revenue growth (TTM) 18.94% 14.54% 6.37%
EPS growth (last fiscal year) (18.66%) (41.28%) 18.85%
Revenue growth, 5-year CAGR 7.61% 27.64% 12.65%
Net income growth, 5-year CAGR 2.12% 9.64% 9.81%

Health

Metric BHB VBNK Banks Regional median
Debt to equity 0.51 0.00 0.17
Current ratio 0.96 1.11 0.93
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric BHB VBNK Banks Regional median
Dividend yield 3.19% 0.32% 2.49%
Payout ratio 0.45 0.09 0.29

Size

Metric BHB VBNK Banks Regional median
Market cap 691.93m 724.91m 934.85m

Compare with another peer

Any metric, up to five companies and an Excel export Powerpack