BAR Harbor Bankshares vs Peoples Financial Services
BAR Harbor Bankshares and Peoples Financial Services are similar in size: $169m and $188m of revenue in their latest fiscal years. Peoples Financial Services grew faster (39.7% against 12.1%). Peoples Financial Services kept more of each dollar of sales as profit: a net margin of 31.5% against 21.9%.
| Latest fiscal year | BAR Harbor BanksharesBHB, 2025 | Peoples Financial ServicesPFIS, 2025 |
|---|---|---|
| Revenue | $169m | $188m |
| Revenue growth | 12.1% | 39.7% |
| Net income | $36.9m | $59.2m |
| Operating margin | — | — |
| Net margin | 21.9% | 31.5% |
| Return on equity | 7.5% | 12.0% |
| Free cash flow | $43.5m | $43.3m |
| Cash | $80.8m | $269m |
| Total debt | $270m | $32.7m |
| Debt to equity | — | — |
| Dividend per share | $1.26 | $2.47 |
| Dividend yield | 3.1% | 3.3% |
| Share buybacks | — | — |
| Employees | 530 | 547 |
| Market value | $694m | $750m |
| Price vs our value range | — | — |
| Moat score | 66 (Moderate) | 61 (Moderate) |
| Insider trades, 12 months | 0 buys, 0 sales | 0 buys, 0 sales |