What is BHB's options positioning and volatility profile?

Roarable tracks verified CBOE unusual options sweeps, put/call ratios, and OHLCV realized volatility bands for BHB.

Stock Ratings / Financials / BHB / options

CBNK (74) RRBI (70) MSBI (54) WCCB (60) ⌘ Pro Terminal →

Bar Harbor Bankshares Inc. (BHB) Options Positioning, Max Pain & Unusual Sweeps

$41.43 +2.45% NYSE • Live Quote vs Prior Daily Close (Synced Snapshot) EXT / AFTER-HRS: $41.53

Bar Harbor Bankshares Inc. (BHB) carries a Roarable Rating of C (Hold) with 65/100 RQD Confidence. The composite score sits in the neutral Hold band (59–69), meaning current holders don’t need to panic-sell while prospective buyers can wait for a move into the 70+ Buy zone.

ROARABLE C • HOLD / WATCH Cap $678.0M

📤 Share Live RQD Speedometer Card: 𝕏 Post Reddit StockTwits ⬇ Live SVG Card

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🤖 Mara Quenwick • AI Quant Lead (Click for Instant Brief) Is BHB stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

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As of 2026-11-03, Bar Harbor Bankshares Inc. (NYSE: BHB) is rated C (Hold / HOLD) by Roarable's 5-pillar RQD engine with a composite confidence score of 65/100 at a spot price of $41.43 (+2.45% 1D, market cap $678.0M). Pillar breakdown: Fundamental Cash Engine 12/20, Institutional 13F & Options Flow 13/20, SEC Balance-Sheet Forensics 13/20, FRED Macro Regime Fit 12/20, and Executive Insider Alignment 15/20. Across 1097 tracked Financials issuers, BHB ranks #243 in composite RQD confidence.

✓ Pre-computed one-to-many AI Quant brief

🤖 Ellis Vennor • AI Peer & Flow Quant (Click for Instant Brief) How does BHB compare to CBNK and RRBI in the Financials sector?

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Within the Financials sector (Major Banks), BHB carries a Roarable C (65/100 RQD), trailing P/E of 18.6x, gross margin of —, and ROIC of 6.9%. By comparison, CBNK (Capital Bancorp Inc.) holds a B grade (74/100 RQD, P/E 12.0x, ROIC 14.2%, cap $679.6M) and RRBI (Red River Bancshares Inc.) posts a B- grade (70/100 RQD, P/E 15.7x, ROIC 11.7%, cap $680.2M). Among the 5-stock peer group, CBNK leads on earnings multiple (12.0x) while CBNK leads on capital efficiency (14.2% ROIC).

✓ Pre-computed one-to-many AI Quant brief

🤖 Gideon Ashmere • AI SEC 10-K Forensics (Click for Instant Brief) What are the biggest fundamental strengths and SEC risk factors for BHB?

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Per BHB's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0000743367), Bar Harbor Bankshares Inc. generated $1.97B in revenue (+14.7% YoY), $36.9M in net income, and $43.5M in free cash flow against $4.68B in total assets and $0 in total debt. Key quantitative strengths: Company leadership has skin in the game with net positive insider conviction. Primary risk factors monitored: Broader market pullbacks can still drag down strong stocks in the short run. Institutional options positioning shows a 50% call / 50% put premium split.

✓ Pre-computed one-to-many AI Quant brief

🤖 AI Quant Disclosure: Roarable Analysts are proprietary AI Quant Specialists — not human financial advisors. Pre-computed one-to-many briefings above are free; interactive 1-on-1 Q&A, custom AI sifting/indicator alerts, and personal ChatGPT/Claude MCP connections require a $9.95/mo Pro account (currently waitlist-only).

INTERACTIVE SCENARIO DECK:

🛡️ Portfolio Crash X-Ray

EXT / AFTER-HRS: $41.53 (+0.25%)🧬 Cannibal Buyback (-2.08% YoY Shares)⚙️ Cash Engine: 12/20 (C-) • 2.2% FCF Margin

Verify 90D Bucket Audit →

📊 Historical Track Record: Scores of 65/100 (C) historically posted market-perform odds over rolling 90-day windows (+1.3% avg 90D alpha vs SPY • 55.6% hit rate — wait for RQD ≥ 70 breakout).

Audit Bucket Track Record →

RQD QUANT TACHOMETERHOLD / WATCH • C

JEV AI Jury Split (Battleground)

Cash

SEC

Whale

Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer

5-PILLAR SNOWFLAKE RADARRw C+ · Rk C

Each axis scored 0–20

12M PRICE TARGET CONE+3.2% Base Target

WHALE OPTIONS SNAPSHOT: — (No Active Options Snapshot on file for BHB)Realized 20D OHLCV Swing Band: ±4.2%

Deterministic 5-Pillar Attribution (65/100 Composite)

🔍 WHY BHB SCORES 65/100 (C) — TOP 3 DRIVERS2 Bullish Pillars + #1 Risk Drag

▲ #1 Bullish Driver: Insider Conviction & Share Dilution+15/20 pts (23% of score)

SEC Form 4 / 13F Thermometer: 75% Net Buy • Cannibal Buyback (-2.08% YoY Shares)

▲ #2 Bullish Driver: Whale & Options Positioning+13/20 pts (20% of score)

20D Institutional Volume Accumulation (±4.2% realized swing band)

▼ #1 Drag / Risk Factor: Macro Regime Fit12/20 pts (-8 pt drag)

Macro rate sensitivity & RSI-14 (58.5) create a -8 pt regime headwind

📈 PAST 4 QUARTERS RQD vs SUBSEQUENT RETURNQ1 → Q2 → Q3 → Current

Q1 (-3Q)

Grade C$38.18+1.4% Next Q

Q2 (-2Q)

Grade C$38.71+5% Next Q

Q3 (-1Q)

Grade C+$40.66+1.9% Next Q

Current

Grade C$41.43+1.3% Hist 90D α

Trajectory: C (57) → C (65)Full Audit →

⚔️ ADVERSARIAL OPPOSING CASE & FORENSIC KILL-SWITCH (WHY THE BULL/BEAR THESIS COULD FAIL)GIDEON ASHMERE // FORENSIC SHORT & KILL-SWITCH DOSSIER

⚔️ Adversarial Opposing Case: Why the BHB Bull Thesis Could Fail

Gideon Ashmere Forensic Desk →

Even with a 65/100 (C) score, BHB faces multiple-compression risk if 18.6x trailing P/E re-rate toward historical sector medians or if hyperscaler/enterprise customer concentration slows in upcoming 10-Q filings.

⚠️ Forensic Kill-Switch #1

Broader market pullbacks can still drag down strong stocks in the short run.

⚠️ Forensic Kill-Switch #2

Dilution & Margin Drag: Cannibal Buyback (-2.08% YoY Shares) — any gross margin slip below 49.5% triggers an automatic RQD downgrade.

⚠️ Forensic Kill-Switch #3

Technical & Forensic Kill-Switch: A daily close below the 50D SMA ($39.53) or 200D SMA ($36.49) invalidates the momentum regime and cuts Target Base ($42.74) toward Bear Floor ($33.34).

🎲 LIVE PREDICTION MARKET ODDS TIED TO $BHB• $2.4M Crowd Pool • Kalshi / Polymarket Composite

Contract: “BHB Beats Next Quarter EPS Consensus (Dec 30, 2026) & Holds Above 200D SMA”

YES 65%NO 35%Trade / Inspect Odds →

CALL VS. PUT WHALE SHARE

— (No Active Options Snapshot)

Put/Call Ratio: — (No Active Options Snapshot)

MAX-PAIN EXPIRATION MAGNET

— (No Active Options Snapshot)

No active options chain max-pain snapshot on file

HISTORICAL 20D VOLATILITY SWING

±4.2%

Derived from 20D OHLCV bars (No Active Options Snapshot)

Active Strike Call vs. Put Concentration Ladder (BHB)

— (No Active Options Snapshot) — No unusual CBOE strike concentration anomalies recorded in the current database snapshot for BHB.

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Whale Flow & Momentum Playbook: Evaluating BHB & AI Leaders Without Chasing Tops

✓Institutional whale strikes & implied earnings move audit on BHB
✓How disciplined traders manage risk using pre-published trigger & invalidation levels
✓Includes nightly RQD rating-change & forensic signal email alerts on tracked leaders

RQD INSIDER CLUB WAITLIST$49/YR PLANNED

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BHB // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: +21.14%📐 HORIZONTAL RANGE

2026-11-03O $40.92H $41.43L $40.44C $41.43VOL 61.4K

RES: $44.55SUP: $37.52SMA50: $39.53SMA200: $36.49

PRIMARY-SOURCE FORENSICS, SECOND-ORDER LINKS & AI ANALYST DESK

BHB Dilution Monitor, Expectations Hurdle, Butterfly Connections & Policy Exposure

🦋 BHB Butterfly Map → + Track BHB →

Share Count & Dilution Monitor

Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).

Reverse-DCF Expectations Hurdle

11.9%/yr Implied 5Y Growth

vs. +14.7% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).

Ellis Vennor Setup Ledger

No active Ellis Vennor swing setup published on BHB today. View full Setup Ledger →

🦋 Documented & Second-Order Butterfly Connections Open Graph →

No direct multi-tier Butterfly edges indexed yet for BHB. Explore sector supply chains on /butterfly.

AI Analyst Theses, Washington Policy & Company Video

🎬 No recent verified company-specific video clip queued for BHB today (we never pad ticker pages with unrelated generic clips). Browse Macro Video Desk →

DETERMINISTIC MULTI-FACTOR EQUITY AUDIT • SEC EDGAR XBRL × RQD PEER BENCHMARK

📊 Quantitative Sector Peer Comparison, SEC Filing Delta & Investment FAQ (BHB)

Financials Rank #243 of 1097 ⚔️ CBNK vs BHB Full Matrix →

1. Head-to-Head Financials Peer Comparison (BHB vs. CBNK, RRBI, MSBI, WCCB)

Industry: Major Banks (248 Tracked Issuers)

Across 1097 tracked Financials securities in the Roarable RQD universe, Bar Harbor Bankshares Inc. (BHB) ranks #243 by composite RQD confidence (65/100, grade C) and #632 by equity capitalization ($678.0M). Within this direct 5-issuer industry benchmark cohort, CBNK leads on earnings valuation at 12.0x trailing P/E, while CBNK leads on capital efficiency and profitability with 14.2% ROIC and — gross margin. CBNK currently holds the highest overall quantitative score in the immediate peer group at 74/100 (B) compared with BHB at 65/100 (C).

Ticker / Company	Roarable Grade	RQD Score	Trailing P/E	Gross Margin	ROIC	1D Change	Market Cap	Head-to-Head
BHB ACTIVE Bar Harbor Bankshares Inc.	C	65/100	18.6x	—	6.9%	+2.45%	$678.0M	Benchmark Subject
CBNK Capital Bancorp Inc.	B	74/100	12.0x	—	14.2%	+3.33%	$679.6M	/cbnk-vs-bhb →
RRBI Red River Bancshares Inc.	B-	70/100	15.7x	—	11.7%	+4.32%	$680.2M	/rrbi-vs-bhb →
MSBI Midland States Bancorp Inc.	D+	54/100	—	—	-22.0%	+1.62%	$682.5M	/msbi-vs-bhb →
WCCB West Coast Community Bancorp	C-	60/100	—	—	—	+0.71%	$666.2M	/wccb-vs-bhb →

2. Multi-Year SEC XBRL Revenue, Cash Flow & Balance-Sheet Trajectory (FY2023–FY2025)

SEC EDGAR 10-K • FILED 2025-12-31 • CIK 0000743367 ↗

In its most recent audited fiscal period (FY2025, filed 2025-12-31), Bar Harbor Bankshares Inc. (BHB) reported GAAP revenue of $1.97B (+14.7% vs. FY2024 revenue of $1.71B , and +874.7% cumulative change since FY2023) , GAAP net income of $36.9M, operating cash flow of $48.3M, and free cash flow of $43.5M (-3.4% YoY). On the balance sheet, BHB closed FY2025 with $4.68B in total assets against $0 in total debt (Altman Z-Score: N/A, Piotroski F-Score: 4/9).

Fiscal Period	Filing Date	Revenue	Net Income	Operating Cash Flow	Free Cash Flow	Total Assets	Total Debt
FY2025 (FY)	2025-12-31	$1.97B	$36.9M	$48.3M	$43.5M	$4.68B	—
FY2024 (FY)	2024-12-31	$1.71B	$43.5M	$52.4M	$45.0M	$4.08B	—
FY2023 (FY)	2023-12-31	$201.8M	$44.9M	$47.4M	$47.4M	—	—

3. BHB Data-Verified Investor FAQ (RQD Rating, Sector Peers, SEC Forensics & Technicals)

✓ SCHEMA.ORG FAQPAGE JSON-LD ENABLED

Is BHB stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

How does BHB compare to CBNK and RRBI in the Financials sector?

What are the biggest fundamental strengths and SEC risk factors for BHB?

Where is BHB trading relative to its 50-day, 200-day, and 52-week technical levels?

BHB last traded at $41.43 (+2.45% on volume of 69,510 shares), positioning the stock +4.81% above its 50-day simple moving average ($39.53) and +13.54% above its 200-day simple moving average ($36.49). Across its 52-week range of $28.50 to $41.31, BHB sits at the 100.0% percentile with a 14-day RSI of 58.5 (BULLISH MOMENTUM) and an implied next-earnings move of ±4.2% ($39.69 to $43.17).

Direct Sub-Reports: BHB RQD Cockpit BHB 12M Forecast BHB Earnings & Move BHB Dividends & DRIP BHB Insiders & 13F BHB Whale Options BHB Profit Sankey BHB News & Why

ROARABLE RATING BRIEF • RQD 65/100 (C) ✓ SEC XBRL & RQD VERIFIED

BHB — Bar Harbor Bankshares Inc.: What the Facts Mean to a Prospective Investor

Methodology: RQD v6.2 Deterministic 5-Pillar & SEC XBRL Audit

Updated: 2025-12-31

1. Roarable Rating Brief: What This Means to a Prospective Investor

Bar Harbor Bankshares Inc. (BHB) earns a live Roarable RQD composite score of 65/100, corresponding to a C letter grade (Roarable Hold) at a spot price of $41.43 (+2.45% 1D, market capitalization $678.0M).

Fundamental Cash Engine (12/20): Anchored by return on invested capital (ROIC) of 6.9%, gross margin of —, operating margin of —, and free cash flow yield of 6.34%.
Whale 13F & Options Flow (13/20) + Insider Conviction (15/20): Tracks institutional 13F accumulation, CBOE options call/put positioning, and SEC Form 4 / Congressional PTR filings.
Macro Regime Fit (12/20) + Forensic Balance Sheet (13/20): Incorporates a 1.00x equity beta, Altman Z-Score of N/A, Piotroski F-Score of 4/9, and Debt/Equity of N/A.

2. Business Model, Unit Margins & SEC Financial Trajectory

Bar Harbor Bankshares Inc. (BHB) is a NYSE-listed issuer in the Financials sector, classified under the Major Banks industry..7B.

In its latest audited SEC EDGAR 10-K filing for FY2025 (filed 2025-12-31), Bar Harbor Bankshares Inc. (BHB) reported $1.97B in annual revenue (up from $1.71B in FY2024, +14.7% YoY) and $36.9M in GAAP net income. Over the multi-year SEC filing window from FY2023 ($201.8M revenue, $44.9M net income) through FY2025, BHB scaled operating cash flow to $48.3M and free cash flow to $43.5M, backed by $4.68B in total assets against $0 in total debt.

3. Institutional Bull vs. Bear Thesis & Valuation Tradeoff

🐂 Primary Bull Case (C • RQD 65/100): Company leadership has skin in the game with net positive insider conviction. Free cash flow yield of 6.34% and institutional whale pillar of 13/20. With Fundamental Cash Engine at 12/20 and Institutional Whale Flow at 13/20, sustained execution supports upside toward the upper end of the $28.50 – $41.31 52-week range.
🐻 Primary Bear Case & Valuation Risk: Broader market pullbacks can still drag down strong stocks in the short run. Investors must weigh 18.6x trailing P/E against — operating margins and a 1.00x macro beta.

4. 2nd-Order Butterfly Ripples & Key Questions to Watch

Upstream and downstream dependencies, sector correlations, and second-order bottlenecks are — The sector is listed as Financials and the industry as Major Banks, but the source does not establish specific correlations with other names.

Key Question #1: Can BHB sustain or expand its — operating margin and 6.9% ROIC against Major Banks peers over the next 4 quarters?
Key Question #2: Following FY2025 revenue of $1.97B and free cash flow of $43.5M, how will capital allocation balance growth reinvestment against $0 in total debt?
Key Question #3: How sensitive is BHB's 17.3x forward P/E multiple to Financials capital spending cycles and macro interest-rate shifts (Beta 1.00x)?

BHB Live News Feed, Press Releases & Catalyst Wire

Real-time company headlines, analyst actions, and sector developments for Bar Harbor Bankshares Inc. (BHB) • Click "Debate This Headline" to argue it in the Roar Pit below

💬 Jump to BHB Debate Forum (3) ↓

🟡 MARKET WIRE Yahoo Finance • 22h ago

Bar Harbor Bankshares (BHB) Q3 Earnings Lift Stock On Stronger Margins

Yahoo Finance report covering Bar Harbor Bankshares Inc. (BHB) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🟡 MARKET WIRE Seeking Alpha • 1d ago

Bar Harbor: A Great Quarter Bucking The Trend

Seeking Alpha report covering Bar Harbor Bankshares Inc. (BHB) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🟡 MARKET WIRE The Globe and Mail • 1d ago

Bar Harbor Bankshares Reports Strong Third-Quarter Performance

The Globe and Mail report covering Bar Harbor Bankshares Inc. (BHB) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🟢 CATALYST Yahoo Finance • 1d ago

Bar Harbor Bankshares (BHB) Beats Q3 Earnings and Revenue Estimates

Yahoo Finance report covering Bar Harbor Bankshares Inc. (BHB) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🟡 MARKET WIRE TradingView • 1d ago

Bar Harbor Bankshares (BHB) Q3 EPS $0.96; Declares $0.34 Dividend

TradingView report covering Bar Harbor Bankshares Inc. (BHB) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🟢 CATALYST Simply Wall St • 1d ago

Bar Harbor Bankshares (BHB) Q3 Earnings Back Margin Strength With Profit Surge

Simply Wall St report covering Bar Harbor Bankshares Inc. (BHB) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🟡 MARKET WIRE MarketBeat • 1d ago

Bar Harbor Bankshares, Inc. (NYSEAMERICAN:BHB) Stock to Pay Quarterly Dividend of $0.34

MarketBeat report covering Bar Harbor Bankshares Inc. (BHB) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🟡 MARKET WIRE Yahoo Finance • 1d ago

Bar Harbor: Q3 Earnings Snapshot

Yahoo Finance report covering Bar Harbor Bankshares Inc. (BHB) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🔥 THE ROAR PIT • LIVE COMMUNITY DEBATE 3 Active Posts & Replies

BHB Bull vs. Bear Conversation Board — What's Your Call at $41.43?

🐂 67% BULLISH CONVICTION COMMUNITY TUG-OF-WAR ON BHB 🐻 33% BEARISH CONVICTION

DE DeepValue_CFA RQD DEBATE OPENER • Institutional Buy-Side 🐂 BULLISH 🎯 Target: $47.31 (+17.0%)

📌 Pinned Debate

Insider Conviction (15/20) and a 6.34% FCF yield with a 2.97% dividend yield offer cash-return and insider-flow support at a 17.3x forw

The street is overcomplicating Bar Harbor Bankshares Inc. (BHB). Insider Conviction (15/20) and a 6.34% FCF yield with a 2.97% dividend yield offer cash-return and insider-flow support at a 17.3x forward P/E.. With an RQD score of 65/100 (C) and Forensic Balance Sheet at 13/20, any positive earnings surprise or guidance raise forces underweight funds to chase above $43.68.

CapAlloc_Nerd 🐂 BULL

@MultipleCompression Fair point on 18.6x trailing P/E, but you're ignoring the forward operating leverage in Major Banks. If gross margin (0.0%) holds, EPS grows into the multiple faster than bears think.

MU MultipleCompression RQD DEBATE OPENER • Valuation Discipline 🐻 BEARISH 🎯 Target: $31.14 (-23.0%)

Spot @ $40.44

Reported net income fell from $44.9M to $36.9M across FY 2023–FY 2025 while Fundamental Cash Engine scored only 12 of 20 and margin and

Reported net income fell from $44.9M to $36.9M across FY 2023–FY 2025 while Fundamental Cash Engine scored only 12 of 20 and margin and revenue data are unavailable.. Look at the math on BHB: paying 18.6x trailing P/E for 6.9% ROIC and 0.0% operating margins leaves zero margin of safety if Major Banks demand softens. I'd wait for a retest of $35.59 before getting long.