BHB vs IBCP: stock comparison and AI forecast
Bar Harbor Bankshares (BHB) and Independent Bank Corp /Mi/ (IBCP) compared on price performance, valuation, profitability and the daily AI forecast. · Alpha · vs market
Share
BHB Bar Harbor Bankshares
- Price
- $41.01 +17.4% · 6M
- Market Cap
- $688M
- P/E Ratio
- 14.5x
- Size
- small-cap
- AI Forecast
IBCP Independent Bank Corp /Mi/
- Price
- $36.33 +7.0% · 6M
- Market Cap
- $806M
- P/E Ratio
- 10.9x
- Size
- small-cap
- AI Forecast
Which one does the AI model favor?
Intratio's model scores both stocks every trading day. Sign in to see their current direction; the exact ratings and forecasts come with a plan or a free follow slot.
Six-month price performance
Closing prices rebased to 100 at the start of the window.
Key facts
- IBCP is 1.2 times larger than BHB by market capitalization ($806M against $688M).
- IBCP trades at 10.9 times trailing earnings, BHB at 14.5 times.
- Over the last six months BHB returned +17.4% and IBCP +7.0%.
- IBCP turns 29.8% of its revenue into net income, against 26.3% for BHB.
- IBCP carries 9.85 times debt per unit of equity, against 7.63 times for BHB.
- BHB yields 3.18% in dividends and IBCP 2.87%.
- Both companies share the SEC industry classification State Commercial Banks.
Fundamentals side by side
Trailing twelve months.
Valuation & Market
| Metric | BHB | IBCP |
|---|---|---|
| Market Cap | $688M | $806M |
| P/E Ratio | 14.54x | 10.94x |
| P/B Ratio | 1.25x | 1.40x |
| Dividend Yield | 3.18% | 2.87% |
| EPS | $2.82 | $3.32 |
| Book Value/Share | $32.78 | $26.01 |
| Revenue/Share | $11.19 | $10.89 |
| FCF/Share | $3.41 | $1.42 |
Profitability & Margins
| Metric | BHB | IBCP |
|---|---|---|
| ROE | 9.0% | 12.5% |
| ROA | 1.0% | 1.1% |
| Net Margin | 26.3% | 29.8% |
| EBT Margin | 33.1% | 35.1% |
| Tax Rate | 20.5% | 14.9% |
Financial Health
| Metric | BHB | IBCP |
|---|---|---|
| D/E Ratio | 7.63x | 9.85x |
| Financial Leverage | 8.63x | 10.85x |
Cash Flow
| Metric | BHB | IBCP |
|---|---|---|
| Operating Cash Flow | $64M | $44M |
| Free Cash Flow | $57M | $31M |
| Capital Spending | -$7M | -$13M |
| OCF Growth YoY | 24.8% | -48.3% |
| FCF Growth YoY | 24.6% | -58.7% |
| FCF/Sales | 30.5% | 13.0% |
| CapEx/Sales | 3.7% | 5.2% |
Operational Efficiency
| Metric | BHB | IBCP |
|---|---|---|
| Asset Turnover | 0.04x | 0.04x |
| Fixed Assets Turnover | 3.1x | 4.2x |
Income Statement
| Metric | BHB | IBCP |
|---|---|---|
| Total Revenue | $188M | $242M |
| Net Income | $49M | $72M |
Dividend & Shareholder Information
| Metric | BHB | IBCP |
|---|---|---|
| Dividends Per Share | $1.30 | $1.04 |
| Payout Ratio | 46.1% | 31.3% |
| Shares Outstanding | 17M | 22M |
| Net Income Growth | 25.0% | 5.4% |
| EPS Growth | 9.7% | 1.2% |
BHB vs IBCP: stock comparison and AI forecast
Which is bigger, BHB or IBCP?
IBCP is 1.2 times larger than BHB by market capitalization ($806M against $688M).
Which is cheaper on earnings, BHB or IBCP?
IBCP trades at 10.9 times trailing earnings, BHB at 14.5 times.
Which stock performed better over the last six months, BHB or IBCP?
Over the last six months BHB returned +17.4% and IBCP +7.0%.
Which one does Intratio's AI model rank higher, BHB or IBCP?
Intratio's model scores both stocks every trading day. Sign in to see their current direction; the exact ratings and forecasts come with a plan or a free follow slot.
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This analysis is generated automatically using our proprietary AI systems and should not be considered personalized investment advice. Past performance does not guarantee future results. Always conduct your own research and consider consulting a financial advisor before making investment decisions.