BHB
Bar Harbor Bankshares
BHB offers stronger fundamentals, but that advantage does not outweigh its weaker overall profile.
GS
The Goldman Sachs Group, Inc.
GS has the edge over BHB overall, supported by stronger valuation and lower modeled downside.
BHB Fundamentals
| Metric | Status |
|---|---|
| Healthy | |
| Strong | |
| N/A | |
| N/A |
BHB's revenue and profitability are currently healthy. Free cash flow and net leverage aren't meaningful measures for financial services companies like BHB.
GS Fundamentals
| Metric | Status |
|---|---|
| Strong | |
| Strong | |
| N/A | |
| N/A |
GS's revenue and profitability are currently strong. Free cash flow and net leverage aren't meaningful measures for financial services companies like GS.
BHB PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Cheap | 9.4x | $31.73 | -23% |
| Fair | 11x | $38.75 | -6.4% |
| Forward | 11x | $41.39 | — |
| Current | 12x | $41.39 | — |
| Expensive | 14x | $45.87 | +11% |
Historical ranges are pointers, not guarantees.
BHB has the edge over GS in the historical PE scenario, which offers more potential upside but is not a forecast.
GS PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Cheap | 7.6x | $528 | -42% |
| Current | 13x | $914 | — |
| Forward | 13x | $914 | — |
| Fair | 14x | $940 | +2.9% |
| Expensive | 17x | $1,214 | +33% |
Historical ranges are pointers, not guarantees.
GS's PE is 13x, but its earnings don't support one, so it isn't a reliable read right now.
BHB Forward outlook
| Metric | Outlook |
|---|---|
| Improving | |
| Stable | |
| Stable | |
| Stable | |
| Limited | |
| High |
Analysts expect BHB's earnings, revenue and profitability to hold roughly steady.
GS Forward outlook
| Metric | Outlook |
|---|---|
| Stable | |
| Strong growth | |
| Growth | |
| Strongly improving | |
| Limited | |
| Low |
Analysts expect earnings and revenue growth for GS, with profitability improving. However, they disagree widely on these estimates.
BHB Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $3.80 | +12% |
| Q3 2026 | $3.39 | +47% |
| Q2 2026 | $2.97 | +16% |
| Q1 2026 | $2.46 | -13% |
| Q4 2025 | $2.31 | -19% |
| Q3 2025 | $2.31 | -17% |
| Q2 2025 | $2.57 | -5.2% |
| Q1 2025 | $2.84 | +3.3% |
| Q4 2024 | $2.84 | -3.7% |
BHB earned $3.39 per share over the past year, up 47% from the year before.
GS Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $72.35 | +4% |
| Q3 2026 | $69.58 | +41% |
| Q2 2026 | $64.82 | +43% |
| Q1 2026 | $54.75 | +27% |
| Q4 2025 | $51.32 | +27% |
| Q3 2025 | $49.22 | +44% |
| Q2 2025 | $45.37 | +45% |
| Q1 2025 | $43.08 | +68% |
| Q4 2024 | $40.54 | +77% |
GS has the edge over BHB on earnings, with more consistent year-over-year improvement.
BHB Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $51.6M | +8.5% |
| Q2 2026 | $49.7M | +44% |
| Q1 2026 | $47.3M | +25% |
| Q4 2025 | $48.9M | +27% |
| Q3 2025 | $47.5M | +23% |
| Q2 2025 | $34.5M | -7.6% |
| Q1 2025 | $37.9M | +3.5% |
| Q4 2024 | $38.5M | +2.2% |
BHB's revenue has grown year over year for five quarters in a row: $52M last quarter, up 8.5% from the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 39% | +16 points |
| Q2 2026 | 39% | +17 points |
| Q1 2026 | 36% | +2.8 points |
| Q4 2025 | 30% | -5.1 points |
| Q3 2025 | 23% | -12 points |
| Q2 2025 | 22% | -13 points |
| Q1 2025 | 33% | -1.1 points |
| Q4 2024 | 35% | +1.8 points |
BHB has the edge over GS on profitability, with a higher operating margin.
GS Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $18.7B | +23% |
| Q2 2026 | $20.3B | +39% |
| Q1 2026 | $17.2B | +14% |
| Q4 2025 | $13.5B | -3% |
| Q3 2025 | $15.2B | +20% |
| Q2 2025 | $14.6B | +15% |
| Q1 2025 | $15.1B | +6% |
| Q4 2024 | $13.9B | +23% |
GS has the edge over BHB on sales, with stronger typical year-over-year growth.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 37% | +2 points |
| Q2 2026 | 42% | +8.1 points |
| Q1 2026 | 38% | +0.2 points |
| Q4 2025 | 44% | +5.6 points |
| Q3 2025 | 36% | +4.1 points |
| Q2 2025 | 34% | +3.2 points |
| Q1 2025 | 37% | +0.6 points |
| Q4 2024 | 38% | +18 points |
GS's operating margin was 37% last quarter, up 2 points from the same quarter a year ago.
BHB Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $17.3M | +12% |
| Q2 2026 | $21.8M | +564% |
| Q1 2026 | $3M | -61% |
| Q4 2025 | $17M | +37% |
| Q3 2025 | $15.4M | -31% |
| Q2 2025 | $3.3M | +44% |
| Q1 2025 | $7.8M | -0.9% |
| Q4 2024 | $12.4M | -6.6% |
BHB has the edge over GS on cash generation, producing positive trailing cash flow while its opponent burns cash.
GS Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $3.7B | +72% |
| Q2 2026 | $5.6B | +7.8% |
| Q1 2026 | -$32.4B | +$5.3B |
| Q4 2025 | -$16.8B | -136% |
| Q3 2025 | $2.1B | +$40.6B |
| Q2 2025 | $5.2B | -6.8% |
| Q1 2025 | -$37.7B | -$9.2B |
| Q4 2024 | $46.2B | +$75.1B |
GS's free cash flow was −$40B over the past year, against $15.8B the year before. Free cash flow isn't a meaningful measure for financial services companies like GS.
BHB Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | +0.1% | +19.5K shares |
| 1 year | +3.3% | +544K shares |
| 3 years | +11% | +1.6M shares |
| 5 years | +12% | +1.8M shares |
| Available history | +7.9% | +1.2M shares |
BHB has 17M diluted shares, up 3.3% from a year ago.
| Quarter | Spent |
|---|---|
| Q4 2020 | $718,000 |
| Q3 2020 | $6M |
| Q2 2020 | $7.3M |
| Q1 2020 | $130,000 |
| Q4 2019 | $107,000 |
GS Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | -1.2% | -3.8M shares |
| 1 year | -4.4% | -13.9M shares |
| 3 years | -12% | -42.8M shares |
| 5 years | -15% | -52.8M shares |
| Available history | -20% | -74.4M shares |
GS has the edge over BHB on shareholder dilution, with a more favorable share count trend.
| Quarter | Spent |
|---|---|
| Q3 2026 | $3B |
| Q2 2026 | $4B |
| Q1 2026 | $5B |
| Q4 2025 | $3B |
| Q3 2025 | $2B |
| Q2 2025 | $3B |
| Q1 2025 | $4.4B |
| Q4 2024 | $2B |
GS spent $15B buying back its own shares over the past year, up 32% from the year before.
BHB Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | 1.1x | Healthy |
| Q2 2026 | 2.6x | Moderate |
| Q1 2026 | 2.4x | Moderate |
| Q4 2025 | 3.7x | Elevated |
| Q3 2025 | 1.1x | Healthy |
| Q2 2025 | 4.0x | High |
| Q1 2025 | 2.6x | Moderate |
| Q4 2024 | 3.8x | Elevated |
BHB's net debt is about 1.1 years of its operating earnings (EBITDA), about the same as a year ago. Net leverage isn't a meaningful measure for financial services companies like BHB.
GS Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | -5.4x | Net Cash |
| Q2 2026 | -6.1x | Net Cash |
| Q1 2026 | -6.7x | Net Cash |
| Q4 2025 | -6.4x | Net Cash |
| Q3 2025 | -3.5x | Net Cash |
| Q2 2025 | -3.1x | Net Cash |
| Q1 2025 | -3.9x | Net Cash |
| Q4 2024 | -4.7x | Net Cash |
GS has the edge over BHB on leverage, with a lower net debt burden relative to earnings.
BHB Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 64.3 | Neutral |
| Stochastic | 68.3 | Neutral |
BHB's weekly RSI is 64 (neutral) and its Stochastic is 68 (neutral).
GS Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 44.5 | Neutral |
| Stochastic | 16.3 | Oversold |
GS's weekly RSI is 45 (neutral) and its Stochastic is 16 (oversold).
BHB PE vs Financial Services Sector
| Metric | BHB | Sector median | Relative |
|---|---|---|---|
| PE | 12x | 13x | 6.2% below |
| PE % | 64 | 63 | 1 pt above |
BHB has the edge over GS on valuation relative to its sector.
GS PE vs Financial Services Sector
| Metric | GS | Sector median | Relative |
|---|---|---|---|
| PE | 13x | 13x | 0.8% above |
| PE % | 46 | 63 | 17 pts below |
GS is trading at 13x earnings, in line with the Financial Services sector's median of 13x, though its earnings don't support one.
BHB Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $39.7 | 4.2% above |
| 20 week MA | $39.5 | 4.8% above |
| 50 week MA | $36.1 | 15% above |
| 100 week MA | $33.2 | 25% above |
| 200 week MA | $30.3 | 36% above |
BHB has the edge over GS on trend strength, trading above more of its moving averages.
GS Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $895.5 | 2% above |
| 20 week MA | $977.4 | 6.5% below |
| 50 week MA | $945.4 | 3.4% below |
| 100 week MA | $804.5 | 14% above |
| 200 week MA | $602.7 | 52% above |
GS's trend is mixed: it's above three of its five weekly moving averages, and 52% above its 200-week average.
BHB Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $25.4 | $22.1 | -13% |
| 2021 | $22.1 | $29.2 | +32% |
| 2022 | $29.2 | $31.1 | +6.2% |
| 2023 | $31.1 | $29.4 | -5.5% |
| 2024 | $29.4 | $30.3 | +3% |
| 2025 | $30.3 | $31.9 | +5.4% |
| 2026 YTD | $31.9 | $41.4 | +30% |
BHB has the edge over GS on returns for 2026, with the stronger performance.
GS Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $230.7 | $256.2 | +11% |
| 2021 | $256.2 | $385.0 | +50% |
| 2022 | $385.0 | $345.5 | -10% |
| 2023 | $345.5 | $385.8 | +12% |
| 2024 | $385.8 | $576.2 | +49% |
| 2025 | $576.2 | $907.0 | +57% |
| 2026 YTD | $907.0 | $913.6 | +0.7% |
GS has finished higher in five of the last six years, two of them by more than 50%. It's up 0.7% so far in 2026.