Bar Harbor [BHB] vs Pathward Financial [CASH] Detailed Stock Comparison

Bar Harbor Bankshares

NYSE
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Pathward Financial Inc.

NASDAQ
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TLDR: Quick Comparison Summary

Based on 19 vital metrics comparison: Bar Harbor Bankshares wins in 7 metrics, Pathward Financial Inc. wins in 12 metrics, with 0 ties. Pathward Financial Inc. appears stronger overall.

View Metrics Details

Vital Metrics Comparison

Metric Bar Harbor Bankshares Pathward Financial Inc. Better
P/E Ratio (TTM) 14.70 11.91 Pathward Financial Inc.
Price-to-Book Ratio 1.07 2.54 Bar Harbor Bankshares
Debt-to-Equity Ratio 0.54 0.07 Pathward Financial Inc.
PEG Ratio -5.29 0.55 Pathward Financial Inc.
Profit Margin (TTM) 22.59% 24.31% Pathward Financial Inc.
Operating Margin (TTM) 41.57% 25.54% Bar Harbor Bankshares
EBITDA Margin (TTM) 41.57% 25.54% Bar Harbor Bankshares
Return on Equity 7.45% 23.57% Pathward Financial Inc.
Return on Assets (TTM) 0.84% 2.53% Pathward Financial Inc.
Free Cash Flow (TTM) $43.47M $236.59M Pathward Financial Inc.
Dividend Yield 3.68% 0.28% Bar Harbor Bankshares
1-Year Return 28.23% 13.18% Bar Harbor Bankshares
Price-to-Sales Ratio (TTM) 3.48 2.78 Pathward Financial Inc.
Enterprise Value $765.24M $1.85B Pathward Financial Inc.
EV/Revenue Ratio 4.68 2.36 Pathward Financial Inc.
Revenue per Share (TTM) $10 $34 Pathward Financial Inc.
Earnings per Share (Diluted) $2.31 $8.21 Pathward Financial Inc.
Beta (Stock Volatility) 0.58 0.74 Bar Harbor Bankshares
Short % of Float 1.25% 10.89% Bar Harbor Bankshares

Bar Harbor Bankshares vs Pathward Financial Inc. Stock Performance Analysis

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BHB
CASH

Performance Comparison

Short-term Returns

Stock1D1W1M3M6MYTD
Bar Harbor Bankshares-1.57%1.59%8.50%15.23%10.04%16.56%
Pathward Financial Inc.-2.54%2.04%2.67%-8.92%11.41%14.14%

Long-term Returns

Stock1Y3Y5Y10Y15Y20Y
Bar Harbor Bankshares28.23%37.95%43.80%60.74%191.79%185.26%
Pathward Financial Inc.13.18%74.27%72.73%386.53%1,668.28%1,037.43%

Performance & Financial Health Analysis: Bar Harbor Bankshares vs Pathward Financial Inc.

MetricBHBCASH
Market Information
Market Cap i$568.56M$1.96B
Market Cap CategorySmall capSmall cap
10 Day Avg. Volume i106,649175,852
90 Day Avg. Volume i172,440230,397
Last Close$36.39$82.03
52 Week Range$28.06 - $37.20$65.87 - $101.26
% from 52W High-2.18%-18.99%
All-Time High$38.47 (Nov 04, 2024)$101.26 (Apr 17, 2026)
% from All-Time High-5.41%-18.99%
Growth Metrics
Quarterly Revenue Growth0.29%0.04%
Quarterly Earnings Growth0.07%0.17%
Financial Health
Profit Margin (TTM) i0.23%0.24%
Operating Margin (TTM) i0.42%0.26%
Return on Equity (TTM) i0.07%0.24%
Debt to Equity (MRQ) i0.540.07
Cash & Liquidity
Book Value per Share (MRQ)$31.89$38.55
Cash per Share (MRQ)$5.35$15.22
Operating Cash Flow (TTM) i$48.28M$630.66M
Levered Free Cash Flow (TTM) i$36.92M$185.18M
Dividends
Last 12-Month Dividend Yield i3.68%0.28%
Last 12-Month Dividend i$1.28$0.25

Valuation & Enterprise Metrics Analysis: Bar Harbor Bankshares vs Pathward Financial Inc.

MetricBHB (Apr 22, 2026)CASH (Apr 24, 2026)
Price Ratios
P/E Ratio (TTM) i14.7011.91
Forward P/E i9.0010.21
PEG Ratio i-5.290.55
Price to Sales (TTM) i3.482.78
Price to Book (MRQ) i1.072.54
Market Capitalization
Market Capitalization i$568.56M$1.96B
Enterprise Value i$765.24M$1.85B
Enterprise Value Metrics
Enterprise to Revenue i4.682.36
Enterprise to EBITDA iN/AN/A
Risk & Other Metrics
Beta i0.580.74
Book Value per Share (MRQ) i$31.89$38.55

Financial Statements Comparison: Bar Harbor Bankshares vs Pathward Financial Inc.

Financial Metrics

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Revenue

Operating Margin

Profit Margin

Long Term Debt

Income Flow Analysis

Financial Statements Comparison

Income Statement

MetricBHB (2025)CASH (2025)
Revenue/Sales i168.30M673.63M
Cost of Goods Sold iN/AN/A
COGS % of Revenue i0.0%0.0%
Gross Profit iN/AN/A
Gross Margin i0.0%0.0%
Research & Development iN/AN/A
Operating Income (EBIT) iN/AN/A
Operating Margin i0.0%0.0%
EBITDA iN/AN/A
EBITDA Margin i0.0%0.0%
Pre-Tax Income i45.94M223.05M
Pre-Tax Income % of Revenue i27.3%33.1%
Income Tax i9.02M36.27M
Income Tax % of Revenue i5.4%5.4%
Net Income (Profit) i36.92M186.79M
Profit Margin i21.9%27.7%

Balance Sheet & Liquidity Metrics

MetricBHB (2025)CASH (2025)
Cash & Equivalents i80.84M120.57M
Total Current Assets iN/AN/A
Total Current Assets % of Revenue i0.0%0.0%
Total Current Liabilities iN/AN/A
Total Current Liabilities % of Revenue i0.0%0.0%
Long-Term Debt i134.84M33.46M
Long-Term Debt % of Revenue i80.1%5.0%
Total Shareholders Equity i532.54M857.45M
Retained Earnings i314.37M359.83M
Retained Earnings % of Revenue i186.8%53.4%
Property, Plant & Equipment iN/A279.25M

Cash Flow Statement Comparison

MetricBHB (2025)CASH (2025)
Operating Cash Flow i38.29M453.09M
Operating Cash Flow % of Revenue i22.8%67.3%
Capital Expenditures i-4.41M-185.72M
Free Cash Flow i43.47M236.59M
FCF Margin i25.8%35.1%
Debt Repayment i-14.48MN/A
Common Stock Repurchase iN/A-163.05M

Short Interest & Institutional Ownership Analysis

MetricBHBCASH
Shares Short i202,2731.97M
Short Ratio i1.098.16
Short % of Float i1.25%10.89%
Shares Outstanding i16.70M22.17M
Float Shares i16.20M21.45M
% Held by Insiders i3.31%1.42%
% Held by Institutions i56.60%95.01%
% Held by Public i40.09%3.57%

Dividend Analysis & Yield Comparison: Bar Harbor Bankshares vs Pathward Financial Inc.

MetricBHBCASH
Last 12-Month Dividend i$1.28$0.25
Last 12-Month Dividend Yield i3.68%0.28%
3-Year Avg Annual Dividend i$1.20$0.22
3-Year Avg Dividend Yield i1.03%0.08%
3-Year Total Dividends i$3.60$0.65
Ex-Dividend DateFeb 20, 2026Mar 12, 2026