Is BAR HARBOR BANKSHARES (BHB) Halal?
Shariah Screening — 5 Standards
Based on financial data from December 2025
| Standard | Debt Ratio | Cash Ratio | Receivables | Income | Status |
|---|---|---|---|---|---|
| AAOIFI | Excluded — Banks - Regional | ✗ NOT HALAL | |||
| DJIM | Excluded — Banks - Regional | ✗ NOT HALAL | |||
| MSCI | Excluded — Banks - Regional | ✗ NOT HALAL | |||
| S&P | Excluded — Banks - Regional | ✗ NOT HALAL | |||
| FTSE | Excluded — Banks - Regional | ✗ NOT HALAL | |||
Financial Highlights
Profitability
| Gross Margin | 0.0% | |
| Operating Margin | 41.6% | |
| Net Margin | 22.6% | |
| Return on Equity (ROE) | 7.5% | |
| Return on Assets (ROA) | 0.8% |
Cash Flow & Balance Sheet
| Operating Cash Flow | $48M |
| Free Cash Flow | $43M |
| Total Debt | $270M |
| Total Assets | $4.7B |
Price & Trading
| Last Close | $32.11 |
| 50-Day MA | $33.20 |
| 200-Day MA | $31.36 |
| Avg Volume | 113K |
| Beta | 0.6 |
|
52-Week Range
$26.43
| |
About BAR HARBOR BANKSHARES (BHB)
Bar Harbor Bankshares operates as the holding company for Bar Harbor Bank & Trust that provides banking and nonbanking products and services primarily to consumers and businesses. The company offers deposit products, including interest-bearing and non-interest-bearing demand accounts, savings accounts, time deposits, and money market deposit accounts, as well as certificates of deposit. It also provides commercial construction loans, such as raw land, land development, and construction of commercial and multifamily residential properties; commercial real estate owner occupied and non-owner occupied loans; tax exempt loans to various state and municipal government entities; commercial and industrial loans, including loans for the purpose of financing working capital and capital investment; residential real estate loans consists of one-to-four family homes; home equity loans; and consumer loans, including personal lines of credit and amortizing loans to qualified individuals for various purposes, such as auto loans, recreational equipment, overdraft protection, and other consumer loans, as well as allowance for credit losses. In addition, the company provides life insurance, annuity, and retirement products; financial planning services; and third-party investment and insurance services. Further, it offers trust and estate administration, wealth advisory, and investment management services to individuals, businesses, not-for-profit organizations, and municipalities; and 401(K) plan, financial, estate and charitable planning, investment management, family office, municipal, and tax services. Bar Harbor Bankshares was founded in 1887 and is headquartered in Bar Harbor, Maine.
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Frequently Asked Questions
Is BAR HARBOR BANKSHARES (BHB) halal to invest in?
Based on our screening using AAOIFI Standard 21 (the strictest methodology), BAR HARBOR BANKSHARES is Not Halal. The company fails one or more screening criteria. We screen against all 5 major standards: AAOIFI, DJIM, MSCI, S&P, and FTSE.
What is BAR HARBOR BANKSHARES's debt ratio?
BAR HARBOR BANKSHARES's debt ratio is not available under the AAOIFI standard (which uses market capitalization as the denominator). The AAOIFI threshold is 30%.
What are BAR HARBOR BANKSHARES's key financial metrics?
BAR HARBOR BANKSHARES has a market capitalization of $533M, trailing P/E ratio of 13.8, and revenue of $168M. Return on equity stands at 7.5%.
How often is the screening data updated?
Our screening data is updated regularly using the latest available financial statements and market data. Stock prices and market caps are refreshed frequently, while financial statements are updated quarterly when companies report earnings.
Disclaimer: HalalStockGuide.com provides Shariah compliance screening for educational and informational purposes only. This is not a fatwa, financial advice, or a recommendation to buy or sell any security. Screening results are based on publicly available financial data and established methodologies. Always consult a qualified Islamic scholar and a licensed financial advisor before making investment decisions.