This week, I'm looking for the sixth financial services representative of seven for my Ivy portfolio.

That financial sector includes twenty industries ranging from Asset Management to 8 kinds of Banks, Credit, Exchanges, 6 kinds of Insurance, Savings, and all such financial concerns.

Today I'm reviewing a small cap banks - regional - US firm named Bar Harbor Bankshares. Their trading ticker symbol is BHB.

Bar Harbor Bankshares Inc is a bank holding company. Along with its subsidiaries it offers a full range of financial services products, brokerage services through third-party brokerage arrangement and also trust and investment management services to individuals, businesses, non-profit organizations, and municipalities.

Its products and services consist of checking, deposits, cards, mobile banking, online services, loans, merchant services, trust, and fiduciary services, investment planning, education funding, individual retirement planning, insurance, and risk management services.

As of December 31, 2018, the company provided a range of financial services through its 48 full-service branches in Maine, New Hampshire, and Vermont. Bar Harbor Bankshares was founded in 1887 and is based in Bar Harbor, Maine.

I use three key data points to gauge dividend paying equities or funds like Bar Harbor Bankshares:

(1) Price

(2) Dividends

(3) Returns

Besides those three, several other keys will finally unlock an equity or fund in which to invest.

Those three basic keys, however, best tell whether a company has made, is making, and will make money.

BHB Price

Bar Harbor's price per share closed at $24.94 yesterday. A year ago its price was $30.24. Price fell $5.30 or 17.5% in the past year.

Assuming Bar Harbor's stock trades in the range of $20.00 to $30.00 this year, Bar Harbor's recent $24.94 price could rise by $1.06 and go to $26.00 by late June 2020.

BHB Dividends

Bar Harbor's most recent quarterly dividend was $0.22 paid June 14th.

That $0.22 Q payout equates to an annual dividend of $0.88 which produces a yield of 3.53% based on yesterday's $24.94 closing price.

Gains For BHB?

Adding the $0.88 annual estimated dividend to my $1.06 estimate of Bar Harbor's price upside shows a $1.94 potential gross annual gain, per share, which will be reduced by costs to trade those shares.

Say we pay a little under $1,000.00 today at the $24.94 recent stock price would buy 40 Bar Harbor Bankshares equities.

A $10 broker fee paid half at purchase and half at sale will cost us $0.25 per share.

Subtract that $0.25 brokerage cost from the estimated $1.94 gross annual gain leaves a net gain of $1.69 X40 shares = $67.60 or a 6.6% net gain on a $997.60 investment.

Therefore, Bar Harbor Bankshares whose trading ticker symbol is BHB now shows a possible net gain of 6.75% including a 3.53% dividend yield.

One broker tracks Bar Harbor Bankshares stock:

The one broker says 'hold' your BHB shares.

I conformed to the pro pick for my estimated price for BHB.

Therefore, you can look at Bar Harbor Bankshares and see it has made money, is making money, and could net an 6.75% gain including a 3.53% dividend yield. It could be more, it could be less.

The above speculation is based on past year performance. The actual results remain to be seen to determine if Bar Harbor Bankshares is worth your time and money.