BHB · Bar Harbor Bankshares - Financials
Annual line items from SEC XBRL filings, sourced from EDGAR's Company Facts API with fallback to the quarterly Financial Statement Data Sets. See issuer overview for Form 4 activity and 10-K signals.
Income Statement
| Line item | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | - | - | - | - | - | - | - | - | - | - |
| Cost of Revenue | - | - | - | - | - | - | - | - | - | - |
| Gross Profit | - | - | - | - | - | - | - | - | - | - |
| R&D | - | - | - | - | - | - | - | - | - | - |
| SG&A | - | - | - | - | - | - | - | - | - | - |
| Total Operating Expenses | - | - | - | - | - | - | - | - | - | - |
| D&A | $1.13M | - | $1.08M | $1.06M | $1.04M | - | - | - | - | - |
| Operating Income | $17.15M | - | $11.04M | $7.47M | $12.70M | - | $13.61M | $12.79M | $12.66M | - |
| Interest Expense | - | - | - | - | $18.53M | - | $19.62M | $19.08M | $17.77M | - |
| Income Tax | $3.62M | - | $2.18M | $1.38M | $2.48M | - | $1.42M | $2.53M | $2.57M | - |
| Net Income | $13.54M | - | $8.86M | $6.09M | $10.21M | - | $12.19M | $10.26M | $10.10M | - |
| EPS - Basic | $0.81 | - | $0.55 | $0.40 | $0.67 | - | $0.80 | $0.67 | $0.66 | - |
| EPS - Diluted | $0.81 | - | $0.54 | $0.40 | $0.66 | - | $0.80 | $0.67 | $0.66 | - |
Balance Sheet
| Line item | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 |
|---|---|---|---|---|---|---|---|---|---|---|
| Cash & Equivalents | $82.22M | $80.84M | $136.71M | $87.03M | $88.13M | $72.16M | $81.22M | $101.84M | $76.22M | $94.84M |
| Accounts Receivable | - | - | - | - | - | - | - | - | - | - |
| Inventory | - | - | - | - | - | - | - | - | - | - |
| Accounts Payable | - | - | - | - | - | - | - | - | - | - |
| Current Assets | - | - | - | - | - | - | - | - | - | - |
| Total Assets | $4.68B | $4.68B | $4.72B | $4.11B | $4.06B | $4.08B | $4.03B | $4.03B | $3.96B | $3.97B |
| Current Liabilities | - | - | - | - | - | - | - | - | - | - |
| Long-term Debt | $135.44M | $134.84M | $134.57M | $40.88M | $40.89M | $40.89M | $60.85M | $60.81M | $60.78M | $60.74M |
| Total Liabilities | $4.14B | $4.15B | $4.20B | $3.64B | $3.60B | $3.62B | $3.57B | $3.60B | $3.52B | $3.54B |
| Stockholders' Equity | $537.94M | $532.54M | $520.96M | $468.86M | $467.31M | $458.43M | $459.92M | $438.91M | $435.71M | $432.06M |
| Retained Earnings | $322.50M | $314.37M | $307.99M | $304.50M | $303.45M | $297.86M | $291.39M | $283.73M | $277.99M | $272.10M |
Cash Flow
| Line item | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 |
|---|---|---|---|---|---|---|---|---|---|---|
| Operating Cash Flow | $5.02M | - | - | - | $9.32M | - | - | - | $8.52M | - |
| Investing Cash Flow | $10.15M | - | - | - | $32.07M | - | - | - | ($7.23M) | - |
| Financing Cash Flow | ($13.79M) | - | - | - | ($25.42M) | - | - | - | ($19.91M) | - |
| CapEx | $2.02M | - | - | - | $1.54M | - | - | - | $671.0K | - |
| Free Cash Flow | $3.00M | - | - | - | $7.78M | - | - | - | $7.84M | - |
Ratios
| Metric | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 |
|---|---|---|---|---|---|---|---|---|---|---|
| Profitability | ||||||||||
| Gross margin | - | - | - | - | - | - | - | - | - | - |
| Operating margin | - | - | - | - | - | - | - | - | - | - |
| EBITDA margin | - | - | - | - | - | - | - | - | - | - |
| Net margin | - | - | - | - | - | - | - | - | - | - |
| Free cash flow margin | - | - | - | - | - | - | - | - | - | - |
| FCF / Net income | 0.22 | - | - | - | 0.76 | - | - | - | 0.78 | - |
| R&D / Revenue | - | - | - | - | - | - | - | - | - | - |
| SG&A / Revenue | - | - | - | - | - | - | - | - | - | - |
| Effective tax rate | 21.1% | - | 19.8% | 18.5% | 19.6% | - | 10.4% | 19.8% | 20.3% | - |
| Return on assets | 0.3% | - | 0.2% | 0.1% | 0.3% | - | 0.3% | 0.3% | 0.3% | - |
| Return on equity | 2.5% | - | 1.7% | 1.3% | 2.2% | - | 2.7% | 2.3% | 2.3% | - |
| Return on invested capital | 2.0% | - | 1.4% | 1.2% | 2.0% | - | 2.3% | 2.1% | 2.0% | - |
| Liquidity | ||||||||||
| Current ratio | - | - | - | - | - | - | - | - | - | - |
| Quick ratio | - | - | - | - | - | - | - | - | - | - |
| Cash ratio | - | - | - | - | - | - | - | - | - | - |
| Leverage | ||||||||||
| Debt / Equity | 0.25 | 0.25 | 0.26 | 0.09 | 0.09 | 0.09 | 0.13 | 0.14 | 0.14 | 0.14 |
| Debt / Assets | 0.03 | 0.03 | 0.03 | 0.01 | 0.01 | 0.01 | 0.02 | 0.02 | 0.02 | 0.02 |
| Debt / EBITDA | 7.41 | - | 11.11 | 4.79 | 2.98 | - | - | - | - | - |
| Interest coverage | - | - | - | - | 0.7x | - | 0.7x | 0.7x | 0.7x | - |
| Equity multiplier | 8.69 | 8.80 | 9.06 | 8.77 | 8.69 | 8.91 | 8.76 | 9.19 | 9.09 | 9.19 |
| Liabilities / Assets | 0.88 | 0.89 | 0.89 | 0.89 | 0.88 | 0.89 | 0.89 | 0.89 | 0.89 | 0.89 |
| Efficiency | ||||||||||
| Asset turnover | - | - | - | - | - | - | - | - | - | - |
| Inventory turnover | - | - | - | - | - | - | - | - | - | - |
| Days sales outstanding | - | - | - | - | - | - | - | - | - | - |
| Days inventory outstanding | - | - | - | - | - | - | - | - | - | - |
| Days payable outstanding | - | - | - | - | - | - | - | - | - | - |
| Cash conversion cycle | - | - | - | - | - | - | - | - | - | - |
| Valuation | ||||||||||
| P / E | 40.1x | - | 56.4x | 74.9x | 44.7x | - | 38.5x | 40.1x | 40.1x | - |
| P / B | 1.0x | - | 1.0x | 1.0x | 1.0x | - | 1.0x | 0.9x | 0.9x | - |
| P / S | - | - | - | - | - | - | - | - | - | - |
| EV / EBITDA | 32.7x | - | 40.8x | 48.5x | 29.6x | - | - | - | - | - |
| Growth | ||||||||||
| Revenue growth (YoY) | - | - | - | - | - | - | - | - | - | - |
| Revenue CAGR (3y) | - | - | - | - | - | - | - | - | - | - |
| Revenue CAGR (5y) | - | - | - | - | - | - | - | - | - | - |
| Gross profit growth (YoY) | - | - | - | - | - | - | - | - | - | - |
| Operating income growth (YoY) | 35.1% | - | -18.9% | -41.6% | 0.2% | - | -4.9% | -6.2% | -23.7% | - |
| Net income growth (YoY) | 32.6% | - | -27.4% | -40.6% | 1.1% | - | 9.8% | -4.9% | -22.4% | - |
| EPS growth (YoY) | 22.7% | - | -32.5% | -40.3% | 0.0% | - | 9.6% | -5.6% | -23.3% | - |
| EPS CAGR (3y) | -2.0% | - | -10.8% | -17.0% | 3.2% | - | 3.1% | 3.7% | 1.6% | - |
| EPS CAGR (5y) | 5.2% | - | -0.7% | -6.2% | 5.7% | - | 20.1% | 11.4% | 7.0% | - |
| FCF growth (YoY) | -61.4% | - | - | - | -0.9% | - | - | - | -51.6% | - |
| FCF CAGR (5y) | -10.3% | - | - | - | 26.8% | - | - | - | 26.0% | - |
| Book value growth (YoY) | 15.1% | 16.2% | 13.3% | 6.8% | 7.3% | 6.1% | 13.8% | 6.9% | 6.7% | 9.8% |
Sales by segment
From XBRL dimensional facts in the 10-K period ending 2021-12-31.
Product / service
$28.39M totalFiduciary And Trust$13.49M · 47.5%
Debit Card$7.37M · 26.0%
Deposit Account$4.91M · 17.3%
Investment Advisory Management And Administrative Service$1.68M · 5.9%
Financial Service Other$939.0K · 3.3%
Peer comparison
Same SIC group: State Commercial Banks
Comparing BAR HARBOR BANKSHARES against the 5 most active filers in the same SIC group.
Dividends
$1.30/share trailing 12 months · +6.6% YoY
| Ex-date | Per share |
|---|---|
| May 21, 2026 | $0.3400 |
| Feb 20, 2026 | $0.3200 |
| Nov 20, 2025 | $0.3200 |
| Aug 14, 2025 | $0.3200 |
| May 15, 2025 | $0.3200 |
| Feb 20, 2025 | $0.3000 |
| Nov 14, 2024 | $0.3000 |
| Aug 15, 2024 | $0.3000 |
| May 15, 2024 | $0.3000 |
| Feb 14, 2024 | $0.2800 |
| Nov 15, 2023 | $0.2800 |
| Aug 15, 2023 | $0.2800 |
| May 15, 2023 | $0.2800 |
| Feb 15, 2023 | $0.2600 |
| Nov 15, 2022 | $0.2600 |
| Aug 15, 2022 | $0.2600 |
| May 16, 2022 | $0.2600 |
| Feb 16, 2022 | $0.2400 |
| Nov 16, 2021 | $0.2400 |
| Aug 16, 2021 | $0.2400 |
| May 17, 2021 | $0.2400 |
| Feb 17, 2021 | $0.2200 |
| Nov 17, 2020 | $0.2200 |
| Aug 17, 2020 | $0.2200 |