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 | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 |
|---|---|---|---|---|---|---|
| Revenue | - | - | - | $29.36M | $28.39M | $24.70M |
| Cost of Revenue | - | - | - | - | - | - |
| Gross Profit | - | - | - | - | - | - |
| R&D | - | - | - | - | - | - |
| SG&A | - | - | - | - | - | - |
| Total Operating Expenses | - | - | - | - | - | - |
| D&A | $4.30M | $4.20M | $4.20M | $4.20M | $4.60M | $4.80M |
| Operating Income | $45.94M | $52.61M | $57.12M | $54.84M | $41.65M | $41.65M |
| Interest Expense | - | $74.89M | $56.51M | $12.85M | $15.23M | $26.92M |
| Income Tax | $9.02M | $9.07M | $12.27M | $11.29M | $9.33M | $8.41M |
| Net Income | $36.92M | $43.54M | $44.85M | $43.56M | $39.30M | $33.24M |
| EPS - Basic | $2.32 | $2.86 | $2.96 | $2.90 | $2.63 | $2.18 |
| EPS - Diluted | $2.31 | $2.84 | $2.95 | $2.88 | $2.61 | $2.18 |
Balance Sheet
| Line item | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 |
|---|---|---|---|---|---|---|
| Cash & Equivalents | $80.84M | $72.16M | $94.84M | $92.30M | $250.39M | $226.01M |
| Accounts Receivable | - | - | - | - | - | - |
| Inventory | - | - | - | - | - | - |
| Accounts Payable | - | - | - | - | - | - |
| Current Assets | - | - | - | - | - | - |
| Total Assets | $4.68B | $4.08B | $3.97B | $3.91B | $3.71B | $3.73B |
| Current Liabilities | - | - | - | - | - | - |
| Long-term Debt | $134.84M | $40.89M | $60.74M | $62.88M | $83.72M | $242.57M |
| Total Liabilities | $4.15B | $3.62B | $3.54B | $3.52B | $3.29B | $3.31B |
| Stockholders' Equity | $532.54M | $458.43M | $432.06M | $393.45M | $424.15M | $411.34M |
| Retained Earnings | $314.37M | $297.86M | $272.10M | $243.81M | $215.59M | $195.61M |
Cash Flow
| Line item | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 |
|---|---|---|---|---|---|---|
| Operating Cash Flow | $48.28M | $52.37M | $47.40M | $57.60M | $60.48M | $38.17M |
| Investing Cash Flow | $88.71M | ($141.88M) | ($62.29M) | ($410.58M) | ($6.06M) | $142.75M |
| Financing Cash Flow | ($128.31M) | $66.83M | $17.43M | $194.88M | ($30.03M) | ($11.82M) |
| CapEx | $4.81M | $7.40M | $6.53M | $2.52M | $1.72M | $6.78M |
| Free Cash Flow | $43.47M | $44.98M | $40.87M | $55.08M | $58.76M | $31.40M |
Ratios
| Metric | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 |
|---|---|---|---|---|---|---|
| Profitability | ||||||
| Gross margin | - | - | - | - | - | - |
| Operating margin | - | - | - | 186.8% | 146.7% | 168.6% |
| EBITDA margin | - | - | - | 201.1% | 162.9% | 188.0% |
| Net margin | - | - | - | 148.3% | 138.4% | 134.6% |
| Free cash flow margin | - | - | - | 187.6% | 207.0% | 127.1% |
| FCF / Net income | 1.18 | 1.03 | 0.91 | 1.26 | 1.50 | 0.94 |
| R&D / Revenue | - | - | - | - | - | - |
| SG&A / Revenue | - | - | - | - | - | - |
| Effective tax rate | 19.6% | 17.2% | 21.5% | 20.6% | 19.2% | 20.2% |
| Return on assets | 0.8% | 1.1% | 1.1% | 1.1% | 1.1% | 0.9% |
| Return on equity | 6.9% | 9.5% | 10.4% | 11.1% | 9.3% | 8.1% |
| Return on invested capital | 5.5% | 8.7% | 9.1% | 9.5% | 6.6% | 5.1% |
| Liquidity | ||||||
| Current ratio | - | - | - | - | - | - |
| Quick ratio | - | - | - | - | - | - |
| Cash ratio | - | - | - | - | - | - |
| Leverage | ||||||
| Debt / Equity | 0.25 | 0.09 | 0.14 | 0.16 | 0.20 | 0.59 |
| Debt / Assets | 0.03 | 0.01 | 0.02 | 0.02 | 0.02 | 0.07 |
| Debt / EBITDA | 2.68 | 0.72 | 0.99 | 1.06 | 1.81 | 5.22 |
| Interest coverage | - | 0.7x | 1.0x | 4.3x | 2.7x | 1.5x |
| Equity multiplier | 8.80 | 8.91 | 9.19 | 9.94 | 8.75 | 9.06 |
| Liabilities / Assets | 0.89 | 0.89 | 0.89 | 0.90 | 0.89 | 0.89 |
| Efficiency | ||||||
| Asset turnover | - | - | - | 0.01 | 0.01 | 0.01 |
| Inventory turnover | - | - | - | - | - | - |
| Days sales outstanding | - | - | - | - | - | - |
| Days inventory outstanding | - | - | - | - | - | - |
| Days payable outstanding | - | - | - | - | - | - |
| Cash conversion cycle | - | - | - | - | - | - |
| Valuation | ||||||
| P / E | 13.4x | 10.8x | 10.0x | 11.1x | 11.1x | 10.4x |
| P / B | 0.9x | 1.0x | 1.0x | 1.2x | 1.0x | 0.8x |
| P / S | - | - | - | 16.5x | 15.3x | 14.0x |
| EV / EBITDA | 10.9x | 7.7x | 6.7x | 7.7x | 5.8x | 7.8x |
| Growth | ||||||
| Revenue growth (YoY) | - | - | - | 3.4% | 14.9% | 11.3% |
| Revenue CAGR (3y) | - | - | - | 9.8% | 9.7% | - |
| Revenue CAGR (5y) | - | - | - | - | - | - |
| Gross profit growth (YoY) | - | - | - | - | - | - |
| Operating income growth (YoY) | -12.7% | -7.9% | 4.1% | 31.7% | 0.0% | 55.2% |
| Net income growth (YoY) | -15.2% | -2.9% | 3.0% | 10.8% | 18.2% | 47.0% |
| EPS growth (YoY) | -18.7% | -3.7% | 2.4% | 10.3% | 19.7% | 50.3% |
| EPS CAGR (3y) | -7.1% | 2.9% | 10.6% | 25.7% | 7.2% | 8.6% |
| EPS CAGR (5y) | 1.2% | 14.4% | 6.8% | 11.1% | 1.3% | -2.7% |
| FCF growth (YoY) | -3.4% | 10.0% | -25.8% | -6.3% | 87.2% | 15.4% |
| FCF CAGR (5y) | 6.7% | 10.6% | 4.4% | 32.2% | 36.3% | 9.8% |
| Book value growth (YoY) | 16.2% | 6.1% | 9.8% | -7.2% | 3.1% | 3.8% |
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%
Stability scores
Piotroski F-score
FY 2025 · 9-point quality
3/9
Weak
- ✓Net income positive
- ✓Operating cash flow positive
- ✗ROA improved YoY
- ✓Cash flow > net income
- ✗Long-term debt decreased
- -Current ratio improved
- ✗No share dilution
- -Gross margin improved
- -Asset turnover improved
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 |