NYSEAMERICAN : BHB
Bar Harbor Bankshares — Financial statements
Financials · Banks - Regional · United States
Last price 40.44 USD (Oct 30, 2026, 4:00 PM EDT) · Market cap 678.02M
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Financial statements
Income statement
Fiscal year January - December; amounts in USD.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Interest Income on Loans | 199.08M | 183.12M | 163.85M | 149.42M | 107.80M | 95.24M |
| Interest Income on Investments | 27.84M | 26.40M | 24.88M | 24.76M | 18.73M | 15.57M |
| Total Interest Income | 226.92M | 209.52M | 188.72M | 174.18M | 126.53M | 110.80M |
| Interest Paid on Deposits | 60.71M | 63.52M | 61.70M | 38.23M | 7.34M | 8.54M |
| Interest Paid on Borrowings | 12.09M | 11.52M | 13.19M | 18.27M | 5.50M | 6.69M |
| Total Interest Expense | 72.80M | 75.04M | 74.89M | 56.51M | 12.85M | 15.23M |
| Net Interest Income | 154.12M | 134.48M | 113.84M | 117.67M | 113.68M | 95.57M |
| Trust Income | 16.86M | 16.07M | 15.70M | 14.28M | 14.57M | 15.18M |
| Mortgage Banking Activities | 2.67M | 1.97M | 2.09M | 1.59M | 1.58M | 6.54M |
| Gain (Loss) on Sale of Assets | -551.00K | -257.00K | 192.00K | -182.00K | -10.00K | -378.00K |
| Gain (Loss) on Sale of Investments | -1.39M | -5.33M | 50.00K | 34.00K | 53.00K | 2.87M |
| Other Non-Interest Income | 25.17M | 21.75M | 19.04M | 19.17M | 18.44M | 17.68M |
| Total Non-Interest Income | 42.77M | 34.20M | 37.08M | 34.89M | 34.64M | 41.88M |
| Revenues Before Loan Losses | 196.89M | 168.68M | 150.92M | 152.57M | 148.32M | 137.46M |
| Provision for Loan Losses | 1.80M | 5.27M | 2.13M | 2.91M | 2.90M | -1.30M |
| Revenue | 195.08M | 163.41M | 148.79M | 149.66M | 145.41M | 138.76M |
| Salaries and Employee Benefits | 62.51M | 57.45M | 51.56M | 49.87M | 46.72M | 44.97M |
| Occupancy Expenses | 18.89M | 16.85M | 16.32M | 15.76M | 15.83M | 14.83M |
| Federal Deposit Insurance | 2.18M | 1.92M | 1.81M | 1.74M | 1.02M | |
| Amortization of Goodwill & Intangibles | 2.33M | 1.51M | 932.00K | 932.00K | 932.00K | 940.00K |
| Selling, General & Administrative | 12.03M | 11.80M | 10.71M | 10.13M | 9.31M | 9.82M |
| Other Non-Interest Expense | 19.49M | 17.34M | 14.83M | 13.83M | 16.49M | 15.05M |
| Total Non-Interest Expense | 117.42M | 106.88M | 96.16M | 92.26M | 90.30M | 85.61M |
| EBT Excluding Unusual Items | 77.66M | 56.53M | 52.63M | 57.40M | 55.11M | 53.15M |
| Other Unusual Items | -2.85M | |||||
| Pretax Income | 71.46M | 45.94M | 52.61M | 57.12M | 54.84M | 48.63M |
| Income Tax Expense | 14.85M | 9.02M | 9.07M | 12.27M | 11.29M | 9.33M |
| Net Income | 56.61M | 36.92M | 43.54M | 44.85M | 43.56M | 39.30M |
| Net Income to Common | 56.61M | 36.92M | 43.54M | 44.85M | 43.56M | 39.30M |
| Basic Shares Outstanding | 16.74M | 15.89M | 15.24M | 15.14M | 15.04M | 14.97M |
| Diluted Shares Outstanding | 16.80M | 15.96M | 15.31M | 15.20M | 15.11M | 15.05M |
| EPS (Basic) | 3.38 | 2.32 | 2.86 | 2.96 | 2.90 | 2.63 |
| EPS (Diluted) | 3.37 | 2.31 | 2.84 | 2.95 | 2.88 | 2.61 |
| Dividend Per Share | 1.32 | 1.26 | 1.18 | 1.10 | 1.02 | 0.94 |
| Effective Tax Rate | 20.78% | 19.63% | 17.24% | 21.47% | 20.58% | 19.18% |
Balance sheet
Fiscal year January - December; amounts in USD.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Cash & Equivalents | 74.82M | 80.84M | 72.16M | 94.84M | 92.30M | 250.39M |
| Investment Securities | 581.30M | 182.98M | 199.65M | 208.03M | 204.73M | 237.83M |
| Trading Asset Securities | 8.81M | 18.86M | 21.84M | 30.04M | 14.15M | |
| Mortgage-Backed Securities | 414.44M | 320.80M | 326.55M | 354.79M | 380.45M | |
| Total Investments | 581.30M | 606.23M | 539.31M | 556.41M | 589.55M | 632.42M |
| Gross Loans | 3.61B | 3.64B | 3.15B | 3.00B | 2.91B | 2.54B |
| Allowance for Loan Losses | -31.76M | -34.05M | -28.74M | -28.14M | -25.86M | -22.72M |
| Other Adjustments to Gross Loans | -36.74M | -2.44M | -2.89M | -3.51M | -4.76M | |
| Net Loans | 3.58B | 3.57B | 3.12B | 2.97B | 2.88B | 2.51B |
| Property, Plant & Equipment | 61.41M | 67.44M | 59.82M | 55.16M | 55.70M | 58.66M |
| Goodwill | 141.82M | 141.82M | 119.48M | 119.48M | 119.48M | 119.48M |
| Other Intangible Assets | 14.66M | 16.41M | 3.94M | 4.87M | 5.80M | 6.73M |
| Loans Held for Sale | 10.74M | 5.28M | 1.24M | 2.19M | 5.52M | |
| Accrued Interest Receivable | 11.50M | 10.50M | 11.90M | 10.70M | 6.30M | |
| Other Receivables | 1.54M | 1.48M | 1.18M | 1.21M | 1.18M | |
| Other Current Assets | 419.00K | 1.15M | 252.00K | 226.00K | ||
| Long-Term Deferred Tax Assets | 36.89M | 29.93M | 23.33M | 22.98M | 24.44M | 5.55M |
| Other Real Estate Owned & Foreclosed | 7.15M | |||||
| Other Long-Term Assets | 185.25M | 139.79M | 121.07M | 117.03M | 118.65M | 106.20M |
| Total Assets | 4.70B | 4.68B | 4.08B | 3.97B | 3.91B | 3.71B |
| Interest Bearing Deposits | 3.24B | 2.62B | 2.30B | 2.25B | 2.20B | 2.14B |
| Institutional Deposits | 528.55M | 390.63M | 318.36M | 166.18M | 243.95M | |
| Non-Interest Bearing Deposits | 702.67M | 670.79M | 575.65M | 569.71M | 676.35M | 664.42M |
| Total Deposits | 3.94B | 3.82B | 3.27B | 3.14B | 3.04B | 3.05B |
| Short-Term Borrowings | 141.49M | 266.28M | 289.37M | 356.60M | 110.06M | |
| Current Portion of Leases | 1.69M | |||||
| Long-Term Debt | 157.42M | 52.83M | 40.62M | 60.46M | 60.29M | 60.12M |
| Federal Home Loan Bank Debt, Long-Term | 82.02M | 269.00K | 279.00K | 2.59M | 23.60M | |
| Long-Term Leases | 8.30M | 9.24M | 7.32M | 8.50M | 9.64M | |
| Long-Term Unearned Revenue | 3.34M | 1.36M | 1.77M | 2.35M | 2.32M | |
| Pension & Post-Retirement Benefits | 7.56M | 7.56M | 8.22M | 8.59M | 10.61M | |
| Other Long-Term Liabilities | 72.89M | 32.85M | 31.89M | 30.24M | 34.01M | 20.19M |
| Total Liabilities | 4.17B | 4.15B | 3.62B | 3.54B | 3.52B | 3.29B |
| Common Stock | 535.61M | 35.47M | 32.86M | 32.86M | 32.86M | 32.86M |
| Additional Paid-In Capital | 233.34M | 194.61M | 193.11M | 191.92M | 190.88M | |
| Retained Earnings | 314.37M | 297.86M | 272.10M | 243.81M | 215.59M | |
| Treasury Stock | -15.23M | -15.36M | -16.15M | -16.80M | -17.48M | |
| Comprehensive Income & Other | -35.41M | -51.54M | -49.86M | -58.34M | 2.30M | |
| Shareholders' Equity | 535.61M | 532.54M | 458.43M | 432.06M | 393.45M | 424.15M |
| Total Liabilities & Equity | 4.70B | 4.68B | 4.08B | 3.97B | 3.91B | 3.71B |
| Total Debt | 157.42M | 286.32M | 316.41M | 357.43M | 427.98M | 203.42M |
| Net Cash (Debt) | -82.60M | -196.67M | -225.39M | -240.75M | -305.64M | 61.11M |
| Net Cash Per Share | -4.92 | -12.33 | -14.72 | -15.84 | -20.23 | 4.06 |
| Filing Date Shares Outstanding | 16.77M | 16.74M | 15.32M | 15.19M | 15.12M | 15.01M |
| Total Common Shares Outstanding | 16.77M | 16.70M | 15.28M | 15.17M | 15.08M | 15.00M |
| Book Value Per Share | 31.95 | 31.88 | 30.00 | 28.48 | 26.09 | 28.27 |
| Tangible Book Value | 379.13M | 374.31M | 335.01M | 307.71M | 268.17M | 297.94M |
| Tangible Book Value Per Share | 22.61 | 22.41 | 21.93 | 20.28 | 17.78 | 19.86 |
Cash flow statement
Fiscal year January - December; amounts in USD.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Net Income | 36.92M | 43.54M | 44.85M | 43.56M | 39.30M | |
| Depreciation & Amortization | 6.15M | 5.13M | 6.33M | 6.42M | 6.60M | |
| Gain (Loss) on Sale of Assets | 257.00K | -192.00K | 182.00K | 10.00K | 378.00K | |
| Gain (Loss) on Sale of Investments | 4.93M | 1.60M | 2.40M | 2.82M | 1.60M | |
| Total Asset Writedown | -2.27M | |||||
| Provision for Credit Losses | 5.27M | 2.13M | 2.91M | 2.90M | -1.30M | |
| Net Decrease (Increase) in Loans Originated / Sold - Operating | -4.21M | 954.00K | -2.19M | 5.52M | 18.58M | |
| Change in Other Net Operating Assets | 1.78M | 296.00K | -6.34M | -4.55M | -4.11M | |
| Other Operating Activities | -5.90M | -4.38M | -3.38M | -2.71M | -1.75M | |
| Operating Cash Flow | 48.28M | 52.37M | 47.40M | 55.91M | 59.17M | |
| Capital Expenditures | -4.81M | -7.40M | -6.53M | -2.52M | -1.72M | |
| Sale of Property, Plant and Equipment | 406.00K | 1.41M | 413.00K | 288.00K | ||
| Cash Acquisitions | 77.52M | |||||
| Investment in Securities | 52.40M | 10.89M | 34.66M | -28.15M | -45.32M | |
| Net Decrease (Increase) in Loans Originated / Sold - Investing | -42.10M | -147.34M | -96.84M | -370.71M | 34.31M | |
| Other Investing Activities | 5.30M | 551.00K | 6.01M | -7.51M | 7.68M | |
| Investing Cash Flow | 88.71M | -141.88M | -62.29M | -408.89M | -4.75M | |
| Short-Term Debt Issued | 235.57M | 1.35M | ||||
| Long-Term Debt Issued | 159.00K | |||||
| Total Debt Issued | 159.00K | 235.57M | 1.35M | |||
| Short-Term Debt Repaid | -114.91M | -21.05M | -60.60M | |||
| Long-Term Debt Repaid | -14.47M | -20.01M | -2.32M | -20.02M | -159.02M | |
| Total Debt Repaid | -129.38M | -41.06M | -62.92M | -20.02M | -159.02M | |
| Net Debt Issued (Repaid) | -129.38M | -40.90M | -62.92M | 215.55M | -157.68M | |
| Common Dividends Paid | -20.40M | -17.79M | -16.57M | -15.33M | -14.07M | |
| Net Increase (Decrease) in Deposit Accounts | 22.30M | 126.53M | 97.73M | -5.11M | 142.33M | |
| Other Financing Activities | -827.00K | -1.00M | -805.00K | -215.00K | -615.00K | |
| Financing Cash Flow | -128.31M | 66.83M | 17.43M | 194.88M | -30.03M | |
| Net Cash Flow | 8.68M | -22.68M | 2.55M | -158.09M | 24.38M | |
| Free Cash Flow | 43.47M | 44.98M | 40.87M | 53.39M | 57.45M | |
| Free Cash Flow Margin | 26.60% | 30.23% | 27.31% | 36.72% | 41.40% | |
| Free Cash Flow Per Share | 2.72 | 2.94 | 2.69 | 3.53 | 3.82 | |
| Cash Interest Paid | 73.12M | 73.40M | 51.97M | 12.45M | 16.35M | |
| Cash Income Tax Paid | 6.60M | 9.86M | 15.03M | 10.60M | 8.86M |
Ratios
Fiscal year January - December; amounts in USD.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Market Capitalization | 678.02M | 518.18M | 466.89M | 444.98M | 482.70M | 433.57M |
| Last Close Price | 40.44 | 30.20 | 28.57 | 26.30 | 27.52 | 23.98 |
| PE Ratio | 11.99 | 14.04 | 10.72 | 9.92 | 11.08 | 11.03 |
| PS Ratio | 3.48 | 3.17 | 3.14 | 2.97 | 3.32 | 3.12 |
| PB Ratio | 1.27 | 0.97 | 1.02 | 1.03 | 1.23 | 1.02 |
| P/FCF Ratio | 11.86 | 11.92 | 10.38 | 10.89 | 9.04 | 7.55 |
| P/OCF Ratio | 10.58 | 10.73 | 8.91 | 9.39 | 8.63 | 7.33 |
| Debt / Equity Ratio | 0.29 | 0.54 | 0.69 | 0.83 | 1.09 | 0.48 |
| Debt / FCF Ratio | 6.59 | 7.04 | 8.75 | 8.02 | 3.54 | |
| Net Debt / Equity Ratio | 0.15 | 0.37 | 0.49 | 0.56 | 0.78 | -0.14 |
| Net Debt / FCF Ratio | 4.53 | 5.01 | 5.89 | 5.72 | -1.06 | |
| Return on Equity (ROE) | 10.71% | 7.45% | 9.78% | 10.87% | 10.66% | 9.46% |
| Return on Assets (ROA) | 1.20% | 0.84% | 1.08% | 1.14% | 1.14% | 1.06% |
| Earnings Yield | 8.34% | 7.12% | 9.33% | 10.08% | 9.02% | 9.06% |
| FCF Yield | 8.43% | 8.39% | 9.63% | 9.19% | 11.06% | 13.25% |
| Dividend Yield | 3.36% | 4.06% | 3.86% | 3.75% | 3.19% | 3.25% |
| Payout Ratio | 40.33% | 55.27% | 40.85% | 36.94% | 35.20% | 35.81% |
| Buyback Yield / Dilution | -7.67% | -4.21% | -0.76% | -0.55% | -0.44% | 1.48% |
| Total Shareholder Return | -4.30% | -0.15% | 3.10% | 3.20% | 2.74% | 4.73% |