BAR HARBOR BANKSHARES
BAR HARBOR BANKSHARES
BAR HARBOR BANKSHARES (BHB) — SEC Financial Statements & Analysis
BAR HARBOR BANKSHARES (BHB) files its annual 10-K and quarterly 10-Q reports directly with the SEC. The financial data below is sourced as-filed from EDGAR — balance sheet, income statement, and cash flow as reported, without normalization or third-party adjustments.
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Financial Statements
Values in Millions ($) | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 | 2025-03-31 | 2024-12-31 | 2024-09-30 | 2024-06-30 | 2024-03-31 | 2023-12-31 | 2023-09-30 | 2023-06-30 | Subscriber-only column | Subscriber-only column | Subscriber-only column | Subscriber-only column | Data beyond 3 years is for subscribers only. Unlock 17+ years of financial data Start 7-day free trial |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Assets | |||||||||||||||||
Cash And Cash Equivalents | |||||||||||||||||
Cash And Due From Banks | 36 | 45 | 43 | 51 | 34 | 34 | 40 | 40 | 31 | 42 | 41 | 47 | |||||
Interest Bearing Deposits In Banks | 47 | 36 | 94 | 36 | 54 | 38 | 41 | 62 | 45 | 53 | 82 | 77 | |||||
Cash And Cash Equivalents At Carrying Value | 82 | 81 | 137 | 87 | 88 | 72 | 81 | 102 | 76 | 95 | 123 | 124 | |||||
Investments Debt And Equi… | |||||||||||||||||
Debt Securities Available For Sale Excluding Accru… | 598 | 597 | 598 | 529 | 514 | 521 | 536 | 513 | 528 | 535 | 509 | 538 | |||||
Debt Securities Available For Sale Amortized Cost … | - | - | - | - | -1 | -1 | 0 | 0 | - | - | - | - | |||||
Marketable Securities | - | - | - | - | - | 533 | 543 | 528 | 538 | 547 | 524 | 556 | |||||
Federal Home Loan Bank Stock | 10 | 11 | 9 | 13 | 11 | 12 | 8 | 15 | 10 | 13 | 15 | 18 | |||||
Loans Receivable Held For Sale Amount | 12 | 5 | 6 | 3 | 2 | 1 | 1 | 4 | 3 | 2 | 2 | 4 | |||||
Loans And Leases Receivab… | |||||||||||||||||
Financing Receivable Excluding Accrued Interest Be… | 3,585 | 3,606 | 3,584 | 3,153 | 3,124 | 3,147 | 3,082 | 3,064 | 3,012 | 2,999 | 2,993 | 3,007 | |||||
Financing Receivable Allowance For Credit Loss Exc… | -34 | -34 | -34 | -29 | -29 | -29 | -29 | -29 | -28 | -28 | -28 | -27 | |||||
Loans And Leases Receivable Allowance | - | - | - | - | - | - | - | - | - | - | -28 | -27 | |||||
Financing Receivable Excluding Accrued Interest Af… | 3,551 | 3,572 | 3,550 | 3,124 | 3,096 | 3,118 | 3,053 | 3,035 | 2,983 | 2,971 | 2,965 | 2,980 | |||||
Property Plant And Equipment Net | 59 | 58 | 59 | 53 | 52 | 51 | 52 | 52 | 48 | 48 | 48 | 47 | |||||
Other Real Estate | - | 0 | - | - | - | 0 | - | - | - | - | - | - | |||||
Goodwill | 142 | 142 | 142 | 119 | 119 | 119 | 119 | 119 | 119 | 119 | 119 | 119 | |||||
Intangible Assets Net Excluding Goodwill | 16 | 16 | 17 | 3 | 4 | 4 | 4 | 4 | 5 | 5 | 5 | 5 | |||||
Bank Owned Life Insurance | 90 | 96 | 96 | 83 | 82 | 82 | 82 | 81 | 81 | 80 | 79 | 79 | |||||
Deferred Income Tax Assets Net | 30 | 30 | 32 | 23 | 23 | 23 | 21 | 25 | 24 | 23 | 28 | 24 | |||||
Other Assets | 87 | 75 | 74 | 75 | 74 | 79 | 73 | 84 | 82 | 80 | 90 | 90 | |||||
Assets | 4,676 | 4,684 | 4,717 | 4,112 | 4,063 | 4,083 | 4,030 | 4,034 | 3,959 | 3,971 | 3,984 | 4,029 | |||||
Liabilities | |||||||||||||||||
Deposits | |||||||||||||||||
Deposits Negotiable Order Of Withdrawal N O W | - | - | - | - | - | - | - | - | - | 947 | 929 | 911 | |||||
Noninterest Bearing Domestic Deposit Demand | 651 | 671 | 693 | 552 | 547 | 576 | 605 | 553 | 544 | 570 | 618 | 603 | |||||
Interest Bearing Domestic Deposit Negotiable Order… | 1,153 | 1,138 | 1,137 | 932 | 930 | 910 | 914 | 882 | 889 | 947 | - | - | |||||
Deposits Savings Deposits | 649 | 635 | 647 | 543 | 551 | 546 | 544 | 545 | 551 | 554 | 572 | 589 | |||||
Deposits Money Market Deposits | 493 | 465 | 489 | 371 | 405 | 406 | 381 | 359 | 365 | 370 | 362 | 352 | |||||
Time Deposits | 921 | 913 | 982 | 895 | 863 | 830 | 817 | 801 | 777 | 700 | 658 | 636 | |||||
Deposits | 3,868 | 3,821 | 3,948 | 3,292 | 3,297 | 3,268 | 3,261 | 3,140 | 3,127 | 3,141 | 3,140 | 3,090 | |||||
Subordinated Borrowings | |||||||||||||||||
Senior Notes | 162 | 217 | 140 | 256 | 200 | 250 | 186 | 329 | 269 | 271 | 307 | 399 | |||||
Junior Subordinated Notes | 53 | 53 | 52 | 41 | 41 | 41 | 61 | 61 | 61 | 60 | 60 | 60 | |||||
Debt And Capital Lease Obligations | 216 | 270 | 192 | 297 | 241 | 291 | 247 | 390 | 330 | 332 | 367 | 459 | |||||
Other Liabilities | 55 | 60 | 56 | 54 | 59 | 67 | 62 | 65 | 66 | 66 | 72 | 68 | |||||
Liabilities | 4,138 | 4,151 | 4,196 | 3,643 | 3,596 | 3,625 | 3,570 | 3,595 | 3,523 | 3,539 | 3,580 | 3,618 | |||||
Stockholders Equity | |||||||||||||||||
Common Stock Value | 35 | 35 | 35 | 33 | 33 | 33 | 33 | 33 | 33 | 33 | 33 | 33 | |||||
Additional Paid In Capital Common Stock | 234 | 233 | 233 | 196 | 195 | 195 | 194 | 193 | 193 | 193 | 193 | 192 | |||||
Retained Earnings Accumulated Deficit | 323 | 314 | 308 | 305 | 303 | 298 | 291 | 284 | 278 | 272 | 266 | 259 | |||||
Accumulated Other Comprehensive Income Loss Net Of… | -39 | -35 | -40 | -49 | -49 | -52 | -43 | -55 | -53 | -50 | -71 | -58 | |||||
Treasury Stock Value | - | - | - | - | - | - | - | - | - | - | - | -16 | |||||
Treasury Stock Common Value | -15 | -15 | -15 | -15 | -15 | -15 | -15 | -16 | -16 | -16 | -16 | - | |||||
Stockholders Equity | 538 | 533 | 521 | 469 | 467 | 458 | 460 | 439 | 436 | 432 | 404 | 411 | |||||
Liabilities And Stockholders Equity | 4,676 | 4,684 | 4,717 | 4,112 | 4,063 | 4,083 | 4,030 | 4,034 | 3,959 | 3,971 | 3,984 | 4,029 | |||||
Common Stock Par Or Stated Value Per Share | 2 | 2 | 2 | 2 | 2 | 2 | 2 | 2 | 2 | 2 | 2 | 2 | |||||
Common Stock Shares Authorized | 30 | 30 | 30 | 30 | 20 | 20 | 20 | 20 | 20 | 20 | 20 | 20 | |||||
Common Stock Shares Issued | 18 | 18 | 18 | 16 | 16 | 16 | 16 | 16 | 16 | 16 | 16 | 16 | |||||
Shares Outstanding | 17 | 17 | 17 | 15 | 15 | 15 | 15 | 15 | 15 | 15 | 15 | 15 | |||||
Treasury Stock Common Shares | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | |||||
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Earnings Market Reaction
| Fiscal Year | Q1 1 Month | Q1 2 Month | Q1 3 Month | Q2 1 Month | Q2 2 Month | Q2 3 Month | Q3 1 Month | Q3 2 Month | Q3 3 Month | Q4 1 Month | Q4 2 Month | Q4 3 Month |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 2026 | 1.31% | 13.29% | - | - | - | - | - | - | - | - | - | - |
| 2025 | -3.35% | -1.29% | 0.87% | 9.04% | 4.75% | 4.68% | 4.69% | 11.81% | 18.13% | 6.13% | 11.16% | 13.21% |
| 2024 | 1.63% | 3.98% | 26.62% | 13.76% | 7.16% | 15.01% | 1.28% | -14.88% | -12.48% | -5.19% | 3.24% | 0.24% |
| 2023 | 10.19% | 7.44% | 17.99% | -6.73% | -11.17% | -8.72% | 8.49% | 16.25% | 8.69% | -1.14% | 3.24% | 4.92% |
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Performance and Valuation Metrics
Metrics | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 | 2025-03-31 | 2024-12-31 | 2024-09-30 | 2024-06-30 | 2024-03-31 | 2023-12-31 | 2023-09-30 | 2023-06-30 | Subscriber-only column | Subscriber-only column | Subscriber-only column | Subscriber-only column | Data beyond 3 years is for subscribers only. Unlock 17+ years of financial data Start 7-day free trial |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Leverage & Debt | |||||||||||||||||
| Interest Coverage TTM | -0.65 | -0.33 | 0.14 | 0.86 | 1.70 | 1.70 | 1.70 | 1.75 | 1.82 | 2.01 | 2.35 | 2.89 | |||||
Per Share Metrics | |||||||||||||||||
| Diluted EPS TTM | 2.39 | 2.31 | 2.22 | 2.57 | 2.84 | 2.84 | 2.77 | 2.71 | 2.75 | 2.95 | 3.12 | 3.15 | |||||
| Free Cash Flow Per Share TTM | 2.31 | 2.73 | 2.40 | 3.00 | 2.93 | 2.95 | 3.01 | 2.68 | 2.14 | 2.70 | 2.88 | 2.98 | |||||
| Dividend Per Share TTM | 1.27 | 1.28 | 1.21 | 1.22 | 1.19 | 1.17 | 1.14 | 1.13 | 1.11 | 1.09 | 1.07 | 1.06 | |||||
Margin Metrics | |||||||||||||||||
| Gross Profit Margin TTM | 65.53% | 64.18% | 53.68% | 51.57% | 50.95% | 50.91% | 60.71% | 61.98% | 63.91% | 67.56% | 73.16% | 79.34% | |||||
| Operating Profit Margin TTM | 23.20% | 21.92% | 22.42% | 24.61% | 27.64% | 27.88% | 27.61% | 28.51% | 29.61% | 32.79% | 36.26% | 39.15% | |||||
| Net Profit Margin TTM | 18.53% | 17.62% | 18.11% | 20.54% | 22.93% | 23.07% | 22.72% | 22.55% | 23.34% | 25.75% | 28.48% | 30.91% | |||||
Growth Metrics | |||||||||||||||||
| Net Revenue Growth (1Y) | 14.07% | 11.02% | 6.72% | 4.73% | 6.00% | 8.35% | 12.33% | 18.86% | 27.98% | 37.66% | 44.94% | 39.51% | |||||
| Net Income Growth (1Y) | -7.82% | -15.21% | -14.90% | -4.60% | 4.11% | -2.92% | -10.39% | -13.29% | -11.64% | 2.97% | 16.19% | 18.15% | |||||
| EPS Growth (1Y) | -15.67% | -18.69% | -19.99% | -5.18% | 3.40% | -3.54% | -11.01% | -13.79% | -12.15% | 2.28% | 15.44% | 17.21% | |||||
Valuation Metrics | |||||||||||||||||
| P/E TTM | 13.36 | 13.11 | 13.27 | 11.16 | 9.83 | 10.09 | 10.35 | 9.14 | 8.77 | 8.96 | 6.75 | 6.91 | |||||
| P/B | 1.00 | 0.91 | 0.92 | 0.94 | 0.92 | 0.96 | 0.96 | 0.86 | 0.84 | 0.93 | 0.79 | 0.80 | |||||
| P/S TTM | 2.47 | 2.31 | 2.40 | 2.29 | 2.25 | 2.33 | 2.35 | 2.06 | 2.05 | 2.31 | 1.92 | 2.14 | |||||
| Market Cap | 537.48M | 484.09M | 479.66M | 440.94M | 429.25M | 439.15M | 439.72M | 378.41M | 367.79M | 401.65M | 320.19M | 330.05M | |||||
| Enterprise Value | 670.98M | 672.90M | 535.14M | 650.96M | 581.72M | 657.59M | 605.29M | 666.46M | 621.51M | 638.32M | 564.87M | 665.61M | |||||
Calculated Values | |||||||||||||||||
| Free Cash Flow TTM | 38.69M | 43.47M | 38.90M | 45.91M | 44.91M | 44.98M | 45.99M | 40.81M | 32.51M | 40.87M | 43.59M | 45.17M | |||||
| Net Debt | 133.50M | 188.81M | 55.47M | 210.03M | 152.47M | 218.44M | 165.57M | 288.05M | 253.72M | 236.66M | 244.68M | 335.56M | |||||
Per-Share and Margin | |||||||||||||||||
| EPS TTM | |||||||||||||||||
| Adjusted EPS TTM | |||||||||||||||||
| Cash Flow Per Share TTM | |||||||||||||||||
| Pretax Margin TTM | |||||||||||||||||
| Stock Comp to Revenue TTM | |||||||||||||||||
Turnover Ratios and Averages | |||||||||||||||||
| Average Assets | |||||||||||||||||
| Average Equity | |||||||||||||||||
| Average Inventory | |||||||||||||||||
| Average Receivables | |||||||||||||||||
| Average Accounts Payables | |||||||||||||||||
| Inventory Turnover TTM | |||||||||||||||||
| Payables Turnover TTM | |||||||||||||||||
| Days Inventory Outstanding TTM | |||||||||||||||||
| Days Payables Outstanding TTM | |||||||||||||||||
| Cash Conversion Cycle TTM | |||||||||||||||||
| Working Capital to Revenue | |||||||||||||||||
| Deferred Revenue to Revenue | |||||||||||||||||
Growth Rates | |||||||||||||||||
| Total Assets Growth (1Y) | |||||||||||||||||
| Total Assets Growth (3Y) | |||||||||||||||||
| Total Assets Growth (5Y) | |||||||||||||||||
| Dividends Paid Growth (1Y) | |||||||||||||||||
| Dividends Paid Growth (3Y) | |||||||||||||||||
| Dividends Paid Growth (5Y) | |||||||||||||||||
| EPS Growth (3Y) | |||||||||||||||||
| EPS Growth (5Y) | |||||||||||||||||
| Net Income Growth (3Y) | |||||||||||||||||
| Net Income Growth (5Y) | |||||||||||||||||
| Net Profit Margin Growth (1Y) | |||||||||||||||||
| Net Profit Margin Growth (3Y) | |||||||||||||||||
| Net Profit Margin Growth (5Y) | |||||||||||||||||
| Net Revenue Growth (3Y) | |||||||||||||||||
| Net Revenue Growth (5Y) | |||||||||||||||||
| Deferred Revenue Growth (1Y) | |||||||||||||||||
| Retained Earnings Growth (1Y) | |||||||||||||||||
Credit, Liquidity, Returns, Payout | |||||||||||||||||
| Cash Ratio | |||||||||||||||||
| Net Working Capital | |||||||||||||||||
| Debt to EBITDA TTM | |||||||||||||||||
| Net Debt to EBITDA TTM | |||||||||||||||||
| Net Debt to Equity | |||||||||||||||||
| Altman A | |||||||||||||||||
| Altman B | |||||||||||||||||
| Altman C | |||||||||||||||||
| Altman D | |||||||||||||||||
| Altman E | |||||||||||||||||
| Altman Z-Score | |||||||||||||||||
| ROA TTM | |||||||||||||||||
| ROE TTM | |||||||||||||||||
| NOPAT TTM | |||||||||||||||||
| ROIC TTM | |||||||||||||||||
| Effective Tax Rate TTM | |||||||||||||||||
| Payout Ratio TTM | |||||||||||||||||
| Dilution Ratio | |||||||||||||||||
| Retained Earnings to Equity | |||||||||||||||||
| Treasury Stock to Equity | |||||||||||||||||
| Treasury Stock Change (1Y) | |||||||||||||||||
| Accrued to Current Liabilities | |||||||||||||||||
Valuation Ratios | |||||||||||||||||
| P/CF TTM | |||||||||||||||||
| Dividend Yield TTM | |||||||||||||||||
| Free Cash Flow Yield TTM | |||||||||||||||||
| EV EBITDA TTM | |||||||||||||||||
| EV EBIT TTM | |||||||||||||||||
| Stock Compensation TTM | |||||||||||||||||
| Adjusted Net Income TTM | |||||||||||||||||
| Billings TTM | |||||||||||||||||
| Total Debt | |||||||||||||||||
| Invested Capital | |||||||||||||||||
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