BAR HARBOR BANKSHARES

BHB

BAR HARBOR BANKSHARES

BHB

Insider Sentiment (TTM):

Last Purchase:2026-04-28Last Sale:-Shares Purchased (TTM):11,840Shares Sold (TTM):0

Institutional Sentiment:

As of:2026-03-31Institutional Shares Owned:9,063,459Shares Outstanding:16,728,128Institutional Ownership Pct.:54.18%

Earnings Market Reaction:

Filing Date:2026-05-05Price on Filing Date:N/APrevious Close:N/A% Change:N/A

Companies in State Commercial Banks

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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

10‑Q10‑K

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
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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Interactive Financial Visualizations

10‑Q10‑K

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Earnings Market Reaction

10‑Q10‑K

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
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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Insider Transactions

2026-04-28Purchase

Owner: Caras, Matthew L

Title: -

Shares: 760

Price/Share: $34.68

Value: $26,356.80

Shares Owned: 22,894

Relationship: Director

Ownership: Direct

2026-03-02Purchase

Owner: Colter, David M

Title: -

Shares: 500

Price/Share: $32.54

Value: $16,270.00

Shares Owned: 12,687

Relationship: Director

Ownership: Direct

2025-10-30Purchase

Owner: Caras, Matthew L

Title: -

Shares: 580

Price/Share: $29.12

Value: $16,889.60

Shares Owned: 20,524

Relationship: Director

Ownership: Direct

2025-09-10Purchase

Owner: Shaw, Brian D

Title: -

Shares: 10,000

Price/Share: $32.08

Value: $320,800.00

Shares Owned: 17,464

Relationship: Director

Ownership: Direct

2024-06-14Purchase

Owner: Smith, Kenneth Eugene

Title: -

Shares: 309

Price/Share: $25.36

Value: $7,830.66

Shares Owned: 24,508

Relationship: Director

Ownership: Direct

Filed Date	Owner	Relationship	Title	Ownership	Purchase/Sale	No. Shares	Price Per Share	Value	Shares Owned	Document Type
2026-04-28	Caras, Matthew L	Director	-	Direct	Purchase	760	34.68	$26,356.80	22,894	4
2026-03-02	Colter, David M	Director	-	Direct	Purchase	500	32.54	$16,270.00	12,687	4
2025-10-30	Caras, Matthew L	Director	-	Direct	Purchase	580	29.12	$16,889.60	20,524	4
2025-09-10	Shaw, Brian D	Director	-	Direct	Purchase	10,000	32.08	$320,800.00	17,464	4
2024-06-14	Smith, Kenneth Eugene	Director	-	Direct	Purchase	309	25.36	$7,830.66	24,508	4
2024-06-14	Simard, Curtis C	Director,Officer	PRESIDENT/CEO	Direct	Purchase	973	25.21	$24,522.27	107,320	4
2024-06-14	Caras, Matthew L	Director	-	Direct	Purchase	119	25.21	$2,997.97	18,292	4
2024-06-14	Colter, David M	Director	-	Direct	Purchase	17	25.55	$437.42	9,645	4
2024-05-30	Toothaker, Scott G	Director	-	Direct	Purchase	4,476	25.82	$115,570.32	45,000	4
2024-03-19	Smith, Kenneth Eugene	Director	-	Direct	Purchase	208	24.80	$5,152.70	24,199	4
2024-03-19	Simard, Curtis C	Director,Officer	PRESIDENT/CEO	Direct	Purchase	759	24.80	$18,832.38	97,402	4
2024-03-19	Woodside, David B	Director	-	Direct	Purchase	184	24.80	$4,551.54	21,157	4
2024-03-19	Caras, Matthew L	Director	-	Direct	Purchase	112	24.80	$2,766.94	18,173	4
2024-03-15	Colter, David M	Director	-	Direct	Purchase	16	25.02	$408.83	9,628	4
2023-12-18	Smith, Kenneth Eugene	Director	-	Direct	Purchase	18	29.57	$545.57	23,904	5
2023-12-18	Woodside, David B	Director	-	Direct	Purchase	17	29.57	$495.89	20,953	5
2023-12-15	Simard, Curtis C	Director,Officer	PRESIDENT/CEO	Direct	Purchase	669	29.10	$19,462.37	89,118	5
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Institutional Ownership

No data available for chart

2026-03-31

54.18%

Inst. Shares: 9,063,459

Shares Outstanding: 16,728,128

2025-12-31

56.71%

Inst. Shares: 9,013,322

Shares Outstanding: 15,892,423

2025-09-30

54.27%

Inst. Shares: 8,808,943

Shares Outstanding: 16,230,758

2025-06-30

55.82%

Inst. Shares: 8,551,660

Shares Outstanding: 15,320,665

2025-03-31

56.33%

Inst. Shares: 8,620,696

Shares Outstanding: 15,303,645

Date	Institutional Shares Owned	Shares Outstanding	Institutional Ownership %
2026-03-31	9,063,459	16,728,128	54.18%
2025-12-31	9,013,322	15,892,423	56.71%
2025-09-30	8,808,943	16,230,758	54.27%
2025-06-30	8,551,660	15,320,665	55.82%
2025-03-31	8,620,696	15,303,645	56.33%
2024-12-31	8,458,099	15,240,446	55.50%
2024-09-30	8,311,958	15,260,942	54.47%
2024-06-30	8,071,203	15,227,457	53.00%
2024-03-31	7,908,427	15,198,337	52.03%
2023-12-31	7,763,058	15,142,188	51.27%
2023-09-30	7,838,204	15,155,457	51.72%
2023-06-30	7,808,610	15,139,057	51.58%
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BAR HARBOR BANKSHARES (BHB) — SEC Financial Statements & Analysis

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