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Financials · BHB

Bar Harbor Bankshares Inc. (BHB) financials

For the twelve months ended Sep 30, 2026, Bar Harbor Bankshares Inc. reported $197.44M of revenue and $56.61M of net income.

Revenue, TTM
$197.44M
Revenue growth, YoY
+24.6%
Net income, TTM
$56.61M
Net income growth, YoY
+56.6%
Net margin
28.7%
Free cash flow, TTM
$59.01M
EPS, diluted, TTM
$3.39
EPS growth, YoY
+46.8%
Cash
$74.82M
Total debt
$108.14M
P/E
12.34
P/S
3.54
Market cap
$698.5M
Annual revenue$168.93M
FY2016FY2025
Annual net income$36.92M
FY2016FY2025
Annual free cash flow$43.47M
FY2016FY2025

BHB revenue and earnings growth

BHB revenueQ3 2026$51.56M

Quarter YoY
+8.5%
QoQ
+3.8%
FY YoY
+12.1%
5Y CAGR
+3.5%
10Y CAGR
+12.1%

BHB revenue was $51.56M in fiscal Q3 2026 (ended Sep 30, 2026), up 8.5% from a year earlier and up 3.8% from the prior quarter. For the full fiscal 2025 it was $168.93M, up 12.1% from fiscal 2024. Compound annual growth was +3.5% over 5 years and +12.1% over 10 years. It rose in 8 of the last 10 fiscal years. Fiscal 2025 is the highest of the 15 fiscal years on file.

BHB net incomeQ3 2026$16.09M

Quarter YoY
+81.7%
QoQ
+5.7%
FY YoY
-15.2%
5Y CAGR
+2.1%
10Y CAGR
+9.3%

BHB net income was $16.09M in fiscal Q3 2026 (ended Sep 30, 2026), up 81.7% from a year earlier and up 5.7% from the prior quarter. For the full fiscal 2025 it was $36.92M, down 15.2% from fiscal 2024. Compound annual growth was +2.1% over 5 years and +9.3% over 10 years. It rose in 6 of the last 10 fiscal years.

BHB EPSQ3 2026$0.96

Quarter YoY
+77.8%
QoQ
+5.5%
FY YoY
-18.7%
5Y CAGR
+1.2%

BHB diluted EPS was $0.96 in fiscal Q3 2026 (ended Sep 30, 2026), up 77.8% from a year earlier and up 5.5% from the prior quarter. For the full fiscal 2025 it was $2.31, down 18.7% from fiscal 2024. Compound annual growth was +1.2% over 5 years.

BHB free cash flowQ3 2026$17.27M

Quarter YoY
+11.9%
QoQ
-20.7%
FY YoY
-3.4%
5Y CAGR
+25.6%
10Y CAGR
+8.9%

BHB free cash flow was $17.27M in fiscal Q3 2026 (ended Sep 30, 2026), up 11.9% from a year earlier and down 20.7% from the prior quarter. For the full fiscal 2025 it was $43.47M, down 3.4% from fiscal 2024. Compound annual growth was +25.6% over 5 years and +8.9% over 10 years. It rose in 3 of the last 10 fiscal years.

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Income statement

Income statement
Line item
FY2025
Dec 31, 2025
FY2024
Dec 31, 2024
FY2023
Dec 31, 2023
FY2022
Dec 31, 2022
FY2021
Dec 31, 2021
FY2020
Dec 31, 2020
FY2019
Dec 31, 2019
FY2018
Dec 31, 2018
FY2017
Dec 31, 2017
FY2016
Dec 31, 2016
Revenue$168.93M$150.73M$152.75M$148.33M$137.83M$142.14M$118.88M$118.82M$118.14M$57.72M
Interest expense-$74.89M$56.51M$12.85M$15.23M$26.92M$45.58M$36.57M$23.91M$12.11M
Pre-tax income$45.94M$52.61M$57.12M$54.84M$48.63M$41.65M$26.83M$40.50M$42.62M$20.81M
Income tax$9.02M$9.07M$12.27M$11.29M$9.33M$8.41M$4.21M$7.56M$16.63M$5.88M
Net income$36.92M$43.54M$44.85M$43.56M$39.30M$33.24M$22.62M$32.94M$25.99M$14.93M
EPS, basic$2.32$2.86$2.96$2.90$2.63$2.18$1.46$2.13$1.71$1.65
EPS, diluted$2.31$2.84$2.95$2.88$2.61$2.18$1.45$2.12$1.70$1.63
Diluted shares16.0M15.3M15.2M15.1M15.0M15.3M15.6M15.6M15.3M9.1M

Balance sheet

Balance sheet
Line item
FY2025
Dec 31, 2025
FY2024
Dec 31, 2024
FY2023
Dec 31, 2023
FY2022
Dec 31, 2022
FY2021
Dec 31, 2021
FY2020
Dec 31, 2020
FY2019
Dec 31, 2019
FY2018
Dec 31, 2018
FY2017
Dec 31, 2017
FY2016
Dec 31, 2016
Cash and equivalents$80.84M$72.16M$94.84M$92.30M$250.39M$226.01M$56.91M$98.75M$90.69M$8.44M
Goodwill$141.82M$119.48M$119.48M$119.48M$119.48M$119.48M$118.65M$100.08M$100.08M$4.93M
Total assets$4.68B$4.08B$3.97B$3.91B$3.71B$3.72B$3.67B$3.61B$3.57B$1.76B
Short-term debt$134.80M$249.71M$270.76M$331.37M$94.80M$93.45M$348.12M$647.89M$649.50M$394.48M
Total debt$134.84M$40.89M$60.74M$62.88M$83.72M$242.57M$183.20M$75.90M$180.22M$142.12M
Total liabilities$4.15B$3.62B$3.54B$3.52B$3.29B$3.32B$3.27B$3.24B$3.21B$1.60B
Shareholders' equity$532.54M$458.43M$432.06M$393.45M$424.15M$407.06M$396.29M$370.58M$354.64M$156.74M

Cash flow

Cash flow
Line item
FY2025
Dec 31, 2025
FY2024
Dec 31, 2024
FY2023
Dec 31, 2023
FY2022
Dec 31, 2022
FY2021
Dec 31, 2021
FY2020
Dec 31, 2020
FY2019
Dec 31, 2019
FY2018
Dec 31, 2018
FY2017
Dec 31, 2017
FY2016
Dec 31, 2016
Operating cash flow$48.28M$52.37M$47.40M$55.91M$59.17M$20.68M$30.07M$37.72M$40.35M$16.79M
Capital expenditures$4.81M$7.40M$6.53M$2.52M$1.72M$6.78M$9.19M$4.79M$3.16M$4.30M
Free cash flow$43.47M$44.98M$40.87M$53.39M$57.45M$13.91M$20.89M$32.93M$37.20M$12.49M
Investing cash flow$88.71M-$141.88M-$62.29M-$408.89M-$4.75M$160.24M-$78.65M-$43.96M-$159.01M-$181.89M
Financing cash flow-$128.31M$66.83M$17.43M$194.88M-$30.03M-$11.82M$6.73M$14.31M$200.90M$163.81M
Dividends paid$20.40M$17.79M$16.57M$15.33M$14.07M$13.42M$13.37M$12.18M$11.51M$6.58M
Share repurchases-----$14.19M$239.0K$324.0K$282.0K$497.0K
Stock-based compensation$3.08M$3.29M$2.65M$1.94M$2.15M$1.57M$1.37M$1.35M$1.27M$1.28M
Depreciation and amortization------$4.14M$3.70M$3.55M$1.55M

Key ratios

Key ratios
Line item
FY2025
Dec 31, 2025
FY2024
Dec 31, 2024
FY2023
Dec 31, 2023
FY2022
Dec 31, 2022
FY2021
Dec 31, 2021
FY2020
Dec 31, 2020
FY2019
Dec 31, 2019
FY2018
Dec 31, 2018
FY2017
Dec 31, 2017
FY2016
Dec 31, 2016
Revenue growth, YoY12.1%-1.3%3.0%7.6%-3.0%19.6%0.1%0.6%104.7%7.3%
Net income growth, YoY-15.2%-2.9%3.0%10.8%18.2%47.0%-31.3%26.7%74.1%-1.5%
EPS growth, YoY-18.7%-3.7%2.4%10.3%19.7%50.3%-31.6%24.7%--2.4%
Net margin21.9%28.9%29.4%29.4%28.5%23.4%19.0%27.7%22.0%25.9%
Free cash flow margin25.7%29.8%26.8%36.0%41.7%9.8%17.6%27.7%31.5%21.6%
Return on equity6.9%9.5%10.4%11.1%9.3%8.2%5.7%8.9%7.3%9.5%
Return on assets0.8%1.1%1.1%1.1%1.1%0.9%0.6%0.9%0.7%0.9%
Debt to equity0.250.090.140.160.200.600.460.200.510.91

Source: XBRL data Bar Harbor Bankshares Inc. files with the SEC, latest filing dated Nov 9, 2026 (see filings on SEC EDGAR). Provided for information only, not investment advice. Check the filing before relying on a number.

* Worked out from the filings rather than stated in them: Q4 is the full year less the first nine months.

Per-share figures and share counts are restated for stock splits the filings show: 3-for-2, first reported Aug 6, 2014; 3-for-2, first reported May 10, 2017.

EPS growth is left out where the share count moved enough to suggest a split the filings do not show. Growth rates need a positive starting figure. CAGR is compound annual growth between fiscal years. The CSV holds every period on file, in full figures, from the same SEC filings.

BHB peers

CompanyRevenueGrowthNet incomeNet marginMarket cap
BHB$197.44M+24.6%$56.61M28.7%$698.5M
JPM$203.15B+13.2%$65.98B32.5%$908.43B
BAC$120.16B+5.4%$32.24B26.8%$348.81B
WFC$87.23B+5.4%$22.97B26.3%$256.63B
C$85.22B+5.6%$14.31B16.8%$201.89B
UBS$49.57B+2.0%$7.80B15.7%$151.93B
MFG¥8.79T+7.6%¥1.16T13.2%$122.19B
COF$63.01B+31.2%$10.87B17.2%$119.45B
BNSC$37.74B+12.1%C$7.79B20.6%$114.51B

BHB FAQ

8 questions
  • What is BHB revenue?
    Bar Harbor Bankshares Inc. (BHB) reported $197.44M of revenue for the twelve months ended Sep 30, 2026. That is up 24.6% from the year before. Revenue for fiscal 2025 was $168.93M.
  • Is BHB profitable?
    Yes. Bar Harbor Bankshares Inc. earned $56.61M in net income for the twelve months ended Sep 30, 2026, a net margin of 28.7%.
  • How much cash and debt does BHB have?
    Bar Harbor Bankshares Inc. reported $74.82M in cash and cash equivalents and $108.14M of debt on its most recent balance sheet in SEC filings.
  • How fast is BHB revenue growing?
    Bar Harbor Bankshares Inc.'s revenue changed +12.1% in fiscal 2025, to $168.93M. Its compound annual growth rate was +3.5% over 5 years and +12.1% over 10 years.
  • What is BHB free cash flow?
    Bar Harbor Bankshares Inc. generated $59.01M of free cash flow for the twelve months ended Sep 30, 2026, which is operating cash flow of $66.33M less capital expenditures.
  • What is BHB earnings per share?
    Diluted earnings per share were $3.39 for the twelve months ended Sep 30, 2026, from SEC filings, restated for any stock split those filings show.
  • When did BHB last report financial results?
    The latest statements here come from Bar Harbor Bankshares Inc.'s 10-Q filed on Nov 9, 2026, covering the period ended Sep 30, 2026.
  • Where does this BHB financial data come from?
    Quantisnow builds these statements from the structured XBRL data Bar Harbor Bankshares Inc. files with the SEC. It is provided for information only and is not investment advice.