Pricing Log in Create free account
Friday 6 November 2026 Export BHB’s income statement to Excel — free account

Bar Harbor Bankshares, Inc.

BHB Financial Banks Regional

Bar Harbor Bankshares, Inc.’s revenue for fiscal 2025 (year ended December 2025) was $244.0 million, up 8.14% from fiscal 2024.

Revenue
+26.8%
EPS
+127.5%
Free cash flow
+563.6%
Total debt
−5.35%

Quarter to June 2026, against a year earlier

41.41 1.10 −2.59%
Market cap
$691.9M
P/E
13.9×
Fwd P/E
11.2×
Dividend yield
3.19%
F-score
5/9
Altman Z
n/a
Beneish M
n/a
Dividend safety
n/a
Overview
Financials
Income Statement Balance Sheet Cash Flow Metrics & Ratios

Insider Decisions last twelve months

Bought, $m 0.04
Trades a month
Jan 26 Apr 26 Jul 26 Oct 26
Buy — — — 1 1 — — — — — — —
Sell — — — — — — — — — — — —
Insider Ownership 3.23%

Capital & Financial Ratios $m

Size
Market Cap 691.93
Revenue ttm 267.49
Net income ttm 49.37
Free cash flow ttm 57.58
Net debt Q 176.77
Valuation
P/E 13.94
Forward P/E 11.20
Price / sales 2.59
Forward P/S Powerpack
Price / FCF 12.05
Price / book 1.26
Financial health
Current ratio Q 0.96
Debt / equity Q 0.51
Interest coverage Q —
Growth
Revenue growth Q +26.82% (above 0%: growing)
Operating income growth Q +157.11% (above 0%: growing)
EPS, this year +14.72%
EPS, next year A +3.07%
Revenue, next year A −18.23% (below 0%: weak)
EPS, past 5 yrs +1.17%
EPS, next 5 yrs A +7.41%

Green and red mark values outside typical ranges; (Q) is the latest quarter, (A) analysts’ estimates. How we judge →

Valuation vs history

P/E against its own 10 years 74.26%
10-year low 10-year high
P/S against its own 10 years 56.95%
10-year low 10-year high
P/B against its own 10 years 82.76%
10-year low 10-year high

Dividends raised every year since 2018

Yield
3.19%
Annual rate
1.32
Payout ratio
44.6%
Growth, 2018–26
+6.88%/yr
  1. 0.79 ’18
  2. 0.86 ’19 +9
  3. 0.88 ’20 +2
  4. 0.94 ’21 +7
  5. 1.02 ’22 +9
  6. 1.10 ’23 +8
  7. 1.18 ’24 +7
  8. 1.26 ’25 +7
  9. 1.34 ’26 +6
paid change on the year, % Powerpack

Assets vs Liabilities $m

2023 2024 2025 Q'26
Cash 95 72 81 104
Receivables — — — —
Inventory — — — —
Other — — — —
3,068 3,192 3,658 3,697
2023 2024 2025 Q'26
Payables 3,141 3,268 3,821 3,854
ST’ Debt — — — —
Other — — — —
3,141 3,268 3,821 3,854

Compound Annual Growth %

10y 5y 3y
Sales 14.28% 7.61% 14.82%
Cash Flow 9.03% 18.47% (4.78%)
Earnings 9.31% 2.12% (5.36%)
Book Value 13.20% 5.52% 10.62%

Earnings Trends EPS, adjusted, against the consensus

Q3 FY26 Estimate 0.93 Actual 1.04

Earnings per share against the consensus, by quarter
Quarter Estimate Reported Result
Q4 FY25 0.89 0.93 Beat by 0.04
Q1 FY26 0.87 0.88 Beat by 0.01
Q2 FY26 0.92 0.92 Met by 0.00
Q3 FY26 0.93 1.04 Beat by 0.11
Q4 FY26 0.96 — Reports 28 January 2027

EPS $

Mar Jun Sep Dec Year
’26 0.81 0.91 — — —
’25 0.66 0.40 0.54 0.70 2.31
’24 0.66 0.67 0.80 0.72 2.84
’23 0.86 0.71 0.73 0.65 2.95
’22 0.60 0.70 0.76 0.83 2.88
’21 0.63 0.60 0.73 0.65 2.61
’20 0.50 0.55 0.56 0.58 2.18
Fiscal quarters ending in the months shown.

Revenue $m

Mar Jun Sep Dec Year
’26 66 68 — — —
’25 56 53 66 68 244
’24 54 56 58 57 226
’23 50 52 54 54 209
’22 36 38 42 46 161
’21 38 37 40 38 153
’20 42 41 41 45 169
Fiscal quarters ending in the months shown.

Operating Cash Flow $m

Mar Jun Sep Dec Year
’26 5 25 — — —
’25 9 5 17 17 48
’24 9 7 24 13 52
’23 17 (5) 19 16 47
’22 6 12 20 17 56
’21 15 (2) 18 28 59
’20 3 13 16 (11) 21
Fiscal quarters ending in the months shown.

Free Cash Flow $m

Mar Jun Sep Dec Year
’26 3 22 — — —
’25 8 3 57 (24) 44
’24 8 2 24 12 46
’23 16 (6) 17 14 41
’22 6 12 20 16 53
’21 14 (2) 18 28 57
’20 2 12 14 (14) 14
Fiscal quarters ending in the months shown.

Target Price Range

Analyst price targets

Recommendation Rating

2
1Buy 2 3Hold 4 5Sell

Ten years at a glance Fiscal years to December

Ten-year view Analyst estimates Powerpack
Group Line 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 TTM Jun ’26 Trend 10 yrs 2026e 2027e 2028e Next 3/yr
Income, $m
Income, $m Revenue 70 142 155 164 169 153 161 209 226 244 267 +14.9% 200 209 218 (3.7%)
Gross margin, % 82.66 83.17 76.47 72.28 84.07 90.05 92.03 73.00 66.81 69.24 72.30 (13.4) pt
EBT 21 43 40 27 42 49 55 57 53 46 62 +9.2%
EBT margin, % 29.80 30.01 26.06 16.31 24.64 31.77 34.03 27.30 23.32 18.83 23.23 (11.0) pt
Net income 15 26 33 23 33 39 44 45 44 37 49 +10.6%
Per share, $
Per share, $ Revenue 7.70 9.36 10.03 10.58 11.09 10.23 10.72 13.82 14.80 15.35 15.97 +8.0%
Earnings 1.65 1.71 2.13 1.46 2.18 2.63 2.90 2.96 2.86 2.32 2.97 +3.9%
Cash flow 1.85 2.66 2.44 1.94 1.36 3.95 3.72 3.13 3.44 3.04 3.83 +5.7%
Capex (0.47) (0.21) (0.31) (0.59) (0.44) (0.11) (0.17) (0.40) (0.39) (0.28) (0.39) (5.8%)
Free cash flow 1.38 2.45 2.13 1.34 0.91 3.84 3.55 2.73 3.04 2.76 3.44 +8.0%
Book value 17.28 23.36 23.93 25.51 26.70 28.34 26.16 28.53 30.08 33.51 32.81 +7.6%
Shares, m 9 15 15 16 15 15 15 15 15 16 16 +6.4%
Valuation, ×
Valuation, × P/E 19.13 15.79 10.53 17.51 10.32 11.04 10.79 9.96 10.73 13.38 13.94 12.9
P/S 4.11 2.89 2.24 2.40 2.04 2.83 2.92 2.13 2.07 2.02 2.59 2.6
P/B 1.83 1.16 0.94 1.00 0.85 1.02 1.20 1.03 1.02 0.93 1.26 1.1
EV/Sales 11.67 8.09 6.26 5.28 2.69 2.36 4.79 3.26 3.03 2.80 — 5.0
EV/FCF 65.23 30.89 29.53 41.60 32.67 6.29 14.47 16.55 14.76 15.55 — 26.8
Cash, $m
Cash, $m Operating cash flow 17 40 38 30 21 59 56 47 52 48 64 +12.5%
Capex (4) (3) (5) (9) (7) (2) (3) (6) (6) (4) (7) +0.3%
Free cash flow 12 37 33 21 14 57 53 41 46 44 58 +15.0%
Balance, $m
Balance, $m Working capital 77 212 92 (13) (112) (283) (74) (73) (76) (163) (157) n/m
Net debt 528 739 625 474 110 (72) 302 237 218 189 177 (10.8%)
Shareholders’ equity 157 355 371 396 407 424 393 432 458 533 550 +14.6%
Returns, %
Returns, % ROA 0.90 0.98 0.92 0.62 0.90 1.06 1.14 1.14 1.08 0.84 1.12 (0.1) pt
ROIC 1.90 2.44 2.54 1.93 5.03 8.63 4.93 5.34 4.86 3.98 5.35 +2.1 pt
ROE 9.61 10.17 9.08 5.90 8.28 9.46 10.65 10.87 9.78 7.45 9.70 (2.2) pt
People
People Employees 172 423 445 460 531 489 486 462 458 530 — +13.3%
Revenue/emp, $m 0.41 0.34 0.35 0.36 0.32 0.31 0.33 0.45 0.49 0.46 — +1.4%
Negative figures in brackets.
estimates

All 10 years →

Fiscal years to Dec 2025 · latest quarter Jun 2026

Bar Harbor Bankshares, Inc. vs peers in Banks Regional (Q) = latest quarter vs a year earlier

Company Market cap P/E Fwd P/E Revenue growth (Q) EPS growth (Q) FCF growth (Q) Gross margin (Q) EBIT margin (Q) Compare
AROW Arrow Financial Corporation $715.6M 12.5× 13.6× +4.55% (above 0%: growing) +1.54% (above 0%: growing) +37.22% (above 0%: growing) 71.42% 0.00% Compare
CWBC Community West Bancshares $707.1M 14.0× 15.8× +32.57% (above 0%: growing) −75.61% (below 0%: shrinking) +65.55% (above 0%: growing) 76.29% 0.00% Compare
CBNK Capital Bancorp, Inc. $695.6M 12.5× 12.0× +8.53% (above 0%: growing) +10.13% (above 0%: growing) −18.20% (below 0%: shrinking) 77.43% 0.00% Compare
BHB Bar Harbor Bankshares, Inc. $691.9M 13.9× 11.2× +26.82% (above 0%: growing) +127.50% (above 0%: growing) +563.60% (above 0%: growing) 73.41% 0.00%
BCAL California BanCorp $690.8M 11.7× 12.2× −3.68% (below 0%: shrinking) +2.33% (above 0%: growing) +6.82% (above 0%: growing) 79.50% 0.00% Compare
RRBI Red River Bancshares, Inc. $687.9M 15.0× 14.2× +6.30% (above 0%: growing) +18.54% (above 0%: growing) +237.31% (above 0%: growing) 76.50% 0.00% Compare
ACNB ACNB Corporation $666.0M 12.1× 11.3× +6.05% (above 0%: growing) +8.39% (above 0%: growing) −101.87% (below 0%: shrinking) 81.15% 0.00% Compare
HIFS Hingham Institution for Savings $659.4M 10.0× — +33.46% (above 0%: growing) +168.29% (above 0%: growing) −29.97% (below 0%: shrinking) 59.45% 0.00% Compare
MSBI Midland States Bancorp, Inc. $657.4M 14.0× 9.6× −1.90% (below 0%: shrinking) +295.83% (above 0%: growing) −51.81% (below 0%: shrinking) 73.94% 0.00% Compare
Median of peers $689.4M 12.5× 12.2× +6.18% +9.26% −5.69% 76.40% 0.00%

All 327 Banks Regional stocks →

Pay and ownership Proxy statement filed 19 March 2026

Chief executive’s pay

Year Total pay Actually paid $100 invested
2025 1.93m 1.95m 156.37
2024 1.87m 2.13m 147.91
2023 1.84m 1.63m 136.30
2022 1.81m 1.89m 142.65
2021 1.66m 1.97m 124.33

Ownership

Directors and executive officers, together 3.37%
BlackRock, Inc. 6.94% of Common
FMR LLC 6.86% of Common
Total pay is as the Summary Compensation Table states it; actually paid revalues the year’s share awards at its end, as the SEC’s pay-versus-performance rule asks. $100 invested is what $100 in the company’s shares at the start of the earliest year shown was worth at each year’s end. Ownership is the proxy’s own table: the directors and officers as a group, and every holder of 5% or more. Read the proxy statement

Bar Harbor Bankshares, Inc. (BHB) Latest News

27 Oct

Impact 3 · · Zacks

24 Oct

Impact 3 · · Simply Wall St.

22 Oct

Impact 3 · · Zacks
Impact 3 · · Associated Press
Impact 3 ·

21 Jul

Impact 3 ·

21 Apr

Impact 4 · · ACCESS Newswire
Impact 3 · · Zacks

9 Apr

Impact 3 · · Zacks

9 Feb

Impact 4 · · Zacks

26 Jan

Impact 3 ·

23 Jan

Impact 4 · · ZacksAssociated Press FinanceZacksZacksZacksZacksZacksZacks

22 Jan

Impact 4 · · Zacks
Impact 3 · · Associated Press Finance
Impact 3 · · ACCESS Newswire

13 Jan

Impact 3 · · Simply Wall St.

15 Dec

Impact 3 ·
Impact 3 · · Simply Wall St.

1 Dec

Impact 3 · · Zacks

14 Nov

Impact 3 ·

4 Nov

Impact 3 · · Zacks
Impact 3 · · Zacks

29 Oct

Impact 3 · · Zacks

23 Oct

Impact 4 · · Simply Wall St.
Impact 3 · · Zacks

21 Oct

Impact 4 · · Zacks
Impact 4 · · ACCESS Newswire
Impact 3 · · Associated Press Finance

15 Oct

Impact 4 · · Zacks

14 Oct

Impact 3 · · Simply Wall St.
stockrow.com/BHB · Data as of Jun 30, 2026 · For information only; not investment advice. · © 2026 stockrow.com