Saturday 17 October 2026
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Bar Harbor Bankshares, Inc.
Bar Harbor Bankshares, Inc.’s revenue for fiscal 2025 (year ended December 2025) was $244.0 million, up 8.14% from fiscal 2024. In the quarter to June 2026, revenue grew 26.8%, EPS grew 127.5%, free cash flow grew 563.6% and total debt fell 5.35%, each against the same quarter a year earlier. Dividend growth for twenty-five consecutive years, revenue growth for three; insiders bought in the last twelve months.
38.21
0.12
+0.32%
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| Dec '16 | Dec '17 | Dec '18 | Dec '19 | Dec '20 | Dec '21 | Dec '22 | Dec '23 | Dec '24 | Dec '25 | |
|---|---|---|---|---|---|---|---|---|---|---|
P/E ratio |
19.13 | 15.79 | 10.53 | 17.51 | 10.32 | 11.04 | 10.79 | 9.96 | 10.73 | 13.38 |
Piotroski F-Score |
4 | 8 | 4 | 5 | 7 | 7 | 7 | 6 | 6 | 5 |
P/S ratio |
4.11 | 2.89 | 2.24 | 2.40 | 2.04 | 2.83 | 2.92 | 2.13 | 2.07 | 2.02 |
P/FCF ratio |
22.96 | 11.02 | 10.55 | 18.89 | 24.76 | 7.54 | 8.81 | 10.81 | 10.05 | 11.25 |
P/Operating CF |
58.43 | 23.82 | 32.90 | 42.76 | (30.47) | 15.25 | 27.97 | 27.37 | 35.15 | 28.76 |
P/B ratio |
1.83 | 1.16 | 0.94 | 1.00 | 0.85 | 1.02 | 1.20 | 1.03 | 1.02 | 0.93 |
Price to Tangible BV |
1.89 | 1.67 | 1.32 | 1.47 | 1.23 | 1.45 | 1.75 | 1.45 | 1.39 | 1.32 |
EV/Sales |
11.67 | 8.09 | 6.26 | 5.28 | 2.69 | 2.36 | 4.79 | 3.26 | 3.03 | 2.80 |
EV/EBITDA |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
EV/Operating CF |
48.54 | 28.47 | 25.78 | 28.90 | 21.97 | 6.10 | 13.82 | 14.41 | 13.07 | 14.13 |
EV/FCF |
65.23 | 30.89 | 29.53 | 41.60 | 32.67 | 6.29 | 14.47 | 16.55 | 14.76 | 15.55 |
Quick Ratio |
0.01 | 0.04 | 0.04 | 0.02 | 0.08 | 0.08 | 0.03 | 0.03 | 0.02 | 0.02 |
Current Ratio |
1.07 | 1.09 | 1.04 | 1.00 | 0.96 | 0.91 | 0.98 | 0.98 | 0.98 | 0.96 |
Net Debt/EBITDA |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Debt/Assets |
30.57% | 23.27% | 20.06% | 14.48% | 9.02% | 4.81% | 10.08% | 8.35% | 7.12% | 5.76% |
Debt/Equity |
3.42 | 2.34 | 1.95 | 1.34 | 0.83 | 0.42 | 1.00 | 0.77 | 0.63 | 0.51 |
Asset Turnover |
0.04 | 0.05 | 0.04 | 0.05 | 0.05 | 0.04 | 0.04 | 0.05 | 0.06 | 0.06 |
Operating CF/Net income |
1.12 | 1.55 | 1.15 | 1.33 | 0.62 | 1.51 | 1.28 | 1.06 | 1.20 | 1.31 |
Capex/Depreciation |
(0.95) | (0.37) | (0.61) | (1.10) | (0.74) | (0.20) | (0.30) | (0.83) | (1.05) | (0.82) |
| 9.61% | 10.17% | 9.08% | 5.90% | 8.28% | 9.46% | 10.65% | 10.87% | 9.78% | 7.45% | |
| 0.90% | 0.98% | 0.92% | 0.62% | 0.90% | 1.06% | 1.14% | 1.14% | 1.08% | 0.84% | |
ROIC |
1.90% | 2.44% | 2.54% | 1.93% | 5.03% | 8.63% | 4.93% | 5.34% | 4.86% | 3.98% |
Return on Tangible Assets |
14.90% | 10.01% | 23.41% | 59.37% | (55.44%) | (16.79%) | (163.23%) | (179.90%) | (176.28%) | (35.11%) |
Average Days of Receivables |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Research and Development Expense of Revenue |
0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
Selling, General and Administrative Expense of Revenue |
52.73% | 52.59% | 49.87% | 55.45% | 58.83% | 57.67% | 54.76% | 43.25% | 41.21% | 48.03% |
Intangible Assets out of Total Assets |
0.00 | 0.03 | 0.03 | 0.03 | 0.03 | 0.03 | 0.03 | 0.03 | 0.03 | 0.03 |
Share Based Compensation of Revenue |
1.83% | 0.90% | 0.87% | 0.83% | 0.93% | 1.40% | 1.20% | 1.27% | 1.46% | 1.26% |
Graham Net Nets |
(1.64) | (1.58) | (1.91) | (1.50) | (1.52) | (1.20) | (1.16) | (1.05) | (0.93) | (1.00) |
Graham Number |
25.36 | 29.98 | 33.86 | 28.85 | 36.27 | 40.87 | 41.32 | 43.59 | 43.92 | 41.82 |
Earnings Yield |
5.23% | 6.33% | 9.50% | 5.71% | 9.69% | 9.06% | 9.27% | 10.04% | 9.32% | 7.47% |
Free Cash Flow Yield |
4.36% | 9.07% | 9.48% | 5.29% | 4.04% | 13.27% | 11.35% | 9.25% | 9.95% | 8.89% |
Revenue per Share |
7.70 | 9.36 | 10.03 | 10.58 | 11.09 | 10.23 | 10.72 | 13.82 | 14.80 | 15.35 |
Operating CF per Share |
1.85 | 2.66 | 2.44 | 1.94 | 1.36 | 3.95 | 3.72 | 3.13 | 3.44 | 3.04 |
Capex per Share |
(0.47) | (0.21) | (0.31) | (0.59) | (0.44) | (0.11) | (0.17) | (0.40) | (0.39) | (0.28) |
Free Cash Flow per Share |
1.38 | 2.45 | 2.13 | 1.34 | 0.91 | 3.84 | 3.55 | 2.73 | 3.04 | 2.76 |
Cash per Share |
0.93 | 5.97 | 6.38 | 3.66 | 14.82 | 16.73 | 6.14 | 6.26 | 4.74 | 5.09 |
Shareholders Equity per Share |
17.28 | 23.36 | 23.93 | 25.51 | 26.70 | 28.34 | 26.16 | 28.53 | 30.08 | 33.51 |
Interest Debt per Share |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Book value per Share |
17.28 | 23.36 | 23.93 | 25.51 | 26.70 | 28.34 | 26.16 | 28.53 | 30.08 | 33.51 |
Free Cash Flow |
12.50 | 37.20 | 32.93 | 20.89 | 13.91 | 57.45 | 53.39 | 41.28 | 46.38 | 43.87 |
Working Capital |
76.78 | 211.89 | 91.88 | (13.10) | (112.42) | (283.44) | (74.31) | (73.22) | (75.94) | (163.35) |
Capital Expenditures |
(4.30) | (3.16) | (4.79) | (9.18) | (6.78) | (1.72) | (2.52) | (6.12) | (5.99) | (4.40) |
Net Current Asset Value |
(471.52) | (646.57) | (662.79) | (590.07) | (523.41) | (519.98) | (547.23) | (470.89) | (433.15) | (493.42) |
EV/EBIT |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Capex to Sales |
0.06 | 0.02 | 0.03 | 0.06 | 0.04 | 0.01 | 0.02 | 0.03 | 0.03 | 0.02 |
Price to Operating Income |
13.93 | 9.62 | 8.58 | 14.71 | 8.27 | 8.91 | 8.42 | 7.58 | 8.86 | 10.74 |
| Other line items | ||||||||||
Depreciation/Fixed assets |
0.19 | 0.18 | 0.16 | 0.16 | 0.17 | 0.18 | 0.17 | 0.15 | 0.11 | 0.09 |
Cash ROIC |
1.78% | 2.92% | 2.76% | 2.12% | 1.44% | 6.73% | 6.07% | 4.81% | 5.65% | 4.97% |
Accounts Receivable Turnover |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Accounts Payable Turnover |
0.01 | 0.01 | 0.02 | 0.02 | 0.01 | 0.01 | 0.00 | 0.02 | 0.02 | 0.02 |
Inventory Turnover |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Average Days of Payables |
31,648.60 | 35,899.93 | 24,786.20 | 21,586.83 | 39,398.62 | 73,056.17 | 86,481.30 | 20,289.92 | 15,927.17 | 18,586.75 |
Days of Inventory on Hand |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Average Payables |
996.54 | 1,701.19 | 2,417.66 | 2,589.49 | 2,800.98 | 2,977.38 | 3,045.99 | 3,092.29 | 3,204.42 | 3,544.49 |
Average Assets |
1,667.70 | 2,660.27 | 3,586.84 | 3,638.81 | 3,696.70 | 3,716.75 | 3,809.52 | 3,940.34 | 4,027.11 | 4,383.61 |
Average Common Equity |
155.45 | 255.69 | 362.61 | 383.49 | 401.74 | 415.61 | 408.80 | 412.75 | 445.24 | 495.48 |
Columns are period end dates