Saturday 17 October 2026 Export BHB’s income statement to Excel — free account

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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Market cap: $638.6M
P/E: 12.9×
Fwd P/E: 10.1×
Dividend yield: 3.45%
F-score: 5/9
Altman Z: n/a
Beneish M: n/a
Dividend safety: n/a

Overview Business Profile Financial Analysis Income Statement Balance Sheet Cash Flow Metrics & Ratios 10-Q 10-K

Insider Decisions trades per month

Total buys 0.04

Totals in millions of $.

	Dec 25			Mar 26			Jun 26			Sep 26
Buy	—	—	—	—	1	1	—	—	—	—	—	—
Sell	—	—	—	—	—	—	—	—	—	—	—	—

Insider Ownership 3.23%

Capital & Financial Ratios $m

Market Cap 638.62

Revenue 267.49

Net Income 49.37

Free Cash Flow 57.58

Net Debt 176.77

Current Ratio 0.96

Debt/Equity 0.51

P/E ratio 12.87

Fwd P/E 10.10

P/S ratio 2.39

P/B ratio 1.16

Past 5Y EPS Growth 1.17%

This Y EPS Growth 10.89%

Next Y EPS Growth 4.70%

Next Y revenue growth (19.21%)

Next 5Y EPS Growth 7.06%

Green and red mark values outside typical ranges. How we judge →

Valuation vs history

P/E against its own 10 years 59.57%

10-year low 10-year high

P/S against its own 10 years 44.05%

10-year low 10-year high

P/B against its own 10 years 69.19%

10-year low 10-year high

Dividends

Payout Ratio 0.45

Annual Dividend Rate 1.32

Annual Dividend Yield 3.45%

	total	individual payouts
2028	Powerpack
2027	Powerpack
2026	1.34	0.32 0.34 0.34
2025	1.26	0.30 0.32 0.32 0.32
2024	1.18	0.28 0.30 0.30 0.30
2023	1.10	0.26 0.28 0.28 0.28
2022	1.02	0.24 0.26 0.26 0.26
2021	0.94	0.22 0.24 0.24 0.24
2020	0.88	0.22 0.22 0.22 0.22
2019	0.86	0.20 0.22 0.22 0.22
2018	0.79	0.19 0.20 0.20 0.20
2017	0.75	0.19 0.19 0.19 0.19
2016	0.73	0.18 0.18 0.18 0.19

predictions special payouts not included in total or ratios

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%

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.

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.

Group	Line	2016	2017	2018	2019	2020	2021	2022	2023	2024	2025	2026e
Price, $
Price, $	Low	19.69	25.09	21.25	21.24	13.05	21.26	24.00	19.55	23.26	26.43	Analyst estimates 2026–2028 Powerpack
	High	33.25	33.41	30.95	27.58	25.55	32.94	33.11	32.42	38.47	35.00
People
People	Employees	172	423	445	460	531	489	486	462	458	530
	Revenue/emp, $m	0.41	0.34	0.35	0.36	0.32	0.31	0.33	0.45	0.49	0.46
Income, $m
Income, $m	Revenue	70	142	155	164	169	153	161	209	226	244
	Gross margin, %	82.66	83.17	76.47	72.28	84.07	90.05	92.03	73.00	66.81	69.24
	EBT	21	43	40	27	42	49	55	57	53	46
	EBT margin, %	29.80	30.01	26.06	16.31	24.64	31.77	34.03	27.30	23.32	18.83
	Net income	15	26	33	23	33	39	44	45	44	37
	Depreciation	5	9	8	8	9	9	8	7	6	5
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
	Earnings	1.65	1.71	2.13	1.46	2.18	2.63	2.90	2.96	2.86	2.32
	Cash flow	1.85	2.66	2.44	1.94	1.36	3.95	3.72	3.13	3.44	3.04
	Capex	(0.47)	(0.21)	(0.31)	(0.59)	(0.44)	(0.11)	(0.17)	(0.40)	(0.39)	(0.28)
	Free cash flow	1.38	2.45	2.13	1.34	0.91	3.84	3.55	2.73	3.04	2.76
	Book value	17.28	23.36	23.93	25.51	26.70	28.34	26.16	28.53	30.08	33.51
	Shares, m	9	15	15	16	15	15	15	15	15	16
Valuation, ×
Valuation, ×	P/E	19.13	15.79	10.53	17.51	10.32	11.04	10.79	9.96	10.73	13.38
	P/S	4.11	2.89	2.24	2.40	2.04	2.83	2.92	2.13	2.07	2.02
	P/B	1.83	1.16	0.94	1.00	0.85	1.02	1.20	1.03	1.02	0.93
	EV/Sales	11.67	8.09	6.26	5.28	2.69	2.36	4.79	3.26	3.03	2.80
	EV/FCF	65.23	30.89	29.53	41.60	32.67	6.29	14.47	16.55	14.76	15.55
Cash, $m
Cash, $m	Operating cash flow	17	40	38	30	21	59	56	47	52	48
	Capex	(4)	(3)	(5)	(9)	(7)	(2)	(3)	(6)	(6)	(4)
	Free cash flow	12	37	33	21	14	57	53	41	46	44
Balance, $m
Balance, $m	Working capital	77	212	92	(13)	(112)	(283)	(74)	(73)	(76)	(163)
	Total debt	537	830	724	531	336	179	394	332	291	270
	Net debt	528	739	625	474	110	(72)	302	237	218	189
	Shareholders’ equity	157	355	371	396	407	424	393	432	458	533
Returns, %
Returns, %	ROA	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
	ROE	9.61	10.17	9.08	5.90	8.28	9.46	10.65	10.87	9.78	7.45

Negative figures in brackets.

All 10 years →

Fiscal years to Dec 2025 · latest quarter Jun 2026

Charts ten years each

Company	Market cap	P/E	Fwd P/E	Revenue growth (Q)	EPS growth (Q)	FCF growth (Q)	Gross margin (Q)	EBIT margin (Q)	Compare
PFIS Peoples Financial Services Corp.	$681.2M	12.0×	9.2×	+3.78% (above 0%: growing)	−12.94% (below 0%: shrinking)	+54.41% (above 0%: growing)	70.19%	0.00%	Compare
CARE Carter Bankshares, Inc.	$671.8M	5.2×	4.6×	+44.00% (above 0%: growing)	+254.05% (above 0%: growing)	−3,522.21% (below 0%: shrinking)	76.12%	0.00%	Compare
MSBI Midland States Bancorp, Inc.	$670.3M	20.7×	9.1×	−7.83% (below 0%: shrinking)	+86.36% (above 0%: growing)	+9.48% (above 0%: growing)	74.46%	0.00%	Compare
RRBI Red River Bancshares, Inc.	$666.1M	14.5×	12.5×	+6.30% (above 0%: growing)	+18.54% (above 0%: growing)	+237.31% (above 0%: growing)	76.50%	0.00%	Compare
CCB Coastal Financial Corporation	$656.9M	— (loss-making)	16.0×	+37.72% (above 0%: growing)	n/m	+16.72% (above 0%: growing)	85.92%	0.00%	Compare
ACNB ACNB Corporation	$642.5M	12.0×	10.1×	+4.47% (above 0%: growing)	+35.14% (above 0%: growing)	−125.12% (below 0%: shrinking)	81.56%	0.00%	Compare
CBNK Capital Bancorp, Inc.	$642.3M	11.5×	9.6×	+8.53% (above 0%: growing)	+10.13% (above 0%: growing)	−18.20% (below 0%: shrinking)	77.43%	0.00%	Compare
HIFS Hingham Institution for Savings	$640.9M	9.7×	—	+33.46% (above 0%: growing)	+168.29% (above 0%: growing)	−29.97% (below 0%: shrinking)	59.45%	0.00%	Compare
BHB Bar Harbor Bankshares, Inc.	$638.6M	12.9×	10.1×	+26.82% (above 0%: growing)	+127.50% (above 0%: growing)	+563.60% (above 0%: growing)	73.41%	0.00%
Median of peers	$661.5M	12.0×	9.6×	+7.42%	+35.14%	−4.36%	76.31%	0.00%

All 323 Banks Regional stocks →

Bar Harbor Bankshares, Inc. (BHB) key facts

Concern: Net income was $36.9 million, or $2.32 per share (basic), a net margin of 15.1%.
Strength: Bar Harbor Bankshares, Inc.’s revenue for fiscal 2025 (year ended December 2025) was $244.0 million, up 8.14% from fiscal 2024.
Bar Harbor Bankshares, Inc. (BHB) is a Banks Regional company in the Financial sector, listed on NYSE American.
As of October 16, 2026, BHB traded at $38.21, a market capitalization of $638.6 million.
At that price the stock trades at 12.9× trailing-twelve-month earnings and 2.4× sales; its P/E is higher than 60% of its own readings over the past ten years.
Bar Harbor Bankshares, Inc. pays an annual dividend of $1.32 per share, a yield of 3.45%, with a payout ratio of 44.6%.
Return on equity was 7.45% and debt-to-equity 0.51.
Its Piotroski F-score is 5 out of 9 for fiscal 2025.