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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. 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%
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%) (below 0%: weak)
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.

Target Price Range

Analyst price targets

Recommendation Rating

2
1Buy 2 3Hold 4 5Sell

Ten years at a glance Fiscal years to December

Group Line 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 Trend 2026e 2027e 2028e
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

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
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.

Source: company filings (standardised) and stockrow calculations.

Bar Harbor Bankshares, Inc. (BHB) Latest News

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