What is Bar Harbor Bk's earnings per share (EPS)?

Bar Harbor Bk (BHB) reported diluted earnings per share of $2.31 for fiscal year 2025. This represents a -18.7% change compared to the previous fiscal year. EPS represents the portion of a company's net income allocated to each outstanding share of common stock and is widely used to evaluate profitability on a per-share basis.

Bar Harbor Bk Financials

BHB

Source SEC Filings (10-K/10-Q) Updated Dec 31, 2025 Currency USD FYE December

This page shows Bar Harbor Bk (BHB) financial statements, including the income statement, balance sheet, cash flow statement, and key financial ratios. View 17 years of annual fundamentals and quarterly data, with year-over-year growth rates and compound annual growth rates (CAGR). All figures are derived from SEC filings (10-K and 10-Q reports).

Financial Health Signals

Financial Profile 63/100

Based on FY2025 annual data. Scores normalized against common benchmarks. How we calculate these scores

Growth

Bar Harbor Bk's revenue grew 11.0% year-over-year to $209.5M, a solid pace of expansion. This earns a growth score of 52/100.

Leverage

Bar Harbor Bk carries a low D/E ratio of 0.25, meaning only $0.25 of long-term debt for every $1 of shareholders' equity. This conservative leverage earns a score of 97/100, indicating a strong balance sheet with room for future borrowing.

Cash Flow

Bar Harbor Bk converts 20.8% of revenue into free cash flow ($43.5M). This strong cash generation earns a score of 77/100.

Returns

Bar Harbor Bk generates a 6.9% ROE, indicating limited profit relative to shareholders' investment. This results in a returns score of 27/100. This is down from 9.5% the prior year.

Piotroski F-Score Weak

3/9

Bar Harbor Bk passes 3 of 9 financial strength tests. 3 of 4 profitability signals pass, no leverage/liquidity signals pass (rising debt, declining liquidity, or share dilution), neither operating efficiency signal passes.

Earnings Quality Cash-Backed

1.31x

For every $1 of reported earnings, Bar Harbor Bk generates $1.31 in operating cash flow ($48.3M OCF vs $36.9M net income). This indicates profits are well-supported by actual cash generation, not accounting adjustments.

Key Financial Metrics

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Earnings & Revenue

Revenue

$209.5M

YoY+11.0%

5Y CAGR+53.4%

10Y CAGR+14.3%

Bar Harbor Bk generated $209.5M in revenue in fiscal year 2025. This represents an increase of 11.0% from the prior year.

EBITDA

N/A

Net Income

$36.9M

YoY-15.2%

5Y CAGR+2.1%

10Y CAGR+9.3%

Bar Harbor Bk reported $36.9M in net income in fiscal year 2025. This represents a decrease of 15.2% from the prior year.

EPS (Diluted)

$2.31

YoY-18.7%

5Y CAGR+1.2%

10Y CAGR+3.3%

Bar Harbor Bk earned $2.31 per diluted share (EPS) in fiscal year 2025. This represents a decrease of 18.7% from the prior year.

Cash & Balance Sheet

Free Cash Flow

$43.5M

YoY-3.4%

5Y CAGR+25.6%

10Y CAGR+8.9%

Bar Harbor Bk generated $43.5M in free cash flow in fiscal year 2025, representing cash available after capex. This represents a decrease of 3.4% from the prior year.

Cash & Debt

$80.8M

YoY+12.0%

5Y CAGR-18.6%

10Y CAGR+23.6%

Bar Harbor Bk held $80.8M in cash against $134.8M in long-term debt as of fiscal year 2025.

Dividends Per Share

$1.26

YoY+6.8%

5Y CAGR+7.4%

10Y CAGR+6.5%

Bar Harbor Bk paid $1.26 per share in dividends in fiscal year 2025. This represents an increase of 6.8% from the prior year.

Shares Outstanding

17M

YoY+9.3%

Bar Harbor Bk had 17M shares outstanding in fiscal year 2025. This represents an increase of 9.3% from the prior year.

Margins & Returns

Gross Margin

N/A

Operating Margin

N/A

Net Margin

17.6%

YoY-5.4pp

5Y CAGR-116.9pp

10Y CAGR-9.8pp

Bar Harbor Bk's net profit margin was 17.6% in fiscal year 2025, showing the share of revenue converted to profit. This is down 5.4 percentage points from the prior year.

Return on Equity

6.9%

YoY-2.6pp

5Y CAGR-1.2pp

10Y CAGR-2.9pp

Bar Harbor Bk's ROE was 6.9% in fiscal year 2025, measuring profit generated per dollar of shareholder equity. This is down 2.6 percentage points from the prior year.

Capital Allocation

R&D Spending

N/A

Share Buybacks

N/A

Capital Expenditures

$4.8M

YoY-35.0%

5Y CAGR-6.6%

10Y CAGR+9.9%

Bar Harbor Bk invested $4.8M in capex in fiscal year 2025, funding long-term assets and infrastructure. This represents a decrease of 35.0% from the prior year.

BHB Income Statement

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Revenue	$209.5M+11.0%	$188.7M+8.3%	$174.2M+493.2%	$29.4M+3.4%	$28.4M+14.9%	$24.7M
Cost of Revenue	N/A	N/A	N/A	N/A	N/A	N/A
Gross Profit	N/A	N/A	N/A	N/A	N/A	N/A
R&D Expenses	N/A	N/A	N/A	N/A	N/A	N/A
SG&A Expenses	N/A	N/A	N/A	N/A	N/A	N/A
Operating Income	N/A	N/A	N/A	N/A	N/A	N/A
Interest Expense	$75.0M+0.2%	$74.9M+32.5%	$56.5M+339.9%	$12.8M-15.7%	$15.2M-43.4%	$26.9M
Income Tax	$9.0M-0.6%	$9.1M-26.0%	$12.3M+8.7%	$11.3M+21.0%	$9.3M+11.0%	$8.4M
Net Income	$36.9M-15.2%	$43.5M-2.9%	$44.9M+3.0%	$43.6M+10.8%	$39.3M+18.2%	$33.2M
EPS (Diluted)	$2.31-18.7%	$2.84-3.7%	$2.95+2.4%	$2.88+10.3%	$2.61+19.7%	$2.18

Metric	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24	Q1'24
Revenue	$57.4M+2.6%	$55.9M+14.9%	$48.7M+2.4%	$47.5M+0.1%	$47.5M-2.3%	$48.6M+3.7%	$46.8M+2.2%	$45.8M
Cost of Revenue	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Gross Profit	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
R&D Expenses	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
SG&A Expenses	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Operating Income	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Interest Expense	$18.8M-1.1%	$19.0M+0.9%	$18.8M+1.4%	$18.5M+0.6%	$18.4M-6.1%	$19.6M+2.8%	$19.1M+7.4%	$17.8M
Income Tax	$3.0M+35.9%	$2.2M+57.8%	$1.4M-44.3%	$2.5M-2.6%	$2.6M+79.9%	$1.4M-44.0%	$2.5M-1.4%	$2.6M
Net Income	$11.8M+32.8%	$8.9M+45.4%	$6.1M-40.3%	$10.2M-7.2%	$11.0M-9.8%	$12.2M+18.9%	$10.3M+1.6%	$10.1M
EPS (Diluted)	N/A	$0.54+35.0%	$0.40-39.4%	$0.66	N/A	$0.80+19.4%	$0.67+1.5%	$0.66

BHB Balance Sheet

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Total Assets	$4.7B+14.7%	$4.1B+2.8%	$4.0B+1.6%	$3.9B+5.4%	$3.7B-0.4%	$3.7B
Current Assets	N/A	N/A	N/A	N/A	N/A	N/A
Cash & Equivalents	$80.8M+12.0%	$72.2M-23.9%	$94.8M+2.8%	$92.3M-63.1%	$250.4M+10.8%	$226.0M
Inventory	N/A	N/A	N/A	N/A	N/A	N/A
Accounts Receivable	N/A	N/A	N/A	N/A	N/A	N/A
Goodwill	$141.8M+18.7%	$119.5M0.0%	$119.5M0.0%	$119.5M0.0%	$119.5M0.0%	$119.5M
Total Liabilities	$4.2B+14.5%	$3.6B+2.4%	$3.5B+0.6%	$3.5B+7.0%	$3.3B-1.0%	$3.3B
Current Liabilities	N/A	N/A	N/A	N/A	N/A	N/A
Long-Term Debt	$134.8M+229.8%	$40.9M-32.7%	$60.7M-3.4%	$62.9M-24.9%	$83.7M-65.5%	$242.6M
Total Equity	$532.5M+16.2%	$458.4M+6.1%	$432.1M+9.8%	$393.4M-7.2%	$424.1M+4.2%	$407.1M
Retained Earnings	$314.4M+5.5%	$297.9M+9.5%	$272.1M+11.6%	$243.8M+13.1%	$215.6M+10.2%	$195.6M

Metric	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24	Q1'24
Total Assets	$4.7B-0.7%	$4.7B+14.7%	$4.1B+1.2%	$4.1B-0.5%	$4.1B+1.3%	$4.0B-0.1%	$4.0B+1.9%	$4.0B
Current Assets	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Cash & Equivalents	$80.8M-40.9%	$136.7M+57.1%	$87.0M-1.2%	$88.1M+22.1%	$72.2M-11.2%	$81.2M-20.2%	$101.8M+33.6%	$76.2M
Inventory	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Accounts Receivable	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Goodwill	$141.8M0.0%	$141.8M+18.7%	$119.5M0.0%	$119.5M0.0%	$119.5M0.0%	$119.5M0.0%	$119.5M0.0%	$119.5M
Total Liabilities	$4.2B-1.1%	$4.2B+15.2%	$3.6B+1.3%	$3.6B-0.8%	$3.6B+1.5%	$3.6B-0.7%	$3.6B+2.0%	$3.5B
Current Liabilities	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Long-Term Debt	$134.8M+0.2%	$134.6M+229.2%	$40.9M0.0%	$40.9M0.0%	$40.9M-32.8%	$60.9M+0.1%	$60.8M+0.1%	$60.8M
Total Equity	$532.5M+2.2%	$521.0M+11.1%	$468.9M+0.3%	$467.3M+1.9%	$458.4M-0.3%	$459.9M+4.8%	$438.9M+0.7%	$435.7M
Retained Earnings	$314.4M+2.1%	$308.0M+1.1%	$304.5M+0.3%	$303.4M+1.9%	$297.9M+2.2%	$291.4M+2.7%	$283.7M+2.1%	$278.0M

BHB Cash Flow Statement

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Operating Cash Flow	$48.3M-7.8%	$52.4M+10.5%	$47.4M-15.2%	$55.9M-5.5%	$59.2M+186.1%	$20.7M
Capital Expenditures	$4.8M-35.0%	$7.4M+13.2%	$6.5M+159.5%	$2.5M+46.7%	$1.7M-74.7%	$6.8M
Free Cash Flow	$43.5M-3.4%	$45.0M+10.0%	$40.9M-23.5%	$53.4M-7.1%	$57.5M+313.1%	$13.9M
Investing Cash Flow	$88.7M+162.5%	-$141.9M-127.8%	-$62.3M+84.8%	-$408.9M-8504.5%	-$4.8M-103.0%	$160.2M
Financing Cash Flow	-$128.3M-292.0%	$66.8M+283.4%	$17.4M-91.1%	$194.9M+748.9%	-$30.0M-154.0%	-$11.8M
Dividends Paid	$20.4M+14.7%	$17.8M+7.4%	$16.6M+8.0%	$15.3M+9.0%	$14.1M+4.9%	$13.4M
Share Buybacks	N/A	N/A	N/A	N/A	N/A	$14.2M

Metric	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24	Q1'24
Operating Cash Flow	$17.2M+3.8%	$16.5M+213.8%	$5.3M-43.5%	$9.3M-29.7%	$13.3M-43.6%	$23.5M+231.1%	$7.1M-16.7%	$8.5M
Capital Expenditures	$178K-83.8%	$1.1M-44.7%	$2.0M+28.7%	$1.5M+82.2%	$848K-19.9%	$1.1M-78.0%	$4.8M+618.0%	$671K
Free Cash Flow	$17.0M+10.0%	$15.4M+370.5%	$3.3M-57.8%	$7.8M-37.3%	$12.4M-44.7%	$22.4M+884.7%	$2.3M-70.9%	$7.8M
Investing Cash Flow	-$18.1M-114.1%	$127.7M+340.9%	-$53.0M-265.3%	$32.1M+147.5%	-$67.5M-294.2%	-$17.1M+65.8%	-$50.0M-592.3%	-$7.2M
Financing Cash Flow	-$55.0M+41.9%	-$94.6M-302.7%	$46.7M+283.6%	-$25.4M-156.3%	$45.2M+267.4%	-$27.0M-139.4%	$68.6M+444.3%	-$19.9M
Dividends Paid	$5.4M+0.1%	$5.4M+6.5%	$5.0M+9.1%	$4.6M+1.9%	$4.5M+0.1%	$4.5M+0.2%	$4.5M+7.5%	$4.2M
Share Buybacks	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

BHB Financial Ratios

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Gross Margin	N/A	N/A	N/A	N/A	N/A	N/A
Operating Margin	N/A	N/A	N/A	N/A	N/A	N/A
Net Margin	17.6%-5.4pp	23.1%-2.7pp	25.8%-122.6pp	148.3%+9.9pp	138.4%+3.9pp	134.6%
Return on Equity	6.9%-2.6pp	9.5%-0.9pp	10.4%-0.7pp	11.1%+1.8pp	9.3%+1.1pp	8.2%
Return on Assets	0.8%-0.3pp	1.1%-0.1pp	1.1%+0.0pp	1.1%+0.1pp	1.1%+0.2pp	0.9%
Current Ratio	N/A	N/A	N/A	N/A	N/A	N/A
Debt-to-Equity	0.25+0.2	0.09-0.1	0.14-0.0	0.16-0.0	0.20-0.4	0.60
FCF Margin	20.8%-3.1pp	23.8%+0.4pp	23.5%-158.4pp	181.8%-20.5pp	202.4%+146.1pp	56.3%

Metric	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24	Q1'24
Gross Margin	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Operating Margin	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Net Margin	20.5%+4.7pp	15.8%+3.3pp	12.5%-9.0pp	21.5%-1.7pp	23.2%-1.9pp	25.1%+3.2pp	21.9%-0.1pp	22.0%
Return on Equity	2.2%+0.5pp	1.7%+0.4pp	1.3%-0.9pp	2.2%-0.2pp	2.4%-0.2pp	2.6%+0.3pp	2.3%+0.0pp	2.3%
Return on Assets	0.3%+0.1pp	0.2%+0.0pp	0.1%-0.1pp	0.3%-0.0pp	0.3%-0.0pp	0.3%+0.1pp	0.3%0.0pp	0.3%
Current Ratio	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Debt-to-Equity	0.250.0	0.26+0.2	0.090.0	0.090.0	0.09-0.0	0.130.0	0.140.0	0.14
FCF Margin	29.6%+2.0pp	27.6%+20.9pp	6.7%-9.6pp	16.4%-9.8pp	26.1%-20.1pp	46.2%+41.3pp	4.9%-12.3pp	17.1%

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Frequently Asked Questions

What is Bar Harbor Bk's annual revenue?

Bar Harbor Bk (BHB) reported $209.5M in total revenue for fiscal year 2025. This represents a 11.0% change compared to the previous fiscal year. Revenue measures the total income earned from the company's primary business operations before any expenses are deducted.

How fast is Bar Harbor Bk's revenue growing?

Bar Harbor Bk (BHB) revenue grew by 11% year-over-year, from $188.7M to $209.5M in fiscal year 2025.

Is Bar Harbor Bk profitable?

Yes, Bar Harbor Bk (BHB) reported a net income of $36.9M in fiscal year 2025, with a net profit margin of 17.6%.

How much debt does Bar Harbor Bk have?

As of fiscal year 2025, Bar Harbor Bk (BHB) had $80.8M in cash and equivalents against $134.8M in long-term debt.

What is Bar Harbor Bk's net profit margin?

Bar Harbor Bk (BHB) had a net profit margin of 17.6% in fiscal year 2025, representing the share of revenue converted into profit after all expenses.

Does Bar Harbor Bk pay dividends?

Yes, Bar Harbor Bk (BHB) paid $1.26 per share in dividends during fiscal year 2025.

What is Bar Harbor Bk's return on equity (ROE)?

Bar Harbor Bk (BHB) has a return on equity of 6.9% for fiscal year 2025, measuring how efficiently the company generates profit from shareholder equity.

What is Bar Harbor Bk's free cash flow?

Bar Harbor Bk (BHB) generated $43.5M in free cash flow during fiscal year 2025. This represents a -3.4% change compared to the previous fiscal year. Free cash flow represents the cash a company generates after accounting for capital expenditures, and is widely used to assess financial flexibility and shareholder value.

What is Bar Harbor Bk's operating cash flow?

Bar Harbor Bk (BHB) generated $48.3M in operating cash flow during fiscal year 2025, representing cash generated from core business activities.

What are Bar Harbor Bk's total assets?

Bar Harbor Bk (BHB) had $4.7B in total assets as of fiscal year 2025, including both current and long-term assets.

What are Bar Harbor Bk's capital expenditures?

Bar Harbor Bk (BHB) invested $4.8M in capital expenditures during fiscal year 2025, funding long-term assets and infrastructure.

How many shares does Bar Harbor Bk have outstanding?

Bar Harbor Bk (BHB) had 17M shares outstanding as of fiscal year 2025.

What is Bar Harbor Bk's debt-to-equity ratio?

Bar Harbor Bk (BHB) had a debt-to-equity ratio of 0.25 as of fiscal year 2025, measuring the company's financial leverage by comparing total debt to shareholder equity.

What is Bar Harbor Bk's return on assets (ROA)?

Bar Harbor Bk (BHB) had a return on assets of 0.8% for fiscal year 2025, measuring how efficiently the company uses its assets to generate profit.

What is Bar Harbor Bk's Piotroski F-Score?

Bar Harbor Bk (BHB) has a Piotroski F-Score of 3 out of 9, indicating weak financial health. The F-Score evaluates nine binary signals across profitability (positive ROA, positive cash flow, improving ROA, earnings quality), leverage (decreasing debt, improving liquidity, no share dilution), and operating efficiency (improving gross margin, improving asset turnover). Scores of 7–9 indicate strong and improving fundamentals. Learn more in our complete guide to financial health indicators.

Are Bar Harbor Bk's earnings high quality?

Bar Harbor Bk (BHB) has an earnings quality ratio of 1.31x, considered cash-backed (high quality). This ratio compares operating cash flow to net income. A ratio above 1.0x means the company generates more cash than its reported earnings, indicating sustainable, cash-backed profits. Ratios below 1.0x suggest earnings rely on accounting accruals rather than actual cash generation. Learn more in our complete guide to financial health indicators.

How financially healthy is Bar Harbor Bk?

Bar Harbor Bk (BHB) scores 63 out of 100 on our Financial Profile, indicating moderate overall financial health. This composite score evaluates six dimensions: profitability (operating margin), revenue growth, leverage (debt-to-equity), liquidity (current ratio), cash flow quality (free cash flow margin), and shareholder returns (return on equity). Each dimension is normalized against standard financial benchmarks. Learn more in our complete guide to financial health indicators.