Bar Harbor Bk Financials
This page shows Bar Harbor Bk (BHB) financial statements, including the income statement, balance sheet, cash flow statement, and key financial ratios. View 16 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
Based on FY2024 annual data. Scores normalized against common benchmarks. How we calculate these scores
Bar Harbor Bk's revenue grew 8.3% year-over-year to $188.7M, a solid pace of expansion. This earns a growth score of 52/100.
Bar Harbor Bk carries a low D/E ratio of 0.09, meaning only $0.09 of long-term debt for every $1 of shareholders' equity. This conservative leverage earns a score of 100/100, indicating a strong balance sheet with room for future borrowing.
Bar Harbor Bk converts 23.8% of revenue into free cash flow ($45.0M). This strong cash generation earns a score of 100/100.
Bar Harbor Bk's ROE of 9.5% shows moderate profitability relative to equity, earning a score of 38/100. This is down from 10.4% the prior year.
Bar Harbor Bk passes 5 of 9 financial strength tests. 3 of 4 profitability signals pass, 1 of 2 leverage/liquidity signals pass, both operating efficiency signals pass.
For every $1 of reported earnings, Bar Harbor Bk generates $1.20 in operating cash flow ($52.4M OCF vs $43.5M net income). This indicates profits are well-supported by actual cash generation, not accounting adjustments.
Key Financial Metrics
Bar Harbor Bk generated $188.7M in revenue in fiscal year 2024. This represents an increase of 8.3% from the prior year.
Bar Harbor Bk generated $45.0M in free cash flow in fiscal year 2024, representing cash available after capex. This represents an increase of 10.0% from the prior year.
Bar Harbor Bk reported $43.5M in net income in fiscal year 2024. This represents a decrease of 2.9% from the prior year.
Bar Harbor Bk earned $2.84 per diluted share (EPS) in fiscal year 2024. This represents a decrease of 3.7% from the prior year.
Bar Harbor Bk held $72.2M in cash against $40.9M in long-term debt as of fiscal year 2024.
Bar Harbor Bk paid $1.18 per share in dividends in fiscal year 2024. This represents an increase of 7.3% from the prior year.
Bar Harbor Bk had 15M shares outstanding in fiscal year 2024. This represents an increase of 0.7% from the prior year.
Bar Harbor Bk's net profit margin was 23.1% in fiscal year 2024, showing the share of revenue converted to profit. This is down 2.7 percentage points from the prior year.
Bar Harbor Bk's ROE was 9.5% in fiscal year 2024, measuring profit generated per dollar of shareholder equity. This is down 0.9 percentage points from the prior year.
Bar Harbor Bk invested $7.4M in capex in fiscal year 2024, funding long-term assets and infrastructure. This represents an increase of 13.2% from the prior year.
BHB Income Statement
| Metric | Q3'25 | Q2'25 | Q1'25 | Q3'24 | Q2'24 | Q1'24 | Q4'23 | Q3'23 |
|---|---|---|---|---|---|---|---|---|
| Revenue | $55.9M+14.9% | $48.7M+2.4% | $47.5M+0.1% | $47.5M+1.4% | $46.8M+2.2% | $45.8M0.0% | $45.8M+1.5% | $45.1M |
| 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 | $19.0M+0.9% | $18.8M+1.4% | $18.5M+0.6% | $18.4M-3.5% | $19.1M+7.4% | $17.8M+4.4% | $17.0M+6.7% | $15.9M |
| Income Tax | $2.2M+57.8% | $1.4M-44.3% | $2.5M-2.6% | $2.6M+0.8% | $2.5M-1.4% | $2.6M-2.8% | $2.6M-17.6% | $3.2M |
| Net Income | $8.9M+45.4% | $6.1M-40.3% | $10.2M-7.2% | $11.0M+7.2% | $10.3M+1.6% | $10.1M+1.5% | $9.9M-10.4% | $11.1M |
| EPS (Diluted) | $0.54+35.0% | $0.40-39.4% | $0.66-7.0% | $0.71+6.0% | $0.67+1.5% | $0.66+1.5% | $0.65-11.0% | $0.73 |
BHB Balance Sheet
| Metric | Q3'25 | Q2'25 | Q1'25 | Q3'24 | Q2'24 | Q1'24 | Q4'23 | Q3'23 |
|---|---|---|---|---|---|---|---|---|
| Total Assets | $4.7B+14.7% | $4.1B+1.2% | $4.1B-0.5% | $4.1B+1.2% | $4.0B+1.9% | $4.0B-0.3% | $4.0B-0.3% | $4.0B |
| Current Assets | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Cash & Equivalents | $136.7M+57.1% | $87.0M-1.2% | $88.1M+22.1% | $72.2M-29.1% | $101.8M+33.6% | $76.2M-19.6% | $94.8M-22.8% | $122.8M |
| 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 | $141.8M+18.7% | $119.5M0.0% | $119.5M0.0% | $119.5M0.0% | $119.5M0.0% | $119.5M0.0% | $119.5M0.0% | $119.5M |
| Total Liabilities | $4.2B+15.2% | $3.6B+1.3% | $3.6B-0.8% | $3.6B+0.8% | $3.6B+2.0% | $3.5B-0.4% | $3.5B-1.1% | $3.6B |
| Current Liabilities | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Long-Term Debt | $134.6M+229.2% | $40.9M0.0% | $40.9M0.0% | $40.9M-32.8% | $60.8M+0.1% | $60.8M+0.1% | $60.7M-3.6% | $63.0M |
| Total Equity | $521.0M+11.1% | $468.9M+0.3% | $467.3M+1.9% | $458.4M+4.4% | $438.9M+0.7% | $435.7M+0.8% | $432.1M+6.9% | $404.2M |
| Retained Earnings | $308.0M+1.1% | $304.5M+0.3% | $303.4M+1.9% | $297.9M+5.0% | $283.7M+2.1% | $278.0M+2.2% | $272.1M+2.2% | $266.4M |
BHB Cash Flow Statement
| Metric | Q3'25 | Q2'25 | Q1'25 | Q3'24 | Q2'24 | Q1'24 | Q4'23 | Q3'23 |
|---|---|---|---|---|---|---|---|---|
| Operating Cash Flow | $16.5M+213.8% | $5.3M-43.5% | $9.3M-29.7% | $13.3M+86.8% | $7.1M-16.7% | $8.5M-47.8% | $16.3M-12.8% | $18.7M |
| Capital Expenditures | $1.1M-44.7% | $2.0M+28.7% | $1.5M+82.2% | $848K-82.4% | $4.8M+618.0% | $671K-76.7% | $2.9M+98.0% | $1.5M |
| Free Cash Flow | $15.4M+370.5% | $3.3M-57.8% | $7.8M-37.3% | $12.4M+444.5% | $2.3M-70.9% | $7.8M-41.6% | $13.4M-22.2% | $17.3M |
| Investing Cash Flow | $127.7M+340.9% | -$53.0M-265.3% | $32.1M+147.5% | -$67.5M-34.9% | -$50.0M-592.3% | -$7.2M-85.3% | -$3.9M-114.8% | $26.3M |
| Financing Cash Flow | -$94.6M-302.7% | $46.7M+283.6% | -$25.4M-156.3% | $45.2M-34.1% | $68.6M+444.3% | -$19.9M+50.7% | -$40.4M+12.2% | -$46.0M |
| Dividends Paid | $5.4M+6.5% | $5.0M+9.1% | $4.6M+1.9% | $4.5M+0.3% | $4.5M+7.5% | $4.2M-0.1% | $4.2M0.0% | $4.2M |
| Share Buybacks | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
BHB Financial Ratios
| Metric | Q3'25 | Q2'25 | Q1'25 | Q3'24 | Q2'24 | Q1'24 | Q4'23 | Q3'23 |
|---|---|---|---|---|---|---|---|---|
| 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 | 15.8%+3.3pp | 12.5%-9.0pp | 21.5%-1.7pp | 23.2%+1.3pp | 21.9%-0.1pp | 22.0%+0.3pp | 21.7%-2.9pp | 24.6% |
| Return on Equity | 1.7%+0.4pp | 1.3%-0.9pp | 2.2%-0.2pp | 2.4%+0.1pp | 2.3%+0.0pp | 2.3%+0.0pp | 2.3%-0.5pp | 2.8% |
| Return on Assets | 0.2%+0.0pp | 0.1%-0.1pp | 0.3%-0.0pp | 0.3%+0.0pp | 0.3%0.0pp | 0.3%0.0pp | 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 | 0.26+0.2 | 0.090.0 | 0.090.0 | 0.09-0.0 | 0.140.0 | 0.140.0 | 0.14-0.0 | 0.16 |
| FCF Margin | 27.6%+20.9pp | 6.7%-9.6pp | 16.4%-9.8pp | 26.1%+21.3pp | 4.9%-12.3pp | 17.1%-12.2pp | 29.3%-8.9pp | 38.2% |
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Frequently Asked Questions
What is Bar Harbor Bk's annual revenue?
Bar Harbor Bk (BHB) reported $188.7M in total revenue for fiscal year 2024. This represents a 8.3% 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 8.3% year-over-year, from $174.2M to $188.7M in fiscal year 2024.
Is Bar Harbor Bk profitable?
Yes, Bar Harbor Bk (BHB) reported a net income of $43.5M in fiscal year 2024, with a net profit margin of 23.1%.
What is Bar Harbor Bk's earnings per share (EPS)?
Bar Harbor Bk (BHB) reported diluted earnings per share of $2.84 for fiscal year 2024. This represents a -3.7% 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.
How much debt does Bar Harbor Bk have?
As of fiscal year 2024, Bar Harbor Bk (BHB) had $72.2M in cash and equivalents against $40.9M in long-term debt.
What is Bar Harbor Bk's net profit margin?
Bar Harbor Bk (BHB) had a net profit margin of 23.1% in fiscal year 2024, representing the share of revenue converted into profit after all expenses.
Does Bar Harbor Bk pay dividends?
Yes, Bar Harbor Bk (BHB) paid $1.18 per share in dividends during fiscal year 2024.
What is Bar Harbor Bk's return on equity (ROE)?
Bar Harbor Bk (BHB) has a return on equity of 9.5% for fiscal year 2024, measuring how efficiently the company generates profit from shareholder equity.
What is Bar Harbor Bk's free cash flow?
Bar Harbor Bk (BHB) generated $45.0M in free cash flow during fiscal year 2024. This represents a 10.0% 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 $52.4M in operating cash flow during fiscal year 2024, representing cash generated from core business activities.
What are Bar Harbor Bk's total assets?
Bar Harbor Bk (BHB) had $4.1B in total assets as of fiscal year 2024, including both current and long-term assets.
What are Bar Harbor Bk's capital expenditures?
Bar Harbor Bk (BHB) invested $7.4M in capital expenditures during fiscal year 2024, funding long-term assets and infrastructure.
How many shares does Bar Harbor Bk have outstanding?
Bar Harbor Bk (BHB) had 15M shares outstanding as of fiscal year 2024.
What is Bar Harbor Bk's debt-to-equity ratio?
Bar Harbor Bk (BHB) had a debt-to-equity ratio of 0.09 as of fiscal year 2024, 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 1.1% for fiscal year 2024, 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 5 out of 9, indicating neutral 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 1.20x, 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 73 out of 100 on our Financial Profile, indicating strong 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.