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 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).
Balance-sheet expansion is outrunning earnings productivity, leaving Bar Harbor with more assets but lower returns on each dollar employed.
From FY2023 to FY2025, total assets climbed from$4.0B to$4.7B while net income fell from$44.9M to$36.9M ; that is why ROA slid from1.1% to0.8% and ROE from10.4% to6.9% . The important operating fact is not simple growth, but that a larger asset base and larger equity cushion are now producing less profit.
Cash generation still looks more durable than headline profit: operating cash flow exceeded net income in each of the last three years, including
The capital structure changed meaningfully in FY2025, with debt-to-equity rising to 0.3x and long-term debt reaching
Financial Health Signals
Scored against banks for FY2025. Each of the six dimensions is a percentile rank within that peer group; the overall is their average, with missing dimensions counted as zero out of six. A high score means strong standing among peers, not absolute cross-industry strength. How this score is calculated →
Health score ≠ stock price. This rates the quality of Bar Harbor Bk's business: profitability, growth, balance sheet strength. It doesn't tell you whether the stock is a good buy at today's price. Not financial advice. Use it alongside valuation analysis and your own research.
Bar Harbor Bk passes 3 of 7 computable financial strength tests (2 of the nine could not be computed from available data). 3 of 4 profitability signals pass, no leverage/liquidity signals pass (rising debt, declining liquidity, or share dilution), neither operating efficiency signal passes.
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
Earnings & Revenue
Bar Harbor Bk generated $209.5M in revenue in fiscal year 2025. This represents an increase of 11.0% from the prior year.
Bar Harbor Bk reported $36.9M in net income in fiscal year 2025. This represents a decrease of 15.2% from the prior year.
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
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.
Bar Harbor Bk held $80.8M in cash against $134.8M in long-term debt as of fiscal year 2025.
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.
Bar Harbor Bk had 17M shares outstanding in fiscal year 2025. This represents an increase of 9.3% from the prior year.
Margins & Returns
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.
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
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 | Q1'26 | Q4'25 | Q3'25 | Q2'25 | Q1'25 | Q4'24 | Q3'24 | Q2'24 |
|---|---|---|---|---|---|---|---|---|
| Revenue | $55.3M-3.7% | $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 |
| 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 | $15.8M-4.9% | $16.6M+4.1% | $15.9M+11.7% | $14.3M+3.9% | $13.7M+2.8% | $13.4M-7.1% | $14.4M+3.8% | $13.9M |
| Operating Income | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Interest Expense | $18.4M-2.0% | $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 |
| Income Tax | $3.6M+21.9% | $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 |
| Net Income | $13.5M+15.1% | $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 |
| EPS (Diluted) | $0.81 | N/A | $0.54+35.0% | $0.40-39.4% | $0.66 | N/A | $0.80+19.4% | $0.67 |
BHB Balance Sheet
| Metric | Q1'26 | Q4'25 | Q3'25 | Q2'25 | Q1'25 | Q4'24 | Q3'24 | Q2'24 |
|---|---|---|---|---|---|---|---|---|
| Total Assets | $4.7B-0.2% | $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 |
| Current Assets | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Cash & Equivalents | $82.2M+1.7% | $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 |
| 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% | $141.8M0.0% | $141.8M+18.7% | $119.5M0.0% | $119.5M0.0% | $119.5M0.0% | $119.5M0.0% | $119.5M |
| Total Liabilities | $4.1B-0.3% | $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 |
| Current Liabilities | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Long-Term Debt | $135.4M+0.4% | $134.8M+0.2% | $134.6M+229.2% | $40.9M0.0% | $40.9M0.0% | $40.9M-32.8% | $60.9M+0.1% | $60.8M |
| Total Equity | $537.9M+1.0% | $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 |
| Retained Earnings | $322.5M+2.6% | $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 |
BHB Cash Flow Statement
| Metric | Q1'26 | Q4'25 | Q3'25 | Q2'25 | Q1'25 | Q4'24 | Q3'24 | Q2'24 |
|---|---|---|---|---|---|---|---|---|
| Operating Cash Flow | $5.0M-70.7% | $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 |
| Capital Expenditures | $2.0M+1035.4% | $178K-83.8% | $1.1M-44.7% | $2.0M+28.7% | $1.5M+82.2% | $848K-19.9% | $1.1M-78.0% | $4.8M |
| Free Cash Flow | $3.0M-82.3% | $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 |
| Investing Cash Flow | $10.2M+156.2% | -$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 |
| Financing Cash Flow | -$13.8M+74.9% | -$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 |
| Dividends Paid | $5.4M+0.5% | $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 |
| Share Buybacks | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
BHB Financial Ratios
| Metric | Q1'26 | Q4'25 | Q3'25 | Q2'25 | Q1'25 | Q4'24 | Q3'24 | Q2'24 |
|---|---|---|---|---|---|---|---|---|
| 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 | 24.5%+4.0pp | 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% |
| Return on Equity | 2.5%+0.3pp | 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% |
| Return on Assets | 0.3%+0.0pp | 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% |
| Current Ratio | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Debt-to-Equity | 0.250.0 | 0.250.0 | 0.26+0.2 | 0.090.0 | 0.090.0 | 0.09-0.0 | 0.130.0 | 0.14 |
| FCF Margin | 5.4%-24.2pp | 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% |
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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.
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 7 computable signals; 2 of the nine could not be computed from available data, so the full-scale strength rating is not shown. 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 to 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 47 out of 100 on our Financial Health Score, indicating moderate standing within its banks peer group. The score is a 0-100 composite of six dimensions (Earnings, Growth, Capital, Efficiency, Credit Quality, Stability), each ranked as a percentile relative to companies in the same scoring family (banks against banks, REITs against REITs, and so on) rather than across all industries. It rates the quality of the business, not whether the stock is fairly priced, and is not financial advice. Learn more in our complete guide to financial health indicators.