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

Bar Harbor Bankshares (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 Bankshares (BHB) Financials

BHB

Trailing 12 months to June 30, 2026

Revenue $193.4M +29.3% YoY

Net Income $49.4M +25.0% YoY

EPS (Diluted) $2.97 +15.6% YoY

Free Cash Flow $57.2M +24.5% YoY

Market Cap $645.2M as of Oct 9, 2026

Price / Sales 3.3x on $193.4M revenue, trailing 12 months to June 30, 2026

Price / Earnings 13.1x on $49.4M net income, trailing 12 months to June 30, 2026

Price / Book 1.2x on $549.6M equity, Q2 FY2026

A multiple compares the market's price with a filed figure; it says what the market pays, not how the business is doing. The market capitalization is the vendor's as of Oct 9, 2026; every other figure is from the SEC filings on this page. Not financial advice.

Source SEC Filings (10-K/10-Q) Latest period Q2 FY2026, ended Jun 30, 2026 Reported Aug 5, 2026 Currency USD FYE December

Newest figures come from the 10-Q for Q2 FY2026, filed Aug 5, 2026. Each column of the statement tables below links to the filing it was taken from, and every filing is listed on the BHB SEC filings page.

Bar Harbor Bankshares (BHB) reported $193.4M in revenue over the twelve months to Jun 30, 2026, up 29.3% from the prior twelve months. This page shows its income statement, balance sheet, cash flow statement, and key financial ratios. View 15 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).

Rhea AI BHB FY2025 2026-10-04

Bar Harbor expanded its balance sheet faster than profits in FY2025, leaving returns lower despite higher revenue and cash generation.

Revenue growth did not translate into earnings growth: revenue rose 12.1% in FY2025 while net income fell 15.2%. Interest expense stayed near $75.0M across FY2024 and FY2025 while net margin fell to 21.9%, so funding costs help explain why higher revenue produced less profit.

The asset base grew in FY2025 while ROA fell from 1.1% to 0.8%. That combination means added balance-sheet scale produced less profit per dollar deployed, while debt-to-equity rose from 0.1x to 0.3x, indicating a more leveraged funding mix.

Operating cash flow of $48.3M exceeded net income of $36.9M, showing earnings were not merely accrual-based. Free cash flow of $43.5M against $4.8M of capital expenditures indicates cash generation remained well above reinvestment needs, even as returns weakened.

Financial Health Signals

Financial Health Score 47/100

Scored as: Banks peer group

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 Bankshares'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.

Earnings

Bar Harbor Bankshares earned a return on assets of 0.8% in fiscal year 2025, which is the profit it made on every dollar of assets on its books. This is down from 1.1% the prior year. Earnings ranks banks on that return over three years, and Bar Harbor Bankshares scores 57/100 among other banks.

Growth

Bar Harbor Bankshares reported revenue of $168.9M in fiscal year 2025, against $150.7M in fiscal year 2024. Growth ranks banks on the three-year path of their net revenue, which is interest income and fee income less the interest they pay out, and Bar Harbor Bankshares scores 37/100 among other banks.

Capital

Bar Harbor Bankshares funded 11.4% of its assets with shareholders' equity at the end of fiscal year 2025, holding $532.5M of equity against $4.7B of assets. Capital ranks banks on that cushion, and Bar Harbor Bankshares scores 51/100 among other banks.

Efficiency

Efficiency measures what a bank spends running itself against the revenue that spending brings in, so a lower ratio is the better one. Bar Harbor Bankshares scores 42/100 on it among other banks.

Credit Quality

Not available for Bar Harbor Bankshares, and counted as zero in the overall score.

Stability

Bar Harbor Bankshares reported net income of $36.9M in fiscal year 2025, against $43.5M in fiscal year 2024. Stability ranks banks on how steady net income has been across five years, and Bar Harbor Bankshares scores 95/100 among other banks.

Piotroski F-Score Partial

3/7

Bar Harbor Bankshares 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.

Earnings Quality Cash-Backed

1.31x

For every $1 of reported earnings, Bar Harbor Bankshares 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

$49.7M

YoY+43.7%

QoQ+5.0%

5Y CAGR+9.0%

10Y CAGR+12.7%

Bar Harbor Bankshares generated $49.7M in revenue in Q2 2026. This represents an increase of 43.7% from the same quarter a year earlier. Against the prior quarter it is up 5.0%.

Net Income

$15.2M

YoY+149.9%

QoQ+12.4%

5Y CAGR+11.0%

10Y CAGR+13.4%

Bar Harbor Bankshares reported $15.2M in net income in Q2 2026. This represents an increase of 149.9% from the same quarter a year earlier. Against the prior quarter it is up 12.4%.

EPS (Diluted)

$0.91

YoY+127.5%

QoQ+12.3%

5Y CAGR+8.7%

10Y CAGR+6.8%

Bar Harbor Bankshares earned $0.91 per diluted share (EPS) in Q2 2026. This represents an increase of 127.5% from the same quarter a year earlier. Against the prior quarter it is up 12.3%.

EBITDA

Not reported for Q2 2026.

Cash & Balance Sheet

Free Cash Flow

$21.8M

YoY+563.6%

QoQ+625.5%

10Y CAGR+25.2%

Bar Harbor Bankshares generated $21.8M in free cash flow in Q2 2026, representing cash available after capex. This represents an increase of 563.6% from the same quarter a year earlier. Against the prior quarter it is up 625.5%.

Cash & Debt

$104.4M

YoY+19.9%

QoQ+27.0%

5Y CAGR-9.7%

10Y CAGR+15.0%

Bar Harbor Bankshares held $104.4M in cash against $135.6M in long-term debt as of Q2 2026.

Dividends Per Share

$0.34

YoY+6.3%

QoQ+6.3%

Bar Harbor Bankshares paid $0.34 per share in dividends in Q2 2026. This represents an increase of 6.3% from the same quarter a year earlier. Against the prior quarter it is up 6.3%.

Shares Outstanding

17M

YoY+0.5%

QoQ+0.1%

5Y CAGR+2.3%

10Y CAGR+10.8%

Bar Harbor Bankshares had 17M shares outstanding in Q2 2026. This represents an increase of 0.5% from the same quarter a year earlier. Against the prior quarter it is up 0.1%.

Margins & Returns

Net Margin

30.7%

YoY+13.0pp

QoQ+2.0pp

5Y change+2.7pp

10Y change+1.9pp

Bar Harbor Bankshares's net profit margin was 30.7% in Q2 2026, showing the share of revenue converted to profit. This is up 13.0 percentage points from the same quarter a year earlier. Against the prior quarter it is up 2.0 percentage points.

Return on Equity

2.8%

YoY+1.5pp

QoQ+0.2pp

5Y change+0.6pp

10Y change+0.2pp

Bar Harbor Bankshares's ROE was 2.8% in Q2 2026, measuring profit generated per dollar of shareholder equity. This is up 1.5 percentage points from the same quarter a year earlier. Against the prior quarter it is up 0.2 percentage points.

Gross Margin

Not reported for Q2 2026.

Operating Margin

Not reported for Q2 2026.

Capital Allocation

Capital Expenditures

$3.6M

YoY+82.0%

QoQ+79.0%

5Y CAGR+168.3%

10Y CAGR+11.7%

Bar Harbor Bankshares invested $3.6M in capex in Q2 2026, funding long-term assets and infrastructure. This represents an increase of 82.0% from the same quarter a year earlier. Against the prior quarter it is up 79.0%.

R&D Spending

Not reported for Q2 2026.

Share Buybacks

Not reported for Q2 2026.

BHB Income Statement

Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.

BHB quarterly income statement

Metric	TTM	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K	FY1210-K	FY1110-K
Revenue	$193.4M	$168.9M+12.1%	$150.7M-1.3%	$152.7M+3.0%	$148.3M+7.6%	$137.8M-3.0%	$142.1M+19.6%	$118.9M+0.1%	$118.8M+0.6%	$118.1M+104.7%	$57.7M+7.3%	$53.8M+4.3%	$51.6M+10.5%	$46.7M+4.4%	$44.7M+8.5%	$41.2M
SG&A Expenses	$65.1M	$60.5M+10.4%	$54.8M+4.4%	$52.5M+7.9%	$48.7M+3.3%	$47.1M-3.7%	$48.9M+8.7%	$45.0M+9.9%	$41.0M+3.5%	$39.6M+100.2%	$19.8M+10.6%	$17.9M+6.2%	$16.8M+10.6%	$15.2M+8.6%	$14.0M+9.5%	$12.8M
Interest Expense	$74.1M	$75.0M+0.2%	$74.9M+32.5%	$56.5M+339.9%	$12.8M-15.7%	$15.2M-43.4%	$26.9M-40.9%	$45.6M+24.6%	$36.6M+52.9%	$23.9M+97.4%	$12.1M+16.6%	$10.4M+4.9%	$9.9M-15.1%	$11.7M-15.9%	$13.9M-16.0%	$16.5M
Income Tax	$12.8M	$9.0M-0.6%	$9.1M-26.0%	$12.3M+8.7%	$11.3M+21.0%	$9.3M+11.0%	$8.4M+99.7%	$4.2M-44.3%	$7.6M-54.5%	$16.6M+183.0%	$5.9M-1.5%	$6.0M+0.9%	$5.9M+13.9%	$5.2M+5.0%	$4.9M+10.8%	$4.5M
Net Income	$49.4M	$36.9M-15.2%	$43.5M-2.9%	$44.9M+3.0%	$43.6M+10.8%	$39.3M+18.2%	$33.2M+47.0%	$22.6M-31.3%	$32.9M+26.7%	$26.0M+74.1%	$14.9M-1.5%	$15.2M+3.7%	$14.6M+10.8%	$13.2M+5.8%	$12.5M+12.9%	$11.0M
EPS (Basic)	N/A	$2.32-18.9%	$2.86-3.4%	$2.96+2.1%	$2.90+10.3%	$2.63+20.6%	$2.18+49.3%	$1.46-31.5%	$2.13+24.6%	$1.71+3.6%	$1.65-2.4%	$1.69-31.6%	$2.47+10.3%	$2.24+5.2%	$2.13-25.5%	$2.86
EPS (Diluted)	$2.97	$2.31-18.7%	$2.84-3.7%	$2.95+2.4%	$2.88+10.3%	$2.61+19.7%	$2.18+50.3%	$1.45-31.6%	$2.12+24.7%	$1.70	$1.63-2.4%	$1.67	$2.45+10.4%	$2.22+4.7%	$2.12	$2.85
Diluted Shares (Avg)	N/A	16M+4.2%	15M+0.8%	15M+0.6%	15M+0.4%	15M-1.5%	15M-2.0%	16M+0.1%	16M+1.8%	15M	9M+0.6%	9M	6M+0.8%	6M+0.8%	6M	4M

Metric	Q2'2610-Q	Q1'2610-Q	Q4'2510-Q	Q3'2510-Q	Q2'2510-Q	Q1'2510-Q	Q4'2410-K	Q3'2410-Q
Revenue	$49.7M+43.7%	$47.3M+24.7%	$48.9M+27.3%	$47.5M+23.1%	$34.5M-7.2%	$37.9M+4.1%	$38.5M+3.7%	$38.6M+2.2%
SG&A Expenses	$16.8M+17.9%	$15.8M+14.9%	$16.6M+24.2%	$15.9M+10.8%	$14.3M+3.0%	$13.7M+3.7%	$13.4M-1.1%	$14.4M+10.5%
Interest Expense	$18.0M-4.3%	$18.4M-0.8%	$18.8M+1.8%	$19.0M-3.4%	$18.8M-1.5%	$18.5M+4.3%	$18.4M+8.2%	$19.6M+23.0%
Income Tax	$4.0M+189.1%	$3.6M+45.6%	$3.0M+16.3%	$2.2M+53.9%	$1.4M-45.4%	$2.5M-3.3%	$2.6M-3.5%	$1.4M-55.8%
Net Income	$15.2M+149.9%	$13.5M+32.6%	$11.8M+6.9%	$8.9M-27.4%	$6.1M-40.6%	$10.2M+1.1%	$11.0M+10.6%	$12.2M+9.8%
EPS (Basic)	$0.91+127.5%	$0.81+20.9%	$0.71-1.4%	$0.55-31.3%	$0.40-40.3%	$0.67+1.5%	$0.72+10.8%	$0.80+9.6%
EPS (Diluted)	$0.91+127.5%	$0.81+22.7%	$0.710.0%	$0.54-32.5%	$0.40-40.3%	$0.660.0%	$0.71+9.2%	$0.80+9.6%
Diluted Shares (Avg)	17M+9.3%	17M+9.2%	N/A	16M+6.2%	15M+0.6%	15M+0.8%	N/A	15M+0.9%

Not reported in any period shown, so not listed: Cost of Revenue, Gross Profit, R&D Expenses, Operating Income, EBITDA.

BHB Balance Sheet

BHB quarterly balance sheet

Metric	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K	FY1210-K	FY1110-K
Total Assets	$4.7B+14.7%	$4.1B+2.8%	$4.0B+1.6%	$3.9B+5.4%	$3.7B-0.4%	$3.7B+1.5%	$3.7B+1.7%	$3.6B+1.2%	$3.6B+103.1%	$1.8B+11.1%	$1.6B+8.3%	$1.5B+6.2%	$1.4B+5.4%	$1.3B+11.6%	$1.2B
Cash & Equivalents	$80.8M+12.0%	$72.2M-23.9%	$94.8M+2.8%	$92.3M-63.1%	$250.4M+10.8%	$226.0M+297.1%	$56.9M-42.4%	$98.8M+8.9%	$90.7M+974.6%	$8.4M-13.2%	$9.7M-0.8%	$9.8M+6.5%	$9.2M-38.6%	$15.0M+71.9%	$8.7M
Short-Term Investments	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0
Long-Term Investments	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0
Goodwill	$141.8M+18.7%	$119.5M0.0%	$119.5M0.0%	$119.5M0.0%	$119.5M0.0%	$119.5M+0.7%	$118.6M+18.5%	$100.1M0.0%	$100.1M+1928.1%	$4.9M0.0%	$4.9M0.0%	$4.9M0.0%	$4.9M0.0%	$4.9M+56.3%	$3.2M
Total Liabilities	$4.2B+14.5%	$3.6B+2.4%	$3.5B+0.6%	$3.5B+7.0%	$3.3B-1.0%	$3.3B+1.4%	$3.3B+1.1%	$3.2B+0.9%	$3.2B+100.8%	$1.6B+12.1%	$1.4B+8.6%	$1.3B+4.8%	$1.3B+6.6%	$1.2B+12.0%	$1.0B
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+32.4%	$183.2M+141.4%	$75.9M-57.9%	$180.2M+26.8%	$142.1M	N/A	N/A	N/A	$142.5M+2.2%	$139.5M
Total Equity	$532.5M+16.2%	$458.4M+6.1%	$432.1M+9.8%	$393.4M-7.2%	$424.1M+4.2%	$407.1M+2.7%	$396.3M+6.9%	$370.6M+4.5%	$354.6M+126.3%	$156.7M+1.7%	$154.2M+5.4%	$146.3M+20.5%	$121.4M-5.2%	$128.0M+8.3%	$118.3M
Retained Earnings	$314.4M+5.5%	$297.9M+9.5%	$272.1M+11.6%	$243.8M+13.1%	$215.6M+10.2%	$195.6M+11.3%	$175.8M+5.6%	$166.5M+14.9%	$145.0M+11.1%	$130.5M+6.7%	$122.3M+8.1%	$113.1M+8.9%	$103.9M+10.7%	$93.9M+8.9%	$86.2M

Metric	Q2'2610-Q	Q1'2610-Q	Q4'2510-Q	Q3'2510-Q	Q2'2510-Q	Q1'2510-Q	Q4'2410-K	Q3'2410-Q
Total Assets	$4.7B+15.3%	$4.7B+15.1%	$4.7B+14.7%	$4.7B+17.1%	$4.1B+1.9%	$4.1B+2.6%	$4.1B+2.8%	$4.0B+1.2%
Cash & Equivalents	$104.4M+19.9%	$82.2M-6.7%	$80.8M+12.0%	$136.7M+68.3%	$87.0M-14.5%	$88.1M+15.6%	$72.2M-23.9%	$81.2M-33.9%
Short-Term Investments	$0	$0	$0	$0	$0	$0	$0	$0
Long-Term Investments	$0	$0	$0	$0	$0	$0	$0	$0
Goodwill	$141.8M+18.7%	$141.8M+18.7%	$141.8M+18.7%	$141.8M+18.7%	$119.5M0.0%	$119.5M0.0%	$119.5M0.0%	$119.5M0.0%
Total Liabilities	$4.2B+15.1%	$4.1B+15.1%	$4.2B+14.5%	$4.2B+17.5%	$3.6B+1.3%	$3.6B+2.1%	$3.6B+2.4%	$3.6B-0.3%
Long-Term Debt	$135.6M+231.8%	$135.4M+231.3%	$134.8M+229.8%	$134.6M+121.1%	$40.9M-32.8%	$40.9M-32.7%	$40.9M-32.7%	$60.9M-3.4%
Total Equity	$549.6M+17.2%	$537.9M+15.1%	$532.5M+16.2%	$521.0M+13.3%	$468.9M+6.8%	$467.3M+7.3%	$458.4M+6.1%	$459.9M+13.8%
Retained Earnings	$332.0M+9.0%	$322.5M+6.3%	$314.4M+5.5%	$308.0M+5.7%	$304.5M+7.3%	$303.4M+9.2%	$297.9M+9.5%	$291.4M+9.4%

Not reported in any period shown, so not listed: Current Assets, Inventory, Accounts Receivable, Current Liabilities, Non-Current Liabilities.

BHB Cash Flow Statement

BHB quarterly cash flow statement

Metric	TTM	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K	FY1210-K	FY1110-K
Operating Cash Flow	$64.1M	$48.3M-7.8%	$52.4M+10.5%	$47.4M-15.2%	$55.9M-5.5%	$59.2M+186.1%	$20.7M-31.2%	$30.1M-20.3%	$37.7M-6.5%	$40.4M+140.3%	$16.8M-17.4%	$20.3M+30.9%	$15.5M-28.0%	$21.6M+2.2%	$21.1M+30.7%	$16.1M
Depreciation & Amortization	N/A	$5.8M+13.4%	$5.1M0.0%	$5.1M-1.8%	$5.2M-5.7%	$5.5M-4.9%	$5.8M+40.8%	$4.1M+11.7%	$3.7M+4.2%	$3.6M+129.1%	$1.6M-9.3%	$1.7M-0.6%	$1.7M+7.8%	$1.6M+20.2%	$1.3M+12.5%	$1.2M
Stock-Based Compensation	N/A	$3.1M-6.4%	$3.3M+24.2%	$2.6M+36.7%	$1.9M-9.8%	$2.1M+36.9%	$1.6M+14.3%	$1.4M+2.0%	$1.3M+5.7%	$1.3M-0.3%	$1.3M+56.6%	$816K+54.0%	$530K+33.2%	$398K+124.9%	$177K+78.8%	$99K
Capital Expenditures	$6.9M	$4.8M-35.0%	$7.4M+13.2%	$6.5M+159.5%	$2.5M+46.7%	$1.7M-74.7%	$6.8M-26.2%	$9.2M+91.6%	$4.8M+51.8%	$3.2M-26.5%	$4.3M+130.2%	$1.9M-6.8%	$2.0M-16.4%	$2.4M-38.5%	$3.9M+3.4%	$3.8M
Free Cash Flow	$57.2M	$43.5M-3.4%	$45.0M+10.0%	$40.9M-23.5%	$53.4M-7.1%	$57.5M+313.1%	$13.9M-33.4%	$20.9M-36.6%	$32.9M-11.5%	$37.2M+197.7%	$12.5M-32.3%	$18.5M+36.5%	$13.5M-29.4%	$19.2M+11.4%	$17.2M+39.0%	$12.4M
Investing Cash Flow	$71.6M	$88.7M+162.5%	-$141.9M-127.8%	-$62.3M+84.8%	-$408.9M-8504.5%	-$4.8M-103.0%	$160.2M+303.7%	-$78.7M-78.9%	-$44.0M+72.4%	-$159.0M+12.6%	-$181.9M-42.1%	-$128.0M-82.4%	-$70.2M+30.3%	-$100.6M-9.0%	-$92.4M-78.2%	-$51.8M
Financing Cash Flow	-$118.4M	-$128.3M-292.0%	$66.8M+283.4%	$17.4M-91.1%	$194.9M+748.9%	-$30.0M-154.0%	-$11.8M-275.6%	$6.7M-52.9%	$14.3M-92.9%	$200.9M+22.6%	$163.8M+52.3%	$107.6M+94.8%	$55.2M-24.7%	$73.3M-5.5%	$77.6M+145.5%	$31.6M
Dividends Paid	$21.9M	$20.4M+14.7%	$17.8M+7.4%	$16.6M+8.0%	$15.3M+9.0%	$14.1M+4.9%	$13.4M+0.4%	$13.4M+9.7%	$12.2M+5.9%	$11.5M+74.9%	$6.6M+8.9%	$6.0M+12.6%	$5.4M+9.1%	$4.9M+7.7%	$4.6M+8.0%	$4.2M
Share Buybacks	N/A	N/A	N/A	N/A	N/A	N/A	$14.2M+5836.4%	$239K-26.2%	$324K+14.9%	$282K-43.3%	$497K+1970.8%	$24K+200.0%	$8K-66.7%	$24K-86.7%	$181K-70.9%	$623K

Metric	Q2'2610-Q	Q1'2610-Q	Q4'2510-Q	Q3'2510-Q	Q2'2510-Q	Q1'2510-Q	Q4'2410-K	Q3'2410-Q
Operating Cash Flow	$25.4M+381.9%	$5.0M-46.1%	$17.2M+29.4%	$16.5M-29.6%	$5.3M-25.8%	$9.3M+9.5%	$13.3M-18.7%	$23.5M+25.6%
Depreciation & Amortization	$1.7M+33.0%	$1.7M+33.9%	$1.7M+36.1%	$1.5M+20.5%	$1.3M-3.2%	$1.3M+0.6%	$1.3M	$1.3M
Stock-Based Compensation	N/A	$825K+62.7%	N/A	N/A	N/A	$507K+4.1%	N/A	N/A
Capital Expenditures	$3.6M+82.0%	$2.0M+30.8%	$178K-79.0%	$1.1M+3.9%	$2.0M-58.7%	$1.5M+130.3%	$848K-70.6%	$1.1M-27.3%
Free Cash Flow	$21.8M+563.6%	$3.0M-61.4%	$17.0M+36.8%	$15.4M-31.2%	$3.3M+43.9%	$7.8M-0.9%	$12.4M-7.6%	$22.4M+30.1%
Investing Cash Flow	-$48.2M+9.1%	$10.2M-68.4%	-$18.1M+73.2%	$127.7M+845.9%	-$53.0M-6.0%	$32.1M+543.8%	-$67.5M-1630.3%	-$17.1M-165.0%
Financing Cash Flow	$45.0M-3.6%	-$13.8M+45.7%	-$55.0M-221.7%	-$94.6M-250.4%	$46.7M-31.9%	-$25.4M-27.7%	$45.2M+211.9%	-$27.0M+41.3%
Dividends Paid	$5.7M+13.7%	$5.4M+17.0%	$5.4M+18.5%	$5.4M+18.5%	$5.0M+11.5%	$4.6M+9.9%	$4.5M+7.7%	$4.5M+7.6%

Not reported in any period shown, so not listed: Share Buybacks.

BHB Financial Ratios

Margins and returns are percentages; the remaining ratios are unitless multiples. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.

BHB quarterly financial ratios

Metric	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K	FY1210-K	FY1110-K
Net Margin	21.9%-7.0pp	28.9%-0.5pp	29.4%0.0pp	29.4%+0.9pp	28.5%+5.1pp	23.4%+4.4pp	19.0%-8.7pp	27.7%+5.7pp	22.0%-3.9pp	25.9%-2.3pp	28.2%-0.2pp	28.3%+0.1pp	28.3%+0.4pp	27.9%+1.1pp	26.8%
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%+2.5pp	5.7%-3.2pp	8.9%+1.6pp	7.3%-2.2pp	9.5%-0.3pp	9.8%-0.2pp	10.0%-0.9pp	10.9%+1.1pp	9.7%+0.4pp	9.3%
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%+0.3pp	0.6%-0.3pp	0.9%+0.2pp	0.7%-0.1pp	0.9%-0.1pp	1.0%0.0pp	1.0%0.0pp	1.0%0.0pp	1.0%0.0pp	0.9%
Debt-to-Equity	0.25+0.2x	0.09-0.1x	0.140.0x	0.160.0x	0.20-0.4x	0.60+0.1x	0.46+0.3x	0.20-0.3x	0.51-0.4x	0.91-8.3x	9.25+0.3x	8.98-1.3x	10.32+9.2x	1.11-0.1x	1.18
Asset Turnover	0.040.0x	0.040.0x	0.040.0x	0.040.0x	0.040.0x	0.040.0x	0.030.0x	0.030.0x	0.030.0x	0.030.0x	0.030.0x	0.040.0x	0.030.0x	0.030.0x	0.04
FCF Margin	25.7%-4.1pp	29.8%+3.1pp	26.8%-9.2pp	36.0%-5.7pp	41.7%+31.9pp	9.8%-7.8pp	17.6%-10.1pp	27.7%-3.8pp	31.5%+9.8pp	21.6%-12.7pp	34.3%+8.1pp	26.2%-14.9pp	41.1%+2.6pp	38.5%+8.4pp	30.0%

Metric	Q2'2610-Q	Q1'2610-Q	Q4'2510-Q	Q3'2510-Q	Q2'2510-Q	Q1'2510-Q	Q4'2410-K	Q3'2410-Q
Net Margin	30.7%+13.0pp	28.6%+1.7pp	24.0%-4.6pp	18.6%-13.0pp	17.6%-9.9pp	26.9%-0.8pp	28.6%+1.8pp	31.6%+2.2pp
Return on Equity	2.8%+1.5pp	2.5%+0.3pp	2.2%-0.2pp	1.7%-0.9pp	1.3%-1.0pp	2.2%-0.1pp	2.4%+0.1pp	2.6%-0.1pp
Return on Assets	0.3%+0.2pp	0.3%0.0pp	0.3%0.0pp	0.2%-0.1pp	0.1%-0.1pp	0.3%0.0pp	0.3%0.0pp	0.3%0.0pp
Debt-to-Equity	0.25+0.2x	0.25+0.2x	0.25+0.2x	0.26+0.1x	0.09-0.1x	0.09-0.1x	0.09-0.1x	0.130.0x
Asset Turnover	0.010.0x	0.010.0x	0.010.0x	0.010.0x	0.010.0x	0.010.0x	0.010.0x	0.010.0x
FCF Margin	43.8%+34.3pp	6.3%-14.2pp	34.7%+2.4pp	32.5%-25.7pp	9.5%+3.4pp	20.5%-1.0pp	32.3%-3.9pp	58.1%+12.5pp

Not reported in any period shown, so not listed: Gross Margin, Operating Margin, Current Ratio.

Similar Companies

Newest fiscal year on record for each company. The health score is the peer-relative Financial Health Score for that year; a dash means no score is published for it.

Company	Fiscal year	Revenue	Net income	Net margin	Market cap	Health score
Bar Harbor Bankshares BHB	FY2025	$168.9M	$36.9M	21.9%	$645.2M	47/100
Guaranty Bancshares, Inc. GNTY	FY2024	$118.6M	$31.5M	26.6%	$553.2M	37/100
Washington Trust Bancorp Inc WASH	FY2025	$229.0M	$52.2M	22.8%	$714.1M	30/100
HarborOne Bancorp, Inc. HONE	FY2024	$172.6M	$27.4M	15.9%	$522.2M	30/100
Peoples Financial Services Corp. PFIS	FY2025	$187.7M	$59.2M	31.5%	$684.2M	37/100
Northfield Bancorp, Inc. NFBK	FY2025	$154.3M	$796K	0.5%	$639.4M	29/100

Where Bar Harbor Bankshares Ranks

Frequently Asked Questions

What is Bar Harbor Bankshares's annual revenue?

Bar Harbor Bankshares (BHB) reported $168.9M in total revenue for fiscal year 2025. This represents a 12.1% 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 Bankshares's revenue growing?

Bar Harbor Bankshares (BHB) revenue grew by 12.1% year-over-year, from $150.7M to $168.9M in fiscal year 2025.

Is Bar Harbor Bankshares profitable?

Yes, Bar Harbor Bankshares (BHB) reported a net income of $36.9M in fiscal year 2025, with a net profit margin of 21.9%.

How much debt does Bar Harbor Bankshares have?

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

What is Bar Harbor Bankshares's net profit margin?

Bar Harbor Bankshares (BHB) had a net profit margin of 21.9% in fiscal year 2025, representing the share of revenue converted into profit after all expenses.

Does Bar Harbor Bankshares pay dividends?

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

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

Bar Harbor Bankshares (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 Bankshares's free cash flow?

Bar Harbor Bankshares (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 Bankshares's operating cash flow?

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

What are Bar Harbor Bankshares's total assets?

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

What are Bar Harbor Bankshares's capital expenditures?

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

How many shares does Bar Harbor Bankshares have outstanding?

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

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

Bar Harbor Bankshares (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 Bankshares's return on assets (ROA)?

Bar Harbor Bankshares (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 Bankshares's P/E ratio?

Bar Harbor Bankshares (BHB) trades at 13.1x earnings, its market capitalization divided by net income of $49.4M net income, trailing 12 months to June 30, 2026. The market capitalization is $645.2M as of Oct 9, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.

What is Bar Harbor Bankshares's price-to-sales ratio?

Bar Harbor Bankshares (BHB) trades at 3.3x sales, its market capitalization divided by revenue of $193.4M revenue, trailing 12 months to June 30, 2026. The market capitalization is $645.2M as of Oct 9, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.

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

Bar Harbor Bankshares (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 Bankshares's earnings high quality?

Bar Harbor Bankshares (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 Bankshares?

Bar Harbor Bankshares (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.