[Form 4] BAR HARBOR BANKSHARES Insider Trading Activity

Rhea-AI Filing Summary

Bar Harbor Bankshares director Kenneth Eugene Smith reported purchases of the issuer's common stock on 09/12/2025 through the company's Dividend Reinvestment and Direct Stock Purchase and Sale Plan. The Form 4 shows three non-derivative acquisitions at prices of $32.83, $32.66, and $32.41 for amounts of 13, 206.371, and 45.707 shares respectively. Following these transactions the reporting person’s total beneficial ownership is reported as 27,096.431 shares. The filing was signed by an attorney-in-fact on 09/16/2025 and indicates the purchases were exempt under Rule 16b-3(d).

Positive

• Increased beneficial ownership to 27,096.431 shares, indicating continued insider alignment with shareholders
• Acquisitions executed under the Dividend Reinvestment and Direct Stock Purchase Plan, exempt under Rule 16b-3(d), reflecting routine, compliant activity

Negative

• None.

Insights

Corporate Governance Expert

TL;DR: Director increased stock ownership modestly via the company DRIP, reinforcing alignment with shareholders without signaling a material change.

The Form 4 documents modest, routine acquisitions executed under the issuer’s Dividend Reinvestment and Direct Stock Purchase Plan and exempted under Rule 16b-3(d). These purchases were executed at market prices in the low-$30s and raise the director’s beneficial stake to 27,096.431 shares. From a governance perspective, such reinvestments are typical and demonstrate continued insider alignment; they do not constitute a controlling shift or material change in ownership.

Securities/Insider Transactions Analyst

TL;DR: Routine DRIP acquisitions recorded; transaction sizes are small relative to total holdings and present no immediate market impact.

All reported line items are non-derivative purchases executed on the same date and documented at per-share prices of $32.83, $32.66, and $32.41. The filing explicitly cites the dividend reinvestment plan and Rule 16b-3(d) exemption, indicating these were administrative reinvestments rather than opportunistic open-market buys. The attorney-in-fact signature confirms timely reporting. No derivative activity or disposals are reported.

SEC Form 4

FORM 4

UNITED STATES SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549

STATEMENT OF CHANGES IN BENEFICIAL OWNERSHIP

Filed pursuant to Section 16(a) of the Securities Exchange Act of 1934
or Section 30(h) of the Investment Company Act of 1940

OMB APPROVAL

OMB Number:			3235-0287
Estimated average burden
hours per response:			0.5

Check this box if no longer subject to Section 16. Form 4 or Form 5 obligations may continue. See Instruction 1(b).

Check this box to indicate that a transaction was made pursuant to a contract, instruction or written plan for the purchase or sale of equity securities of the issuer that is intended to satisfy the affirmative defense conditions of Rule 10b5-1(c). See Instruction 10.

1. Name and Address of Reporting Person^*

Smith Kenneth Eugene

(Last) (First) (Middle)

PO BOX 400

82 MAIN STREET

(Street)

BAR HARBOR ME 04609

(City) (State) (Zip)

2. Issuer Name and Ticker or Trading Symbol
BAR HARBOR BANKSHARES [ BHB ]

5. Relationship of Reporting Person(s) to Issuer
(Check all applicable)

X	Director		10% Owner
	Officer (give title below)		Other (specify below)

3. Date of Earliest Transaction (Month/Day/Year)
09/12/2025

4. If Amendment, Date of Original Filed (Month/Day/Year)

6. Individual or Joint/Group Filing (Check Applicable Line)

X	Form filed by One Reporting Person
	Form filed by More than One Reporting Person

Table I - Non-Derivative Securities Acquired, Disposed of, or Beneficially Owned
1. Title of Security (Instr. 3)	2. Transaction Date (Month/Day/Year)	2A. Deemed Execution Date, if any (Month/Day/Year)	3. Transaction Code (Instr. 8)		4. Securities Acquired (A) or Disposed Of (D) (Instr. 3, 4 and 5)			5. Amount of Securities Beneficially Owned Following Reported Transaction(s) (Instr. 3 and 4)	6. Ownership Form: Direct (D) or Indirect (I) (Instr. 4)	7. Nature of Indirect Beneficial Ownership (Instr. 4)
			Code	V	Amount	(A) or (D)	Price
Common Stock	09/12/2025		A(1)	V	13	A	$32.83	26,844.353	D
Common Stock	09/12/2025		A(1)	V	206.371	A	$32.66	27,050.724	D
Common Stock	09/12/2025		A(1)	V	45.707	A	$32.41	27,096.431	D

Table II - Derivative Securities Acquired, Disposed of, or Beneficially Owned (e.g., puts, calls, warrants, options, convertible securities)
1. Title of Derivative Security (Instr. 3)	2. Conversion or Exercise Price of Derivative Security	3. Transaction Date (Month/Day/Year)	3A. Deemed Execution Date, if any (Month/Day/Year)	4. Transaction Code (Instr. 8)		5. Number of Derivative Securities Acquired (A) or Disposed of (D) (Instr. 3, 4 and 5)		6. Date Exercisable and Expiration Date (Month/Day/Year)		7. Title and Amount of Securities Underlying Derivative Security (Instr. 3 and 4)		8. Price of Derivative Security (Instr. 5)	9. Number of derivative Securities Beneficially Owned Following Reported Transaction(s) (Instr. 4)	10. Ownership Form: Direct (D) or Indirect (I) (Instr. 4)	11. Nature of Indirect Beneficial Ownership (Instr. 4)
				Code	V	(A)	(D)	Date Exercisable	Expiration Date	Title	Amount or Number of Shares

Explanation of Responses:

1. These shares were acquired through the reporting person's participation in the Bar Harbor Bankshares Dividend Reinvestment and Direct Stock Purchase and Sale Plan, in a transaction exempt under Rule 16b-3(d) under the Securities and Exchange Act of 1934, as amended.

	/s/ Olivia Erickson, Attorney-in-Fact	09/16/2025
	** Signature of Reporting Person	Date
Reminder: Report on a separate line for each class of securities beneficially owned directly or indirectly.
* If the form is filed by more than one reporting person, see Instruction 4 (b)(v).
** Intentional misstatements or omissions of facts constitute Federal Criminal Violations See 18 U.S.C. 1001 and 15 U.S.C. 78ff(a).
Note: File three copies of this Form, one of which must be manually signed. If space is insufficient, see Instruction 6 for procedure.
Persons who respond to the collection of information contained in this form are not required to respond unless the form displays a currently valid OMB Number.

FAQ

What transactions did Kenneth Eugene Smith report on the BHB Form 4?

The Form 4 reports three non-derivative acquisitions on 09/12/2025 via the issuer’s Dividend Reinvestment and Direct Stock Purchase Plan totaling increases that bring beneficial ownership to 27,096.431 shares.

At what prices were the BHB shares acquired by the reporting person?

The three reported purchases were recorded at per-share prices of $32.83, $32.66, and $32.41.

Was the Form 4 transaction exempt or part of a Rule 10b5-1 plan?

The filing states the shares were acquired through the Dividend Reinvestment and Direct Stock Purchase and Sale Plan and were exempt under Rule 16b-3(d).

What is the reporting person’s relationship to Bar Harbor Bankshares (BHB)?

The filing identifies Kenneth Eugene Smith as a Director of Bar Harbor Bankshares.

When was the Form 4 signed and who signed it?

The filing was signed by Olivia Erickson, Attorney-in-Fact on 09/16/2025.