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Stocks · Financials · State Commercial Banks

BAR HARBOR BANKSHARES

BHB Clue Score69
United States Fiscal year ends December CIK 0000743367
$37.83 -1.69% Close, 9 Oct 2026
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Price $37.83 +33.63% Close, 9 Oct 2026

Closing prices at the end of each trading day, from 12 Oct 2016. Not a live quote. Adjusted for share splits, so the line has no step at a split; dividends are not added back. P/E and P/FCF are the market value over the last full fiscal year's net income or free cash flow, as public on each day, so they step once a year when the annual report comes out. A hatched band marks a stretch with none: a year of net loss, or of cash burnt.

Revenue and profit

What the business sells, and what is left of it. Point at a year for the detail.
RevenueNet income
Fiscal year 2016Net income14.9EPS, diluted1.63Fiscal year 2017Net income26.0 +74.1%EPS, diluted1.70Fiscal year 2018Revenue21.5Net income32.9 +26.7%EPS, diluted2.12Fiscal year 2019Revenue22.2 +3.1%Net income22.6 −31.3%EPS, diluted1.45Fiscal year 2020Revenue24.7 +11.3%Net income33.2 +47.0%EPS, diluted2.18Fiscal year 2021Revenue28.4 +14.9%Net income39.3 +18.2%EPS, diluted2.61Fiscal year 2022Revenue29.4 +3.4%Net income43.6 +10.8%EPS, diluted2.88Fiscal year 2023Net income44.9 +3.0%EPS, diluted2.95Fiscal year 2024Net income43.5 −2.9%EPS, diluted2.84Fiscal year 2025Net income36.9 −15.2%EPS, diluted2.31
FY2016FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Revenue n/a n/a 21.5 22.2 24.7 28.4 29.4 n/a n/a n/a
Growth +3.1% +11.3% +14.9% +3.4%
Net income 14.9 26.0 32.9 22.6 33.2 39.3 43.6 44.9 43.5 36.9
Growth +74.1% +26.7% −31.3% +47.0% +18.2% +10.8% +3.0% −2.9% −15.2%
EPS, diluted 1.63 1.70 2.12 1.45 2.18 2.61 2.88 2.95 2.84 2.31

Margins

How much of each dollar of revenue it keeps. Point at a year for the detail.
Net margin
Fiscal year 2016Fiscal year 2017Fiscal year 2018Net margin153.0%Free cash flow margin153.0%Fiscal year 2019Net margin101.9%Free cash flow margin94.1%Fiscal year 2020Net margin134.6%Free cash flow margin56.3%Fiscal year 2021Net margin138.4%Free cash flow margin202.4%Fiscal year 2022Net margin148.3%Free cash flow margin181.8%Fiscal year 2023Fiscal year 2024Fiscal year 2025
FY2016FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Net margin n/a n/a 153.0% 101.9% 134.6% 138.4% 148.3% n/a n/a n/a
Free cash flow margin n/a n/a 153.0% 94.1% 56.3% 202.4% 181.8% n/a n/a n/a

Cash flow

The cash the business makes, what it reinvests, and what it hands back. Point at a year for the detail.
Operating cash flowCapital expenditureFree cash flow
Fiscal year 2016Operating cash flow16.8Capital expenditure−4.3Free cash flow12.5Buybacks−0.5Dividends paid−6.6Fiscal year 2017Operating cash flow40.4Capital expenditure−3.2Free cash flow37.2 +197.7%Buybacks−0.3Dividends paid−11.5Fiscal year 2018Operating cash flow37.7Capital expenditure−4.8Free cash flow32.9 −11.5%Buybacks−0.3Dividends paid−12.2Fiscal year 2019Operating cash flow30.1Capital expenditure−9.2Free cash flow20.9 −36.6%Buybacks−0.2Dividends paid−13.4Fiscal year 2020Operating cash flow20.7Capital expenditure−6.8Free cash flow13.9 −33.4%Buybacks−14.2Dividends paid−13.4Fiscal year 2021Operating cash flow59.2Capital expenditure−1.7Free cash flow57.5 +313.1%Dividends paid−14.1Fiscal year 2022Operating cash flow55.9Capital expenditure−2.5Free cash flow53.4 −7.1%Dividends paid−15.3Fiscal year 2023Operating cash flow47.4Capital expenditure−6.5Free cash flow40.9 −23.5%Dividends paid−16.6Fiscal year 2024Operating cash flow52.4Capital expenditure−7.4Free cash flow45.0 +10.0%Dividends paid−17.8Fiscal year 2025Operating cash flow48.3Capital expenditure−4.8Free cash flow43.5 −3.4%Dividends paid−20.4
FY2016FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Operating cash flow 16.8 40.4 37.7 30.1 20.7 59.2 55.9 47.4 52.4 48.3
Capital expenditure −4.3 −3.2 −4.8 −9.2 −6.8 −1.7 −2.5 −6.5 −7.4 −4.8
Free cash flow 12.5 37.2 32.9 20.9 13.9 57.5 53.4 40.9 45.0 43.5
Growth +197.7% −11.5% −36.6% −33.4% +313.1% −7.1% −23.5% +10.0% −3.4%
Buybacks −0.5 −0.3 −0.3 −0.2 −14.2 n/a n/a n/a n/a n/a
Dividends paid −6.6 −11.5 −12.2 −13.4 −13.4 −14.1 −15.3 −16.6 −17.8 −20.4

Balance sheet

What it holds against what it owes, at each year end. Point at a year for the detail.
CashTotal debt
Fiscal year 2016Cash8.4Total debt142.1Net cash (debt)−133.7Shareholders’ equity156.7Debt to equity0.91Fiscal year 2017Cash90.7Total debt180.2Net cash (debt)−89.5Shareholders’ equity354.6Debt to equity0.51Fiscal year 2018Cash98.8Total debt75.9Net cash (debt)22.9Shareholders’ equity370.6Debt to equity0.20Fiscal year 2019Cash56.9Total debt183.2Net cash (debt)−126.3Shareholders’ equity396.3Debt to equity0.46Fiscal year 2020Cash226.0Total debt242.6Net cash (debt)−16.6Shareholders’ equity407.1Debt to equity0.60Fiscal year 2021Cash250.4Total debt83.7Net cash (debt)166.7Shareholders’ equity424.1Debt to equity0.20Fiscal year 2022Cash92.3Total debt62.9Net cash (debt)29.4Shareholders’ equity393.5Debt to equity0.16Fiscal year 2023Cash94.8Total debt60.7Net cash (debt)34.1Shareholders’ equity432.1Debt to equity0.14Fiscal year 2024Cash72.2Total debt40.9Net cash (debt)31.3Shareholders’ equity458.4Debt to equity0.09Fiscal year 2025Cash80.8Total debt134.8Net cash (debt)−54.0Shareholders’ equity532.5Debt to equity0.25
FY2016FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Cash 8.4 90.7 98.8 56.9 226.0 250.4 92.3 94.8 72.2 80.8
Total debt 142.1 180.2 75.9 183.2 242.6 83.7 62.9 60.7 40.9 134.8
Net cash (debt) −133.7 −89.5 22.9 −126.3 −16.6 166.7 29.4 34.1 31.3 −54.0
Shareholders’ equity 156.7 354.6 370.6 396.3 407.1 424.1 393.5 432.1 458.4 532.5
Debt to equity 0.91 0.51 0.20 0.46 0.60 0.20 0.16 0.14 0.09 0.25

In millions of USD, except per-share figures and ratios. Fiscal years, as last filed with the SEC.

Financial statements FY2025 · 10-K

Ratios

Percentages worked out from the filed figures; debt to equity in times. Fiscal years ending December, each column as last filed with the SEC.
Click a line to chart it
Fiscal year FY2016 31 Dec 2016 FY2017 31 Dec 2017 FY2018 31 Dec 2018 FY2019 31 Dec 2019 FY2020 31 Dec 2020 FY2021 31 Dec 2021 FY2022 31 Dec 2022 FY2023 31 Dec 2023 FY2024 31 Dec 2024 FY2025 31 Dec 2025
Margins
n/a n/a 188.2% 120.9% 168.6% 171.3% 186.8% n/a n/a n/a
n/a n/a 153.0% 101.9% 134.6% 138.4% 148.3% n/a n/a n/a
n/a n/a 153.0% 94.1% 56.3% 202.4% 181.8% n/a n/a n/a
Spending
n/a n/a 22.3% 41.4% 27.4% 6.0% 8.6% n/a n/a n/a
28.2% 39.0% 18.7% 15.7% 20.2% 19.2% 20.6% 21.5% 17.2% 19.6%
Returns
9.5% 7.3% 8.9% 5.7% 8.2% 9.3% 11.1% 10.4% 9.5% 6.9%
0.9% 0.7% 0.9% 0.6% 0.9% 1.1% 1.1% 1.1% 1.1% 0.8%
Balance and payout
0.91 0.51 0.20 0.46 0.60 0.20 0.16 0.14 0.09 0.25
91.1% 90.1% 89.7% 89.2% 89.1% 88.6% 89.9% 89.1% 88.8% 88.6%
44.0% 44.3% 37.0% 59.1% 40.4% 35.8% 35.2% 36.9% 40.9% 55.3%
56.6% 31.7% 38.0% 65.1% 198.5% 24.5% 28.7% 40.5% 39.6% 46.9%