BHB
Company Description
Bar Harbor Bankshares acts as the parent organization for Bar Harbor Bank & Trust, which delivers a full spectrum of banking services covering commercial, retail, lending, and wealth management. The bank offers a variety of deposit products, including both interest-bearing and non-interest-bearing checking accounts, savings accounts, money market accounts, time deposits, and certificates of deposit (CDs). Its lending activities cover multiple areas: commercial real estate, providing financing for multi-family dwellings, construction projects, land development, and other business properties; commercial and industrial loans extended to agricultural and various commercial entities, including those with tax-exempt status; residential real estate loans, primarily in the form of mortgages for 1-4 unit homes; and consumer loans, which include home equity loans and lines of credit, auto loans, and other installment financing. Beyond core banking, Bar Harbor Bank & Trust supplies life insurance, annuity, and retirement planning products, alongside general financial planning advice. It also assists clients with third-party investment and insurance solutions. Furthermore, the institution's wealth management division offers trust and estate administration, extensive wealth advisory, and investment management services designed for individuals, businesses, non-profit organizations, and local municipalities. These specialized services encompass 401K plan administration, detailed financial, estate, and charitable planning, family office support, municipal advisory, and tax services. The bank operates through a network of 53 branches situated across Maine, New Hampshire, and Vermont. Founded in 1887, its main office is located in Bar Harbor, Maine.
Track Record
| Metric | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 243.34M | 224.44M | 150.41M | 161.17M | 153.06M | 169.06M | 164.46M | 155.39M | 142.05M | 69.84M | 64.20M | 61.05M |
| Net Income | 36.92M | 43.54M | 44.85M | 43.56M | 39.30M | 33.24M | 22.62M | 32.94M | 25.99M | 14.93M | 15.15M | 14.61M |
| EPS | 2.32 | 2.86 | 2.96 | 2.90 | 2.63 | 2.18 | 1.46 | 2.13 | 1.71 | 1.65 | 1.69 | 1.65 |
| Free Cash Flow | 43.47M | 44.98M | 40.87M | 53.39M | 57.45M | 31.40M | 20.89M | 32.93M | 36.98M | 12.49M | 18.46M | 13.53M |
| FCF / Share | 2.60 | 2.95 | 2.70 | 3.55 | 3.84 | 2.06 | 1.34 | 2.13 | 2.44 | 1.38 | 2.06 | 1.52 |
| Operating CF | 48.28M | 52.37M | 47.40M | 55.91M | 59.17M | 38.17M | 30.07M | 37.72M | 40.13M | 16.79M | 20.33M | 15.53M |
| Total Assets | 4.68B | 4.08B | 3.97B | 3.91B | 3.71B | 3.73B | 3.67B | 3.61B | 3.57B | 1.76B | 1.58B | 1.46B |
| Total Debt | 269.64M | 290.60M | 301.50M | 394.25M | 178.52M | 336.02M | 531.32M | 723.80M | 829.72M | 931.08M | 474.79M | 447.02M |
| Cash & Equiv | 80.84M | 72.16M | 94.84M | 92.30M | 250.39M | 226.01M | 56.91M | 98.75M | 90.69M | 8.44M | 9.72M | 9.80M |
| Book Value | 532.54M | 458.43M | 432.06M | 393.45M | 424.15M | 411.34M | 396.41M | 370.58M | 354.64M | 156.74M | 154.15M | 146.29M |
| Return on Equity | 0.07 | 0.09 | 0.10 | 0.11 | 0.09 | 0.08 | 0.06 | 0.09 | 0.07 | 0.10 | 0.10 | 0.10 |
| Metric | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 55.25M | 67.70M | 66.49M | 53.33M | 55.82M | 55.70M | 58.23M | 56.30M | 54.40M | 54.66M | 53.74M | 51.86M |
| Net Income | 13.54M | 11.76M | 8.86M | 6.09M | 10.21M | 11.00M | 12.19M | 10.26M | 10.10M | 9.95M | 11.10M | 10.79M |
| EPS | 0.81 | 0.70 | 0.55 | 0.40 | 0.67 | 0.72 | 0.80 | 0.67 | 0.66 | 0.66 | 0.73 | 0.71 |
| Free Cash Flow | 3.00M | 12.08M | 15.43M | 3.28M | 7.78M | 12.41M | 22.44M | 2.28M | 7.84M | 13.29M | 17.25M | (6.01M) |
| FCF / Share | 0.18 | 0.72 | 0.95 | 0.21 | 0.51 | 0.81 | 1.47 | 0.15 | 0.52 | 0.88 | 1.14 | -0.40 |
| Operating CF | 5.02M | 17.16M | 16.53M | 5.27M | 9.32M | 13.26M | 23.50M | 7.10M | 8.52M | 16.18M | 18.71M | (4.97M) |
| Total Assets | 4.68B | 4.68B | 4.72B | 4.11B | 4.06B | 4.08B | 4.03B | 4.03B | 3.96B | 3.97B | 3.98B | 4.03B |
| Total Debt | 215.72M | 269.64M | 192.19M | 297.06M | 240.60M | 290.60M | 201.79M | 324.89M | 264.94M | 301.50M | 367.49M | 459.34M |
| Cash & Equiv | 82.22M | 80.84M | 136.71M | 87.03M | 88.13M | 72.16M | 81.22M | 101.84M | 76.22M | 94.84M | 122.82M | 123.78M |
| Book Value | 537.94M | 532.54M | 520.96M | 468.86M | 467.31M | 458.43M | 459.92M | 438.91M | 435.71M | 432.06M | 404.21M | 410.72M |
| Return on Equity | 0.03 | 0.02 | 0.02 | 0.01 | 0.02 | 0.02 | 0.03 | 0.02 | 0.02 | 0.02 | 0.03 | 0.03 |