Bar Harbor Bankshares logo BHB - Bar Harbor Bankshares

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| PRICE TARGET: $38.00 DETAILS
HIGH: $38.00
LOW: $38.00
MEDIAN: $38.00
CONSENSUS: $38.00
UPSIDE: 9.60%
Metric 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 2002 2001 2000 1999 1998 1997 1996 1995
Revenue
Revenue 243.3 224.4 150.4 161.2 153.1 169.1 164.5 155.4 142.1 69.8 64.2 61.0 57.9 58.2 57.4 59.5 60.4 60.0 57.7 53.0 43.6 38.5 37.6 38.7 41.4 42.4 37.8 34.9 33.5 32.5 11.6
Cost of Revenue 79.3 75.1 0 17.5 14.1 32.6 47.9 39.3 26.7 13.1 12.2 11.7 13.1 15.5 18.9 21.8 24.3 28.4 29.4 24.6 15.3 11.7 11.6 13.9 17.8 18.6 14.3 12.3 12.3 12 11.6
Gross Profit 164.0 149.4 150.4 143.7 139.0 136.5 116.6 116.0 115.3 56.7 52.0 49.3 44.9 42.7 38.5 37.7 36.1 31.6 28.4 28.4 28.3 26.8 26.0 24.8 23.7 23.8 23.5 22.6 21.2 20.5 0.0
Operating Expenses
R&D Expenses 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
SG&A Expenses 74.3 58.7 56.0 51.2 48.7 50.3 49.5 45.9 44.8 21.1 18.6 17.5 15.9 14.9 13.9 13.6 13.3 10.8 9.4 9.3 9.8 9.3 9.5 9.2 8.5 7.9 6.8 6 6 5.7 5.3
Other Expenses 43.3 38.1 19.8 37.6 41.7 44.5 40.2 29.6 27.9 14.8 12.3 11.2 10.6 10.4 9.1 9.4 8.4 9.7 8.8 9.4 9.5 9.6 9.4 9.0 10.0 8.7 7.5 6.9 5.8 5.2 (13.8)
Operating Expenses 117.7 96.8 75.8 88.8 90.3 94.8 89.7 75.5 72.7 35.9 30.9 28.8 26.5 25.3 23.0 22.9 21.8 20.5 18.2 18.7 19.3 18.9 18.9 18.2 18.5 16.6 14.3 12.9 11.8 10.9 (8.4)
Operating Income
Operating Income 46.4 52.6 74.7 54.8 48.6 41.7 26.8 40.5 42.6 20.8 21.1 20.5 18.4 17.4 15.5 14.8 14.3 11.1 10.2 9.8 9.0 7.9 7.1 6.6 5.2 7.2 9.2 9.7 9.4 9.6 8.5
Interest Expense 75.0 74.9 56.5 12.8 15.2 26.9 45.6 36.6 23.9 12.1 10.4 9.9 11.7 13.9 16.5 19.4 21.1 26.4 28.9 24.4 15.3 11.5 11.1 12.8 15.8 17.6 13.8 12 11.7 11.3 10.6
Interest Income 209.5 188.7 174.2 126.5 110.8 126.1 135.4 127.5 116.1 57.5 55.2 53.4 50.7 50.8 50.9 51.1 54.4 53.6 51.8 46.1 37.2 31.9 30.5 32.4 33.4 35.3 32.0 29.2 28.5 27.5 26.2
Profitability
EBITDA 52.0 56.0 0 61.3 55.2 47.4 31.8 45.0 47.0 22.5 22.9 22.2 20.0 18.7 16.7 17.1 15.3 11.4 11.5 11.4 11.3 10.7 8.5 7.7 6.6 8.5 10.2 10.9 10.4 10.7 9.1
EBIT 46.4 52.6 (6.3) 54.8 48.6 41.7 26.8 40.5 42.6 20.8 21.1 20.5 18.4 17.4 15.5 14.8 14.3 11.1 10.2 9.8 9.0 7.9 7.1 6.6 5.2 7.2 9.2 9.7 9.4 9.6 8.5
Income Before Tax 45.9 52.6 57.1 54.8 48.6 41.7 26.8 40.5 42.6 20.8 21.1 20.5 18.4 17.4 15.5 14.8 14.3 11.1 10.2 9.8 9.0 7.9 7.1 6.6 5.2 7.2 9.2 9.7 9.4 9.6 8.5
Income Tax Expense 9.0 9.1 12.3 11.3 9.3 8.4 4.2 7.6 16.6 5.9 6.0 5.9 5.2 4.9 4.5 4.1 4.0 3.4 3.0 2.9 2.6 2.1 1.9 1.7 1.7 2.4 3.0 3.1 3 2.9 2.6
Net Income 36.9 43.5 44.9 43.6 39.3 33.2 22.6 32.9 26.0 14.9 15.2 14.6 13.2 12.5 11.0 10.7 10.3 7.7 7.2 6.9 6.4 5.7 5.2 4.6 3.5 4.8 6.2 6.6 6.4 6.7 5.9
Per Share Data
EPS (Basic) 2.32 2.86 2.96 2.90 2.63 2.18 1.46 2.13 1.71 1.65 1.69 1.65 1.49 1.42 1.27 1.18 1.42 1.17 1.05 1.00 0.93 0.82 0.74 0.63 0.48 0.64 0.80 0.85 0.42 0.43 0.76
EPS (Diluted) 2.30 2.84 2.95 2.88 2.61 2.18 1.45 2.12 1.70 1.63 1.67 1.63 1.48 1.41 1.27 1.16 1.39 1.14 1.02 0.98 0.90 0.80 0.72 0.62 0.47 0.64 0.80 0.85 0.42 0.43 0.76
Shares Outstanding 16.7 15.2 15.1 15.0 15.0 15.2 15.5 15.5 15.2 9.1 9.0 8.9 8.8 8.8 8.7 8.5 6.6 6.6 6.8 6.9 6.9 7.0 7.0 7.2 7.4 7.6 7.7 7.7 7.7 8.2 7.7
Metric 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2009 2008 2004 2003 2002 2001 2000 1999 1998 1997 1996 1995
Current Assets
Cash & Cash Equivalents 80.8 72.2 94.8 92.3 250.4 226.0 56.9 98.8 90.7 8.4 9.8 9.0 9.6 14.2 11.5 17.4 10.6 12.9 11.5 7.5 13.3 12.6
Short-Term Investments 597.4 520.5 534.6 559.5 618.3 585.0 663.2 725.8 717.2 528.9 0 0 0 0 0 0 0 0 0 0 0 0
Net Receivables 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Inventory 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Other Current Assets 0 0 0 0 0 0 0 0 0 0 1,059.4 960.1 654.1 569.2 0 0 0 0 0 0 0 0
Total Current Assets 678.3 592.6 629.4 651.8 868.7 811.1 720.1 824.6 807.9 537.3 1,069.2 969.1 663.7 583.4 11.5 17.4 10.6 12.9 11.5 7.5 13.3 12.6
Non-Current Assets
Property, Plant & Equipment 58.2 51.2 48.3 47.6 49.4 52.5 51.2 48.8 47.7 23.4 11.9 10.9 11.9 11.4 11.3 13.0 12.0 8.4 8 7.7 7.5 6.2
Goodwill 141.8 119.5 119.5 119.5 119.5 119.5 118.6 100.1 100.1 4.9 3.2 3.2 3.2 0.3 0 0 0 0 0 0 0 0
Intangible Assets 16.4 3.9 4.9 5.8 6.7 7.7 8.6 7.5 8.4 0.4 0 0 0 0 0 0 0 0 0 0 0 0
Long-Term Investments 3,577.1 3,119.6 2,973.1 2,876.8 2,514.7 585.0 2,625.7 2,476.4 2,473.3 1,118.6 347.0 290.5 176.3 159.3 508.9 142.1 162.2 423.5 137.1 106 107.7 102.1
Other Non-Current Assets 182.2 173.1 172.8 183.8 144.7 (1.7) 140.9 141.7 120.6 64.7 (359.0) (301.4) (188.3) (170.7) 21.7 (142.1) (174.2) 12.0 (145.1) (113.7) (115.2) (108.3)
Total Non-Current Assets 4,005.6 3,490.7 3,341.5 3,258.0 2,840.6 764.7 2,949.0 2,783.9 2,757.3 1,218.1 3.2 3.2 3.2 0.3 542.3 13.0 174.2 444.0 145.1 113.7 115.2 108.3
Total Assets 4,683.9 4,083.3 3,970.9 3,909.8 3,709.2 3,725.8 3,669.1 3,608.5 3,565.2 1,755.3 1,072.4 972.3 666.8 583.7 553.8 487.2 466.2 456.8 392 342.7 345.1 326.6
Current Liabilities
Account Payables 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Short-Term Debt 134.8 249.7 240.8 331.4 94.8 93.5 348.1 0 0 394.5 91.9 121.7 89.9 0 13.9 0 12.2 121.8 28.3 39.2 43.9 0
Deferred Revenue 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Other Current Liabilities 3,821.3 3,267.7 3,141.2 3,043.4 3,048.5 0 2,695.8 2,483.2 2,352.1 1,050.3 (91.9) (121.7) (89.9) 0 322.0 0 (12.2) 281.7 (28.3) (39.2) (43.9) 0
Total Current Liabilities 3,956.1 3,517.4 3,381.9 3,374.8 3,143.3 93.5 3,043.9 2,483.2 2,352.1 1,444.8 953.9 901.8 89.9 0 336.0 0 12.2 403.6 28.3 39.2 43.9 0
Non-Current Liabilities
Long-Term Debt 134.8 40.9 60.7 62.9 83.7 242.6 183.2 723.8 829.7 536.6 219.7 202.2 117.1 170.5 156.6 120.9 107.0 0 37.9 0 0 32.7
Deferred Tax Liabilities 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Other Non-Current Liabilities 60.4 66.6 96.2 78.7 58.0 0 45.7 30.9 28.7 (382.8) (219.7) (202.2) (117.1) (170.5) 7.5 (120.9) (107.0) 4.1 (37.9) 0 0 (32.7)
Total Non-Current Liabilities 195.3 107.5 156.9 141.6 141.7 242.6 228.9 754.7 858.5 153.8 5 5 117.1 170.5 164.0 120.9 107.0 4.1 37.9 0 0 32.7
Total Liabilities 4,151.4 3,624.9 3,538.8 3,516.4 3,285.1 3,314.4 3,272.7 3,237.9 3,210.5 1,598.6 958.9 906.8 610.8 530.6 500.0 434.7 415.7 407.7 345.1 300.2 307.2 293.4
Stockholders' Equity
Common Stock 35.5 32.9 32.9 32.9 32.9 32.9 32.9 32.9 32.9 13.6 8.9 7.3 7.3 7.3 7.3 7.3 7.3 7.3 0 0 0 3.6
Retained Earnings 314.4 297.9 272.1 243.8 215.6 195.6 175.8 166.5 145.0 130.5 75.0 67.9 51.7 48.7 46.0 43.9 42.9 40.6 36.9 32.6 28.2 23.5
Accumulated Other Comprehensive Income (35.4) (51.5) (49.9) (58.3) 2.3 11.0 3.9 (11.8) (4.6) (4.3) 0.6 (0.5) 1.1 0.5 2.3 1.7 (0.1) (1.0) 0.1 0 (0.1) 0.1
Total Stockholders' Equity 532.5 458.4 432.1 393.4 424.1 411.3 396.4 370.6 354.6 156.7 113.5 65.4 56.0 53.1 53.8 52.5 50.5 49.1 46.9 42.5 37.9 33.2
Total Liabilities & Equity 4,683.9 4,083.3 3,970.9 3,909.8 3,709.2 3,725.8 3,669.1 3,608.5 3,565.2 1,755.3 1,072.4 972.3 666.8 583.7 553.8 487.2 466.2 456.8 392 342.7 345.1 326.6
Debt Metrics
Total Debt 269.6 290.6 301.5 394.2 178.5 336.0 531.3 723.8 829.7 931.1 311.6 323.9 206.9 170.5 170.5 120.9 119.2 121.8 66.2 39.2 43.9 32.7
Net Debt 188.8 218.4 206.7 302.0 (71.9) 110.0 474.4 625.0 739.0 922.6 301.8 314.9 197.4 156.3 159.0 103.5 108.6 109.0 54.7 31.7 30.6 20.1
Metric 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2005 2004 2003 2002 2001 2000 1999 1998 1997 1996 1995
Operating Activities
Net Income 36.9 43.5 44.9 43.6 39.3 33.2 22.6 32.9 26.0 14.9 6.4 5.7 5.2 4.6 3.5 4.8 6.2 6.6 6.4 6.7 5.9
Depreciation & Amortization 1.1 3.4 6.3 6.4 6.6 5.8 5.0 4.5 4.4 1.6 2.3 2.9 1.4 1.1 1.4 1.3 1.0 1.2 1 0 0.6
Stock-Based Compensation 3.1 3.3 2.6 1.9 2.1 1.6 1.4 1.3 1.3 1.3 0 0 0 0 0 0 0 0 0 0 0
Change in Working Capital 1.8 1.2 (8.5) 1.0 14.5 (2.7) 6.6 (3.0) (0.7) (0.7) (0.8) 0.4 1.0 0.1 0.5 (0.5) (2.1) (0.9) 1.1 (0.2) 0
Other Non-Cash Items 5.4 1.2 2.8 3.7 (3.8) 0.3 (6.6) 2.3 2.3 (0.8) (0.6) (0.5) (1.0) 1.0 2.0 1.0 1.6 (0.6) 0.6 1.6 1.4
Operating Cash Flow 48.3 52.4 47.4 55.9 59.2 38.2 30.1 37.7 40.1 16.8 7.4 8.9 6.7 6.7 7.5 6.6 6.5 6.5 8.9 8.1 7.8
Investing Activities
Capital Expenditure (4.8) (7.4) (6.5) (2.5) (1.7) (6.8) (9.2) (4.8) (3.2) (4.3) (1.2) (1.3) (1.2) (0.3) (2.4) (5.0) (1.5) (1.2) (1.1) (2.5) 0
Acquisitions 0 0 0 0 0 (0.3) (18.4) 0 39.5 0 0 4.5 0 0 0 0 0 0 0 0 0
Purchases of Investments (91.0) (53.5) (7.5) (109.0) (249.6) (218.3) (129.2) (147.3) (172.1) (210.8) (61.0) (118.1) (122.8) (96.9) (38.3) (12.0) (66.1) (88.7) (33) (24.4) (35.1)
Sales/Maturities of Investments 143.4 64.4 42.2 80.9 204.3 305.0 207.6 124.7 123.2 176.0 49.1 99.2 122.1 71.3 53.4 19.7 34.8 57.4 36.9 18.3 0
Other Investing Activities 36.3 (145.4) (90.4) (378.2) 42.3 63.2 (129.5) (16.6) (146.5) (142.7) (66.6) (53.4) (32.1) (47.6) (28.7) (13.1) (32.4) (14.1) (5.2) (13.3) 6.0
Investing Cash Flow 88.7 (141.9) (62.3) (408.9) (4.8) 142.7 (78.7) (44.0) (159.0) (181.9) (79.7) (68.9) (34.0) (73.3) (15.9) (10.3) (65.2) (45.4) (2.4) (19.4) (29.0)
Financing Activities
Net Debt Issuance (129.4) (40.9) (62.9) 215.5 (157.7) (195.3) (191.4) (105.8) 60.0 61.8 32.8 20.5 13.9 34.4 4.7 9.5 47.6 30.6 (8.4) 13.7 (32.2)
Stock Repurchased 0 0 0 0 0 (14.2) (0.2) (0.3) (0.3) (0.5) 0 0 0 0 0 0 0 0 0 0 0
Dividends Paid (20.4) (17.8) (16.6) (15.3) (14.1) (13.4) (13.4) (12.2) (11.5) (6.6) (2.6) (2.5) (2.4) (2.4) (2.5) (2.6) (2.5) (2.3) (2.1) (2) (1.5)
Other Financing Activities 22.3 126.5 97.7 (5.1) 142.3 211.1 211.7 132.6 152.9 109.1 47.5 38.1 19.0 30.2 13.8 (3.6) 15.3 14.5 0.2 0.2 57.6
Financing Cash Flow (128.3) 66.8 17.4 194.9 (30.0) (11.8) 6.7 14.3 201.1 163.8 76.7 55.2 28.9 60.7 15.2 1.5 60.0 42.9 (10.3) 12 24.1
Cash Position
Net Change in Cash 8.7 (22.7) 2.5 (158.1) 24.4 169.1 (41.8) 8.1 82.2 (1.3) 4.4 (4.9) 1.6 (5.8) 6.8 (2.3) 1.3 4 (3.8) 0.7 2.8
Cash at Beginning 72.2 94.8 92.3 250.4 226.0 56.9 98.8 90.7 8.4 9.7 9.6 14.5 12.9 17.4 10.6 12.9 11.5 7.5 11.3 12.6 9.7
Cash at End 80.8 72.2 94.8 92.3 250.4 226.0 56.9 98.8 90.7 8.4 14 9.6 14.5 11.5 17.4 10.6 12.9 11.5 7.5 13.3 12.6
Free Cash Flow 43.5 45.0 40.9 53.4 57.5 31.4 20.9 32.9 37.0 12.5 6.1 7.6 5.5 6.4 5.0 1.6 5.0 5.3 7.8 5.6 7.8
Key Metrics 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 2002 2001 2000 1999 1998 1997 1996 1995
Income Statement
Revenue 243.3 224.4 150.4 161.2 153.1 169.1 164.5 155.4 142.1 69.8 64.2 61.0 57.9 58.2 57.4 59.5 60.4 60.0 57.7 53.0 43.6 38.5 37.6 38.7 41.4 42.4 37.8 34.9 33.5 32.5 11.6
Gross Profit 164.0 149.4 150.4 143.7 139.0 136.5 116.6 116.0 115.3 56.7 52.0 49.3 44.9 42.7 38.5 37.7 36.1 31.6 28.4 28.4 28.3 26.8 26.0 24.8 23.7 23.8 23.5 22.6 21.2 20.5 0.0
Operating Income 46.4 52.6 74.7 54.8 48.6 41.7 26.8 40.5 42.6 20.8 21.1 20.5 18.4 17.4 15.5 14.8 14.3 11.1 10.2 9.8 9.0 7.9 7.1 6.6 5.2 7.2 9.2 9.7 9.4 9.6 8.5
Net Income 36.9 43.5 44.9 43.6 39.3 33.2 22.6 32.9 26.0 14.9 15.2 14.6 13.2 12.5 11.0 10.7 10.3 7.7 7.2 6.9 6.4 5.7 5.2 4.6 3.5 4.8 6.2 6.6 6.4 6.7 5.9
EPS (Diluted) 2.30 2.84 2.95 2.88 2.61 2.18 1.45 2.12 1.70 1.63 1.67 1.63 1.48 1.41 1.27 1.16 1.39 1.14 1.02 0.98 0.90 0.80 0.72 0.62 0.47 0.64 0.80 0.85 0.42 0.43 0.76
Balance Sheet
Cash & Equivalents 80.8 72.2 94.8 92.3 250.4 226.0 56.9 98.8 90.7 8.4 9.8 9.0 9.6 14.2 11.5 17.4 10.6 12.9 11.5 7.5 13.3 12.6
Total Assets 4,683.9 4,083.3 3,970.9 3,909.8 3,709.2 3,725.8 3,669.1 3,608.5 3,565.2 1,755.3 1,072.4 972.3 666.8 583.7 553.8 487.2 466.2 456.8 392 342.7 345.1 326.6
Total Debt 269.6 290.6 301.5 394.2 178.5 336.0 531.3 723.8 829.7 931.1 311.6 323.9 206.9 170.5 170.5 120.9 119.2 121.8 66.2 39.2 43.9 32.7
Stockholders' Equity 532.5 458.4 432.1 393.4 424.1 411.3 396.4 370.6 354.6 156.7 113.5 65.4 56.0 53.1 53.8 52.5 50.5 49.1 46.9 42.5 37.9 33.2
Cash Flow
Operating Cash Flow 48.3 52.4 47.4 55.9 59.2 38.2 30.1 37.7 40.1 16.8 7.4 8.9 6.7 6.7 7.5 6.6 6.5 6.5 8.9 8.1 7.8
Capital Expenditure (4.8) (7.4) (6.5) (2.5) (1.7) (6.8) (9.2) (4.8) (3.2) (4.3) (1.2) (1.3) (1.2) (0.3) (2.4) (5.0) (1.5) (1.2) (1.1) (2.5) 0
Free Cash Flow 43.5 45.0 40.9 53.4 57.5 31.4 20.9 32.9 37.0 12.5 6.1 7.6 5.5 6.4 5.0 1.6 5.0 5.3 7.8 5.6 7.8