Bar Harbor Bankshares Inc (BHB) Financials

$39.81

$5.14 (14.83%)

As on 02-Sep-2026 16:00EDT

Market cap

$660 Mln

Revenue (TTM)

$228 Mln

P/E Ratio

13.3

P/B Ratio

1.2

Div. Yield

3.3 %

Annual
Quarterly

Income Statement ($ Mln)	TTM	Dec-25	Dec-24	Dec-23	Dec-22	Dec-21	Dec-20	Dec-19	Dec-18	Dec-17	Dec-16
Operating Revenue	228.46	243.34	224.44	150.41	161.17	153.07
Cost of Revenue	79.23	79.33	75.07	59.33	17.51	14.11
Gross Profit	149.24	164.01	149.38	150.41	143.67	138.96
Operating Expenses	97.10	117.66	96.76	75.75	88.82	90.33
Operating Profit (EBIT)	52.14	46.35	52.61	74.66	54.85	48.63
Other Income	--	--	--	--	--	--
Profit before Tax	62.14	45.94	52.61	57.12	54.85	48.63
Provision for Tax	12.76	9.02	9.07	12.27	11.29	9.33
Profit after Tax (Net Income)	49.37	36.92	43.54	44.85	43.56	39.30
Minority Interest	--	--	--	--	--	--
Consolidated Profit	20.62	36.92	43.54	44.85	43.56	39.30

Liabilities ($ Mln)	TTM	Dec-25	Dec-24	Dec-23	Dec-22	Dec-21	Dec-20	Dec-19	Dec-18	Dec-17	Dec-16
Shareholder's Funds	549.55	532.54	458.43	432.06	393.45	424.15
Minority Interest	--	--	--	--	--	--
Non-Current Liabilities	111.46	195.27	107.50	156.90	141.55	178.52
Current Liabilities	4,081.49	3,956.08	3,517.40	3,381.92	3,374.80	94.80
Total Liabilities	8,823.99	4,683.89	4,083.33	3,970.89	3,909.80	3,709.23

Assets ($ Mln)	TTM	Dec-25	Dec-24	Dec-23	Dec-22	Dec-21	Dec-20	Dec-19	Dec-18	Dec-17	Dec-16
Non-Current Assets	247.09	4,005.63	3,490.72	3,341.47	3,257.99	793.87
Current Assets	648.04	678.26	592.61	629.42	651.81	868.67
Total Assets	5,390.54	4,683.89	4,083.33	3,970.89	3,909.80	3,709.23
Total Debt*	281.16	269.64	290.60	301.51	394.25	273.33
Net Current Assets	--	--	--	--	--	--

Cashflow ($ Mln)	TTM	Dec-25	Dec-24	Dec-23	Dec-22	Dec-21	Dec-20	Dec-19	Dec-18	Dec-17	Dec-16
Cash From Operating Activities	--	48.28	52.37	47.40	57.60	60.48
Cash Flow from Investing Activities	--	88.71	-141.89	-62.29	-410.58	-6.06
Cash from Financing Activities	--	-128.31	66.83	17.43	194.89	-30.03
Net Cash Inflow / Outflow	--	--	--	--	-158.09	24.38

Financials Ratios	TTM	Dec-25	Dec-24	Dec-23	Dec-22	Dec-21	Dec-20	Dec-19	Dec-18	Dec-17	Dec-16
Adjusted EPS ($)	2.96	2.20	2.84	2.95	2.88	2.61
Cash EPS ($)	--	2.57	3.06	3.28	2.94	2.67
Adjusted Book Value ($)	--	31.78	29.87	28.39	25.98	28.14
Dividend per Share ($)	--	--	--	--	--	--
Cash Flow per Share ($)	--	2.88	3.41	3.11	3.80	4.01
Free Cash Flow per Share ($)	--	2.59	2.93	2.69	3.64	3.90

Profitability Ratios	TTM	Dec-25	Dec-24	Dec-23	Dec-22	Dec-21	Dec-20	Dec-19	Dec-18	Dec-17	Dec-16
ROCE (%)	--	4.76	5.87	5.90	5.87	5.44
ROE (%)	9.13	7.45	9.78	10.87	10.65	9.41
ROA (%)	0.98	0.84	1.08	1.14	1.14	1.06
EBIT Margin (%)	14.41	19.05	23.44	37.97	34.03	31.77
Net Margin (%)	21.61	15.17	19.40	29.82	27.02	25.67
Cash Profit Margin (%)	0.00	--	--	--	--	--

Growth Ratios	TTM	Dec-25	Dec-24	Dec-23	Dec-22	Dec-21	Dec-20	Dec-19	Dec-18	Dec-17	Dec-16
Revenue Growth (%)	2.41	0.08	0.49	-0.07	0.05	-0.09
EBIT Growth (%)	-30.45	-11.90	-7.88	4.14	12.78	16.75
Net Profit Growth (%)	25.01	-15.21	-2.92	2.97	10.83	18.21
EPS Growth (%)	14.96	-0.22	-0.04	0.02	0.10	0.17
Book Value Growth (%)	7.20	--	--	--	--	--

Valuation Ratios	TTM	Dec-25	Dec-24	Dec-23	Dec-22	Dec-21	Dec-20	Dec-19	Dec-18	Dec-17	Dec-16
Price / Earnings	13.35	14.09	10.78	9.96	11.14	11.10
Price / Book Value	1.20	0.98	1.02	1.03	1.23	1.03
Dividend Yield (%)	3.32	--	--	--	--	--
EV/EBITDA	--	2.15	2.99	1.88	3.72	-2.88
Close Price ($)	--	31.05	30.58	29.36	32.04	28.93
High Price ($)	--	35.00	38.47	32.42	33.11	32.94
Low Price ($)	--	26.43	23.26	19.55	24.00	21.26
Market Cap ($ Cr)	660.25	--	--	--	--	--

Solvency Ratios	TTM	Dec-25	Dec-24	Dec-23	Dec-22	Dec-21	Dec-20	Dec-19	Dec-18	Dec-17	Dec-16
Debt to Equity	0.25	0.51	0.63	0.70	1.00	0.64
Short term debt to equity ratio	0.41	0.25	0.54	0.56	0.84	0.22
Current Ratio	0.16	0.17	0.17	0.19	0.19	9.16
Quick Ratio	0.16	--	--	--	--	--
Interest Coverage	1.84	0.62	0.70	1.01	4.27	3.19

Operating Efficiency Ratios	TTM	Dec-25	Dec-24	Dec-23	Dec-22	Dec-21	Dec-20	Dec-19	Dec-18	Dec-17	Dec-16
Debtors to sales (%)	7.03	6.18	--	--	0.75	0.77
Asset Turnover	0.05	0.06	0.06	0.04	0.04	0.04
Receivable days	--	22.59	--	2.94	2.71	2.75
Inventory Days	--	--	--	--	--	--
Payable days	--	--	--	18,736.11	63,548.69	77,093.99
Cash Conversion Cycle	--	--	--	--	--	--

*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.