Bar Harbor Bankshares
BHB NYSE· State Commercial Banks
Last close · Oct 26, 2026
$40.62
KIRA · Stoqly’s AI analyst, in plain words
- Bar Harbor Bankshares had $169M of revenue in fiscal 2025, up 12.1% on the year before. Over five years, revenue changed +46.9% a year on average.
- Bar Harbor Bankshares made $36.9M of net profit in fiscal 2025. From fiscal 2016 to 2025, diluted EPS grew 4.0% a year.
- Bar Harbor Bankshares returned $20.4M to shareholders in fiscal 2025, 47% of free cash flow. The diluted share count rose 4.2%.
- It earned 7.5% on shareholders’ money. Running costs took 69.7% of revenue (the efficiency ratio; lower is better).
Market cap
$683M
P/E
13.7x
Revenue
$169M
Net income
$36.9M
Return on equity
7.5%
Efficiency ratio
69.7%
Bar Harbor Bankshares in 30 seconds · fiscal 2025
Are sales growing?
+12.1%
Yes. Sales grew 12.1% last year.
Does it make a profit?
21.9%
Yes. It keeps 21.9% of every sale as profit.
How lean are its costs?
69.7%
Costly. Running costs take 69.7% of revenue.
How much does it earn on its capital?
7.5%
Low. It earns 7.5% a year on shareholders’ money.
How is the share priced?
13.7x
One share costs 13.7 times its yearly profit per share.
What Bar Harbor Bankshares does
No business description yet.
- Fiscal year ends
- December 31, 2025
- Latest annual report
- 10-K · Mar 13, 2026
- Legal name
- BAR HARBOR BANKSHARES
- CIK
- 0000743367
Bar Harbor Bankshares · BHB
Results and finances
The last 5 fiscal years. Amounts in USD.
| Fiscal year | FY21 | FY22 | FY23 | FY24 | FY25 |
|---|---|---|---|---|---|
| Sales and profit | |||||
| Revenue | $28.4M | $29.4M | $153M | $151M | $169M |
| Revenue growth | 14.9% | 3.4% | 420.2% | −1.3% | 12.1% |
| Net interest income | $95.6M | $114M | $118M | $114M | $134M |
| Net income | $39.3M | $43.6M | $44.9M | $43.5M | $36.9M |
| Net margin | 138.4% | 148.3% | 29.4% | 28.9% | 21.9% |
| Diluted EPS | $2.61 | $2.88 | $2.95 | $2.84 | $2.31 |
| Cash | |||||
| Cash from operations | $59.2M | $55.9M | $47.4M | $52.4M | $48.3M |
| Capital expenditure | $1.7M | $2.5M | $6.5M | $7.4M | $4.8M |
| Free cash flow | $57.5M | $53.4M | $40.9M | $45.0M | $43.5M |
| FCF margin | 202.4% | 181.8% | 26.8% | 29.8% | 25.7% |
| Dividends paid | $14.1M | $15.3M | $16.6M | $17.8M | $20.4M |
| Share count change | −1.5% | 0.4% | 0.6% | 0.8% | 4.2% |
| Debt and strength | |||||
| Cash and short-term investments | $250M | $92.3M | $94.8M | $72.2M | $80.8M |
| Debt incl. finance leases | $179M | $394M | $332M | $291M | $270M |
| Loans, net | $2.5B | $2.9B | $3.0B | $3.1B | $3.6B |
| Deposits | $3.0B | $3.0B | $3.1B | $3.3B | $3.8B |
| Shareholders' equity | $424M | $393M | $432M | $458M | $533M |
| Returns and quality | |||||
| Return on equity | 9.5% | 10.7% | 10.9% | 9.8% | 7.5% |
| Return on tangible equity | 13.2% | 16.2% | 14.6% | 13.0% | 9.9% |
| Efficiency ratio | 318.8% | 308.5% | 60.7% | 63.7% | 69.7% |
| Piotroski F-score | 7 | 4 | 6 | 4 | 4 |
Insiders bought, 12 months
$0.1M
2 insiders
Insiders sold, 12 months
$0.0M
0 insiders
Of sales under plans
—
$0.0M
How to read these numbers
- Revenue:
- Total sales reported in the income statement.
- Net income:
- Profit after all expenses, interest and tax.
- Efficiency ratio:
- Noninterest expense as a share of revenue. Lower is better for banks.
- Return on equity:
- Net income as a share of average shareholders' equity.
- Return on tangible equity:
- Net income to common over equity minus goodwill and intangibles.
- Diluted EPS:
- Net income per diluted share.
Bar Harbor Bankshares · BHB
Charts and comparison
Ten years at a glance, and how it stacks up against similar companies.
Revenue
Net income
Return on equity and efficiency ratio
Loans and deposits
Dividends and buybacks
Diluted EPS
KIRA
At $40.62 a share, the company is worth $683M: 13.7 times its earnings of the last four quarters.
Source: SEC EDGAR XBRL filings (CIK 0000743367). Data updated October 24, 2026. For information only — not investment advice. Check the original filings before relying on any figure.