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BAR HARBOR BANKSHARES

BHB

$39.75 ▼ -0.44 (-1.09%) at close

17 Visible periods

36 Metrics

Peer-ranked Benchmarks

Price Chart

Health

Good

Bullish

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Analytical Summary

BAR HARBOR BANKSHARES shows strong fundamentals with top-quartile Profit Margin (%) and Operating Margin (%). The company's metrics support a bullish outlook for growth-oriented investors.

Market Cap $631.7M

Dividend Yield 3.17%

Revenue Growth 12.1% ↗

Op. Margin 27.2% ↘

ROIC None

FCF / Share None

Trailing P/E 17.1x

Price / Book 1.3x

FCF Yield —

Debt / Equity 0.51

info Valuation on last close. End-of-day price, Aug 7, 2026.

17-Year Financial Trajectory

Annual

Metric Value Trend Year over Year Percentile

Revenue Total top-line sales

$168.93M

↑ +12.1% —

Net Income Profit after all expenses

$36.92M

↓ -15.2% —

Operating Margin Operating profit as % of sales

27.2%

↓ -22.1% 84th

Long-Term Debt Long-term obligations

$134.84M

↑ +229.8% —

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Bullish Indicators

Operating Margin (%)Operating Margin (%) is in the top quartile
Profit Margin (%)Profit Margin (%) is in the top quartile

warning

Bearish Risks

No bearish risks detected.

Health Breakdown

Profitability ↓

Returns ↓

Financial Health ↑

Dividend History

Dividend / share · sourced from SEC filings

$1.26 Latest / share

+6.8% YoY

+6.9% 12-yr CAGR

$0.60

FY 2014

$0.67

FY 2015

$0.73

FY 2016

$0.75

FY 2017

$0.79

FY 2018

$0.86

FY 2019

$0.88

FY 2020

$0.94

FY 2021

$1.02

FY 2022

$1.10

FY 2023

$1.18

FY 2024

$1.26

FY 2025

Financial view

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📈 Is growth accelerating? 7 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Apr 22, 2014 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2010 10-K ↗	FY 2010 Dec 31, 2009 10-K ↗	FY 2009 Dec 31, 2008 10-K ↗
Revenue Growth YoY (%)	12.1% Good ↑ Good Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+101%)	-1.3% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-122%)	2.5% Caution ↓ Caution Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-58%)	8.1% Fair ↑ Fair Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+35%)	-3.0% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-150%)	19.6% Good ↓ Good Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+226%)	0.1% Caution ↓ Caution Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-99%)	0.6% Caution ↓ Caution Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-90%)	104.7% Excellent ↑ Excellent Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+1644%)	7.3% Fair ↓ Fair Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+21%)	4.3% Caution ↓ Caution Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-28%)	10.5% Good ↑ Good Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+76%)	13.3% Good ↑ Good Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+121%)	5.1% Fair Fair Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-14%)	-0.3% Weak Weak Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-106%)	—	—
EPS Growth YoY (%)	-18.9% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	-3.4% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	2.1% Caution ↓ Caution Declining Year-over-year change in earnings per share Optimal: > 10%	10.3% Fair ↓ Fair Declining Year-over-year change in earnings per share Optimal: > 10%	20.6% Good ↑ Good Improving Year-over-year change in earnings per share Optimal: > 10%	49.3% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	-31.5% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	24.6% Good ↑ Good Improving Year-over-year change in earnings per share Optimal: > 10%	3.6% Caution → Caution Stable Year-over-year change in earnings per share Optimal: > 10%	-2.2% Weak ↑ Weak Improving Year-over-year change in earnings per share Optimal: > 10%	2.4% Caution ↓ Caution Declining Year-over-year change in earnings per share Optimal: > 10%	10.3% Fair ↑ Fair Improving Year-over-year change in earnings per share Optimal: > 10%	-21.7% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	61.9% Excellent Excellent Year-over-year change in earnings per share Optimal: > 10%	-16.9% Weak Weak Year-over-year change in earnings per share Optimal: > 10%	—	—
Net Income Growth YoY (%)	-15.2% Weak ↓ Weak Declining Year-over-year change in net income	-2.9% Weak ↓ Weak Declining Year-over-year change in net income	3.0% Caution ↓ Caution Declining Year-over-year change in net income	10.8% Fair → Fair Stable Year-over-year change in net income	18.2% Good ↑ Good Improving Year-over-year change in net income	47.0% Excellent ↑ Excellent Improving Year-over-year change in net income	-31.3% Weak ↓ Weak Declining Year-over-year change in net income	26.7% Excellent ↑ Excellent Improving Year-over-year change in net income	74.1% Excellent ↑ Excellent Improving Year-over-year change in net income	-1.5% Weak ↓ Weak Declining Year-over-year change in net income	3.7% Caution ↓ Caution Declining Year-over-year change in net income	10.8% Fair ↑ Fair Improving Year-over-year change in net income	19.4% Good ↑ Good Improving Year-over-year change in net income	3.6% Caution Caution Year-over-year change in net income	3.0% Caution Caution Year-over-year change in net income	—	—
FCF Growth YoY (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Revenue CAGR 3Y (%)	4.3% Caution → Caution Stable Compound annual revenue growth over 3 years	3.0% Caution ↓ Caution Declining Compound annual revenue growth over 3 years	2.4% Caution ↓ Caution Declining Compound annual revenue growth over 3 years	7.8% Fair ↓ Fair Declining Compound annual revenue growth over 3 years	5.1% Fair ↓ Fair Declining Compound annual revenue growth over 3 years	6.4% Fair ↓ Fair Declining Compound annual revenue growth over 3 years	27.2% Excellent ↑ Excellent Improving Compound annual revenue growth over 3 years	30.2% Excellent ↑ Excellent Improving Compound annual revenue growth over 3 years	31.8% Excellent ↑ Excellent Improving Compound annual revenue growth over 3 years	7.4% Fair ↓ Fair Declining Compound annual revenue growth over 3 years	9.3% Fair ↑ Fair Improving Compound annual revenue growth over 3 years	9.6% Fair Fair Compound annual revenue growth over 3 years	5.9% Fair Fair Compound annual revenue growth over 3 years	—	—	—	—
Revenue CAGR 5Y (%)	3.5% Caution ↓ Caution Declining Compound annual revenue growth over 5 years	4.9% Fair ↓ Fair Declining Compound annual revenue growth over 5 years	5.2% Fair ↓ Fair Declining Compound annual revenue growth over 5 years	4.8% Fair ↓ Fair Declining Compound annual revenue growth over 5 years	19.0% Excellent ↓ Excellent Declining Compound annual revenue growth over 5 years	21.4% Excellent → Excellent Stable Compound annual revenue growth over 5 years	18.2% Excellent → Excellent Stable Compound annual revenue growth over 5 years	20.6% Excellent ↑ Excellent Improving Compound annual revenue growth over 5 years	23.5% Excellent ↑ Excellent Improving Compound annual revenue growth over 5 years	8.1% Good Good Compound annual revenue growth over 5 years	6.5% Fair Fair Compound annual revenue growth over 5 years	—	—	—	—	—	—
EPS CAGR 3Y (%)	-7.2% Weak ↓ Weak Declining Compound annual EPS growth over 3 years	2.8% Caution ↓ Caution Declining Compound annual EPS growth over 3 years	10.7% Good ↓ Good Declining Compound annual EPS growth over 3 years	25.7% Excellent ↑ Excellent Improving Compound annual EPS growth over 3 years	7.3% Fair ↑ Fair Improving Compound annual EPS growth over 3 years	8.4% Fair ↑ Fair Improving Compound annual EPS growth over 3 years	-4.0% Weak ↓ Weak Declining Compound annual EPS growth over 3 years	8.1% Fair ↑ Fair Improving Compound annual EPS growth over 3 years	1.3% Caution ↓ Caution Declining Compound annual EPS growth over 3 years	3.4% Caution ↑ Caution Improving Compound annual EPS growth over 3 years	-4.0% Weak ↓ Weak Declining Compound annual EPS growth over 3 years	11.8% Good Good Compound annual EPS growth over 3 years	1.7% Caution Caution Compound annual EPS growth over 3 years	—	—	—	—

💰 Are margins durable? 5 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Apr 22, 2014 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2010 10-K ↗	FY 2010 Dec 31, 2009 10-K ↗	FY 2009 Dec 31, 2008 10-K ↗
Operating Margin (%) (%)	27.2% Excellent ↓ Excellent Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+9%)	34.9% Excellent → Excellent Stable Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+40%)	37.4% Excellent ↑ Excellent Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+50%)	36.8% Excellent ↑ Excellent Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+47%)	35.3% Excellent Excellent Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+41%)	29.3% Excellent Excellent Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+17%)	—	—	—	—	—	—	—	—	—	—	—
Effective Tax Rate (%) (%)	19.6% Good → Good Stable Actual taxes paid relative to pre-tax income Optimal: 15-25%	17.2% Good ↓ Good Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	21.5% Fair ↑ Fair Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	20.6% Good → Good Stable Actual taxes paid relative to pre-tax income Optimal: 15-25%	19.2% Good Good Actual taxes paid relative to pre-tax income Optimal: 15-25%	20.2% Good Good Actual taxes paid relative to pre-tax income Optimal: 15-25%	—	—	—	—	—	—	—	—	—	—	—
Profit Margin (%) (%)	21.9% Excellent ↓ Excellent Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: At sector avg	28.9% Excellent → Excellent Stable Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+31%)	29.4% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+33%)	29.2% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+33%)	28.5% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+30%)	23.4% Excellent → Excellent Stable Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+6%)	19.0% Good ↓ Good Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-14%)	27.7% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+26%)	22.0% Excellent ↓ Excellent Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: At sector avg	25.9% Excellent ↓ Excellent Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+18%)	28.2% Excellent → Excellent Stable Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+28%)	28.3% Excellent → Excellent Stable Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+29%)	28.3% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+28%)	26.8% Excellent → Excellent Stable Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+22%)	27.2% Excellent Excellent Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+24%)	26.3% Excellent Excellent Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+20%)	—
FCF Margin (%) (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
FCF / Net Income (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

🎯 Is capital allocation efficient? 3 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Apr 22, 2014 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2010 10-K ↗	FY 2010 Dec 31, 2009 10-K ↗	FY 2009 Dec 31, 2008 10-K ↗
Return on Invested Capital (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Return on Capital (%) (%)	0.8% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	1.1% Weak → Weak Stable Operating profit relative to total assets Optimal: > 10%	1.1% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	1.1% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	1.1% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	0.9% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	0.6% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	0.9% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	0.7% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	0.9% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	1.0% Weak → Weak Stable Operating profit relative to total assets Optimal: > 10%	1.0% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	1.0% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	0.8% Weak Weak Operating profit relative to total assets Optimal: > 10%	1.0% Weak Weak Operating profit relative to total assets Optimal: > 10%	—	—
Return on Common Equity (%) (%)	6.9% Caution ↓ Caution Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-42%)	9.5% Caution ↓ Caution Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-21%)	10.4% Fair ↑ Fair Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-13%)	11.1% Fair ↑ Fair Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-8%)	9.3% Caution ↑ Caution Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-23%)	8.2% Caution ↑ Caution Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-32%)	5.7% Caution ↓ Caution Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-52%)	8.9% Caution → Caution Stable Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-26%)	7.3% Caution ↓ Caution Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-39%)	9.5% Caution ↓ Caution Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-21%)	9.8% Caution → Caution Stable Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-18%)	10.0% Caution → Caution Stable Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-17%)	10.9% Fair ↑ Fair Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-9%)	9.3% Caution → Caution Stable Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-22%)	10.3% Fair Fair Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-14%)	9.1% Caution Caution Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-24%)	—

⚖️ Is the balance sheet risky? 4 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Apr 22, 2014 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2010 10-K ↗	FY 2010 Dec 31, 2009 10-K ↗	FY 2009 Dec 31, 2008 10-K ↗
Debt to Equity (x)	0.51x Good ↓ Good Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-58%)	0.63x Fair ↓ Fair Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-47%)	0.77x Fair → Fair Stable Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-36%)	1.00x Caution ↑ Caution Improving Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-16%)	0.42x Good ↓ Good Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-65%)	0.83x Fair ↓ Fair Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-31%)	1.34x Caution ↓ Caution Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Above avg (+12%)	1.95x Weak ↓ Weak Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Above avg (+63%)	2.34x Weak ↓ Weak Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Above avg (+95%)	3.42x Weak ↑ Weak Improving Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Above avg (+185%)	2.17x Weak → Weak Stable Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Above avg (+81%)	2.14x Weak ↑ Weak Improving Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Above avg (+79%)	2.58x Weak ↑ Weak Improving Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Above avg (+115%)	1.89x Weak Weak Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Above avg (+58%)	1.16x Caution Caution Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: At sector avg	—	—
Interest Coverage (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Net Debt (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Debt / EBITDA (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

📊 What does each share earn? 8 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Apr 22, 2014 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2010 10-K ↗	FY 2010 Dec 31, 2009 10-K ↗	FY 2009 Dec 31, 2008 10-K ↗
Revenue per Share (USD)	$10.63	$9.89	$10.09	$9.91	$9.21	$9.32	$7.65	$7.67	$7.78	$6.37	$6.00	$5.80	$5.27	$7.11	$4.60	$5.99	—
Basic EPS, GAAP (USD)	$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	$1.91	$1.18	$1.42	—
Free Cash Flow per Share (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Dividend per Share (USD)	$1.26	$1.18	$1.10	$1.02	$0.94	$0.88	$0.86	$0.79	$0.75	$0.73	$0.67	$0.60	$0.56	$0.73	$0.46	$0.46	—
Book Value per Share (USD)	$31.88	$30.00	$28.48	$26.09	$28.27	$26.70	$25.51	$23.93	$23.36	$17.28	$17.18	$16.46	$20.52	$20.42	$12.17	$17.30	—
Tangible Book Value per Share (USD)	$22.41	$21.93	$20.28	$17.78	$19.86	$18.36	$17.32	$16.98	$16.21	$16.70	$16.63	$15.90	$19.68	$19.57	$11.80	$17.30	—
Basic Weighted Avg Shares (shares)	15.89M	15.24M	15.14M	15.04M	14.97M	15.25M	15.54M	15.49M	15.18M	9.07M	8.97M	8.89M	8.85M	5.79M	8.51M	6.56M	—
Dividend Payout Ratio (%)	54.3% Fair ↑ Fair Improving Dividends paid as a percentage of earnings Optimal: 30-60%	41.3% Good ↑ Good Improving Dividends paid as a percentage of earnings Optimal: 30-60%	37.2% Good → Good Stable Dividends paid as a percentage of earnings Optimal: 30-60%	35.2% Good ↓ Good Declining Dividends paid as a percentage of earnings Optimal: 30-60%	35.7% Good ↓ Good Declining Dividends paid as a percentage of earnings Optimal: 30-60%	40.4% Good ↓ Good Declining Dividends paid as a percentage of earnings Optimal: 30-60%	58.9% Fair ↑ Fair Improving Dividends paid as a percentage of earnings Optimal: 30-60%	37.1% Good ↓ Good Declining Dividends paid as a percentage of earnings Optimal: 30-60%	43.9% Good ↑ Good Improving Dividends paid as a percentage of earnings Optimal: 30-60%	44.2% Good ↑ Good Improving Dividends paid as a percentage of earnings Optimal: 30-60%	39.9% Good ↑ Good Improving Dividends paid as a percentage of earnings Optimal: 30-60%	36.6% Good → Good Stable Dividends paid as a percentage of earnings Optimal: 30-60%	37.2% Good → Good Stable Dividends paid as a percentage of earnings Optimal: 30-60%	38.3% Good ↑ Good Improving Dividends paid as a percentage of earnings Optimal: 30-60%	39.4% Good Good Dividends paid as a percentage of earnings Optimal: 30-60%	32.6% Good Good Dividends paid as a percentage of earnings Optimal: 30-60%	—

🏦 How resilient is the balance sheet? 3 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Apr 22, 2014 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2010 10-K ↗	FY 2010 Dec 31, 2009 10-K ↗	FY 2009 Dec 31, 2008 10-K ↗
Working Capital (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
LT Debt (USD)	$134.84M	$40.89M	$60.74M	$62.88M	$83.72M	$242.57M	$183.20M	$75.90M	$180.22M	$142.12M	—	—	—	—	—	—	—
Total Equity (USD)	$532.54M	$458.43M	$432.06M	$393.45M	$424.15M	$407.06M	$396.41M	$370.58M	$354.64M	$156.74M	$154.15M	$146.29M	$121.38M	$118.25M	$103.61M	$113.51M	$65.44M

📋 What is driving earnings? 4 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Apr 22, 2014 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2010 10-K ↗	FY 2010 Dec 31, 2009 10-K ↗	FY 2009 Dec 31, 2008 10-K ↗
Sales/Revenue/Turnover (USD)	$168.93M	$150.73M	$152.75M	$149.00M	$137.83M	$142.14M	$118.88M	$118.82M	$118.14M	$57.72M	$53.81M	$51.57M	$46.65M	$41.18M	$39.17M	$39.30M	—
Depreciation Expense (USD)	$4.30M	$4.20M	$4.20M	$4.20M	$4.60M	$4.80M	$4.10M	$3.70M	$3.50M	$1.50M	$1.71M	$1.63M	$1.50M	$1.18M	—	—	—
Net Income, GAAP (USD)	$36.92M	$43.54M	$44.85M	$43.56M	$39.30M	$33.24M	$22.62M	$32.94M	$25.99M	$14.93M	$15.15M	$14.61M	$13.18M	$11.04M	$10.66M	$10.35M	—
Operating Cash Flow (USD)	$48.28M	$52.37M	$47.40M	$57.60M	$60.48M	$20.68M	$36.40M	$37.72M	$40.13M	$16.79M	—	$15.53M	$21.56M	$16.14M	$13.74M	$6.78M	—

🏛️ Sector-Specific 2 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Apr 22, 2014 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2010 10-K ↗	FY 2010 Dec 31, 2009 10-K ↗	FY 2009 Dec 31, 2008 10-K ↗
Net Interest Margin (approx.) (%)	2.9%	2.8%	3.0%	2.9%	2.6%	2.7%	2.4%	2.5%	2.6%	2.6%	2.8%	3.0%	2.8%	2.6%	2.8%	—	—
Efficiency Ratio (%) (%)	69.7%	63.7%	60.7%	61.2%	65.7%	66.7%	75.5%	63.6%	61.6%	62.3%	57.4%	56.6%	57.6%	56.5%	56.3%	55.3%	—

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Synced 1 week ago 17 years · 62 quarters

BAR HARBOR BANKSHARES

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