BHB on NYSE
BAR HARBOR BANKSHARES
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Last updated Oct 16, 2026.
Overview
Compare with Independent Financial, Investors Bank or Stock Yards Bancorp, Inc., or pick any stock.
Financials
From the company’s reports to the SEC. Every number links to the filing it came from.
Key numbers, fiscal 2022
148.3%Net margin3
3.4%Revenue growth, 20224
11.1%Return on equity5
0.16×Debt to equity6
$53.4MFree cash flow3
Where the money goes
Where each dollar of revenue went, fiscal 2022
- Interest19¢$12.8M
- Income tax17¢$11.3M
- Profit64¢$43.6M
Where each dollar of operating cash went, fiscal 2022
- Capital spending5¢$2.5M
- Dividends paid27¢$15.3M
- Kept or used elsewhere68¢$38.1M
Out of $55.9M of cash from operations.3
Financial statements
Every line of the income statement in the latest annual report, as filed.5
| Period ending | 2025-12-31 | 2024-12-31 | 2023-12-31 |
|---|---|---|---|
| Loans | $183.1M | $163.8M | $149.4M |
| Securities and other | $23.4M | $21.9M | $21.6M |
| Federal Home Loan Bank stock | $801.0K | $958.0K | $1.1M |
| Interest-earning deposits with other banks | $2.2M | $2.0M | $2.0M |
| Total interest and dividend income | $209.5M | $188.7M | $174.2M |
| Deposits | $63.5M | $61.7M | $38.2M |
| Borrowings | $11.5M | $13.2M | $18.3M |
| Total interest expense | $75.0M | $74.9M | $56.5M |
| Net interest income | $134.5M | $113.8M | $117.7M |
| Provision for credit losses on available-for-sale debt securities | $636.0K | $1.2M | |
| Provision for credit losses on loans | $4.6M | $955.0K | $2.9M |
| Net interest income after provision for credit losses | $129.2M | $111.7M | $114.8M |
| Trust and investment management fee income | $16.1M | $15.7M | $14.3M |
| Customer service fees | $16.0M | $14.8M | $15.2M |
| (Loss) gain on available-for-sale debt securities, net | -$5.3M | $50.0K | $34.0K |
| Mortgage banking income | $2.0M | $2.1M | $1.6M |
| Bank-owned life insurance income | $2.6M | $2.3M | $2.7M |
| Customer derivative income | $2.0M | $928.0K | $409.0K |
| Other income | $1.2M | $973.0K | $893.0K |
| Total non-interest income | $34.5M | $36.9M | $35.1M |
| Salaries and employee benefits | $60.5M | $54.8M | $52.5M |
| Occupancy and equipment | $14.5M | $13.8M | $13.4M |
| Depreciation | $4.3M | $4.2M | $4.2M |
| Gain (loss) on premises and equipment, net | $257.0K | -$192.0K | $182.0K |
| Outside services | $2.0M | $1.6M | $1.7M |
| Professional services | $1.8M | $1.4M | $1.6M |
| Communication | $877.0K | $759.0K | $697.0K |
| Marketing | $2.0M | $2.0M | $1.7M |
| Amortization of intangible assets | $1.5M | $932.0K | $932.0K |
| FDIC assessment | $1.9M | $1.8M | $1.7M |
| Acquisition, conversion and other expenses | $10.6M | $20.0K | $283.0K |
| Provision (credit) for unfunded commitments | $796.0K | -$775.0K | -$85.0K |
| Other expenses | $16.5M | $15.6M | $13.9M |
| Total non-interest expense | $117.7M | $96.0M | $92.7M |
| Income before income taxes | $45.9M | $52.6M | $57.1M |
| Income tax expense | $9.0M | $9.1M | $12.3M |
| Net income | $36.9M | $43.5M | $44.9M |
| Basic (in dollars per share) | $2.32 | $2.86 | $2.96 |
| Diluted (in dollars per share) | $2.31 | $2.84 | $2.95 |
| Basic (in shares) | 15.9M shares | 15.2M shares | 15.1M shares |
| Diluted (in shares) | 16.0M shares | 15.3M shares | 15.2M shares |
Every line of the balance sheet in the latest annual report, as filed.5
| Period ending | 2025-12-31 | 2024-12-31 | 2023-12-31 |
|---|---|---|---|
| Cash and due from banks | $44.9M | $34.3M | |
| Interest-earning deposits with other banks | $35.9M | $37.9M | |
| Total cash and cash equivalents | $80.8M | $72.2M | |
| Available-for-sale debt securities | $597.4M | $521.0M | |
| Less: Allowance for credit losses on available-for-sale debt securities | -$568.0K | $0 | |
| Net securities | $597.4M | $520.5M | |
| Federal Home Loan Bank stock | $11.3M | $12.2M | |
| Loans held for sale | $5.3M | $1.2M | |
| Total loans held for investment | $3.6B | $3.1B | |
| Less: Allowance for credit losses | -$34.1M | -$28.7M | -$28.1M |
| Net loans held for investment | $3.6B | $3.1B | |
| Premises and equipment, net | $58.2M | $51.2M | |
| Other real estate owned | $0 | $0 | |
| Goodwill | $141.8M | $119.5M | $119.5M |
| Other intangible assets | $16.4M | $3.9M | |
| Cash surrender value of bank-owned life insurance | $96.2M | $81.9M | |
| Deferred tax assets, net | $29.9M | $23.3M | |
| Other assets | $74.6M | $79.1M | |
| Total assets | $4.7B | $4.1B | |
| Non-interest bearing demand | $670.8M | $575.6M | |
| Interest-bearing demand | $1.1B | $910.2M | |
| Savings | $635.3M | $545.8M | |
| Money market | $464.8M | $405.8M | |
| Time | $912.6M | $830.3M | |
| Total deposits | $3.8B | $3.3B | |
| Senior | $216.8M | $250.0M | |
| Subordinated | $52.8M | $40.6M | |
| Total borrowings | $269.6M | $290.6M | |
| Other liabilities | $60.4M | $66.6M | |
| Total liabilities | $4.2B | $3.6B | |
| Capital stock, par value $2.00; authorized 30,000,000 and 20,000,000 shares; issued 17,734,817 and 16,428,388 shares; outstanding 16,702,063 shares and 15,279,783 shares at December 31, 2025 and December 31, 2024, respectively | $35.5M | $32.9M | |
| Additional paid-in capital | $233.3M | $194.6M | |
| Retained earnings | $314.4M | $297.9M | |
| Accumulated other comprehensive loss | -$35.4M | -$51.5M | |
| Less: 1,032,754 and 1,148,605 shares of treasury stock, at cost, at December 31, 2025 and December 31, 2024, respectively | -$15.2M | -$15.4M | |
| Total shareholders' equity | $532.5M | $458.4M | $432.1M |
| Total liabilities and shareholders' equity | $4.7B | $4.1B | |
| Capital stock, par value (in dollars per share) | $2.00 | $2.00 | |
| Capital stock, shares authorized (in shares) | 30.0M shares | 20.0M shares | |
| Capital stock, shares issued (in shares) | 17.7M shares | 16.4M shares | |
| Capital stock, shares outstanding (in shares) | 16.7M shares | 15.3M shares | |
| Treasury stock (in shares) | 1.0M shares | 1.1M shares |
Cash flow is reported year to date, not quarter by quarter, so there are no separate quarterly figures.
Every line of the cash flow in the latest annual report, as filed.5
| Period ending | 2025-12-31 | 2024-12-31 | 2023-12-31 |
|---|---|---|---|
| Net income | $36.9M | $43.5M | $44.9M |
| Provision for credit losses on loans | $4.6M | $955.0K | $2.9M |
| Provision for credit losses on available-for-sale debt securities | $636.0K | $1.2M | |
| Net (accretion) amortization of securities | -$399.0K | $1.7M | $2.4M |
| Deferred tax (benefit) expense | -$64.0K | -$366.0K | -$686.0K |
| Change in unamortized net loan costs and premiums | -$53.0K | -$1.1M | -$145.0K |
| Premises and equipment depreciation | $4.3M | $4.2M | $4.2M |
| Stock-based compensation expense | $3.1M | $3.3M | $2.6M |
| Accretion of purchase accounting entries, net | -$3.3M | ||
| Amortization of other intangibles | $1.5M | $932.0K | $932.0K |
| Income from cash surrender value of bank-owned life insurance policies | -$2.6M | -$2.3M | -$2.7M |
| Loss (gain) on available-for-sale debt securities | $5.3M | -$50.0K | -$34.0K |
| Decrease (increase) right-of-use lease assets | $336.0K | -$1.7M | $1.2M |
| (Decrease) increase in lease liabilities | -$421.0K | $1.9M | -$1.2M |
| Loss (gain) on premises and equipment, net | $257.0K | -$192.0K | $182.0K |
| Originations of loans held for sale | -$57.5M | -$53.9M | -$40.9M |
| Proceeds from loans held for sale | $53.3M | $54.9M | $38.8M |
| Net change in other assets and liabilities | $2.3M | -$565.0K | -$5.0M |
| Net cash provided by operating activities | $48.3M | $52.4M | $47.4M |
| Proceeds from maturities, calls and prepayments of available-for-sale debt securities | $99.8M | $64.4M | $42.2M |
| Proceeds from sales of available-for-sale debt securities | $43.6M | ||
| Purchases of available-for-sale debt securities | -$91.0M | -$53.5M | -$7.5M |
| Net change in loans | -$42.1M | -$147.3M | -$96.8M |
| Purchase of Federal Home Loan Bank stock | -$11.7M | -$21.4M | -$18.4M |
| Proceeds from redemption of Federal Home Loan Bank stock | $17.0M | $21.9M | $20.5M |
| Purchase of premises and equipment | -$4.8M | -$7.4M | -$6.5M |
| Proceeds from sale of premises held for sale | $406.0K | $1.4M | $413.0K |
| Proceeds from death benefit of bank-owned life insurance policy | $3.9M | ||
| Cash received from acquisitions, net | $77.5M | ||
| Net cash provided by (used in) investing activities | $88.7M | -$141.9M | -$62.3M |
| Net change in deposits | $22.3M | $126.5M | $97.7M |
| Net change in short-term borrowings | -$114.9M | -$21.1M | -$60.6M |
| Repayments of long-term borrowings | -$14.5M | -$10.0K | -$2.3M |
| Net change in subordinated debt | $159.0K | ||
| Repayments of subordinated debt | -$20.0M | ||
| Net issuance to employee stock plans | -$827.0K | -$1.0M | -$805.0K |
| Cash dividends paid on common stock | -$20.4M | -$17.8M | -$16.6M |
| Net cash (used in) provided by financing activities | -$128.3M | $66.8M | $17.4M |
| Net change in cash and cash equivalents | $8.7M | -$22.7M | $2.5M |
| Interest paid | $73.1M | $73.4M | $52.0M |
| Income taxes paid, net | $6.6M | $9.9M | $15.0M |
| Transfer of non-cash assets | $1.0M | ||
| Assets acquired in acquisition of Guaranty Bancorp, Inc., excluding cash received | $580.5M | ||
| Liabilities assumed in acquisition of Guaranty Bancorp, Inc. | $641.2M | ||
| Common stock issued for Acquisition of Guaranty Bancorp, Inc. | $39.2M |
Recent filings
- Sep 22, 20264
- Sep 22, 20264
- Sep 22, 20264
- Sep 22, 20264
- Sep 22, 20264
- Sep 22, 20264
- Sep 22, 20264
- Sep 21, 20268-K
- Sep 15, 20268-K
- Aug 18, 2026N-PX
- Aug 5, 202610-Q
- Jul 31, 2026SCHEDULE 13G/A
- Jul 27, 20268-K
- Jul 21, 20268-K
- Jul 15, 202613F-NT
Every filing from the last three years, summarized. The full record is on SEC EDGAR.1
Sources
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