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Bar Harbor Bankshares (BHB)
Financial Services · Banks - Regional · NYSE American
Bar Harbor Bankshares revenue & earnings — last 10 fiscal years
| Metric | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $0 | $0 | $21.52M | $22.19M | $24.70M | $28.39M | $148.33M | $152.75M | $149.56M | $168.30M |
| Gross profit | — | — | — | — | — | — | — | — | — | — |
| Net income | $14.93M | $25.99M | $32.94M | $22.62M | $33.24M | $39.30M | $43.56M | $44.85M | $43.54M | $36.92M |
| Net margin | — | — | 153.0% | 101.9% | 134.6% | 138.4% | 29.4% | 29.4% | 29.1% | 21.9% |
Source: Bar Harbor Bankshares SEC filings (10-K). 17 years of history available in the interactive view.
What growth is priced into BHB stock?
At today's market cap of $609.91M, Bar Harbor Bankshares is priced for free-cash-flow growth of about 2.9% per year for 10 years (assuming a 10% discount rate and 2.5% terminal growth, base FCF $43.47M from the FY ending 2025-12-31). For comparison, free cash flow actually grew 25.6%/yr over the last five fiscal years and revenue 46.8%/yr, computed from its SEC filings. This is a reverse DCF — a translation of the price into a growth assumption you can judge, not a fair value and not advice. Change the assumptions yourself in the interactive view →
Explore 17 years of Bar Harbor Bankshares financials — interactive
Full income statement, balance sheet and cash flow with CAGR and trend on every row, 48 quarters, valuation ratios, plain-English health checks, and Ask — our SEC-grounded research assistant.
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Bar Harbor Bankshares financial history by metric
About Bar Harbor Bankshares
Bar Harbor Bankshares operates as the holding company for Bar Harbor Bank & Trust that provides banking and nonbanking products and services primarily to consumers and businesses. The company offers deposit products, including interest-bearing and non-interest-bearing demand accounts, savings accounts, time deposits, and money market deposit accounts, as well as certificates of deposit. It also provides commercial construction loans, such as raw land, land development, and construction of commercial and multifamily residential properties; commercial real estate owner occupied and non-owner occupied loans; tax exempt loans to various state and municipal government entities; commercial and industrial loans, including loans for the purpose of financing working capital and capital investment; residential real estate loans consists of one-to-four family homes; home equity loans; and consumer loans, including personal lines of credit and amortizing loans to qualified individuals for various purposes, such as auto loans, recreational equipment, overdraft protection, and other consumer loans, as well as allowance for credit losses. In addition, the company provides life insurance, annuity, and retirement products; financial planning services; and third-party investment and insurance services. Further, it offers trust and estate administration, wealth advisory, and investment management services to individuals, businesses, not-for-profit organizations, and municipalities; and 401(K) plan, financial, estate and charitable planning, investment management, family office, municipal, and tax services. Bar Harbor Bankshares was founded in 1887 and is headquartered in Bar Harbor, Maine.
Bar Harbor Bankshares — frequently asked questions
What is Bar Harbor Bankshares's revenue?
Bar Harbor Bankshares (BHB) reported revenue of $168.30M for fiscal year 2025, up 12.5% from the prior year, according to its SEC filings.
Is Bar Harbor Bankshares profitable?
Yes. BHB earned net income of $36.92M in fiscal 2025, a net margin of 21.9%.
What is BHB's P/E ratio?
Bar Harbor Bankshares trades at a price-to-earnings ratio of about 14.8 based on the latest data in our nightly-refreshed cache.
How fast is Bar Harbor Bankshares growing?
BHB's revenue grew at roughly 46.8% per year over the last five fiscal years (compound annual growth rate), computed from SEC-filed statements.
How much debt does Bar Harbor Bankshares have?
As of fiscal year 2025, BHB carried roughly $269.64M in total debt (short- plus long-term borrowings), per its filed balance sheet.
What is Bar Harbor Bankshares's market cap?
Bar Harbor Bankshares (BHB) has a market capitalization of about $609.91M, based on the latest data in our nightly-refreshed cache.
When does Bar Harbor Bankshares's fiscal year end?
BHB's fiscal year ends in December. Its most recent annual filing covers the fiscal year ending 2025-12-31.
What growth is priced into BHB stock?
At today's market cap of $609.91M, Bar Harbor Bankshares is priced for free-cash-flow growth of about 2.9% per year for 10 years (assuming a 10% discount rate and 2.5% terminal growth, base FCF $43.47M from the FY ending 2025-12-31). For comparison, free cash flow actually grew 25.6%/yr over the last five fiscal years and revenue 46.8%/yr, computed from its SEC filings.
Where does this data come from?
All figures are computed from Bar Harbor Bankshares's official SEC filings (10-K and 10-Q), covering 17 years of history, refreshed nightly. stockportfolio.pro does not provide investment advice.