Bar Harbor Bankshares (BHB) Financial Statements
Industry: State Commercial Banks
In fiscal 2025, Bar Harbor Bankshares reported revenue of $168.9M, up 12.1% from $150.7M the year before. Net income was $36.9M (a 21.9% net margin), or $2.31 per diluted share. Net interest income was $134.5M, and the efficiency ratio (noninterest expense / revenue) was 69.7%. Operating activities generated $48.3M of cash, leaving $43.5M of free cash flow. At fiscal year end, Bar Harbor Bankshares held $4.68B in total assets against $4.15B in total liabilities, including $80.8M of cash and equivalents.
Open the full interactive Bar Harbor Bankshares financials → Quarterly statements, key ratios, valuation history and price charts.
Bar Harbor Bankshares Key Stats
| Share Price | $38.18 |
|---|---|
| Market Cap | $641.7M |
| P/E Ratio | 16.5 |
| Revenue YoY Growth | +12.1% |
| 52-Week Range | $27.21 – $40.91 |
| Shares Outstanding | 16.8 million (basic, 2026 Q2) |
Bar Harbor Bankshares Income Statement
| FY 2020 | FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|---|
| Net Interest Income | $99.2M | $95.6M | $113.7M | $117.7M | $113.8M | $134.5M |
| Provision for Credit Losses | $5.6M | -$1.3M | $2.9M | $2.9M | $2.1M | $5.3M |
| Noninterest Income | $43.0M | $42.3M | $35.3M | $35.8M | $36.9M | $34.5M |
| Noninterest Expense | $94.9M | $90.5M | $91.3M | $93.5M | $96.0M | $117.7M |
| Revenue | $142.1M | $137.8M | $149.0M | $153.5M | $150.7M | $168.9M |
| Pre-Tax Income | $41.7M | $48.6M | $54.8M | $57.1M | $52.6M | $45.9M |
| Income Tax | $8.4M | $9.3M | $11.3M | $12.3M | $9.1M | $9.0M |
| Net Income | $33.2M | $39.3M | $43.6M | $44.9M | $43.5M | $36.9M |
| Diluted EPS | $2.18 | $2.61 | $2.88 | $2.95 | $2.84 | $2.31 |
Bar Harbor Bankshares Quarterly Results
| 2025 Q3 | 2025 Q4 | 2026 Q1 | 2026 Q2 | |
|---|---|---|---|---|
| Revenue | $47.5M | $48.9M | $47.3M | $49.7M |
| Net Income | $8.9M | $11.8M | $13.5M | $15.2M |
| Diluted EPS | $0.54 | $0.74 | $0.81 | $0.91 |
Bar Harbor Bankshares Balance Sheet
| FY 2020 | FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|---|
| Cash & Equivalents | $226.0M | $250.4M | $92.3M | $94.8M | $72.2M | $80.8M |
| Loans (Net) | $2.54B | $2.51B | $2.88B | $2.97B | $3.12B | $3.57B |
| Total Assets | $3.73B | $3.71B | $3.91B | $3.97B | $4.08B | $4.68B |
| Deposits | $2.91B | $3.05B | $3.04B | $3.14B | $3.27B | $3.82B |
| Total Long-Term Debt | $242.6M | $178.5M | $394.2M | $331.5M | $290.6M | $134.8M |
| Total Liabilities | $3.31B | $3.29B | $3.52B | $3.54B | $3.62B | $4.15B |
| Shareholders' Equity | $411.3M | $424.1M | $393.4M | $432.1M | $458.4M | $532.5M |
Bar Harbor Bankshares Cash Flow Statement
| FY 2020 | FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|---|
| Cash From Operations | $38.2M | $60.5M | $57.6M | $47.4M | $52.4M | $48.3M |
| Cash From Investing | $142.7M | -$6.1M | -$410.6M | -$62.3M | -$141.9M | $88.7M |
| Cash From Financing | -$11.8M | -$30.0M | $194.9M | $17.4M | $66.8M | -$128.3M |
| Free Cash Flow | $31.4M | $58.8M | $55.1M | $40.9M | $45.0M | $43.5M |
Figures from Bar Harbor Bankshares' 10-K and 10-Q filings with the SEC, as of 2026-10-14. Fiscal years follow the company's own reporting calendar. EPS and share counts are adjusted for later stock splits. See the full Bar Harbor Bankshares financials page for every line item.
Bar Harbor Bankshares Company Profile
| Ticker | BHB |
|---|---|
| Exchange | NYSE |
| Industry | State Commercial Banks |
| Headquarters | Bar Harbor, Maine |
| Incorporated in | Maine |
| Fiscal Year End | December 31 |
| SEC Filer Category | Accelerated filer |
| SEC CIK | 0000743367 |
Frequently Asked Questions
What was Bar Harbor Bankshares' revenue in fiscal 2025?
Bar Harbor Bankshares (BHB) reported revenue of $168.9M for fiscal 2025.
What is Bar Harbor Bankshares' annual revenue history?
Bar Harbor Bankshares' annual revenue by fiscal year: 2020: $142.1M; 2021: $137.8M; 2022: $149.0M; 2023: $153.5M; 2024: $150.7M; 2025: $168.9M.
What was Bar Harbor Bankshares' net income in fiscal 2025?
Bar Harbor Bankshares reported net income of $36.9M for fiscal 2025.
What was Bar Harbor Bankshares' earnings per share (EPS) in fiscal 2025?
Bar Harbor Bankshares' diluted EPS was $2.31 for fiscal 2025 (adjusted for any later stock splits).
How much free cash flow did Bar Harbor Bankshares generate in fiscal 2025?
Bar Harbor Bankshares generated $43.5M of free cash flow in fiscal 2025.
What was Bar Harbor Bankshares' revenue last quarter?
In its most recent reported quarter (2026 Q2), Bar Harbor Bankshares reported revenue of $49.7M.
How much debt does Bar Harbor Bankshares have?
Bar Harbor Bankshares reported $134.8M of long-term debt, including the current portion, at the end of fiscal 2025.
How many shares of Bar Harbor Bankshares are outstanding?
Bar Harbor Bankshares reported a weighted average of 16.8 million basic shares outstanding in 2026 Q2.
What is Bar Harbor Bankshares' market cap?
Based on its latest closing price, Bar Harbor Bankshares (BHB) has a market capitalization of about $641.7M.
When does Bar Harbor Bankshares' fiscal year end?
Bar Harbor Bankshares' fiscal year end, as registered with the SEC, is December 31.
Where is Bar Harbor Bankshares headquartered?
Bar Harbor Bankshares lists its business address in Bar Harbor, Maine in its SEC filings.