BHB Financials BAR HARBOR BANKSHARES

15 years of revenue, profit, cash flow and balance-sheet history through FY2025, from SEC filings — with a computed, factual read of the trend. Updated Aug 9, 2026, 10:13 UTC Overview →

Growth & profitability

Revenue has grown 8.1% per year over the past 5 years.
Net income has grown slower than revenue (2.1% vs 8.1% per year).
Free cash flow has grown 25.6% per year over the past 5 years.

Financial health

Total debt ($270M) exceeds cash ($81M); net debt is $189M.
Total debt has grown slower than revenue (-4.3% vs 8.1% per year).

Shareholder returns

Dividends have been paid for 15 consecutive years, consuming 55.3% of earnings and 46.9% of free cash flow.
The dividend has grown 8.7% per year over the past 5 years.

Revenue & net income

RevenueNet income

Margins (gross / operating / net)

GrossOperatingNet

Return on equity & assets (ROE / ROA)

ROEROA

Free cash flow (CFO − capex)

Free cash flow

Cash vs total debt

CashTotal debt

Cash flow: operating / investing / financing

OperatingInvestingFinancing

Key annual figures

FY	Revenue	Net income	Gross M	Op M	ROE	ROA	FCF	Total debt	Cash
2025	—	$37M	—	—	6.9%	0.8%	$43M	$270M	$81M
2024	—	$44M	—	—	9.5%	1.1%	$45M	$291M	$72M
2023	—	$45M	—	—	10.4%	1.1%	$41M	$332M	$95M
2022	$29M	$44M	0.0%	0.0%	11.1%	1.1%	$53M	$394M	$92M
2021	$28M	$39M	0.0%	0.0%	9.3%	1.1%	$57M	$179M	$250M
2020	$25M	$33M	0.0%	0.0%	8.2%	0.9%	$14M	$336M	$226M
2019	$22M	$23M	0.0%	0.0%	5.7%	0.6%	$21M	$531M	$57M
2018	$22M	$33M	0.0%	0.0%	8.9%	0.9%	$33M	$724M	$99M
2017	—	$26M	—	—	7.3%	0.7%	$37M	$830M	$91M
2016	—	$15M	—	—	9.5%	0.9%	$12M	$537M	$8M
2015	—	$15M	—	—	9.8%	1.0%	$18M	—	$10M
2014	—	$15M	—	—	10.0%	1.0%	$14M	—	$10M
2013	—	$13M	—	—	10.9%	1.0%	$19M	—	$9M
2012	—	$12M	—	—	9.7%	1.0%	$17M	$367M	$15M
2011	—	$11M	—	—	9.3%	0.9%	$12M	$315M	$9M

Revenue & net income

RevenueNet income

Margins (gross / operating / net)

GrossOperatingNet

Return on equity & assets (ROE / ROA)

ROEROA

Free cash flow (CFO − capex, quarterly)

Free cash flow

Cash vs total debt

CashTotal debt

Cash flow: operating / investing / financing

OperatingInvestingFinancing

Key quarterly figures

Quarter	Revenue	Net income	Gross M	Op M	ROE	ROA	FCF	Total debt	Cash
Jun '26	—	$15M	—	—	2.8%	0.3%	$22M	$281M	$104M
Mar '26	—	$14M	—	—	2.5%	0.3%	$3M	$216M	$82M
Dec '25	—	$12M	—	—	2.2%	0.3%	$17M	$270M	$81M
Sep '25	—	$9M	—	—	1.7%	0.2%	$15M	$192M	$137M
Jun '25	—	$6M	—	—	1.3%	0.1%	$3M	$297M	$87M
Mar '25	—	$10M	—	—	2.2%	0.3%	$8M	$241M	$88M
Dec '24	—	$11M	—	—	2.4%	0.3%	$12M	$291M	$72M
Sep '24	—	$12M	—	—	2.7%	0.3%	$22M	$247M	$81M
Jun '24	—	$10M	—	—	2.3%	0.3%	$2M	$390M	$102M
Mar '24	—	$10M	—	—	2.3%	0.3%	$8M	$330M	$76M
Dec '23	—	$10M	—	—	2.3%	0.3%	$13M	$332M	$95M
Sep '23	—	$11M	—	—	2.7%	0.3%	$17M	$367M	$123M
Jun '23	—	$11M	—	—	2.6%	0.3%	-$6M	$459M	$124M
Mar '23	—	$13M	—	—	3.2%	0.3%	$16M	$399M	$83M
Dec '22	$7M	$13M	0.0%	0.0%	3.2%	0.3%	$16M	$394M	$92M
Sep '22	$7M	$11M	0.0%	0.0%	3.0%	0.3%	$20M	$249M	$82M
Jun '22	$7M	$11M	0.0%	0.0%	2.7%	0.3%	$13M	$178M	$67M
Mar '22	$7M	$9M	0.0%	0.0%	2.2%	0.2%	$6M	$179M	$111M
Dec '21	$7M	$10M	0.0%	0.0%	2.3%	0.3%	$29M	$179M	$250M
Sep '21	$7M	$11M	0.0%	0.0%	2.6%	0.3%	$18M	$250M	$341M

Valuation over time

How the market has priced BHB against its own fundamentals since 2023-03 — each month-end's share price set against the most recent annual filing, so the multiple moves as price runs ahead of (or behind) earnings. Split-adjusted.

The price-to-earnings ratio has risen from 10.2× (Mar '23) to 18.7× (Nov '26).
The price-to-sales ratio has risen from 15.1× (Mar '23) to 16.8× (Dec '23).
The dividend yield has fallen from 3.4% (Mar '23) to 2.9% (Nov '26).

Price / earnings (P/E)

P/E

Price / sales (P/S)

P/S

Dividend yield (%)

Dividend yield %

Frequently asked questions

Is BHB growing its revenue and profit?

Over the past 5 years, BAR HARBOR BANKSHARES's revenue has grown 8.1% per year, and net income grown 2.1% per year. These are computed facts, not advice.

How much debt does BHB have?

As of FY2025, BAR HARBOR BANKSHARES reported $270M of total debt against $81M of cash.

What is BHB's profit margin?

In FY2025, gross margin was —, operating margin —, and net margin —.

What is BHB's P/E ratio?

BAR HARBOR BANKSHARES's P/E (TTM) is 14.01 as of the 2026-11-03 close — market cap ÷ net income over the trailing twelve months where four consecutive quarters are reported, otherwise the latest fiscal year, the same figure as on the BHB stock page. The valuation chart above sets each month-end's price against the latest annual net income instead, so its latest point (about 18.7× as of Nov '26) can differ. These are computed facts, not advice.

Where does this data come from?

All figures are extracted from the company’s SEC EDGAR/XBRL filings — 10-K annual reports and 10-Q quarterly reports (use the Annual / Quarterly toggle). Quarterly figures are derived from the as-filed statements (year-to-date amounts are differenced into discrete quarters). Growth rates and ratios are computed by tradmap; nothing here is investment advice.

Source: SEC EDGAR / XBRL (10-K + 10-Q filings) · prices EOD (Databento), split-adjusted; price return — dividends not reinvested · growth rates, valuation multiples & ratios computed by tradmap. Valuation uses each month-end price against the latest annual filing. Informational only — not investment advice.