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 42 d ago 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 18.2× (Sep '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 3.0% (Sep '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?

As of Sep '26, BAR HARBOR BANKSHARES traded at a price-to-earnings ratio of about 18.2× (market cap ÷ latest annual net income). The valuation charts above show how its P/E, P/S and dividend yield have moved with the share price. 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), corporate-action-adjusted · growth rates, valuation multiples & ratios computed by tradmap. Valuation uses each month-end price against the latest annual filing. Informational only — not investment advice.