BHBNYSEState Commercial BanksFiscal year ends December 31
BAR HARBOR BANKSHARES
Financials through Q2 FY2026, quarter ended Jun 30, 2026Last filing: 10-Q on Aug 5, 2026
$38.11−0.10 (-0.26%)
Close on Oct 19, 2026
- Market cap
- $640.57M
- P/E (TTM)
- 12.9
- Dividend yield
- 3.31%
Margins
Share of revenue, fiscal years 2011 to 2025
Net margin
21.9%−112.7 pts over 5 years
Growth rates
Compound annual growth to fiscal 2025
| Per year | 1 year | 3 years | 5 years | 10 years | Five-year pace |
|---|---|---|---|---|---|
| Revenue | +12.1% | +79.2% | +46.9% | +12.1% | |
| Net income | -15.2% | -5.4% | +2.1% | +9.3% | |
| EPS, diluted | -18.7% | -7.1% | +1.2% | +3.3% | |
| Free cash flow | -3.4% | -6.6% | +25.6% | +8.9% | |
| Dividend per share | +6.8% | +7.3% | +7.4% | +6.5% |
Returns and balance sheet
10 fiscal years. Hover a measure to see how it is calculated.
| Measure | FY2016 | FY2020 | FY2025 | Trend |
|---|---|---|---|---|
| Return on equity | 9.6% | 8.3% | 7.5% | |
| Return on assets | 0.9% | 0.9% | 0.8% | |
| Capex to revenue | 7.4% | 27.4% | 2.8% | |
| Diluted shares | 9M | 15M | 16M |
Where the cash went
Fiscal 2021 to 2025, five years combined
Bar Harbor Bankshares generated $263.13M from operations and spent $107.14M on capital expenditure, dividends and share buybacks. 21% of that went back into the business.
Generated
$263.13M
Used
$107.14M
Capital expenditure$22.97M21%Dividends$84.16M79%Share buybacks$00%
DuPont analysis
Return on equity split into margin, efficiency and leverage
Net margin21.9%
×Asset turnover0.04×
×Equity multiplier8.85×
=Return on equity, FY20257.5%
| Fiscal year | Net margin | Asset turnover | Equity multiplier | Return on equity |
|---|---|---|---|---|
| FY2025 | 21.9% | 0.04× | 8.85× | 7.5% |
| FY2024 | 28.9% | 0.04× | 9.04× | 9.8% |
| FY2023 | 29.4% | 0.04× | 9.55× | 10.9% |
| FY2022 | 148.3% | 0.01× | 9.32× | 10.7% |
| FY2021 | 138.4% | 0.01× | 8.94× | 9.5% |
| FY2020 | 134.6% | 0.01× | 9.20× | 8.3% |
| FY2019 | 101.9% | 0.01× | 9.49× | 5.9% |
| FY2018 | 153.0% | 0.01× | 9.89× | 9.1% |
| FY2017 | 22.0% | 0.04× | 10.40× | 10.2% |
| FY2016 | 25.9% | 0.03× | 10.73× | 9.6% |
Piotroski F-Score
Nine tests of profitability, balance sheet and efficiency, fiscal 2025 against fiscal 2024
4of 6 tests passed in fiscal 2025. Some tests lack the figures they need.
- ProfitableNet income above zero$36.92M
- Cash generatingOperating cash flow above zero$48.28M
- Return on assets improvedROA up on the prior year1.1% → 0.9%
- Earnings backed by cashOperating cash flow above net income$48.28M vs $36.92M
- Less leverageLong-term debt to assets fell– → –
- Better liquidityCurrent ratio rose– → –
- No dilutionShare count did not rise15M → 16M
- Gross margin improvedGross margin up on the prior year– → –
- More efficientAsset turnover rose0.04 → 0.04