BAR HARBOR BANKSHARES BHB

Latest FY: 2025 Financial Services Banks - Regional
Market Price $40.37
Market Cap $675.88M
P/E Ratio 17.48
Quick Peer Compare (Financial Services):
Revenue (FY 2025) ↑12.1% YoY
$168.93M
3-Yr CAGR: 4.4%
Net Income ↓-15.2% YoY
$36.92M
Net Margin: 21.9%
Free Cash Flow ↓-3.4% YoY
$43.47M
FCF Yield: 6.43%
EPS (Diluted) ↓-18.7% YoY
$2.31
Basic: $2.32
Return on Equity Efficiency
6.9%
ROA: 0.8%

📊 Multi-Year Historical Performance & Trends

Financial Performance History Revenue, Net Income & Free Cash Flow
Margins Trend (%) Gross, Operating & Net Margins
Balance Sheet Strength Cash, Debt & Equity
Cash Flow Generation Operating Cash Flow vs CapEx vs FCF

📈 Year-over-Year (YoY) Growth History (BHB)

All monetary values in millions ($M)
Fiscal Year Revenue Revenue YoY Gross Profit Net Income Net Inc YoY Diluted EPS EPS YoY Div / Sh Div Yield Op. Cash Flow Free Cash Flow FCF YoY
FY 2016 $57.7M $45.6M $14.9M $2.45 $1.09 3.45% $16.8M $12.5M
FY 2017 $118.1M +104.7% $94.2M $26.0M +74.1% $1.70 -30.6% $0.75 2.78% $40.1M $37.0M +195.9%
FY 2018 $118.8M +0.6% $82.2M $32.9M +26.7% $2.12 +24.7% $0.79 3.52% $37.7M $32.9M -10.9%
FY 2019 $118.9M +0.1% $73.3M $22.6M -31.3% $1.45 -31.6% $0.86 3.39% $36.4M $27.2M -17.3%
FY 2020 $142.1M +19.6% $115.2M $33.2M +47.0% $2.18 +50.3% $0.88 3.90% $38.2M $31.4M +15.4%
FY 2021 $137.8M -3.0% $122.6M $39.3M +18.2% $2.61 +19.7% $0.94 3.25% $60.5M $58.8M +87.2%
FY 2022 $148.3M +7.6% $135.5M $43.6M +10.8% $2.88 +10.3% $1.02 3.18% $57.6M $55.1M -6.3%
FY 2023 $152.7M +3.0% $96.2M $44.9M +3.0% $2.95 +2.4% $1.10 3.75% $47.4M $40.9M -25.8%
FY 2024 $150.7M -1.3% $75.8M $43.5M -2.9% $2.84 -3.7% $1.18 3.86% $52.4M $45.0M +10.0%
FY 2025 $168.9M +12.1% $93.9M $36.9M -15.2% $2.31 -18.7% $1.26 4.06% $48.3M $43.5M -3.4%
$

Valuation

Market Price $40.37
Market Cap $675.88M
Enterprise Value $729.88M
P/E Ratio 17.48
P/B Ratio 1.27
FCF Yield 6.43%
Dividend Yield 3.12%
Shares Outstanding 16,742,100
%

Profitability & Margins

Gross Margin 55.58%
Operating Margin 27.19%
Net Margin 21.85%
Return on Equity (ROE) 6.93%
Return on Assets (ROA) 0.79%
Asset Turnover 0.04x
Revenue 3-Yr CAGR 4.43%
🛡️

Financial Health & Liquidity

Current Ratio N/A
Cash Ratio N/A
Debt / Equity 0.253
Debt / Assets 0.029
Cash & Equivalents $80.84M
Total Debt $134.84M
Book Value / Share $31.81
💧

Cash Flow Efficiency

Operating Cash Flow $48.28M
Capital Expenditures (CapEx) $4.81M
Free Cash Flow $43.47M
OCF / Revenue 28.58%
FCF / Revenue 25.73%
FCF 3-Yr CAGR -7.59%
🏷️

Per Share Metrics

EPS (Diluted) $2.31
EPS (Basic) $2.32
Dividends / Share $1.26
Book Value / Share $31.81
EPS YoY Growth -18.66%
🏛️

Balance Sheet (FY 2025)

Total Assets $4.68B
Total Liabilities $4.15B
Stockholders' Equity $532.54M
Current Assets N/A
Current Liabilities N/A