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Bar Harbor Bankshares Inc

Bar Harbor Bankshares Inc

BHB · AMEX · Financial Services / Banks - Regional

41.53USD+0.14 (+0.34%)

Price History

Full chart

Market Stats

Previous Close41.39
Open41.35
Day Range41.18 – 41.71
52-Week Range27.04 – 41.12
Volume48.20K
Market Cap666.12M
P/E (TTM)13.33
Forward P/E12.12
EPS2.98
Dividend Yield3.35%
Beta0.59
50-Day Avg39.74
200-Day Avg35.49

About

Bar Harbor Bankshares operates as the holding company for Bar Harbor Bank & Trust that provides banking and nonbanking products and services primarily to consumers and businesses. The company offers deposit products, including interest-bearing and non-interest-bearing demand accounts, savings accounts, time deposits, and money market deposit accounts, as well as certificates of deposit. It also provides commercial construction loans, such as raw land, land development, and construction of commercial and multifamily residential properties; commercial real estate owner occupied and non-owner occupied loans; tax exempt loans to various state and municipal government entities; commercial and industrial loans, including loans for the purpose of financing working capital and capital investment; residential real estate loans consists of one-to-four family homes; home equity loans; and consumer loans, including personal lines of credit and amortizing loans to qualified individuals for various purposes, such as auto loans, recreational equipment, overdraft protection, and other consumer loans, as well as allowance for credit losses. In addition, the company provides life insurance, annuity, and retirement products; financial planning services; and third-party investment and insurance services. Further, it offers trust and estate administration, wealth advisory, and investment management services to individuals, businesses, not-for-profit organizations, and municipalities; and 401(K) plan, financial, estate and charitable planning, investment management, family office, municipal, and tax services. Bar Harbor Bankshares was founded in 1887 and is headquartered in Bar Harbor, Maine.

Company Details

  • SectorFinancial Services
  • IndustryBanks - Regional
  • CEOMr. Curtis C. Simard
  • Employees530
  • Headquarters82 Main Street, Bar Harbor, ME, United States, 04609-0400, USA
  • Websitehttps://www.barharbor.bank

Leadership

  • Mr. Curtis C. SimardPresident, CEO & Director · b. 1971
  • Ms. Josephine IannelliExecutive VP, CFO & Treasurer · b. 1972
  • Ms. Marion ColomboExecutive VP & Chief Retail Officer · b. 1967
  • Mr. Jason P. EdgarPresident of Bar Harbor Wealth Management · b. 1977
  • Ms. Alison DiPaolaSenior VP & CHRO · b. 1989
  • Kirstie A. CarterCorporate Clerk & Secretary

Financials

Income Statement

Currency: USD1995-12-311996-12-311997-12-311998-12-311999-12-312000-12-312001-12-312002-12-312003-12-312004-12-312005-12-312006-12-312007-12-312008-12-312009-12-312010-12-312011-12-312012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Total Revenue11.63M21.20M33.50M34.90M37.81M42.40M41.41M38.67M37.57M38.49M43.61M53.02M57.74M60.03M60.39M59.50M57.39M58.18M57.93M61.05M64.20M69.84M142.05M155.39M164.46M169.06M153.06M161.17M150.41M224.44M243.34M
Growth (%)-+82.23%+58.02%+4.18%+8.33%+12.15%-2.33%-6.61%-2.86%+2.47%+13.29%+21.58%+8.90%+3.96%+0.60%-1.48%-3.54%+1.38%-0.43%+5.38%+5.17%+8.77%+103.41%+9.39%+5.84%+2.80%-9.46%+5.30%-6.68%+49.22%+8.42%
Cost of Revenue11.58M12.00M12.30M12.30M14.28M18.57M17.75M13.88M11.62M11.72M15.34M24.58M29.36M28.40M24.29M21.76M18.91M15.52M13.08M11.74M12.18M13.09M26.70M39.35M47.90M32.59M14.11M17.51M59.33M75.06M79.33M
Gross Profit49.30K21.20M21.20M22.60M23.53M23.83M23.66M24.80M25.95M26.77M28.27M28.44M28.38M31.63M36.10M37.74M38.48M42.66M44.85M49.31M52.03M56.74M115.35M116.04M116.56M136.47M138.96M143.67M150.41M149.38M164.01M
Gross Margin0.42%100.00%63.28%64.76%62.24%56.21%57.14%64.12%69.08%69.54%64.83%53.64%49.15%52.69%59.77%63.43%67.04%73.33%77.42%80.77%81.04%81.25%81.20%74.68%70.88%80.72%90.78%89.14%100.00%66.55%67.40%
Operating Expense-8.45M300.00K11.80M12.90M14.30M16.61M18.49M18.25M18.85M18.91M19.27M18.68M18.20M20.51M21.75M22.94M22.97M25.25M26.48M28.78M30.91M35.94M72.73M75.54M89.73M94.81M90.33M88.82M75.75M96.76M117.66M
Operating Income8.49M20.90M9.40M9.70M9.23M7.22M5.17M6.55M7.10M7.86M9.01M9.76M10.18M11.12M14.34M14.79M15.51M17.41M18.37M20.53M21.12M20.81M42.62M40.50M26.83M41.65M48.63M54.84M74.66M52.61M46.35M
Operating Margin73.02%98.58%28.06%27.79%24.42%17.02%12.49%16.95%18.90%20.41%20.65%18.42%17.62%18.52%23.75%24.87%27.02%29.92%31.72%33.62%32.90%29.80%30.01%26.06%16.31%24.64%31.77%34.03%49.64%23.44%19.05%
EBITDA9.08M20.90M10.40M10.90M10.21M8.51M6.56M7.69M8.50M10.73M11.33M11.39M11.55M11.44M15.32M17.07M16.68M18.74M19.97M22.25M22.92M22.45M46.99M45.03M31.83M47.45M55.23M61.27M63.43M56.03M52.02M
EBITDA Margin78.07%98.58%31.04%31.23%27.01%20.06%15.83%19.88%22.63%27.88%25.97%21.49%20.00%19.06%25.37%28.69%29.07%32.21%34.47%36.44%35.70%32.15%33.08%28.98%19.35%28.07%36.08%38.01%42.17%24.96%21.38%
Net Income5.88M6.70M6.40M6.60M6.22M4.80M3.51M4.57M5.21M5.73M6.42M6.88M7.16M7.73M10.35M10.66M11.04M12.47M13.18M14.61M15.15M14.93M25.99M32.94M22.62M33.24M39.30M43.56M44.85M43.54M36.92M
Net Income Margin50.53%31.60%19.10%18.91%16.47%11.31%8.48%11.80%13.86%14.89%14.73%12.97%12.39%12.88%17.14%17.92%19.24%21.43%22.76%23.94%23.60%21.38%18.30%21.20%13.75%19.66%25.67%27.02%29.82%19.40%15.17%
R&D----------------0-000000-------
R&D as % of Total Revenue----------------0.00%-0.00%0.00%0.00%0.00%0.00%0.00%-------
Interest Expense10.62M11.30M11.70M12.00M13.80M17.62M15.75M12.78M11.07M11.54M15.34M24.45M28.91M26.40M21.09M19.43M16.52M13.87M11.66M9.90M10.39M12.11M23.91M36.57M45.58M26.92M15.23M12.85M56.51M74.89M75.04M
Interest Expense % of Total Revenue91.32%53.30%34.93%34.38%36.51%41.55%38.03%33.03%29.48%29.99%35.17%46.11%50.06%43.99%34.92%32.66%28.78%23.83%20.13%16.23%16.18%17.34%16.83%23.53%27.72%15.93%9.95%7.97%37.57%33.37%30.84%

Balance Sheet

Currency: USD1995-12-311996-12-311997-12-311998-12-311999-12-312000-12-312001-12-312002-12-312003-12-312004-12-312005-12-312006-12-312007-12-312008-12-312009-12-312010-12-312011-12-312012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Total Assets326.61M345.10M342.70M392.00M456.81M466.23M487.20M553.82M583.75M666.81M747.95M824.88M889.47M972.29M1.07B1.12B1.17B1.30B1.37B1.46B1.58B1.76B3.57B3.61B3.67B3.73B3.71B3.91B3.97B4.08B4.68B
Total Liabilities293.37M307.20M300.20M345.10M407.66M415.72M434.67M499.98M530.63M610.77M691.84M763.83M823.50M906.84M958.87M1.01B1.05B1.17B1.25B1.31B1.43B1.60B3.21B3.24B3.27B3.31B3.29B3.52B3.54B3.62B4.15B
Total Equity33.24M37.90M42.50M46.90M49.15M50.51M52.54M53.84M53.12M56.04M56.10M61.05M65.97M65.44M113.51M103.61M118.00M128.05M121.38M146.29M154.15M156.74M354.64M370.58M396.41M411.34M424.15M393.45M432.06M458.43M532.54M
Cash12.56M13.30M7.50M11.50M12.85M10.58M17.36M11.53M14.20M9.57M14.00M19.55M7.73M9.04M9.83M12.81M8.72M14.99M9.20M9.80M9.72M8.44M90.69M98.75M56.91M226.01M250.39M92.30M94.84M72.16M80.84M
Total Debt32.70M43.90M39.20M66.20M121.84M119.15M120.90M170.50M170.51M206.92M239.70M260.71M278.85M323.90M311.63M300.01M320.28M371.57M409.44M447.02M474.79M931.08M829.72M723.80M531.32M336.02M273.33M394.25M301.50M290.60M269.64M
Net Debt20.14M30.60M31.70M54.70M108.99M108.57M103.55M158.97M156.31M197.35M225.70M241.16M271.12M314.86M301.80M287.20M311.56M356.57M400.25M437.22M465.07M922.64M739.04M625.04M474.41M110.02M-71.86M301.95M206.66M218.44M188.81M

Cash Flow

Currency: USD1995-12-311996-12-311997-12-311998-12-311999-12-312000-12-312001-12-312002-12-312003-12-312004-12-312005-12-312006-12-312007-12-312008-12-312009-12-312010-12-312011-12-312012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Operating Cash Flow7.82M8.10M8.90M6.50M6.51M6.60M7.47M6.72M6.70M8.86M7.38M7.88M8.17M10.92M6.78M13.74M16.14M21.09M21.56M15.53M20.33M16.79M40.13M37.72M36.40M38.17M60.48M57.60M47.40M52.37M48.28M
Investing Cash Flow-29.03M-19.40M-2.40M-45.40M-65.18M-10.34M-15.93M-73.26M-34.00M-68.93M-79.68M-70.53M-76.42M-86.92M-92.25M-45.80M-51.83M-92.37M-100.64M-70.15M-127.98M-181.89M-159.01M-43.96M-84.98M142.75M-6.06M-410.58M-62.29M-141.88M88.71M
Financing Cash Flow24.06M12.00M-10.30M42.90M60.01M1.47M15.23M60.72M28.90M55.17M76.73M68.19M56.43M77.31M86.26M35.04M31.59M77.55M73.29M55.22M107.57M163.81M201.12M14.31M6.73M-11.82M-30.03M194.88M17.43M66.83M-128.31M
Capital Expenditure02.50M1.10M1.20M1.55M4.95M2.44M312.00K1.20M1.26M1.24M863.00K638.00K1.06M1.99M2.66M3.77M3.89M2.39M2.00M1.87M4.30M3.16M4.79M9.19M6.78M1.72M2.52M6.53M7.40M4.81M
Free Cash Flow7.82M5.60M7.80M5.30M4.96M1.65M5.03M6.41M5.50M7.59M6.14M7.02M7.54M9.86M4.80M11.08M12.37M17.20M19.17M13.53M18.46M12.49M36.98M32.93M27.22M31.40M58.76M55.08M40.87M44.98M43.47M
Dividends Paid1.47M2.00M2.10M2.30M2.48M2.55M2.49M2.44M2.39M2.48M2.58M2.76M2.90M3.00M3.78M4.09M4.23M4.57M4.92M5.36M6.04M6.58M11.51M12.18M13.37M13.42M14.07M15.33M16.57M17.79M20.40M
FCF to OCF100.00%69.14%87.64%81.54%76.24%24.98%67.34%95.36%82.04%85.76%83.14%89.05%92.19%90.27%70.71%80.64%76.67%81.54%88.90%87.11%90.82%74.41%92.13%87.29%74.77%82.25%97.16%95.63%86.22%85.88%90.03%
Dividend Paid to FCF18.84%35.71%26.92%43.40%49.91%154.88%49.50%38.16%43.40%32.63%42.11%39.34%38.47%30.46%78.90%36.95%34.17%26.55%25.64%39.63%32.71%52.64%31.12%37.00%49.11%42.73%23.95%27.84%40.53%39.55%46.94%

Earnings

Report DateMar 31, 1998Jun 30, 1998Sep 30, 1998Mar 31, 1999Jun 30, 1999Sep 30, 1999Mar 31, 2000Jun 30, 2000Sep 30, 2000Mar 31, 2001Jun 30, 2001Sep 30, 2001Dec 31, 2001Mar 31, 2002Jun 30, 2002Sep 30, 2002Dec 31, 2002Mar 31, 2003Jun 30, 2003Sep 30, 2003Dec 31, 2003Mar 31, 2004Jun 30, 2004Sep 30, 2004Dec 31, 2004Mar 31, 2005Jun 30, 2005Sep 30, 2005Dec 31, 2005Mar 31, 2006Jun 30, 2006Sep 30, 2006Dec 31, 2006Mar 31, 2007Jul 30, 2007Nov 1, 2007Feb 1, 2008May 1, 2008Jul 25, 2008Oct 31, 2008Feb 3, 2009Apr 29, 2009Jul 29, 2009Oct 26, 2009Feb 1, 2010Apr 30, 2010Aug 2, 2010Oct 29, 2010Jan 31, 2011Apr 28, 2011Jul 28, 2011Oct 26, 2011Jan 31, 2012Apr 25, 2012Jul 26, 2012Oct 25, 2012Jan 31, 2013Apr 29, 2013Jul 30, 2013Oct 29, 2013Feb 3, 2014Apr 29, 2014Jul 30, 2014Oct 30, 2014Feb 2, 2015Apr 29, 2015Jul 29, 2015Oct 29, 2015Jan 28, 2016Apr 28, 2016Jul 28, 2016Oct 27, 2016Feb 8, 2017May 4, 2017Jul 27, 2017Oct 19, 2017Jan 25, 2018Apr 19, 2018Jul 19, 2018Oct 18, 2018Jan 25, 2019Apr 18, 2019Aug 5, 2019Nov 4, 2019Mar 10, 2020May 8, 2020Aug 4, 2020Nov 5, 2020Mar 10, 2021May 5, 2021Jul 21, 2021Oct 21, 2021Jan 20, 2022May 5, 2022Jul 21, 2022Oct 19, 2022Jan 19, 2023Apr 20, 2023Jul 20, 2023Oct 17, 2023Jan 23, 2024Apr 18, 2024Jul 18, 2024Oct 22, 2024Jan 23, 2025Apr 17, 2025Jul 22, 2025Oct 21, 2025Jan 22, 2026Apr 21, 2026Jul 21, 2026Oct 20, 2026
EPS Estimate------------------------------------------0.340.350.370.290.340.330.320.270.360.340.310.320.370.360.360.340.370.370.330.350.380.410.390.390.400.420.390.410.420.46-----------------0.680.590.630.670.660.700.750.820.800.680.670.670.650.660.680.690.680.690.830.880.860.920.93
EPS Actual0.210.200.210.170.200.220.170.130.150.140.050.160.110.160.150.160.180.180.190.170.180.200.110.270.210.170.240.260.240.220.230.280.250.190.260.310.260.280.300.350.350.370.380.420.230.280.320.330.240.330.320.340.270.360.350.380.320.360.360.400.360.420.430.430.350.430.430.430.380.480.470.390.280.290.420.560.680.500.550.580.490.470.390.320.560.500.550.610.620.680.630.730.680.620.700.760.830.860.710.730.680.660.660.800.720.680.700.950.930.880.92-
Surprise------------------------------------------11.76%20.00%-37.84%-3.45%-5.88%0.00%-25.00%22.22%-11.11%0.00%-12.90%12.50%-5.41%5.56%-11.11%5.88%-2.70%8.11%9.09%20.00%13.16%4.88%-10.26%10.26%7.50%2.38%-2.56%17.07%11.90%-15.22%-----------------0.00%6.78%15.87%1.49%-6.06%0.00%1.33%1.22%7.50%4.41%8.96%1.49%1.54%0.00%17.65%4.35%0.00%1.45%14.46%5.68%2.33%0.00%-
Timing--------------------------------------------After-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hours-----After-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hours

Key Statistics & Ratios

Market Cap666.12M
Enterprise Value850.27M
Trailing P/E13.33
Forward P/E12.12
PEG Ratio0.00
Price / Sales3.55
Price / Book1.22
EPS2.98
Book Value32.80
Revenue (TTM)187.39M
Gross Profit (TTM)187.39M
Profit Margin26.35%
Operating Margin41.94%
Return on Equity9.70%
Return on Assets1.12%
Shares Outstanding16.77M
Shares Float16.21M
Beta0.59
Dividend Yield3.35%
Dividend Rate1.32
Payout Ratio35.87%

Analyst Ratings

Hold
Based on 2 analystsTarget 41.00
  • Hold
    2

Dividends

20263×
0.34Aug 20, 20260.34May 21, 20260.32Feb 20, 2026
20254×
0.32Nov 20, 20250.32Aug 14, 20250.32May 15, 20250.30Feb 20, 2025
20244×
0.30Nov 14, 20240.30Aug 15, 20240.30May 15, 20240.28Feb 14, 2024
20234×
0.28Nov 15, 20230.28Aug 15, 20230.28May 15, 20230.26Feb 15, 2023
20224×
0.26Nov 15, 20220.26Aug 15, 20220.26May 16, 20220.24Feb 16, 2022
20214×
0.24Nov 16, 20210.24Aug 16, 20210.24May 17, 20210.22Feb 17, 2021
20201×
0.22Nov 17, 2020

Stock Splits

  • Mar 22, 20173:2
  • May 20, 20143:2
  • Jan 26, 19992:1