← BAR HARBOR BANKSHARES BHB
Market Price
$40.59
Market Cap
$681.57M
P/E Ratio
17.57
Revenue (FY 2025)
↑18.1% YoY
$134.48M
3-Yr CAGR: 66.1%
Net Income
↓-15.2% YoY
$36.92M
Net Margin: 27.5%
Free Cash Flow
↓-3.4% YoY
$43.47M
FCF Yield: 6.38%
EPS (Diluted)
↓-18.7% YoY
$2.31
Basic: $2.32
Return on Equity
Efficiency
6.9%
ROA: 225.0%
📊 Multi-Year Historical Performance & Trends
Financial Performance History
Revenue, Net Income & Free Cash Flow
Margins Trend (%)
Gross, Operating & Net Margins
Balance Sheet Strength
Cash, Debt & Equity
Cash Flow Generation
Operating Cash Flow vs CapEx vs FCF
📈 Year-over-Year (YoY) Growth History (BHB)
All monetary values in millions ($M)
⚠️ YoY Data Quality Alert
- FY 2019: Revenue YoY (+3.1%) is identical to Gross Profit YoY (+3.1%). Verify the underlying Revenue and Gross Profit values for FY 2019 and FY 2018.
- FY 2020: Revenue YoY (+11.3%) is identical to Gross Profit YoY (+11.3%). Verify the underlying Revenue and Gross Profit values for FY 2020 and FY 2019.
| Fiscal Year | Revenue | Revenue YoY | Gross Profit | Net Income | Net Inc YoY | Diluted EPS | EPS YoY | Op. Cash Flow | Free Cash Flow | FCF YoY |
|---|---|---|---|---|---|---|---|---|---|---|
| FY 2016 | $45.4M | — | $33.3M | $14.9M | — | $2.45 | — | $16.8M | $12.5M | — |
| FY 2017 | $92.2M | +103.1% | $68.2M | $26.0M | +74.1% | $1.70 | -30.6% | $40.1M | $37.0M | +195.9% |
| FY 2018 | $21.5M | -76.6% | $21.5M | $32.9M | +26.7% | $2.12 | +24.7% | $37.7M | $32.9M | -10.9% |
| FY 2019 | $22.2M | +3.1% | $22.2M | $22.6M | -31.3% | $1.45 | -31.6% | $36.4M | $27.2M | -17.3% |
| FY 2020 | $24.7M | +11.3% | $24.7M | $33.2M | +47.0% | $2.18 | +50.3% | $38.2M | $31.4M | +15.4% |
| FY 2021 | $28.4M | +14.9% | $13.2M | $39.3M | +18.2% | $2.61 | +19.7% | $60.5M | $58.8M | +87.2% |
| FY 2022 | $29.4M | +3.4% | $16.5M | $43.6M | +10.8% | $2.88 | +10.3% | $57.6M | $55.1M | -6.3% |
| FY 2023 | $117.7M | +300.7% | $61.2M | $44.9M | +3.0% | $2.95 | +2.4% | $47.4M | $40.9M | -25.8% |
| FY 2024 | $113.8M | -3.3% | $39.0M | $43.5M | -2.9% | $2.84 | -3.7% | $52.4M | $45.0M | +10.0% |
| FY 2025 | $134.5M | +18.1% | $59.4M | $36.9M | -15.2% | $2.31 | -18.7% | $48.3M | $43.5M | -3.4% |
Valuation
Market Price
$40.59
Market Cap
$681.57M
Enterprise Value
$735.57M
P/E Ratio
17.57
P/B Ratio
1.28
FCF Yield
6.38%
Dividend Yield
3.10%
Shares Outstanding
Profitability & Margins
Gross Margin
44.20%
Operating Margin
34.21%
Net Margin
27.45%
Return on Equity (ROE)
6.93%
Return on Assets (ROA)
225.02%
Asset Turnover
8.20x
Revenue 3-Yr CAGR
66.07%
Financial Health & Liquidity
Current Ratio
N/A
Cash Ratio
N/A
Debt / Equity
0.253
Debt / Assets
8.219
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
35.90%
FCF / Revenue
32.32%
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
$16.41M
Total Liabilities
$4.15B
Stockholders' Equity
$532.54M
Current Assets
N/A
Current Liabilities
N/A