MARKETS / NYSE / BHB

NYSE · STATE COMMERCIAL BANKS · MID CAP

BAR Harbor Bankshares BHB

17 fiscal years on record · USD · FY2025 reported · SEC filings only

8 YEARS OF DIVIDEND GROWTH

Net income

$36.9M

▼ 15.2% YoY

Free cash flow

$43.5M

▼ 3.4% YoY

In brief

What this company does

We offer a variety of financial products and services designed around our customers in order to serve their banking and financial needs. We serve established and growing markets in Maine, New Hampshire, and Vermont with more than 48 thousand, 73 thousand, and 23 thousand customers, respectively in those states. We have 22 full-service branches in operation and two wealth management offices principally located in the regions of downeast, midcoast, and central Maine, which are generally characterized as rural areas. Bar Harbor Bankshares is a legal entity separate and distinct from its first-tier bank subsidiary, Bar Harbor Bank & Trust, and its second-tier subsidiaries, Bar Harbor Wealth Management (“BHWM”) and Cottage Street Corporation.

Written from the business description in Bar Harbor Bankshares's annual report to the U.S. Securities and Exchange Commission, filed 13 March 2026. Every sentence was checked against that document before publication.

Growth

—

Revenue, FY2025 · full 17-year series below

Revenue $M Net income $M

FY2022 · Revenue 29.4 · Net income 43.6

Compound annual growth

Revenue

+9.8%

Net income

−5.4%

+2.1%

+9.3%

+8.6%

EPS, diluted

−7.1%

+1.2%

Dividend / share

+7.3%

+7.4%

Returned to shareholders

+10.0%

−5.4%

+12.9%

+11.3%

3 yrs

5 yrs

10 yrs

15 yrs

Compound annual rates per period — left blank where that exact year isn't on file, the series crosses a loss, or (per-share rows) a split falls inside the window.

Profitability

—

Operating margin Net margin

FY2022 · Operating 186.8% · Net 148.3%

ROE

FY2025 · ROE 7.5%

Gross margin—

Operating margin—

Net margin—

Return on assets0.8%

EBITDAUSD 50.2M

Each USD of equity produced 7 cents of profit this year.

Cash & shareholders

USD 20.4M

returned in FY2025 · dividends + net buybacks

Free cash flow $M

FY2025 · FCF 43.5

Net buybacks $M Dividends $M

FY2025 · Dividends 20.4 · Net buybacks —

Dividends paidUSD 20.4M

Net buybacks—

Share of profit55.3%

Consecutive raises8 years (since the 2017 share-count change)

USD 20.4M in dividends — 55% of the year's profit went back to shareholders.

Total assetsUSD 4.7B

EquityUSD 532.5M

CashUSD 80.8M

Gross debtUSD 269.6M

Net debtUSD 188.8M

DepositsUSD 3.8B

Net debt stands at 35% of equity.

The 17-year record

17 fiscal years

Every figure from documents filed with the SEC · USD

EPS, diluted, dividend per share and shares outstanding are shown without shading, and a vertical line marks the year the share count changed — the series crosses a large, unexplained change in share count, so the years on either side are not on a comparable scale.

row low → row highnegative

Metric	2025	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010	2009
Revenue $B	·	·	·	0.0	0.0	0.0	0.0	0.0	·	·	·	·	·	·	·	·	·
Operating income $B	0.0	0.1	0.1	0.1	0.0	0.0	0.0	·	·	·	·	·	·	·	·	·	·
EBITDA $B	0.1	0.1	0.1	0.1	0.1	0.0	0.0	·	·	·	·	·	·	·	·	·	·
Income tax $B	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0
Net income $B	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0
Free cash flow $B	0.0	0.0	0.0	0.1	0.1	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0
EPS, diluted $	2.31	2.84	2.95	2.88	2.61	2.18	1.45	2.12	1.70	1.63	1.67	2.45	2.22	2.12	2.85	2.61	3.12
Dividend / sh $	1.26	1.18	1.10	1.02	0.94	0.88	0.86	0.79	0.75	0.73	0.67	0.91	0.83	0.78	1.09	1.04	1.04
Payout %	55	41	37	35	36	40	59	37	44	44	40	37	37	37	38	38	37
ROE %	7.5	9.8	10.9	10.7	9.5	8.3	5.9	9.1	10.2	9.6	10.1	10.9	10.6	10.1	10.0	9.8	11.6
Shares out B	0.02	0.02	0.02	0.02	0.02	·	·	·	·	·	·	·	·	·	·	·	·

Slide the table for earlier years · "·" marks a figure not available in our data for that year.

Provenance

Company facts, as filed

How we verify · 0 failures in 50 reconciliationsAUDITED

Reconciled in 18 of 19 fiscal years. 7 checks could not be computed.

EPS recomputationBalance-sheet identityGross profitBalance-sheet liquiditymoeda_consistente0 failures

ActivityState Commercial Banks

Listed onNYSE

Incorporated inMaine

Fiscal year endsDecember 31

Data on record since2008