BHB

Bar Harbor Bankshares

$29.1

0.61

(2.14%)

Exchange:	AMEX
Market Cap:	445.864M
Shares Outstanding:	7.711M

Overview

Earnings

Financials

Valuation

Chart

About The Company

Bar Harbor Bankshares operates as the holding company for Bar Harbor Bank & Trust that provides commercial, lending, retail, and wealth management banking services. It accepts various 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. The company also provides commercial real estate loans, such as multi-family, commercial construction and land development, and other commercial real estate classes; commercial and industrial loans, including loans to commercial and agricultural businesses, and tax exempt entities; residential real estate loans consists of mortgages for 1-4 family housing; and consumer loans comprises home equity loans, lines of credit, auto, and other installment lending. In addition, it provides life insurance, annuity, and retirement products, as well as financial planning services; and third-party investment and insurance services. Further, the company offers trust and estate administration, wealth advisory, and investment management services to individuals, businesses, not-for-profit organizations, and municipalities; and 401K plan, financial, estate and charitable planning, investment management, family office, municipal, and tax services. It operates 53 locations across Maine, New Hampshire, and Vermont. The company was founded in 1887 and is based in Bar Harbor, Maine.

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Revenue Segmentation

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EPS

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Earnings Call

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Income Statement

Balance Sheet

Cash Flow Statement

Analyst Estimates

Income Statement

(* All numbers are in thousands)

	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024
? Revenue	53,813	57,228	118,137	118,818	118,879	142,136	137,834	149,002	150,414	188,724
? Cost Of Revenue	452	0	0	0	0	0	0	0	0	0
? Gross Profit	53,361	57,228	118,137	118,818	118,879	142,136	137,834	149,002	150,414	188,724
? Research And Development Expenses	0	0	0	0	0	0	0	0	0	0
? General And Administrative Expenses	18,717	20,580	43,878	44,176	47,639	51,797	49,972	48,657	52,516	0
? Selling And Marketing Expenses	0	0	945	1,743	1,872	1,385	1,541	1,561	1,696	2,014
? Operating Expenses	43,000	49,000	99,000	115,000	-92,050	-100,485	-89,206	1,561	75,750	2,014
? Net Interest Income	0	0	0	0	0	0	0	0	0	0
? Interest Income	55,224	56,619	116,069	127,451	135,391	126,104	110,804	126,526	174,182	0
? Interest Expense	10,390	12,113	23,914	36,568	45,581	26,924	15,231	12,845	56,507	74,885
? Depreciation And Amortization	1,802	1,643	4,365	4,532	4,997	5,795	5,536	5,175	6,313	0
? EBITDA	22,922	22,452	43,094	45,031	31,843.999	47,447	55,228	61,216	0	0
? EBIT
? Operating Income	31,510	32,922	70,182	77,067	26,829	41,651	48,628	71,933	74,664	186,710
? Income Before Tax	21,120	20,809	42,623	40,499	26,829	41,651	48,628	54,845	57,117	52,614
? Income Tax Expense	5,967	5,876	16,630	7,562	4,209	8,407	9,329	11,288	12,265	9,070
? Net Income From Continuing Operations
? Net Income	15,153	14,933	25,993	32,937	22,620	33,244	39,299	43,557	44,852	43,544
? EPS (Earnings Per Share)	1.690	1.650	1.710	2.130	1.460	2.180	2.630	2.900	2.960	2.860
? EPS Diluted	1.670	1.630	1.700	2.120	1.450	2.180	2.610	2.880	2.950	2.840
? Weighted Average Shares Outstanding	8,970.367	9,068.623	15,184	15,488	15,540.884	15,245.728	14,968.973	15,040.162	15,142.188	15,240
? Weighted Average Shares Outstanding Diluted	9,090.385	9,142.653	15,290	15,564	15,586.993	15,271.547	15,045.162	15,111.961	15,195.236	15,311
	USD	USD	USD	USD	USD	USD	USD	USD	USD	USD

Balance Sheet

(* All numbers are in thousands)

	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024
? Cash And Cash Equivalents	9,720	8,439	90,685	98,754	56,910	226,007	250,389	92,295	94,842	34,266
? Short Term Investments	504,969	528,856	717,242	725,837	663,230	585,046	618,276	559,516	534,574	520,450
? Cash And Short Term Investments	514,689	537,295	807,927	824,591	720,140	811,053	868,665	651,811	576,795	555,284
? Net Receivables	0	0	0	0	0	0	0	0	0	0
? Accounts Receivables										0
? Inventory	0	0	0	0	0	0	0	0	0	0
? Total Current Assets	514,689	537,295	846,032	860,250	720,140	811,053	868,665	651,811	576,795	555,284
? Property Plant Equipment Net	20,674	23,419	47,708	48,804	51,205	52,458	49,382	47,622	55,161	51,237
? Goodwill	4,935	4,935	100,085	100,085	118,649	119,477	119,477	119,477	119,477	119,477
? Intangible Assets	470	377	8,383	7,459	8,641	7,670	6,733	5,801	4,869	3,938
? Long Term Investments	504,969	528,856	717,242	725,837	663,230	585,046	618,276	559,516	534,574	568
? Total Non Current Assets	1,065,366	1,218,054	2,719,152	2,748,237	841,725	764,651	793,868	732,416	3,868,744	197,982
? Total Assets	1,580,055	1,755,349	3,565,184	3,608,487	3,669,128	3,725,762	3,709,233	3,909,803	3,970,885	4,083,327
? Account Payables	0	0	0	0	0	0	0	0	0	0
? Short Term Debt	313,000	394,480	0	0	348,118	93,455	94,802	331,369	270,765	249,712
? Deferred Revenue	0	0	0	0	0	0	0	0	0	0
? Total Current Liabilities	1,420,903	1,593,609	3,167,510	3,194,935	2,278,819	93,455	94,802	331,369	0	249,712
? Long Term Debt	140,882	142,116	829,721	723,796	183,198	242,568	178,524	62,877	60,740	40,889
? Deferred Revenue Non Current	0	-2,442	-5,965	-5,894	0	0	0	0	0	0
? Deferred Tax Liabilities Non Current	0	2,442	5,965	5,894	0	0	0	0	0	0
? Total Non Current Liabilities	5,000	5,000	43,033	42,973	531,316	336,023	178,524	331,369	3,538,826	40,889
? Total Liabilities	1,425,903	1,598,609	3,210,543	3,237,908	531,316	3,314,421	3,285,086	3,516,353	3,538,826	3,624,899
? Treasury Stock										-15,357
? Preferred Stock	0	0	0	0	0	0	0	0	0	0
? Common Stock	13,577	13,577	32,857	32,857	32,857	32,857	32,857	32,857	32,857	0
? Retained Earnings	122,260	130,489	144,977	166,526	175,780	195,607	215,592	243,815	272,101	0
? Additional Paid In Capital										0
? Total Stockholders Equity	154,152	156,740	354,641	370,579	396,407	411,341	424,147	393,450	432,059	458,428
? Total Equity	154,152	156,740	354,641	370,579	396,407	411,341	424,147	393,450	432,059	458,428
? Minority Interest	0	0	0	0	0	0	0	0	0	0
? Total Liabilities And Total Equity	1,580,055	1,755,349	3,565,184	3,608,487	3,669,128	3,725,762	3,709,233	3,909,803	3,970,885	4,083,327
? Total Investments	1,009,938	1,057,712	1,434,484	1,451,674	1,326,460	1,170,092	1,236,552	1,119,032	1,069,148	521,018
? Total Debt	453,882	536,596	829,721	723,796	531,316	336,023	178,524	725,615	331,505	290,601
? Net Debt	444,162	528,157	739,036	625,042	474,406	110,016	-71,865	633,320	236,663	218,439
	USD	USD	USD	USD	USD	USD	USD	USD	USD	USD

Cash Flow Statement

(* All numbers are in thousands)

	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024
? Net Income	15,153	14,933	25,993	32,937	22,620	33,244	39,299	43,557	44,852	43,544
? Depreciation And Amortization	1,802	1,643	4,365	4,532	4,997	5,796	5,536	5,175	6,313	3,416
? Deferred Income Tax	142	470	6,886	-443	1,101	-38	427	-707	-686	-366
? Stock Based Compensation	711	1,114	1,274	1,346	1,373	1,570	2,149	1,938	2,650	3,292
? Change In Working Capital	359	-553	-654	-2,366	7,121	-2,681	-382	-1,785	-6,178	1,250
? Accounts Receivables	0	0	0	0	0	0	0	0	0	0
? Inventory	0	0	0	0	0	0	0	0	0	0
? Accounts Payables	0	0	0	0	0	0	0	0	0	0
? Net Cash Provided By Operating Activities	20,331	16,791	40,132	37,722	36,403	38,173	60,478	57,601	47,403	52,371
? Investments In Property Plant And Equipment	-1,866	-4,296	-3,157	-4,793	-9,185	-6,776	-1,716	-2,518	-6,533	0
? Acquisitions Net	0	-138,993	39,537	-5,158	-18,383	-340	34,603	0	0	0
? Purchases Of Investments	-168,432	-210,824	-172,116	-147,348	-129,211	-218,317	-250,905	-110,711	-7,521	-53,496
? Sales Maturities Of Investments	129,554	175,960	123,182	124,736	207,649	305,029	204,275	80,870	42,184	64,391
? Net Cash Provided By Investing Activities	0	0	0	0	0	0	0	0	0	-141,885
? Net Debt Issuance	0	0	0	0	0	0	0	0	0	-40,904
? Long Term Net Debt Issuance	0	0	0	0	0	0	0	0	0	-19,851
? Short Term Net Debt Issuance	0	0	0	0	0	0	0	0	0	-21,053
? Net Stock Issuance	0	0	0	0	0	0	0	0	0	0
? Net Dividends Paid	-6,040	-6,577	-11,505	-12,184	-13,366	-13,417	-14,072	-15,334	-16,565.999	-17,788
? Common Dividends Paid										-17,788
? Preferred Dividends Paid	0	0	0	0	0	0	0	0	0	0
? Net Cash Provided By Financing Activities	107,572	163,814	201,120	14,311	6,734	-11,823	-30,034	194,885	17,434	66,834
? Effect Of Forex Changes On Cash	0	0	0	0	0	0	0	0	0	0
? Net Change In Cash	-80	-1,281	82,246	8,069	-41,844	169,097	24,382	-158,094	2,547	-22,680
? Cash At End Of Period	9,720	8,439	90,685	98,754	56,910	226,007	250,389	92,295	94,842	72,162
? Cash At Beginning Of Period	9,800	9,720	8,439	90,685	98,754	56,910	226,007	250,389	92,295	94,842
? Operating Cash Flow	20,331	16,791	40,132	37,722	36,403	38,173	60,478	57,601	47,403	52,371
? Capital Expenditure	-1,866	-4,296	-3,157	-4,793	-9,185	-6,776	-1,716	-2,518	-6,533	0
? Free Cash Flow	18,465	12,495	36,975	32,929	27,218	31,397	58,762	55,083	40,870	52,371
	USD	USD	USD	USD	USD	USD	USD	USD	USD	USD

Analyst Estimates

(* All numbers are in thousands)

Fiscal Year	2014	2015	2016	2017	2021	2022	2023	2024	2025	2026
Estimated Revenue (Low)	39,012.230	55,900	60,600	121,400	135,800	135,353.901	142,507.519	141,563.957	150,242.499	157,146.180
Estimated Revenue (High)	58,518.346	55,900	60,600	121,400	135,800	163,440.098	164,690.480	163,600.042	173,629.500	181,607.819
Estimated Revenue (Avg)	48,765.288	55,900	60,600	121,400	135,800	149,397	153,599	152,582	161,936	169,377
Estimated Ebitda (Low)	23,803.326	25,493.537	16,801.297	33,658.044	37,650.432	38,256.645	47,859.150	40,011.866	42,464.783	44,416.050
Estimated Ebitda (High)	35,704.989	38,240.308	16,801.297	33,658.044	37,650.432	46,194.974	71,788.729	46,240.180	49,074.923	51,329.928
Estimated Ebitda (Avg)	29,754.158	31,866.923	16,801.297	33,658.044	37,650.432	42,225.810	59,823.940	43,126.023	45,769.853	47,872.989
Estimated Net Income (Low)	10,785.505	11,590.914	25,426.645	30,390.474	41,179.092	38,681.451	35,881.600	38,499.512	39,262.612	40,441.865
Estimated Net Income (High)	16,178.258	17,386.371	25,426.645	30,390.474	41,179.092	49,450.923	53,822.399	46,476.543	47,397.653	48,821.270
Estimated Net Income (Avg)	13,481.882	14,488.643	25,426.645	30,390.474	41,179.092	44,066.187	44,852	43,544	43,427	44,712
Estimated SGA Expense (Low)	13,108.042	14,365.311	21,325.687	42,721.756	47,789.246	54,277.356	35,742.501	56,767.608	60,247.732	63,016.131
Estimated SGA Expense (High)	19,662.063	21,547.965	21,325.687	42,721.756	47,789.246	65,540.012	53,613.753	65,604.150	69,625.996	72,825.328
Estimated SGA Expense (Avg)	16,385.053	17,956.638	21,325.687	42,721.756	47,789.246	59,908.684	44,678.127	61,185.880	64,936.864	67,920.729
Estimated EPS (Avg)	1.840	1.600	1.670	2	2.710	2.900	2.950	2.770	2.830	2.920
Estimated EPS (High)	2.220	1.600	1.670	2	2.710	3.250	3.230	3.040	3.100	3.190
Estimated EPS (Low)	1.460	1.600	1.670	2	2.710	2.550	2.670	2.510	2.560	2.640
Number of Analysts (Estimated Revenue)	10	5	4	5	1	1	1	1	1	1
Number of Analysts (Estimated EPS)	10	4	5	4	1	1	1	1	1	1

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Current Key Metrics

?	Revenue (TTM) :	225.612M	?	P/S (TTM) :	2.19
?	Net Income (TTM) :	43.544M	?	P/E (TTM) :	9.99
?	Enterprise Value (TTM) :	677.12M	?	EV/FCF (TTM) :	13.14
?	Dividend Yield (TTM) :	0.04	?	Payout Ratio (TTM) :	0.41
?	ROE (TTM) :	0.1	?	ROIC (TTM) :	0
?	Net Debt (TTM) :	265.575M	?	Debt/Equity (TTM) :	0.51
?	P/B (TTM) :	0.93	?	Current Ratio (TTM) :	0

Forward P/E Ratios

?

Forward P/E calculated based on:

Forward P/E 1Y	Forward P/E 2Y	Forward P/E 3Y	Forward P/E 4Y	Forward P/E 5Y
15.82	18.19	17.43	14.55	10.74

SWOT Analysis

No SWOT analysis available for this stock.

BHB

2.14

2.46

0

-2.12

-6.97

17.2

36.17

Trading Metrics:

Open:	28.42	Previous Close:	28.49
Day Low:	28.42	Day High:	29.18
Year Low:	24.48	Year High:	38.47
Price Avg 50:	29.33	Price Avg 200:	31.21
Volume:	67266	Average Volume:	41015

Relevant news

12-02-2025 12:46

Why Bar Harbor Bankshares (BHB) is a Top Dividend Stock for Your Portfolio

BHB

Bar Harbor Bankshares

About The Company

Revenue Segmentation

EPS

Earnings Call

Income Statement

Balance Sheet

Cash Flow Statement

Analyst Estimates

Current Key Metrics

Forward P/E Ratios

SWOT Analysis

Relevant news

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