Bar Harbor Bankshares (New York Stock Exchange Arca:BHB)
Insiders here have filed 8 Form 4s in the last 90 days, but all of them are share awards, grants or other non-market transactions. Those are compensation, not a decision to buy, so they are not scored.
Keeps a healthy share of every dollar it sells.
- Revenue
- $231.2M
- Net income
- $56.6M
- Net margin
- 24.5%
Little or no net debt.
- Total debt
- $157.4M
- Cash
- $74.8M
- Net debt / EBITDA
- 0.95x
Owes more within a year than it holds to pay it.
- Current assets
- $666.9M
- Current liabilities
- $4.06B
- Current ratio
- 0.16
The business funds itself from operations.
- Operating cash flow
- $64.1M
- Free cash flow
- $57.9M
- FCF margin
- 25.0%
Not funding itself by issuing shares.
- Shares outstanding
- 16.8M
- Share growth (1y)
- 3.3%
Five pillars — profitability, leverage, liquidity, cash generation, dilution & runway — each scored 0–20 from the company’s own income statement, balance sheet and cash-flow statement, then scaled to 100. A pillar the statements cannot answer is left out rather than guessed; fewer than three and no score is shown.
BHB Income Statement
| Fiscal Period | Q3 2026 | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 |
|---|---|---|---|---|---|---|
| Period Ending | Sep 30, 2026 | Jun 30, 2026 | Mar 31, 2026 | Dec 31, 2025 | Sep 30, 2025 | Jun 30, 2025 |
| Revenue | 69.24 M | 39.03 M | 55.25 M | 67.70 M | 66.49 M | 53.33 M |
| Revenue Growth (YoY) | 4.14 % | -26.83 % | -1.02 % | 21.53 % | 14.18 % | -5.26 % |
| Cost of Revenue | 17.51 M | 19.24 M | 18.38 M | 18.75 M | 22.86 M | 19.32 M |
| Gross Profit | 51.73 M | 19.79 M | 36.87 M | 48.94 M | 43.63 M | 34.01 M |
| SG&A Expense | 21.50 M | 21.13 M | 28.11 M | 27.16 M | 17.06 M | 15.42 M |
| R&D Expense | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Operating Expenses | 31.37 M | 570.00 K | 30.13 M | 33.80 M | 32.59 M | 26.54 M |
| Operating Income | 20.36 M | 19.22 M | 6.74 M | 15.14 M | 11.04 M | 7.47 M |
| Pretax Income | 20.36 M | 19.22 M | 17.15 M | 14.73 M | 11.04 M | 7.47 M |
| Tax Provision | 4.27 M | 4.00 M | 3.62 M | 2.97 M | 2.18 M | 1.38 M |
| Net Income | 16.09 M | 15.22 M | 13.54 M | 11.76 M | 8.86 M | 6.09 M |
| EPS (Basic) | 0.96 | 0.91 | 0.81 | 0.70 | 0.55 | 0.40 |
| EPS (Diluted) | 0.96 | 0.91 | 0.81 | 0.70 | 0.54 | 0.40 |
| Shares Outstanding | 16.77 M | 16.75 M | 16.73 M | 16.70 M | 16.23 M | 15.32 M |
Quarterly figures; YoY compares the same fiscal quarter a year earlier. Source: public market data.