profit from every $100 of sales.
$0$100
Bar Harbor Bankshares
$41.39-0.34% today
+39.1% in 1 year
1-year low $28.901-year high $42.51
Trading close to its highest price of the past year.
The essentials
Four questions every investor asks, answered in one line each.
more sales each year, on average, 2022 to 2025.
0%20% a year
You pay $18.80 for every $1 of profit it makes in a year.
CheapExpensive
Not measured for banks and insurers: deposits and policy reserves count as debt, so the usual debt test says nothing about them.
Money in, money out
What Bar Harbor Bankshares sold, what it kept, and what it did with the cash.
Sales went from $148 million in 2022 to $168 million in 2025, with $36.9 million of profit last year.
SalesProfit
Bar Harbor Bankshares handed back 47% of the cash it generated last year.
$20M
Free cash flow 2025$43M
Bought back its own shares–
Paid as dividends$20M
Cash vs. debt$81M vs. $270M
Bar Harbor Bankshares vs. similar companies
Bar Harbor Bankshares grows in the middle of these 5 and is the most expensive for its profits.
| Company | Profit from $100 of sales | Sales growth a year | Price per $1 of profit |
|---|---|---|---|
| Bar Harbor Bankshares | 18.8× · Fair price | ||
 China Merchants Bank | 7.7× · Cheap | ||
 DBS Group Holdings | 18.5× · Fair price | ||
 UniCredit | 11.5× · Cheap | ||
 HDFC Bank | 18.6× · Fair price |
AI analysis
An AI analyst reads Bar Harbor Bankshares's last five years, its segments, earnings, insiders and peers, and writes the bull case, the bear case and what the price expects.
Run the AI analysisFull statementsIncome, balance sheet and cash flow, year by year
Income statement
| In millions of USD | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| 148 | 153 | 150 | 168 | |
| – | – | – | – | |
| – | – | – | – | |
| – | – | – | – | |
| 44 | 45 | 44 | 37 | |
| 2.88 | 2.95 | 2.84 | 2.31 | |
| – | – | – | – | |
| – | – | – | – | |
| 29.4% | 29.4% | 29.1% | 21.9% |
Balance sheet
| In millions of USD | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| Total assets | 3,910 | 3,971 | 4,083 | 4,684 |
| Cash | 92 | 95 | 72 | 81 |
| Total debt | 394 | 302 | 291 | 270 |
| Total liabilities | 3,516 | 3,539 | 3,625 | 4,151 |
| 393 | 432 | 458 | 533 | |
| 15 | 15 | 15 | 16 | |
| – | – | – | – | |
| 11.1% | 10.4% | 9.5% | 6.9% |
Cash flow
| In millions of USD | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| 56 | 47 | 52 | 48 | |
| 3 | 7 | 7 | 5 | |
| 53 | 41 | 45 | 43 | |
| Dividends paid | 15 | 17 | 18 | 20 |
| 0 | – | – | – | |
| 2 | 3 | 3 | 3 |
This is a bank or insurer, so cash-flow and debt ratios are left out: borrowing and lending is the business itself. Price to book and return on equity are the measures that matter here.
Valuation
- 18.8×
- 11.4×
- –
- 1.0×
- 4.1×
- 5.3%
- 3.8%
Profitability
- 21.9%
- 4.0%
- 5.7%
- 7.8%
- 0.9%
Growth
- +4.3%
- −7.1%
- +7.4%
- +2.8%
How it ranks in Financial Services
Each dot is where the company stands among every company over $300M in the sector. Further right is better.
Bottom 49%of 827
Bottom 34%of 709
Bottom 30%of 876
Bottom 34%of 879
Top 49%of 926
What analysts expect
- Average price target
- $38.00
- Range
- $38.00 – $38.00
These targets were collected on May 20, 2026 and our analyst feed has not updated since, so we no longer compare them with today's price.
Recent earnings
Our results feed has not updated since May 21, 2026. Results reported after that are not in this table yet.
| Date | EPS | Expected | Surprise |
|---|---|---|---|
| Apr 21, 2026 | 0.88 | 0.87 | +1.1% |
| Jan 22, 2026 | 0.93 | 0.89 | +4.5% |
| Oct 21, 2025 | 0.95 | 0.83 | +14.5% |
| Jul 22, 2025 | 0.70 | 0.70 | +0.0% |
| Apr 17, 2025 | 0.68 | 0.68 | +0.7% |
| Mar 11, 2025 | 0.72 | – | – |
| Oct 22, 2024 | 0.80 | 0.68 | +17.6% |
| Jul 18, 2024 | 0.67 | 0.65 | +3.1% |
3.8%of the share price, paid each year
On $1,000 invested$38a year at today's yield, before tax
+7.4%2020 to 2025
Raised10 yearsin a row, in our data
Paid per share, each year
$0.67 in 2015 → $1.26 in 2025
How safe it looks
55.3% of its profit
Room to growStretchedMore than it earns: 46.9%
News
No recent news on file.
Insider trades
Our insider feed has not updated since May 26, 2026. Trades filed after that are not listed yet.
No insider trades on file.
The seven classic investing rulebooks
1/7Passes 1 of 7. Each bar is how well the company fits that investor's published rules, from 0 to 100; 60 or more counts as a pass.
Warren Buffett
49No pass
Benjamin Graham
66Pass
Philip Fisher
50No pass
Peter Lynch
33No pass
Joel Greenblatt
12No pass
Charlie Munger
42No pass
Terry Smith
43No pass
Questions about Bar Harbor Bankshares
Is Bar Harbor Bankshares a good stock to buy?
A strong, very profitable business at a fair price. 1 of the 7 famous investors' published rulebooks we apply pass it. Whether it suits you depends on your goals and the price you pay; invest-like never tells anyone to buy or sell. The AI analysis lays out the case for and against. Read the Bar Harbor Bankshares AI analysis
What does Bar Harbor Bankshares do?
Bar Harbor Bankshares operates as the holding company for Bar Harbor Bank & Trust that provides commercial, lending, retail, and wealth management banking services. It is in Banks - Regional.
Does Bar Harbor Bankshares pay a dividend?
Yes. At today's price the dividend is 3.8% a year, about 55% of its yearly profit. In 2025 it paid out $20.4 million in dividends.
Is Bar Harbor Bankshares stock halal?
No. Bar Harbor Bankshares does not pass our halal screen: its main business, banking, is not permitted. How we check
How has Bar Harbor Bankshares stock done over the past year?
Up 39.1% over the past twelve months, to $41.39. It traded between $28.90 and $42.51 and is 2.6% below its high.
Who are Bar Harbor Bankshares's competitors?
The largest listed companies in the same industry are China Merchants Bank, DBS Group Holdings, UniCredit and HDFC Bank. The peers table on this page compares their profit, growth and price with Bar Harbor Bankshares's.
Prices: daily closes to Nov 12, 2026. Fundamentals: company reports via invest-like data.