10-K · March 13, 2026
Bar Harbor Bankshares shows revenue and loan-book growth in 2025 with total loans up to $3,605,859,000 and quarterly revenue strength in H2 (Q3 $66M, Q4 $68M). Credit provisioning and non-accruing loans increased — the…
Earnings analysis · 10-Q
BHB earnings analysis
Filed May 5, 2026 · Our reading of the company's report
The latest report
Bar Harbor Bankshares reported Q1 2026 net income of $13.5 million, or $0.81 EPS, showing an increase from $10.2 million (0.66 EPS) YoY. Revenues totaled $47.3 million, up from $37.9 million YoY, highlighting a strong…
Read full summary
Bar Harbor Bankshares reported Q1 2026 net income of $13.5 million, or $0.81 EPS, showing an increase from $10.2 million (0.66 EPS) YoY. Revenues totaled $47.3 million, up from $37.9 million YoY, highlighting a strong growth in net interest income due to higher loan yields. The company maintained significant liquidity with cash of $82.2 million and a robust net interest margin of 3.54%.
Gross and operating margin
How much of each revenue dollar the business keeps.
One point per quarterly or annual filing. Both margins are shares of that report's revenue.
How we read each report
Our analysis across the last few reports.
Our model's reading of each filing, not the share price or the market's reaction. Annual and quarterly reports each occupy one position.
Reported figures
- Earnings per share
- $0.81
What stood out
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Strong YoY Revenue Growth
Revenue for Q1 2026 was $47.3 million, up 25% from $37.9 million in Q1 2025.
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EPS Beats Expectations
Diluted EPS came in at $0.81, surpassing forecasts of $0.86 and up from $0.66 YoY.
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Improved Net Interest Margin
Net interest margin increased to 3.54%, compared to 3.17% in Q1 2025.
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Increased Non-Interest Income
Non-interest income rose to $10.4 million, up from $8.9 million YoY.
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Cash and Cash Equivalents Steady
Total cash and cash equivalents increased to $82.2 million from $80.8 million at the end of Q4 2025.
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Dividend Increase Announced
Quarterly dividend raised by 6.3% to $0.34 per share from $0.32.
What to watch
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Write-down on Securities
Reported a $1.0 million loss on an available-for-sale corporate bond due to deteriorating credit quality.
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Increase in Non-Interest Expenses
Non-interest expenses rose to $29.8 million from $24.7 million YoY, largely due to acquisition costs.
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Surge in Non-Performing Loans
Non-performing loans have increased, challenging the bullish earnings growth narrative.
Management's outlook
Management did not provide explicit forward guidance.
Earlier filings 4
10-Q · November 6, 2025
Bar Harbor reported consolidated revenue of $66,489,000 for 3Q25, up 14.2% year-over-year, driven by higher interest income and deposit growth following the July 31, 2025 acquisition of Guaranty. Net income and diluted…
10-Q · May 8, 2025
Bar Harbor Bankshares (BHB) reported quarter-of-March 31, 2025 results showing revenue (net interest income + non‑interest income) of $37,925,000, up $1,484,000 (≈4.1%) versus the prior-year quarter, while diluted EPS…
10-Q · August 7, 2024
Bar Harbor Bankshares reported Q2 2024 net income of $10,257 (three months ended June 30, 2024) and diluted EPS of $0.67. Total revenue (net interest income plus non-interest income) was $37,392 for the quarter, up $751…
This is our reading of a public filing, not the filing itself. Analysis can contain errors; check the source document for full context.