BHB - AMEX
Bar Harbor Bankshares
$34.29
-2.4%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.
At a Glance
Live SnapshotBar Harbor Bankshares Cash Conversion Engine
Cash Flow Quality Analysis
FCF Conversion Rate
Excellent cash generation. The company converts earnings to cash at or above 100%, indicating high-quality earnings.
CapEx Intensity
Asset-light business model. Low capital requirements leave more cash available for shareholders and growth investments.
FCF Growth Trend
Steady FCF growth indicates consistent cash generation improvement. On a positive trajectory.
Working Capital Impact
Working capital inflow boosted cash flow. Efficient management of receivables, inventory, and payables contributing positively.
Cash Flow Quality Insight
Asset-light with strong cash conversion: Low capital requirements combined with efficient cash generation creates significant shareholder value through dividends, buybacks, or strategic investments.
Bar Harbor Bankshares Cash Flow Statement
BHB • AMEX
| Bar Harbor Bankshares Cash Flow Statement | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 | Dec 2020 | Dec 2019 | Dec 2018 | Dec 2017 | Dec 2016 | Dec 2015 | Dec 2014 | Dec 2013 | Dec 2012 | Dec 2011 | Dec 2010 | Dec 2009 | Dec 2008 | Dec 2007 | Dec 2006 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
OPERATING ACTIVITIES | ||||||||||||||||||||
36.9M | 43.5M | 44.9M | 43.6M | 39.3M | 33.2M | 22.6M | 32.9M | 26M | 14.9M | 15.2M | 14.6M | 13.2M | 12.5M | 11M | 10.7M | 10.4M | 7.7M | 7.2M | 6.9M | |
1.1M | 3.4M | 6.3M | 6.4M | 6.6M | 5.8M | 5M | 4.5M | 4.4M | 1.6M | 1.8M | 1.7M | 1.6M | 1.3M | 2.8M | 2.3M | 981K | 323K | 1.4M | 1.6M | |
-64K | -366K | -686K | -707K | 427K | -38K | 1M | -443K | 6.9M | 470K | 142K | 240K | -111K | -83K | -477K | -211K | -1.7M | 0.0 | 0.0 | 0.0 | |
3.1M | 3.3M | 2.7M | 1.9M | 2.1M | 1.6M | 1.4M | 1.3M | 1.3M | 1.3M | 816K | 418K | 265K | 216K | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | |
5.4M | 1.2M | 2.8M | 3.7M | -3.8M | 282K | -6.6M | 2.3M | 2.3M | -807K | 2.2M | 3.9M | 5.8M | 4.7M | 2M | 1.3M | 1.9M | 2.8M | 499K | -476K | |
(6.6M) | (9.9M) | (15M) | (10.6M) | (8.9M) | (10M) | (2.4M) | (9.9M) | (9.1M) | (6.3M) | (5.6M) | (6.2M) | (4.5M) | (4.3M) | (5.1M) | (4.8M) | (6M) | (0.0) | (0.0) | (0.0) | |
1.8M | 1.3M | -8.5M | 971K | 14.5M | -2.7M | 6.6M | -3M | -654K | -726K | 170K | -5.4M | 859K | 2.5M | 753K | -295K | -4.7M | 54K | -851K | -150K | |
48.3M | 52.4M | 47.4M | 55.9M | 59.2M | 38.2M | 30.1M | 37.7M | 40.1M | 16.8M | 20.3M | 15.5M | 21.6M | 21.1M | 16.1M | 13.7M | 6.8M | 10.9M | 8.2M | 7.9M | |
INVESTING ACTIVITIES | ||||||||||||||||||||
(0.0) | -7.4M | -6.5M | -2.5M | -1.7M | -6.8M | -9.2M | -4.8M | -3.2M | -4.3M | -1.9M | -2M | -2.4M | -3.9M | -3.8M | -2.7M | -2M | -1.1M | -638K | -863K | |
(0.0) | (0.0) | (0.0) | (0.0) | (0.0) | -340K | -18.4M | (0.0) | (39.5M) | (0.0) | (0.0) | (0.0) | (0.0) | (1.2M) | (167K) | (0.0) | (0.0) | (0.0) | (0.0) | (0.0) | |
-91M | -53.5M | -7.5M | -109M | -249.6M | -218.3M | -129.2M | -147.3M | -172.1M | -210.8M | -168.4M | -110.2M | -172.1M | -167.4M | -137.2M | -158.6M | -185.8M | -101.9M | -155.8M | -78.5M | |
143.4M | 64.4M | 42.2M | 80.9M | 204.3M | 305M | 207.6M | 124.7M | 123.2M | 176M | 129.6M | 111.1M | 111.6M | 133.3M | 122.2M | 147.9M | 132.6M | 70.7M | 105.2M | 49.3M | |
36.3M | -145.4M | -90.4M | -378.2M | 42.3M | 63.2M | -129.5M | -16.6M | -146.5M | -142.7M | -87.2M | -69M | -37.7M | -55.6M | -33.1M | -32.4M | -37.1M | -54.7M | -25.2M | -40.5M | |
(88.7M) | -141.9M | -62.3M | -408.9M | -4.8M | (142.7M) | -78.7M | -44M | -159M | -181.9M | -128M | -70.2M | -100.6M | -92.4M | -51.8M | -45.8M | -92.3M | -86.9M | -76.4M | -70.5M | |
FINANCING ACTIVITIES | ||||||||||||||||||||
-827K | -1M | -805K | -215K | -615K | -14.2M | -239K | -324K | -282K | -497K | -24K | -8K | -24K | -181K | -623K | 1.7M | 20.4M | -3.8M | -1.6M | -650K | |
-129.4M | -40.9M | -62.9M | 215.5M | -157.7M | -195.3M | -191.4M | -105.8M | 60M | 61.8M | 26.6M | 38.1M | 38.3M | 51.5M | 25.9M | -21.3M | -11.5M | 45.1M | 18.1M | 21M | |
-20.4M | -17.8M | -16.6M | -15.3M | -14.1M | -13.4M | -13.4M | -12.2M | -11.5M | -6.6M | -6M | -5.4M | -4.9M | -4.6M | -4.2M | -4.1M | -3.8M | -3M | -2.9M | -2.8M | |
(0.0) | (0.0) | (0.0) | (0.0) | (0.0) | -14.2M | -239K | -324K | -282K | -497K | -24K | -8K | -24K | -181K | -623K | -275K | (0.0) | (0.0) | (0.0) | (0.0) | |
22.3M | 126.5M | 97.7M | -5.1M | 142.3M | 211.1M | 211.7M | 132.6M | 152.9M | 109.1M | 87.1M | 22.5M | 40M | 30.8M | 10.5M | 77.9M | 62.8M | 39.1M | 42.8M | 50.6M | |
-128.3M | 66.8M | 17.4M | 194.9M | -30M | -11.8M | 6.7M | 14.3M | 201.1M | 163.8M | 107.6M | 55.2M | 73.3M | 77.6M | 31.6M | 35M | 86.3M | 77.3M | 56.4M | 68.2M | |
CASH FLOW SUMMARY | ||||||||||||||||||||
8.7M | -22.7M | 2.5M | -158.1M | 24.4M | 169.1M | -41.8M | 8.1M | 82.2M | -1.3M | -80K | 600K | -5.8M | 6.3M | -4.1M | 3M | 790K | 1.3M | -11.8M | 5.5M | |
72.2M | 94.8M | 92.3M | 250.4M | 226M | 56.9M | 98.8M | 90.7M | 8.4M | 9.7M | 9.8M | 9.2M | 15M | 8.7M | 12.8M | 9.8M | 9M | 7.7M | 19.5M | 14M | |
80.8M | 72.2M | 94.8M | 92.3M | 250.4M | 226M | 56.9M | 98.8M | 90.7M | 8.4M | 9.7M | 9.8M | 9.2M | 15M | 8.7M | 12.8M | 9.8M | 9M | 7.7M | 19.5M | |
47.7M | 45M | 40.9M | 53.4M | 57.5M | 31.4M | 20.9M | 32.9M | 37M | 12.5M | 18.5M | 13.5M | 19.2M | 17.2M | 12.4M | 11.1M | 4.8M | 9.9M | 7.5M | 7M |
SEC Filings
BHB - Filing history and reports
| Filing Type | Filing Date | Period Ending | Fiscal Year | Actions |
|---|---|---|---|---|
8-K 8-K 2026 N/A | May 07, 2026 | May 07, 2026 | 2026 | |
8-K 8-K 2026 N/A | May 06, 2026 | May 06, 2026 | 2026 | |
10-Q 10-Q 2026 Q1 Q1 | May 05, 2026 | March 31, 2026 | 2026 | |
8-K 8-K 2026 N/A | April 21, 2026 | April 21, 2026 | 2026 | |
DEF 14A DEF 14A 2026 N/A | March 19, 2026 | May 07, 2026 | 2026 | |
10-K 10-K 2025 FY FY | March 13, 2026 | December 31, 2025 | 2025 | |
8-K 8-K 2026 N/A | January 22, 2026 | January 22, 2026 | 2026 | |
8-K 8-K 2025 N/A | November 10, 2025 | November 10, 2025 | 2025 | |
10-Q 10-Q 2025 Q3 Q3 | November 06, 2025 | September 30, 2025 | 2025 | |
8-K 8-K 2025 N/A | October 21, 2025 | October 21, 2025 | 2025 |
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