Bar Harbor Bankshares - Understand $bhb stock

$BHB Market Cap: $549.6 Million

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Financial Snapshot

Revenue

$141.2M

TTM

Gross Margin

Net Earnings

$42.49M

TTM

Current Assets

Current Liabilities

Current Ratio

Total Assets

$4.030B

Q3 2024

Total Liabilities

$3.570B

Q3 2024

Book Value

$459.9M

Q3 2024

Cash

$81.22M

Q3 2024

P/E

12.94

Nov 29, 2024 EST

Free Cash Flow

$23.42M

TTM

Revenues

Revenue YoY Change

Revenues

Concept	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010	2009	2008	2007	2006	2005	2004	2003	2002	2001	2000	1999	1998	1997	1996	1995
Revenue	$174.2M	$29.36M	$110.8M	$126.1M	$135.4M	$127.5M	$116.1M	$57.49M	$55.22M
YoY Change	493.18%	-73.5%	-12.13%	-6.86%	6.23%	9.81%	101.9%	4.1%

Expenses

Cost Of Revenues

Gross Profit

Gross Profit Margin

Gross Profit

Concept	2023	2022	2021	2020	2019	2018	2017	2016	2015
Revenue	$174.2M	$29.36M	$110.8M	$126.1M	$135.4M	$127.5M	$116.1M	$57.49M	$55.22M
Cost Of Revenue
Gross Profit
Gross Profit Margin

Selling, General & Admin Expense

Research & Development

Depreciation, Depletion & Amortization

SGA Expense to Gross Profit Ratio

R&D To Gross Profit Ratio

DDA To Gross Profit Ratio

Operating Expenses Total

Operating Profits/Loss

Operational Expenses

Concept	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010	2009	2008	2007	2006	2005	2004	2003	2002	2001	2000	1999	1998	1997	1996	1995
Selling, General & Admin
YoY Change
% of Gross Profit
Research & Development	$697.0K	$880.0K	$912.0K	$892.0K	$821.0K	$804.0K	$1.289M	$586.0K	$388.0K
YoY Change	-20.8%	-3.51%	2.24%	8.65%	2.11%	-37.63%	119.97%	51.03%
% of Gross Profit
Depreciation & Amortization	$4.200M	$4.200M	$4.600M	$4.800M	$4.100M	$3.700M	$3.500M	$1.500M	$1.700M	$1.720M	$1.590M	$1.330M	$1.180M	$1.080M	$980.0K	$1.070M	$1.280M	$1.350M	$1.460M	$1.780M	$1.110M	$1.120M	$1.480M	$1.200M	$980.0K	$940.0K	$890.0K	$790.0K	$590.0K
YoY Change	0.0%	-8.7%	-4.17%	17.07%	10.81%	5.71%	133.33%	-11.76%	-1.16%	8.18%	19.55%	12.71%	9.26%	10.2%	-8.41%	-16.41%	-5.19%	-7.53%	-17.98%	60.36%	-0.89%	-24.32%	23.33%	22.45%	4.26%	5.62%	12.66%	33.9%	9.26%
% of Gross Profit
Operating Expenses	$697.0K	$880.0K	$912.0K	$892.0K	$821.0K	$804.0K	$1.289M	$586.0K	$388.0K
YoY Change	-20.8%	-3.51%	2.24%	8.65%	2.11%	-37.63%	119.97%	51.03%
Operating Profit
YoY Change

Interest Expenses

Interest Expenses To Operating Income %

Other Expense/Income

Interest & Other Expense/Income

Concept	2023	2022	2021	2020	2019	2018	2017	2016	2015
Interest Expense	$56.51M	$12.85M	$15.23M	$26.92M	$45.58M	$36.57M	$23.91M	$12.11M	$10.39M
YoY Change	339.91%	-15.67%	-43.43%	-40.93%	24.65%	52.91%	97.42%	16.58%
% of Operating Profit
Other Income/Expense, Net
YoY Change

Income/Loss

Pretax Income

Income Tax

Net Profits/Loss

Pretax Income YoY Change

Income Tax Rate

Net Profits/Loss YoY Change

Basic EPS

Net Income To Revenue Ratio

Pretax & Net Income

Concept	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010	2009	2008	2007	2006	2005	2004	2003	2002	2001	2000	1999	1998	1997	1996	1995
Pretax Income	$57.12M	$54.85M	$48.63M	$41.65M	$26.83M	$40.50M	$42.62M	$20.81M	$21.12M	$20.50M	$18.40M	$17.40M	$15.50M	$14.80M	$14.30M	$11.10M	$10.20M	$9.800M	$9.000M	$7.900M	$7.100M	$6.600M	$5.200M	$7.200M	$9.200M	$9.700M	$9.400M	$9.600M	$8.500M
YoY Change	4.14%	12.78%	16.75%	55.25%	-33.75%	-4.98%	104.83%	-1.47%	3.02%	11.41%	5.75%	12.26%	4.73%	3.5%	28.83%	8.82%	4.08%	8.89%	13.92%	11.27%	7.58%	26.92%	-27.78%	-21.74%	-5.15%	3.19%	-2.08%	12.94%	21.43%
Income Tax	$12.27M	$11.29M	$9.329M	$8.407M	$4.209M	$7.562M	$16.63M	$5.876M	$5.967M	$5.900M	$5.200M	$4.900M	$4.500M	$4.100M	$4.000M	$3.400M	$3.000M	$2.900M	$2.600M	$2.100M	$1.900M	$1.700M	$1.700M	$2.400M	$3.000M	$3.100M	$3.000M	$2.900M	$2.600M
% Of Pretax Income	21.47%	20.58%	19.18%	20.18%	15.69%	18.67%	39.02%	28.24%	28.25%	28.78%	28.26%	28.16%	29.03%	27.7%	27.97%	30.63%	29.41%	29.59%	28.89%	26.58%	26.76%	25.76%	32.69%	33.33%	32.61%	31.96%	31.91%	30.21%	30.59%
Net Earnings	$44.85M	$43.56M	$39.30M	$33.24M	$22.62M	$32.94M	$25.99M	$14.93M	$15.15M	$14.60M	$13.20M	$12.50M	$11.00M	$10.70M	$10.40M	$7.700M	$7.200M	$6.900M	$6.400M	$5.700M	$5.200M	$4.600M	$3.500M	$4.800M	$6.200M	$6.600M	$6.400M	$6.700M	$5.900M
YoY Change	2.97%	10.83%	18.21%	46.97%	-31.32%	26.71%	74.06%	-1.45%	3.79%	10.61%	5.6%	13.64%	2.8%	2.88%	35.06%	6.94%	4.35%	7.81%	12.28%	9.62%	13.04%	31.43%	-27.08%	-22.58%	-6.06%	3.13%	-4.48%	13.56%	20.41%
Net Earnings / Revenue	25.75%	148.33%	35.47%	26.36%	16.71%	25.84%	22.39%	25.98%	27.44%
Basic Earnings Per Share	$2.96	$2.90	$2.63	$2.18	$1.46	$2.13	$1.71	$1.65	$1.69
Diluted Earnings Per Share	$2.95	$2.882M	$2.61	$2.18	$1.45	$2.12	$1.70	$1.63	$1.67	$1.622M	$1.483M	$1.420M	$1.264M	$1.244M	$1.552M	$1.132M	$1.029M	$985.7K	$901.4K	$791.7K	$722.2K	$621.6K	$466.7K	$631.6K	$805.2K	$857.1K	$831.2K	$870.1K	$766.2K

Assets & Liabilities

Cash & Short-Term Investments

Cash & Equivalents

Cash To Operating Expenses Ratio

Inventory

Receivables

Total Short-Term Assets

Property, Plant And Equipment

Long-Term Investments

Total Long-Term Assets

Total Assets

Net Income To Total Assets Percentage

Accounts Payable

Short-Term Debt

Long Term Debt Due

Total Short-Term Liabilities

Long-Term Debt

Other Long-Term Liabilities

Total Long-Term Liabilities

Total Liabilities

Short-Term To Long-Term Debt Ratio

Short-Term Assets To Debt Ratio

Long-Term Debt To Net Income Ratio

Assets & Liabilities

Concept	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010	2009	2008	2007	2006	2005	2004	2003	2002	2001	2000	1999	1998	1997	1996	1995
Cash & Short-Term Investments
YoY Change
Cash & Equivalents
Short-Term Investments
Other Short-Term Assets
YoY Change
Inventory
Prepaid Expenses
Receivables
Other Receivables
Total Short-Term Assets
YoY Change
Property, Plant & Equipment	$48.29M	$47.62M	$58.70M	$62.80M	$60.80M	$48.80M	$47.70M	$23.40M	$20.70M	$20.50M	$20.10M	$19.30M	$16.10M	$13.50M	$11.90M	$10.90M	$10.80M	$11.40M	$11.80M	$11.90M	$11.40M	$11.30M	$12.10M	$12.00M	$8.400M	$8.000M	$7.700M	$7.500M	$6.200M
YoY Change	1.4%	-18.87%	-6.53%	3.29%	24.59%	2.31%	103.85%	13.04%	0.98%	1.99%	4.15%	19.88%	19.26%	13.45%	9.17%	0.93%	-5.26%	-3.39%	-0.84%	4.39%	0.88%	-6.61%	0.83%	42.86%	5.0%	3.9%	2.67%	20.97%
Goodwill
YoY Change
Intangibles
YoY Change
Long-Term Investments
YoY Change
Other Assets	$22.98M	$24.44M	$5.500M	$3.000M	$3.900M	$9.500M	$7.200M	$6.000M	$2.200M	$700.0K	$8.600M
YoY Change	-5.99%	344.42%	83.33%	-23.08%	-58.95%	31.94%	20.0%	172.73%	214.29%	-91.86%
Total Long-Term Assets
YoY Change
Total Assets	$3.971B	$3.910B	$3.709B	$3.724B	$3.669B	$3.609B	$3.565B	$1.755B	$1.580B	$1.459B	$1.374B	$1.303B	$1.168B	$1.118B	$1.072B	$972.3M	$889.5M	$824.9M	$747.9M	$666.8M	$583.7M	$553.8M	$487.2M	$466.2M	$456.8M	$392.0M	$342.7M	$345.1M	$326.6M
YoY Change
Accounts Payable
YoY Change
Accrued Expenses	$7.322M	$8.501M	$9.600M	$10.60M	$9.700M
YoY Change	-13.87%	-11.45%	-9.43%	9.28%
Deferred Revenue
YoY Change
Short-Term Debt	$8.465M	$13.37M	$19.80M	$27.80M	$44.80M	$36.20M	$40.70M	$21.80M	$20.90M	$19.70M	$20.30M		$24.60M	$30.30M	$40.60M	$21.40M	$22.50M	$14.90M	$16.40M	$15.10M	$15.90M	$13.90M	$15.20M	$12.20M	$8.800M	$8.100M	$4.500M	$8.200M	$5.800M
YoY Change	-36.68%	-32.48%	-28.78%	-37.95%	23.76%	-11.06%	86.7%	4.31%	6.09%	-2.96%			-18.81%	-25.37%	89.72%	-4.89%	51.01%	-9.15%	8.61%	-5.03%	14.39%	-8.55%	24.59%	38.64%	8.64%	80.0%	-45.12%	41.38%
Long-Term Debt Due
YoY Change
Total Short-Term Liabilities	$15.79M	$21.87M	$9.600M	$10.60M	$9.700M	$36.20M	$40.70M	$21.80M	$20.90M	$19.70M	$20.30M		$24.60M	$30.30M	$40.60M	$21.40M	$22.50M	$14.90M	$16.40M	$15.10M	$15.90M	$13.90M	$15.20M	$12.20M	$8.800M	$8.100M	$4.500M	$8.200M	$5.800M
YoY Change	-27.81%	127.81%	-9.43%	9.28%	-73.2%	-11.06%	86.7%	4.31%	6.09%	-2.96%			-18.81%	-25.37%	89.72%	-4.89%	51.01%	-9.15%	8.61%	-5.03%	14.39%	-8.55%	24.59%	38.64%	8.64%	80.0%	-45.12%	41.38%
Long-Term Debt	$331.5M	$394.2M	$60.10M	$60.00M	$59.90M	$43.00M	$43.00M	$5.000M	$5.000M	$5.000M	$5.000M	$229.1M	$5.000M	$5.000M	$5.000M	$5.000M	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00
YoY Change	-15.91%	555.98%	0.17%	0.17%	39.3%	0.0%	760.0%	0.0%	0.0%	0.0%	-97.82%	4482.0%	0.0%	0.0%	0.0%
Other Long-Term Liabilities	$66.16M	$78.68M	$48.40M	$64.30M	$36.00M	$30.90M	$28.70M	$11.70M	$8.300M	$8.000M	$7.400M	$7.600M	$6.000M	$6.000M	$6.100M	$4.700M	$5.500M	$6.800M	$6.400M	$5.600M	$5.100M	$7.500M	$6.800M	$6.300M	$4.100M	$4.500M	$4.700M	$3.400M	$3.400M
YoY Change	-15.9%	62.55%	-24.73%	78.61%	16.5%	7.67%	145.3%	40.96%	3.75%	8.11%	-2.63%	26.67%	0.0%	-1.64%	29.79%	-14.55%	-19.12%	6.25%	14.29%	9.8%	-32.0%	10.29%	7.94%	53.66%	-8.89%	-4.26%	38.24%	0.0%
Total Long-Term Liabilities	$397.7M	$472.9M	$108.5M	$124.3M	$95.90M	$73.90M	$71.70M	$16.70M	$13.30M	$13.00M	$12.40M	$236.7M	$11.00M	$11.00M	$11.10M	$9.700M	$5.500M	$6.800M	$6.400M	$5.600M	$5.100M	$7.500M	$6.800M	$6.300M	$4.100M	$4.500M	$4.700M	$3.400M	$3.400M
YoY Change	-15.91%	335.87%	-12.71%	29.61%	29.77%	3.07%	329.34%	25.56%	2.31%	4.84%	-94.76%	2051.82%	0.0%	-0.9%	14.43%	76.36%	-19.12%	6.25%	14.29%	9.8%	-32.0%	10.29%	7.94%	53.66%	-8.89%	-4.26%	38.24%	0.0%
Total Liabilities	$3.539B	$3.516B	$3.285B	$3.317B	$3.273B	$3.238B	$3.211B	$1.599B	$1.426B	$1.313B	$1.253B	$1.175B	$1.049B	$1.014B	$958.9M	$906.8M	$823.5M	$763.8M	$691.8M	$610.8M	$530.6M	$500.0M	$434.7M	$415.7M	$407.7M	$345.2M	$300.3M	$307.3M	$293.4M
YoY Change	0.64%	7.04%	-0.97%	1.36%	1.07%	0.85%	100.83%	12.11%	8.6%	4.83%	6.6%	11.98%	3.44%	5.78%	5.75%	10.12%	7.82%	10.41%	13.26%	15.11%	6.12%	15.02%	4.57%	1.96%	18.11%	14.95%	-2.28%	4.74%

Ownership

Basic Shares Outstanding

Diluted Shares Outstanding

Preferred Stock

Treasury Stock Shares

Stock Issuance & Repurchase

Ownership Data

Concept	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2011
Basic Shares Outstanding	15.14M	15.04M	14.97M	15.25M	15.54M	15.49M	15.18M shares	9.069M shares	8.970M shares	5.926M	3.932M	3.860M
Diluted Shares Outstanding	15.20M	15.11M	15.05M	15.27M	15.59M	15.56M	15.29M shares	9.143M shares	9.090M shares
Preferred Stock
Treasury Stock Shares

Return On Shareholders' Equity

Book Value

Free Cash Flow

Free Cash Flow YoY

Free Cash Flow Margin

Dividends

Stock Price

Market Cap: $549.64 Million

About BAR HARBOR BANKSHARES

Bar Harbor Bankshares operates through its subsidiaries, which engages in the provision of commercial, retail, and wealth management banking services. The company is headquartered in Bar Harbor, Maine and currently employs 462 full-time employees. The Bank is a regional community bank. The firm offers a variety of financial products and services designed around its customers in order to serve their banking and financial needs. The firm operates within community banking industry and includes traditional community banking services, including lending activities, acceptance of demand, savings and time deposits, business services, investment management, trust and third-party brokerage services. The Bank provides full-service community banking with office locations in all three Northern New England states of Maine, New Hampshire and Vermont. The firm has around 22 full-service branches in operation and two wealth management offices located in the regions of downeast, midcoast, and central Maine. The company has around 21 full-service branches in operation and five wealth management offices in New Hampshire.

Industry: State Commercial Banks Peers: CapStar Financial Holdings, Inc. Carter Bankshares, Inc. SMARTFINANCIAL INC. FIRST OF LONG ISLAND CORP GUARANTY BANCSHARES INC /TX/ INDEPENDENT BANK CORP /MI/ RBB Bancorp PNC FINANCIAL SERVICES GROUP, INC.