Bar Harbor Bankshares Financial Ratios
NYSE: BHBFinanceMajor BanksUSD
At close: Oct 9, 4:00 PM ET · Delayed 15 min
Bar Harbor Bankshares ratio analysis
Bar Harbor Bankshares earned a net margin of 21.9% in FY 2025, down from 28.9% a year earlier. Return on equity reached 6.9%, meaning Bar Harbor Bankshares generated 0.07 dollars of profit for every dollar of shareholders' equity. Debt-to-equity stood at 0.51 versus 0.63 the year before.
At the end of FY 2025, BHB traded at 13.5 times earnings; across the 10 fiscal years shown, its year-end P/E ranged from 10.0 to 19.4, with a median of 11.3. Valuation ratios use the closing share price on each fiscal year-end date and diluted shares from the income statement; profitability and leverage ratios use reported annual figures. Current valuation multiples are on the statistics page.
Summary generated from market data by MetaCap's automated system. Methodology
Bar Harbor Bankshares financial ratios (annual)
| Ratio | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|
| P/E ratio (at fiscal year end) | 13.52 | 10.56 | 9.95 | 11.13 | 11.08 | 10.36 | 16.99 | 11.38 | 15.89 | 19.36 |
| Price / sales | 2.94 | 3.03 | 2.91 | 16.41 | 15.25 | 13.94 | 17.25 | 17.36 | 3.47 | 4.96 |
| Price / book | 0.93 | 1.00 | 1.03 | 1.22 | 1.02 | 0.85 | 0.97 | 1.01 | 1.16 | 1.83 |
| Net margin | 21.9% | 28.9% | 29.4% | 148.3% | 138.4% | 134.6% | 101.9% | 153.0% | 22.0% | 25.9% |
| Free cash flow margin | 25.7% | 29.8% | 26.8% | 181.8% | 202.4% | 56.3% | 94.1% | 153.0% | 31.5% | 21.6% |
| Return on equity (ROE) | 6.9% | 9.5% | 10.4% | 11.1% | 9.3% | 8.2% | 5.7% | 8.9% | 7.3% | 9.5% |
| Return on assets (ROA) | 0.8% | 1.1% | 1.1% | 1.1% | 1.1% | 0.9% | 0.6% | 0.9% | 0.7% | 0.9% |
| Debt / equity | 0.51 | 0.63 | 0.77 | 1.00 | 0.42 | 0.83 | 1.34 | 1.95 | 2.34 | 3.42 |
| Revenue growth | 12.1% | -1.3% | 420.2% | 3.4% | 14.9% | 11.3% | 3.1% | -81.8% | 104.7% | 7.3% |
| EPS growth | -18.7% | -3.7% | 2.4% | 10.3% | 19.7% | 50.3% | -31.6% | 24.7% | 4.3% | -2.4% |