Sound shipBar Harbor Bankshares $BHB
Grew revenue 3.4% in FY2022 to $29 million, equity 10.1% of assets, and dividend per share up 10 years running.
Last filing8-K · Item 2.02 Results of Operations and Financial Condition, 22 Oct 2026
Edgarette’s full reading · exposure, experience, soundness, credibility, range
🫧 Edgar looked up BAR HARBOR BANKSHARES ($BHB). Last filing: 8-K (2.02 Results of Operations and Financial Condition), 2026-10-22. 10 event filings (8-K) in the past twelve months. Auditor change (8-K Item 4.01) filed 2025-03-14.
🔖 Exposure: revenue $29.4M (FY2022), total debt $62.9M. Experience: revenue up 3.4% on the year, up 8.1% a year over 4 years. Soundness: equity 10.1% of assets, return on equity 11.1%, payout 35.2% of profit, dividend per share up 10 years running. Credibility: four or more audited years, reasonable weight. Range: 80% of past cases like this landed between $20.1M and $46.7M next year (method v4.1: its own 4-year record of growth weighed at 50% against under $50M filers; across 2019–2025, 69.0% landed inside, 83.4% on the one year the method never saw). In a shock year the stress range is $19.0M to $49.6M. A statistical range, not company guidance. Against peers (31 filers, $50M+ revenue, state commercial banks): growth 3.4% against 7.5%.
Read from its own SEC filings · nothing written, nothing inferred
Gold paid out, navy kept. Kept share × return on equity = the growth it can fund itself. Facts from the filings, not a recommendation.
Cash
| Cash flow (op · inv · fin · free) | $56M · −$409M · $195M · $53M |
| Investment book (cash · short · long) | $92M · — · $357M · unrealized −$72M |
The figures, as filed
| Fiscal year end | 2022-12-31 |
| Revenue | $29M |
| Revenue, on the year | 3.4% |
| Revenue, a year over the record | 8.1% |
| Operating margin | — |
| Operating margin, prior year | — |
| Net margin | 148.3% |
| Research and development | not filed separately |
| Total debt | $63M |
| Equity of assets | 10.1% |
| Return on equity | 11.1% |
| Payout of profit | 35.2% |
| Dividend per share | $1.26 · up 10 years running |
| Earnings per share | $2.9 |
| Book value per share | $26.04 |
| Revenue per share | $1.94 |
| Shares outstanding | 15,111,961 |
| Audited years read | 5 |
Peers: the median of 31 filers with $50M+ revenue in state commercial banks.
Classic signals · fiscal 2022Altman Z″ not covered: built for industrial balance sheets, not banks or insurersPiotroski F 6 of 9 solid 2000Beneish M not covered: built for industrial filersSloan accruals -0.3% earnings backed by cash 1996DuPont ROE 10.7% = margin 148.3% × turns 0.01 × leverage 9.32
What a terminal subscription used to buy, a filing and arithmetic now give anyone. Published method, from the same filings. Display only: nothing here moves the range or its receipt. Why? →
Health HarborBar Harbor Bankshares sails as: Sound ship
Health watch · 12 monthsDirector or officer change
No growth figure to set the speed.
🌊 Visit the Bay →- revenue is hard to predict: its 80% range is ±40%
Boat condition = number of warning signs: a serious warning filing in 12 months; liabilities over assets; slow and jumpy; negative operating cash; an operating loss; negative free cash flow outside regulated utilities; an 80% revenue range of ±25% or wider. A picture of the signs, not a rating and not investment advice.
- 8-K · 2026-10-22 · 2.02 Results of Operations and Financial Condition; 7.01 Regulation FD Disclosure; 9.01 Financial Statements and Exhibits
- 8-K · 2026-09-21 · 7.01 Regulation FD Disclosure; 9.01 Financial Statements and Exhibits
- 8-K · 2026-09-15 · 5.02 Departure or Election of Directors; Appointment of Officers
- 10-Q · 2026-08-05
- 8-K · 2026-07-27 · 7.01 Regulation FD Disclosure; 9.01 Financial Statements and Exhibits
- 8-K · 2026-07-21 · 2.02 Results of Operations and Financial Condition; 7.01 Regulation FD Disclosure; 9.01 Financial Statements and Exhibits
Its latest audited year is FY2025, which reports no revenue; the revenue figures and the range here are from FY2022, its last year with revenue on record. Figures are as filed in audited 10-K reports and can move with restatements, acquisitions, disposals or a change in fiscal year. A range set from how past company-years turned out is not a promise about the next one, and says nothing about the share price. Reporting, not investment advice. No price targets and no trading recommendations. Figures from the SEC’s own data · every filing · this page as JSON · ask about another company