Bar Harbor Bankshares (BHB)

Bar Harbor Bankshares Cash Flow Statement

Financials in millions USD. Fiscal year is January - December.

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Sep 30, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Net Income	36.16	43.54	44.85	43.56	39.3	33.24
Depreciation & Amortization	5.37	5.13	5.13	5.22	5.54	5.8
Provision for Credit Losses	6.2	2.13	2.91	2.9	-1.3	5.63
Stock-Based Compensation	3.34	3.29	2.65	1.94	2.15	1.57
Net Change in Loans Held-for-Sale	-2.44	0.95	-2.19	5.52	18.58	-17.49
Other Adjustments	0.25	-2.11	-0.93	0.34	-3.32	-5.12
Changes in Other Operating Activities	-4.76	-0.57	-5.02	-3.58	-1.77	-2.94
Operating Cash Flow	44.38	52.37	47.4	55.91	59.17	20.68
Operating Cash Flow Growth	-19.93%	10.48%	-15.21%	-5.51%	186.06%	-31.22%
Net Change in Loans Held-for-Investment	-86.37	-147.34	-96.84	-370.71	34.32	70.89
Net Change in Securities and Investments	19.6	11.45	36.77	-35.66	-38.67	96.11
Payments for Business Acquisitions	-	-	-	-	-	2.21
Capital Expenditures	-5.48	-7.4	-6.53	-2.52	-1.72	-6.78
Sale of Property, Plant & Equipment	0.53	1.41	0.41	-	0.29	0.9
Other Investing Activities	-	-	3.9	-	1.03	-3.09
Investing Cash Flow	39.27	-141.89	-62.29	-408.89	-4.75	160.24
Net Change in Deposits	155.82	126.53	97.73	-5.11	142.33	210.46
Short-Term Debt Issued	-128.32	-21.05	-60.6	235.57	1.35	-265.32
Net Short-Term Debt Issued (Repaid)	-128.32	-21.05	-60.6	235.57	1.35	-265.32
Long-Term Debt Issued	0.04	0.16	-	-	-	148.2
Long-Term Debt Repaid	-14.97	-20.01	-3.12	-20.24	-159.02	-78.19
Net Long-Term Debt Issued (Repaid)	-14.93	-19.85	-3.12	-20.24	-159.02	70.01
Issuance of Common Stock	-1.17	-1.01	-	-	-0.62	0.62
Repurchase of Common Stock	-	-	-	-	-	-14.19
Net Common Stock Issued (Repurchased)	-1.17	-1.01	-	-	-0.62	-13.57
Common Dividends Paid	-19.56	-17.79	-16.57	-15.33	-14.07	-13.42
Financing Cash Flow	-28.16	66.83	17.43	194.89	-30.03	-11.82
Net Cash Flow	55.49	-22.68	2.55	-158.09	24.38	169.1
Free Cash Flow	38.9	44.98	40.87	53.39	57.45	13.91
Free Cash Flow Growth	-13.51%	10.04%	-23.45%	-7.07%	313.09%	-33.41%
FCF Margin	25.50%	30.27%	27.28%	36.71%	41.29%	10.19%
Free Cash Flow Per Share	2.49	2.94	2.69	3.53	3.82	0.91
Levered Free Cash Flow	-111.96	-0.19	-25.3	258.02	-116.33	-165.98
Unlevered Free Cash Flow	-4.87	-2.83	-6.42	-0.87	2.05	-3.92

Updated Nov 6, 2025. Data Source: Fiscal.ai. Banks template. Financial Sources.

SEC Filings: 10-K · 10-Q