Bar Harbor Bankshares (BHB)

Bar Harbor Bankshares Cash Flow Statement

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

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Net Income	36.92	43.54	44.85	43.56	39.3
Depreciation & Amortization	5.82	5.13	5.13	5.22	5.54
Provision for Credit Losses	5.27	2.13	2.91	2.9	-1.3
Stock-Based Compensation	3.08	3.29	2.65	1.94	2.15
Net Change in Loans Held-for-Sale	-4.21	0.95	-2.19	5.52	18.58
Other Adjustments	-0.85	-2.11	-0.93	0.34	-3.32
Changes in Other Operating Activities	2.25	-0.57	-5.02	-3.58	-1.77
Operating Cash Flow	48.28	52.37	47.4	55.91	59.17
Operating Cash Flow Growth	-7.82%	10.48%	-15.21%	-5.51%	186.06%
Net Change in Loans Held-for-Investment	-42.1	-147.34	-96.84	-370.71	34.32
Net Change in Securities and Investments	57.7	11.45	36.77	-35.66	-38.67
Payments for Business Acquisitions	77.52	-	-	-	-
Capital Expenditures	-4.81	-7.4	-6.53	-2.52	-1.72
Sale of Property, Plant & Equipment	0.41	1.41	0.41	-	0.29
Other Investing Activities	-	-	3.9	-	1.03
Investing Cash Flow	88.71	-141.89	-62.29	-408.89	-4.75
Net Change in Deposits	22.31	126.53	97.73	-5.11	142.33
Short-Term Debt Issued	-114.91	-21.05	-60.6	235.57	1.35
Net Short-Term Debt Issued (Repaid)	-114.91	-21.05	-60.6	235.57	1.35
Long-Term Debt Issued	-	0.16	-	-	-
Long-Term Debt Repaid	-14.48	-20.01	-2.32	-20.24	-159.02
Net Long-Term Debt Issued (Repaid)	-14.48	-19.85	-2.32	-20.24	-159.02
Issuance of Common Stock	-0.83	-1.01	-0.81	-	-0.62
Net Common Stock Issued (Repurchased)	-0.83	-1.01	-0.81	-	-0.62
Common Dividends Paid	-20.4	-17.79	-16.57	-15.33	-14.07
Financing Cash Flow	-128.31	66.83	17.43	194.89	-30.03
Net Cash Flow	8.68	-22.68	2.55	-158.09	24.38
Free Cash Flow	43.47	44.98	40.87	53.39	57.45
Free Cash Flow Growth	-3.36%	10.04%	-23.45%	-7.07%	313.09%
FCF Margin	81.61%	77.72%	75.99%	36.71%	41.29%
Free Cash Flow Per Share	2.72	2.94	2.69	3.53	3.82
Levered Free Cash Flow	-89.21	-0.19	-24.49	258.02	-116.33
Unlevered Free Cash Flow	3.26	-2.83	-6.42	-0.87	2.05

Updated Mar 13, 2026. Data Source: Fiscal.ai. Banks template. Financial Sources.

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