Filing Flows › Financials › Bar Harbor Bankshares (BHB)
Bar Harbor Bankshares (BHB) earnings and revenue breakdown
Latest: Q3 2026 · 10-Q filed Nov 9, 2026 · Bar Harbor Bankshares (BHB) Q3 2026 earnings results →
Q3 2026 Revenue up 8% year over year to $51.6M · 31¢ of every $1 of revenue kept as net profit · operating margin 39.5%
Bar Harbor Bankshares made $51.6M in Q3 2026 (+8% Y/Y): Net interest income $40.7M, Noninterest income $10.8M. Operating margin 39.5%, net earnings $16.1M. See where every dollar goes — costs, profit and cash — as a Sankey from the 10-Q filed Nov 9, 2026.
Drawing the Sankey…
Open the interactive Sankey → click any line for what the company wrote about it, compare Y/Y and Q/Q, export as PNG or PDF
What changed this quarter
Revenue was $51.6M in Q3 2026, up 8% year over year and up 4% from the previous quarter. Net interest income was the largest line at 79% of revenue. Net interest income added $3.8M year over year (up 10%), 93% of the total change.
Operating profit was $20.4M, a 39.5% margin (up 16.3 points year over year). Of the extra revenue versus a year earlier, 231% reached operating profit, above the 23% margin then. Total costs fell 14% while revenue rose 8%. Net earnings were $16.1M, up 82% year over year. The effective tax rate was 21.0%.
Operating cash flow was $18.8M (up 14% year over year), 117% of net earnings. Non-cash charges added back $1.8M of depreciation and amortization and $698K of share-based compensation. Capital expenditures of $1.5M left free cash flow of $17.3M.
Quarterly history
| Quarter | Form | Filed | Revenue | Y/Y | Op. margin | Net earnings | Op. cash flow |
|---|---|---|---|---|---|---|---|
| Q3 2026 | 10-Q | Nov 9, 2026 | $51.6M | +8% | 39.5% | $16.1M | $18.8M |
Charts
Interactive views
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💵Where each $1 goesinteractive
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🌏Named in Asian annual reportsinteractive
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🔄Rotation against the market and its industry (RRG)interactive
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🔍Earnings qualityinteractive
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⚖️Fair value by methodinteractive
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🔭Outlook & guidanceinteractive
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📈Investments: gains and what it boughtinteractive
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🏭Its industry’s money flow (input-output)interactive
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About Bar Harbor Bankshares
Certain statements contained in this Annual Report on Form 10-K (the “Form 10-K” or “Annual Report”) that are not historical facts may constitute forward-looking statements within the meaning of Section 27A of the Securities Act of 1933, as amended ("Securities Act"), and Section 21E of the Securities Exchange Act of 1934, as amended ("Exchange Act"), and are intended to be covered by the safe harbor provisions of the Private Securities Litigation Reform Act of 1995.
In its own words, from its 10-K, filed Mar 13, 2026.
Bar Harbor Bankshares against its State Commercial Banks peers
The largest companies of the same SEC industry, each at its latest quarter. Revenue growth: +8% against the peers' median +8%. Operating margin: 39.5% against the peers' median 34.6%.
| Company | Quarter | Revenue | Y/Y | Op. margin |
|---|---|---|---|---|
| BHB Bar Harbor Bankshares | Q3 2026 | $51.6M | +8% | 39.5% |
| DB Deutsche Bank Aktiengesellschaft | Q3 2026 | $6.1B | -31% | -7.6% |
| BNY Bank of New York Mellon | Q3 2026 | $5.7B | +12% | 38.5% |
| STT State Street | Q3 2026 | $4.0B | +13% | 34.7% |
| FITB Fifth Third Bancorp | Q3 2026 | $3.3B | +42% | 33.8% |
| MTB M&T Bank | Q3 2026 | $2.5B | +0.9% | 39.7% |
| FCNCA First Citizens Bancshares | Q3 2026 | $2.4B | 0% | 33.1% |
| ALLY Ally Financial | Q3 2026 | $2.3B | +8% | 24.3% |
| CFG Citizens Financial Group | Q3 2026 | $2.3B | +10% | 34.6% |
Source: Bar Harbor Bankshares 10-Q on SEC EDGAR · CIK 743367 · State Commercial Banks
Guidance and outlook
13F: who owns BHB and who is buying
More on BHB
History
Every quarter: Q3 2026 results