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Bar Harbor Bankshares cash flow, quarter by quarter

Latest: Q3 2026 · from the cash-flow statements filed with the SEC

Free cash flow$17.3M in Q3 2026 · $59.0M over twelve months

Operating cash flow$18.8M
Capital spending−$1.5M
Free cash flow+$17.3M
Cash / net income1.2×

Analysis

In Q3 2026, Bar Harbor Bankshares generated $18.8M of operating cash flow and spent $1.5M on capital projects, leaving free cash flow of $17.3M. That is $1.8M more than in Q3 2025 ($15.4M).

Over the twelve months to Sep 30, 2026, operating cash flow was $66.3M; the largest uses were other investing ($51.6M), other financing ($47.1M), dividends ($22.3M); the cash balance fell by $61.9M.

Operating cash flow was $18.8M against net income of $16.1M — 1.2× profit, cash ran ahead of reported earnings. The largest differences: depreciation & amortization +$1.8M, stock-based pay +$698K, gains on disposals +$47K.

Free cash flow

Bar Harbor Bankshares: free cash flow by quarterBar Harbor Bankshares: free cash flow by quarter$12.4MQ4 2024$7.8MQ1 2025$3.3MQ2 2025$15.4MQ3 2025$17.0MQ4 2025$3.0MQ1 2026$21.8MQ2 2026$17.3MQ3 2026
Operating cash flow less capital spending.
Bar Harbor Bankshares: operating cash flow against capital spendingBar Harbor Bankshares: operating cash flow against capital spendingOperating cash flowCapital spending$13.3M$848KQ4 2024$9.3M$1.5MQ1 2025$5.3M$2.0MQ2 2025$16.5M$1.1MQ3 2025$17.2M$178KQ4 2025$5.0M$2.0MQ1 2026$25.4M$3.6MQ2 2026$18.8M$1.5MQ3 2026
Latest (Q3 2026): Operating cash flow $18.8M, Capital spending $1.5M.

Capital allocation, year by year

Bar Harbor Bankshares: where the cash came from (up) and went (down), by fiscal yearBar Harbor Bankshares: where the cash came from (up) and went (down), by fiscal yearOperating cash flowNet borrowingAsset salesCapital spendingDividendsFY2021: Operating cash flow $59.2MFY2021: Net borrowing −$167MFY2021: Asset sales $288KFY2021: Capital spending −$1.7MFY2021: Dividends −$14.1M$59.5MFY2021FY2022: Operating cash flow $55.9MFY2022: Net borrowing −$26.5MFY2022: Capital spending −$2.5MFY2022: Dividends −$15.3M$55.9MFY2022FY2023: Operating cash flow $47.4MFY2023: Net borrowing −$2.3MFY2023: Asset sales $413KFY2023: Capital spending −$6.5MFY2023: Dividends −$16.6M$47.8MFY2023FY2024: Operating cash flow $52.4MFY2024: Asset sales $1.4MFY2024: Capital spending −$7.4MFY2024: Dividends −$17.8M$53.8MFY2024FY2025: Operating cash flow $48.3MFY2025: Asset sales $406KFY2025: Capital spending −$4.8MFY2025: Dividends −$20.4M$48.7MFY2025
Over these 5 years operating cash flow totalled $263M; the largest uses were net borrowing ($196M) and dividends ($84.2M). Cash-flow statements as filed.

Where the cash came from and went

Bar Harbor Bankshares: sources (+) and uses (−) of cash, Q3 2026Bar Harbor Bankshares: sources (+) and uses (−) of cash, Q3 2026Net borrowing (+) / repaid (−)−$96.2MOther financing$56.5MCash drawn (+) / kept (−)$29.6MOperating cash flow$18.8MDividends−$5.7MCapital spending−$1.5MOther investing−$1.3M
Bar Harbor Bankshares: sources (+) and uses (−) of cash, TTM to Q3 2026Bar Harbor Bankshares: sources (+) and uses (−) of cash, TTM to Q3 2026Operating cash flow$66.3MCash drawn (+) / kept (−)$61.9MOther investing−$51.6MOther financing−$47.1MDividends−$22.3MCapital spending−$7.3M

From profit to cash

Bar Harbor Bankshares: net income to operating cash flow, Q3 2026Bar Harbor Bankshares: net income to operating cash flow, Q3 2026Net income$16.1MDepreciation & amortization$1.8MStock-based pay$698KGains on disposals$47KOperating cash flow$18.8M
Non-cash charges are added back; money tied up in receivables or inventory is subtracted.

Every quarter

QuarterOperating cash flowCapital spendingDividendsNet borrowing (+) / repaid (−)Cash drawn (+) / kept (−)Free cash flow
Q3 2026$18.8M−$1.5M−$5.7M−$96.2M$29.6M$17.3M
Q2 2026$25.4M−$3.6M−$5.7M$65.3M−$22.2M$21.8M
Q1 2026$5.0M−$2.0M−$5.4M−$54.5M−$1.4M$3.0M
Q4 2025$17.2M−$178K−$5.4M—$55.9M$17.0M
Q3 2025$16.5M−$1.1M−$5.4M−$199M−$49.7M$15.4M
Q2 2025$5.3M−$2.0M−$5.0M$56.5M$1.1M$3.3M
Q1 2025$9.3M−$1.5M−$4.6M−$50.0M−$16.0M$7.8M
Q4 2024$13.3M−$848K−$4.5M—$9.1M$12.4M

Bar Harbor Bankshares: income statement and cash flow

Bar Harbor Bankshares, Q3 2026: revenue $51.6M (+8% year over year), operating margin 39.5%. The chart follows the revenue to costs, profit and cash.

Bar Harbor Bankshares: every quarter, Q/Q and Y/Y → Open in the app

Read automatically from the company’s XBRL cash-flow statements; quarterly figures for the fourth quarter are the year less the first three. Errors are possible. Not investment advice.