Filing Flows › Bar Harbor Bankshares (BHB) › Q3 2026 › vs Q3 2025
Bar Harbor Bankshares (BHB) Q3 2026 vs Q3 2025 (year over year)
Bar Harbor Bankshares's revenue rose $4.0M (+8%) from $47.5M in Q3 2025 to $51.6M in Q3 2026. The biggest changes: Net interest income +$3.8M (+10%); Noninterest income +$280K (+3%). Operating margin 39.5% against 23.2% (+16.3 pts).
Bar Harbor Bankshares, Q3 2026: revenue $51.6M (+8% year over year), operating margin 39.5%, net earnings $16.1M, operating cash flow $18.8M. The chart draws each line against Q3 2025, the increases inside each band.
Margins
| Q3 2026 | Q3 2025 | Change | |
|---|---|---|---|
| Operating margin | 39.5% | 23.2% | +16.3 pts |
| Net margin | 31.2% | 18.6% | +12.6 pts |
| Free cash flow margin | 33.5% | 32.5% | +1.0 pts |
Every line
| Line | Q3 2026 | Q3 2025 | Change | % |
|---|---|---|---|---|
| Net interest income | $40.7M | $37.0M | $3.8M | +10% |
| Noninterest income | $10.8M | $10.6M | $280K | +3% |
| Revenue | $51.6M | $47.5M | $4.0M | +8% |
| Operating profit | $20.4M | $11.0M | $9.3M | +84% |
| Costs & expenses | $31.2M | $36.5M | −$5.3M | -14% |
| Pre-tax earnings | $20.4M | $11.0M | $9.3M | +84% |
| Net earnings | $16.1M | $8.9M | $7.2M | +82% |
| Income tax | $4.3M | $2.2M | $2.1M | +96% |
| Depreciation & amortization | $1.8M | $1.5M | $232K | +15% |
| Share-based compensation | $698K | $932K | −$234K | -25% |
| Working capital & other | $212K | $5.2M | −$5.0M | -96% |
| Operating cash flow | $18.8M | $16.5M | $2.2M | +14% |
| Free cash flow (OCF − capex) | $17.3M | $15.4M | $1.8M | +12% |
| Capital expenditures | $1.5M | $1.1M | $406K | +37% |
Questions
How much did Bar Harbor Bankshares's revenue grow year over year in Q3 2026?
Bar Harbor Bankshares's revenue rose $4.0M (+8%) from $47.5M in Q3 2025 to $51.6M in Q3 2026.
What drove Bar Harbor Bankshares's revenue change in Q3 2026?
Net interest income +$3.8M (+10%); Noninterest income +$280K (+3%).