Filing Flows › Bar Harbor Bankshares (BHB) › Q3 2026
Bar Harbor Bankshares (BHB) Q3 2026 earnings results (third quarter 2026)
10-Q filed Nov 9, 2026
Bar Harbor Bankshares (BHB) reported revenue of $51.6M for the third quarter 2026 (Q3 2026), +8% from a year earlier and +4% from the quarter before. Operating margin was 39.5%, net earnings $16.1M (31.2% of revenue).
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 follows the revenue to costs, profit and cash.
| Q3 2026 | Amount | Q/Q | Y/Y |
|---|---|---|---|
| Revenue | $51.6M | +4% | +8% |
| Operating profit | $20.4M | +6% | +84% |
| Net earnings | $16.1M | +6% | +82% |
| Operating cash flow | $18.8M | -26% | +14% |
| Free cash flow | $17.3M | -21% | +12% |
What changed
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.
Questions
What was Bar Harbor Bankshares' revenue in the third quarter 2026?
Bar Harbor Bankshares (BHB) reported revenue of $51.6M for the third quarter 2026 (Q3 2026), +8% from a year earlier and +4% from the quarter before.
Was Bar Harbor Bankshares profitable in the third quarter 2026?
Operating profit was $20.4M (39.5% of revenue) and net earnings $16.1M.