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Bar Harbor Bankshares Inc. (BHB) Revenue-to-Profit Sankey Flow & SEC XBRL Financials

$41.43 +2.45% NYSE β€’ Live Quote vs Prior Daily Close (Synced Snapshot) EXT / AFTER-HRS: $41.53

Bar Harbor Bankshares Inc. (BHB) carries a Roarable Rating of C (Hold) with 65/100 RQD Confidence. The composite score sits in the neutral Hold band (59–69), meaning current holders don’t need to panic-sell while prospective buyers can wait for a move into the 70+ Buy zone.

ROARABLE C β€’ HOLD / WATCH Cap $678.0M
πŸ“€ Share Live RQD Speedometer Card: 𝕏 Post Reddit StockTwits ⬇ Live SVG Card
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πŸ€– Mara Quenwick β€’ AI Quant Lead (Click for Instant Brief) Is BHB stock a Buy, Hold, or Sell right now according to Roarable's RQD model?
β–Ό

As of 2026-11-03, Bar Harbor Bankshares Inc. (NYSE: BHB) is rated C (Hold / HOLD) by Roarable's 5-pillar RQD engine with a composite confidence score of 65/100 at a spot price of $41.43 (+2.45% 1D, market cap $678.0M). Pillar breakdown: Fundamental Cash Engine 12/20, Institutional 13F & Options Flow 13/20, SEC Balance-Sheet Forensics 13/20, FRED Macro Regime Fit 12/20, and Executive Insider Alignment 15/20. Across 1097 tracked Financials issuers, BHB ranks #243 in composite RQD confidence.

βœ“ Pre-computed one-to-many AI Quant brief
πŸ€– Ellis Vennor β€’ AI Peer & Flow Quant (Click for Instant Brief) How does BHB compare to CBNK and RRBI in the Financials sector?
β–Ό

Within the Financials sector (Major Banks), BHB carries a Roarable C (65/100 RQD), trailing P/E of 18.6x, gross margin of β€”, and ROIC of 6.9%. By comparison, CBNK (Capital Bancorp Inc.) holds a B grade (74/100 RQD, P/E 12.0x, ROIC 14.2%, cap $679.6M) and RRBI (Red River Bancshares Inc.) posts a B- grade (70/100 RQD, P/E 15.7x, ROIC 11.7%, cap $680.2M). Among the 5-stock peer group, CBNK leads on earnings multiple (12.0x) while CBNK leads on capital efficiency (14.2% ROIC).

βœ“ Pre-computed one-to-many AI Quant brief
πŸ€– Gideon Ashmere β€’ AI SEC 10-K Forensics (Click for Instant Brief) What are the biggest fundamental strengths and SEC risk factors for BHB?
β–Ό

Per BHB's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0000743367), Bar Harbor Bankshares Inc. generated $1.97B in revenue (+14.7% YoY), $36.9M in net income, and $43.5M in free cash flow against $4.68B in total assets and $0 in total debt. Key quantitative strengths: Company leadership has skin in the game with net positive insider conviction. Primary risk factors monitored: Broader market pullbacks can still drag down strong stocks in the short run. Institutional options positioning shows a 50% call / 50% put premium split.

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INTERACTIVE SCENARIO DECK:
πŸ›‘οΈ Portfolio Crash X-Ray
EXT / AFTER-HRS: $41.53 (+0.25%)🧬 Cannibal Buyback (-2.08% YoY Shares)βš™οΈ Cash Engine: 12/20 (C-) β€’ 2.2% FCF Margin
Verify 90D Bucket Audit β†’
πŸ“Š Historical Track Record: Scores of 65/100 (C) historically posted market-perform odds over rolling 90-day windows (+1.3% avg 90D alpha vs SPY β€’ 55.6% hit rate β€” wait for RQD β‰₯ 70 breakout).
Audit Bucket Track Record β†’
RQD QUANT TACHOMETERHOLD / WATCH β€’ C
025507510065
Quant Analyst Panel Split (Battleground)
Cash
SEC
Whale

Impersonal quantitative research (0–100 RQD rubric) β€” not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer

5-PILLAR RQD RADARRw C+ Β· Rk C
Cash (12)Whales (13)SEC (13)Macro (12)CEO (15)
Each axis scored 0–20
12M PRICE TARGET CONE+3.2% Base Target
$50 Bull$43 Base$33 Bear
πŸ“¬ FREE BHB RATING-CHANGE & BRIEFING ALERTSManage / Unsubscribe
WHALE OPTIONS SNAPSHOT: β€” (No Active Options Snapshot on file for BHB)Realized 20D OHLCV Swing Band: Β±4.2%
Deterministic 5-Pillar Attribution (65/100 Composite)
πŸ” WHY BHB SCORES 65/100 (C) β€” TOP 3 DRIVERS2 Bullish Pillars + #1 Risk Drag
β–² #1 Bullish Driver: Insider Conviction & Share Dilution+15/20 pts (23% of score)

SEC Form 4 / 13F Thermometer: 75% Net Buy β€’ Cannibal Buyback (-2.08% YoY Shares)

β–² #2 Bullish Driver: Whale & Options Positioning+13/20 pts (20% of score)

20D Institutional Volume Accumulation (Β±4.2% realized swing band)

β–Ό #1 Drag / Risk Factor: Macro Regime Fit12/20 pts (-8 pt drag)

Macro rate sensitivity & RSI-14 (58.5) create a -8 pt regime headwind

πŸ“ˆ PAST 4 QUARTERS RQD vs SUBSEQUENT RETURNQ1 β†’ Q2 β†’ Q3 β†’ Current
Q1 (-3Q)
57
Grade C$38.18+1.4% Next Q
Q2 (-2Q)
60
Grade C$38.71+5% Next Q
Q3 (-1Q)
62
Grade C+$40.66+1.9% Next Q
Current
65
Grade C$41.43+1.3% Hist 90D Ξ±
Trajectory: C (57) β†’ C (65)Full Audit β†’
βš”οΈ ADVERSARIAL OPPOSING CASE & FORENSIC KILL-SWITCH (WHY THE BULL/BEAR THESIS COULD FAIL)GIDEON ASHMERE // FORENSIC SHORT & KILL-SWITCH DOSSIER

βš”οΈ Adversarial Opposing Case: Why the BHB Bull Thesis Could Fail

Gideon Ashmere Forensic Desk β†’

Even with a 65/100 (C) score, BHB faces multiple-compression risk if 18.6x trailing P/E re-rate toward historical sector medians or if hyperscaler/enterprise customer concentration slows in upcoming 10-Q filings.

⚠️ Forensic Kill-Switch #1

Broader market pullbacks can still drag down strong stocks in the short run.

⚠️ Forensic Kill-Switch #2

Dilution & Margin Drag: Cannibal Buyback (-2.08% YoY Shares) β€” any gross margin slip below 49.5% triggers an automatic RQD downgrade.

⚠️ Forensic Kill-Switch #3

Technical & Forensic Kill-Switch: A daily close below the 50D SMA ($39.53) or 200D SMA ($36.49) invalidates the momentum regime and cuts Target Base ($42.74) toward Bear Floor ($33.34).

🎲 LIVE PREDICTION MARKET ODDS TIED TO $BHBβ€’ $2.4M Crowd Pool β€’ Kalshi / Polymarket Composite
Contract: β€œBHB Beats Next Quarter EPS Consensus (Dec 30, 2026) & Holds Above 200D SMA”
YES 65%NO 35%Trade / Inspect Odds β†’
VISUAL REVENUE-TO-PROFIT SANKEY WATERFALL β€’ FY 2025 (10-K)

How BHB Turns Every Dollar of Sales Into Real Bottom-Line Profit

Free Cash Flow:$43.5M (2.2% FCF Margin)
Revenue$1.97BGross Profit $1.02B (52%)Cost of Sales $944.3MOp Profit $0 (0%)OpEx (R&D/SG&A) $1.02BNet Profit$36.9M (1.9%)Tax/Other $0

Multi-Year SEC EDGAR XBRL Revenue, Net Profit & Free Cash Flow Trajectory

β–  Revenueβ–  Net Profitβ–  Free Cash Flow
FY23
Rev $201.8M
FY24
Rev $1.71B
FY25
Rev $1.97B
Fiscal YearRevenueGross MarginOp MarginNet ProfitFree Cash FlowROIC %
FY 2025$1.97B52%0%$36.9M$43.5M6.9%
FY 2024$1.71B52%0%$43.5M$45.0M6.9%
FY 2023$201.8M46.7%0%$44.9M$47.4M6.9%
ON-DEMAND RQD QUANT WORKSHOP β€’ SPONSORED / PARTNER SPOTLIGHTHosted by Perry Belcher & Roarable Forensic Quant Desk

Red-Light Warning Desk: Spotting SEC Cash-Flow & Dilution Risks Before Downgrades (Featuring BHB)

  • βœ“Walkthrough of BHB's RQD Radar, SEC cash-conversion gap & downside invalidation levels
  • βœ“3 asymmetric Bear/Hedge frameworks when 10-year Treasury yields stay elevated
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BHB // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: +21.14%πŸ“ HORIZONTAL RANGE
2026-11-03O $40.92H $41.43L $40.44C $41.43VOL 61.4K
RES: $44.55SUP: $37.52SMA50: $39.53SMA200: $36.49
$42.10$39.32$36.54$33.76$30.98RES $44.55SUP $37.52$41.432026-05-042026-06-172026-08-042026-09-182026-11-03
PRIMARY-SOURCE FORENSICS, SECOND-ORDER LINKS & AI ANALYST DESK

BHB Dilution Monitor, Expectations Hurdle, Butterfly Connections & Policy Exposure

πŸ¦‹ BHB Butterfly Map β†’ + Track BHB β†’
Share Count & Dilution Monitor

Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).

Reverse-DCF Expectations Hurdle
11.9%/yr Implied 5Y Growth

vs. +14.7% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).

Ellis Vennor Setup Ledger

No active Ellis Vennor swing setup published on BHB today. View full Setup Ledger β†’

πŸ¦‹ Documented & Second-Order Butterfly Connections Open Graph β†’

No direct multi-tier Butterfly edges indexed yet for BHB. Explore sector supply chains on /butterfly.

AI Analyst Theses, Washington Policy & Company Video
🎬 No recent verified company-specific video clip queued for BHB today (we never pad ticker pages with unrelated generic clips). Browse Macro Video Desk β†’
DETERMINISTIC MULTI-FACTOR EQUITY AUDIT β€’ SEC EDGAR XBRL Γ— RQD PEER BENCHMARK

πŸ“Š Quantitative Sector Peer Comparison, SEC Filing Delta & Investment FAQ (BHB)

Financials Rank #243 of 1097 βš”οΈ CBNK vs BHB Full Matrix β†’

1. Head-to-Head Financials Peer Comparison (BHB vs. CBNK, RRBI, MSBI, WCCB)

Industry: Major Banks (248 Tracked Issuers)

Across 1097 tracked Financials securities in the Roarable RQD universe, Bar Harbor Bankshares Inc. (BHB) ranks #243 by composite RQD confidence (65/100, grade C) and #632 by equity capitalization ($678.0M). Within this direct 5-issuer industry benchmark cohort, CBNK leads on earnings valuation at 12.0x trailing P/E, while CBNK leads on capital efficiency and profitability with 14.2% ROIC and β€” gross margin. CBNK currently holds the highest overall quantitative score in the immediate peer group at 74/100 (B) compared with BHB at 65/100 (C).

Ticker / Company Roarable Grade RQD Score Trailing P/E Gross Margin ROIC 1D Change Market Cap Head-to-Head
BHB ACTIVE
Bar Harbor Bankshares Inc.
C 65/100 18.6x β€” 6.9% +2.45% $678.0M Benchmark Subject
CBNK
Capital Bancorp Inc.
B 74/100 12.0x β€” 14.2% +3.33% $679.6M /cbnk-vs-bhb β†’
RRBI
Red River Bancshares Inc.
B- 70/100 15.7x β€” 11.7% +4.32% $680.2M /rrbi-vs-bhb β†’
MSBI
Midland States Bancorp Inc.
D+ 54/100 β€” β€” -22.0% +1.62% $682.5M /msbi-vs-bhb β†’
WCCB
West Coast Community Bancorp
C- 60/100 β€” β€” β€” +0.71% $666.2M /wccb-vs-bhb β†’

2. Multi-Year SEC XBRL Revenue, Cash Flow & Balance-Sheet Trajectory (FY2023–FY2025)

SEC EDGAR 10-K β€’ FILED 2025-12-31 β€’ CIK 0000743367 β†—

In its most recent audited fiscal period (FY2025, filed 2025-12-31), Bar Harbor Bankshares Inc. (BHB) reported GAAP revenue of $1.97B (+14.7% vs. FY2024 revenue of $1.71B , and +874.7% cumulative change since FY2023) , GAAP net income of $36.9M, operating cash flow of $48.3M, and free cash flow of $43.5M (-3.4% YoY). On the balance sheet, BHB closed FY2025 with $4.68B in total assets against $0 in total debt (Altman Z-Score: N/A, Piotroski F-Score: 4/9).

Fiscal Period Filing Date Revenue Net Income Operating Cash Flow Free Cash Flow Total Assets Total Debt
FY2025 (FY) 2025-12-31 $1.97B $36.9M $48.3M $43.5M $4.68B β€”
FY2024 (FY) 2024-12-31 $1.71B $43.5M $52.4M $45.0M $4.08B β€”
FY2023 (FY) 2023-12-31 $201.8M $44.9M $47.4M $47.4M β€” β€”

3. BHB Data-Verified Investor FAQ (RQD Rating, Sector Peers, SEC Forensics & Technicals)

βœ“ SCHEMA.ORG FAQPAGE JSON-LD ENABLED

Is BHB stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

As of 2026-11-03, Bar Harbor Bankshares Inc. (NYSE: BHB) is rated C (Hold / HOLD) by Roarable's 5-pillar RQD engine with a composite confidence score of 65/100 at a spot price of $41.43 (+2.45% 1D, market cap $678.0M). Pillar breakdown: Fundamental Cash Engine 12/20, Institutional 13F & Options Flow 13/20, SEC Balance-Sheet Forensics 13/20, FRED Macro Regime Fit 12/20, and Executive Insider Alignment 15/20. Across 1097 tracked Financials issuers, BHB ranks #243 in composite RQD confidence.

How does BHB compare to CBNK and RRBI in the Financials sector?

Within the Financials sector (Major Banks), BHB carries a Roarable C (65/100 RQD), trailing P/E of 18.6x, gross margin of β€”, and ROIC of 6.9%. By comparison, CBNK (Capital Bancorp Inc.) holds a B grade (74/100 RQD, P/E 12.0x, ROIC 14.2%, cap $679.6M) and RRBI (Red River Bancshares Inc.) posts a B- grade (70/100 RQD, P/E 15.7x, ROIC 11.7%, cap $680.2M). Among the 5-stock peer group, CBNK leads on earnings multiple (12.0x) while CBNK leads on capital efficiency (14.2% ROIC).

What are the biggest fundamental strengths and SEC risk factors for BHB?

Per BHB's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0000743367), Bar Harbor Bankshares Inc. generated $1.97B in revenue (+14.7% YoY), $36.9M in net income, and $43.5M in free cash flow against $4.68B in total assets and $0 in total debt. Key quantitative strengths: Company leadership has skin in the game with net positive insider conviction. Primary risk factors monitored: Broader market pullbacks can still drag down strong stocks in the short run. Institutional options positioning shows a 50% call / 50% put premium split.

Where is BHB trading relative to its 50-day, 200-day, and 52-week technical levels?

BHB last traded at $41.43 (+2.45% on volume of 69,510 shares), positioning the stock +4.81% above its 50-day simple moving average ($39.53) and +13.54% above its 200-day simple moving average ($36.49). Across its 52-week range of $28.50 to $41.31, BHB sits at the 100.0% percentile with a 14-day RSI of 58.5 (BULLISH MOMENTUM) and an implied next-earnings move of Β±4.2% ($39.69 to $43.17).

Direct Sub-Reports: BHB RQD Cockpit BHB 12M Forecast BHB Earnings & Move BHB Dividends & DRIP BHB Insiders & 13F BHB Whale Options BHB Profit Sankey BHB News & Why
ROARABLE RATING BRIEF β€’ RQD 65/100 (C) βœ“ SEC XBRL & RQD VERIFIED

BHB β€” Bar Harbor Bankshares Inc.: What the Facts Mean to a Prospective Investor

Methodology: RQD v6.2 Deterministic 5-Pillar & SEC XBRL Audit
Updated: 2025-12-31

1. Roarable Rating Brief: What This Means to a Prospective Investor

Bar Harbor Bankshares Inc. (BHB) earns a live Roarable RQD composite score of 65/100, corresponding to a C letter grade (Roarable Hold) at a spot price of $41.43 (+2.45% 1D, market capitalization $678.0M).

  • Fundamental Cash Engine (12/20): Anchored by return on invested capital (ROIC) of 6.9%, gross margin of β€”, operating margin of β€”, and free cash flow yield of 6.34%.
  • Whale 13F & Options Flow (13/20) + Insider Conviction (15/20): Tracks institutional 13F accumulation, CBOE options call/put positioning, and SEC Form 4 / Congressional PTR filings.
  • Macro Regime Fit (12/20) + Forensic Balance Sheet (13/20): Incorporates a 1.00x equity beta, Altman Z-Score of N/A, Piotroski F-Score of 4/9, and Debt/Equity of N/A.

2. Business Model, Unit Margins & SEC Financial Trajectory

Bar Harbor Bankshares Inc. (BHB) is a NYSE-listed issuer in the Financials sector, classified under the Major Banks industry..7B.

In its latest audited SEC EDGAR 10-K filing for FY2025 (filed 2025-12-31), Bar Harbor Bankshares Inc. (BHB) reported $1.97B in annual revenue (up from $1.71B in FY2024, +14.7% YoY) and $36.9M in GAAP net income. Over the multi-year SEC filing window from FY2023 ($201.8M revenue, $44.9M net income) through FY2025, BHB scaled operating cash flow to $48.3M and free cash flow to $43.5M, backed by $4.68B in total assets against $0 in total debt.

3. Institutional Bull vs. Bear Thesis & Valuation Tradeoff

  • πŸ‚ Primary Bull Case (C β€’ RQD 65/100): Company leadership has skin in the game with net positive insider conviction. Free cash flow yield of 6.34% and institutional whale pillar of 13/20. With Fundamental Cash Engine at 12/20 and Institutional Whale Flow at 13/20, sustained execution supports upside toward the upper end of the $28.50 – $41.31 52-week range.
  • 🐻 Primary Bear Case & Valuation Risk: Broader market pullbacks can still drag down strong stocks in the short run. Investors must weigh 18.6x trailing P/E against β€” operating margins and a 1.00x macro beta.

4. 2nd-Order Butterfly Ripples & Key Questions to Watch

Upstream and downstream dependencies, sector correlations, and second-order bottlenecks are β€” The sector is listed as Financials and the industry as Major Banks, but the source does not establish specific correlations with other names.

  • Key Question #1: Can BHB sustain or expand its β€” operating margin and 6.9% ROIC against Major Banks peers over the next 4 quarters?
  • Key Question #2: Following FY2025 revenue of $1.97B and free cash flow of $43.5M, how will capital allocation balance growth reinvestment against $0 in total debt?
  • Key Question #3: How sensitive is BHB's 17.3x forward P/E multiple to Financials capital spending cycles and macro interest-rate shifts (Beta 1.00x)?

BHB Live News Feed, Press Releases & Catalyst Wire

Real-time company headlines, analyst actions, and sector developments for Bar Harbor Bankshares Inc. (BHB) β€’ Click "Debate This Headline" to argue it in the Roar Pit below

πŸ’¬ Jump to BHB Debate Forum (3) ↓
πŸ”₯ THE ROAR PIT β€’ LIVE COMMUNITY DEBATE 3 Active Posts & Replies

BHB Bull vs. Bear Conversation Board β€” What's Your Call at $41.43?

πŸ‚ 67% BULLISH CONVICTION COMMUNITY TUG-OF-WAR ON BHB 🐻 33% BEARISH CONVICTION
1. Pick Your Side on BHB:
πŸ’‘ Tip: Back up your call with a price target or RQD metric to get upvoted to the top.
DE DeepValue_CFA RQD DEBATE OPENER β€’ Institutional Buy-Side πŸ‚ BULLISH 🎯 Target: $47.31 (+17.0%)
πŸ“Œ Pinned Debate

Insider Conviction (15/20) and a 6.34% FCF yield with a 2.97% dividend yield offer cash-return and insider-flow support at a 17.3x forw

The street is overcomplicating Bar Harbor Bankshares Inc. (BHB). Insider Conviction (15/20) and a 6.34% FCF yield with a 2.97% dividend yield offer cash-return and insider-flow support at a 17.3x forward P/E.. With an RQD score of 65/100 (C) and Forensic Balance Sheet at 13/20, any positive earnings surprise or guidance raise forces underweight funds to chase above $43.68.

CapAlloc_Nerd πŸ‚ BULL

@MultipleCompression Fair point on 18.6x trailing P/E, but you're ignoring the forward operating leverage in Major Banks. If gross margin (0.0%) holds, EPS grows into the multiple faster than bears think.

MU MultipleCompression RQD DEBATE OPENER β€’ Valuation Discipline 🐻 BEARISH 🎯 Target: $31.14 (-23.0%)
Spot @ $40.44

Reported net income fell from $44.9M to $36.9M across FY 2023–FY 2025 while Fundamental Cash Engine scored only 12 of 20 and margin and

Reported net income fell from $44.9M to $36.9M across FY 2023–FY 2025 while Fundamental Cash Engine scored only 12 of 20 and margin and revenue data are unavailable.. Look at the math on BHB: paying 18.6x trailing P/E for 6.9% ROIC and 0.0% operating margins leaves zero margin of safety if Major Banks demand softens. I'd wait for a retest of $35.59 before getting long.

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