Bar Harbor Bankshares (BHB) Cash Flow: Operating & Free Cash Flow

Bar Harbor Bankshares Cash Flow Statement Analysis

Values in millions USD

Income Statement Balance Sheet Cash Flow Ratios

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Cash flow statement showing operating, investing, and financing activities for Bar Harbor Bankshares (BHB) - Annual data in millions USD
Breakdown	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020	FY 2019	FY 2018	FY 2017
Period ending	Dec 2025	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020	Dec 2019	Dec 2018	Dec 2017
Operating Activities
Net Income	36.92	43.54	44.85	43.56	39.30	33.24	22.62	32.94	25.99
Depreciation & Amortization	1.12	5.13	6.33	5.22	6.60	5.80	5.00	4.53	4.37
Deferred Income Tax	-0.06	-0.37	-0.69	-0.71	0.43	-0.04	1.02	-0.44	6.89
Stock Based Compensation	3.08	3.29	2.65	1.94	2.15	1.57	1.37	1.35	1.27
Change in Working Capital	1.83	1.25	-8.53	0.97	14.47	-2.68	6.65	-2.97	-0.65
Change in Other Working Capital	1.83	-0.57	-8.53	-3.58	-4.45	-2.68	6.65	-2.97	-0.65
Other Operating Activities	5.40	-2.11	2.79	0.34	-4.45	0.28	-6.59	2.32	2.27
Net Cash from Operating Activities	48.28	52.37	47.40	55.91	59.17	38.17	30.07	37.72	40.13
Investing Activities
Capital Expenditures	-4.81	-7.40	-6.53	-2.52	-1.72	-6.78	-9.19	-4.79	-3.16
Acquisitions	0.00	0.00	0.00	0.00	0.00	-0.34	-18.38	0.00	39.54
Purchases of Investments	-90.97	-53.50	-7.52	-109.02	-249.60	-218.32	-129.21	-147.35	-172.12
Sales/Maturities of Investments	143.36	64.39	42.18	80.87	204.28	305.03	207.65	124.74	123.18
Other Investing Activities	36.31	-152.78	-90.42	-378.22	1.03	63.15	-129.52	-16.56	-146.45
Net Cash from Investing Activities	88.71	-141.89	-62.29	-408.89	-4.75	142.75	-78.65	-43.96	-159.01
Financing Activities
Debt Repayment	-129.39	-20.01	-62.92	-20.24	-159.02	-195.30	-191.38	-105.78	60.04
Common Stock Issued	-0.83	-1.01	-0.81	-0.22	-0.62	0.00	0.00	0.00	0.00
Common Stock Repurchased	0.00	0.00	0.00	0.00	0.00	-14.19	-0.24	-0.32	-0.28
Dividends Paid	-20.40	-17.79	-16.57	-15.33	-14.07	-13.42	-13.37	-12.18	-11.51
Other Financing Activities	22.31	126.53	97.73	-5.11	142.33	211.08	211.72	132.60	152.87
Net Cash from Financing Activities	-128.31	66.83	17.43	194.89	-30.03	-11.82	6.73	14.31	201.12
Summary
Net Change in Cash	8.68	-22.68	2.55	-158.09	24.38	169.10	-41.84	8.07	82.25
Cash at Beginning of Period	72.16	94.84	92.30	250.39	226.01	56.91	98.75	90.69	8.44
Cash at End of Period	80.84	72.16	94.84	92.30	250.39	226.01	56.91	98.75	90.69
Free Cash Flow	43.47	44.98	40.87	53.39	57.45	31.40	20.89	32.93	36.98
Supplemental Disclosures
Interest Paid	-	12.45	51.97	12.45	16.35	-	-	-	-
Income Taxes Paid	-	9.86	15.03	10.60	8.86	-	-	-	-

Source: Company financial statements from annual and quarterly filings. Data as of Jun 30, 2026. Data sources and methodology

Frequently Asked Questions About Bar Harbor Bankshares Cash Flow

What is Bar Harbor Bankshares's free cash flow?

Bar Harbor Bankshares generated free cash flow of $43.47M in fiscal 2025 (fiscal year ended Dec 31, 2025), operating cash flow of $48.28M minus $4.81M of capital expenditures. That was down 3.4% from $44.98M a year earlier. Free cash flow equaled 17.9% of revenue.

How much does Bar Harbor Bankshares spend on capital expenditures?

Bar Harbor Bankshares spent $4.81M on capital expenditures in fiscal 2025, compared with $7.40M a year earlier. That equals 10.0% of operating cash flow.

Does Bar Harbor Bankshares pay dividends or buy back shares?

Yes. In fiscal 2025 Bar Harbor Bankshares returned $20.40M in dividends to shareholders, according to its cash flow statement.

What is free cash flow?

Free cash flow is operating cash flow minus capital expenditures. It is the cash a company has left for dividends, buybacks, debt repayment or acquisitions after funding its operations and investment. Full definition