Bar Harbor Bankshares (BHB) Financial Ratios

For fiscal 2025 (fiscal year ended Dec 31, 2025), Bar Harbor Bankshares had a P/E ratio of 14.04 (up from 10.72), return on equity of 7.4% (down from 9.8%), debt-to-equity of 0.54 (down from 0.69) and return on assets of 0.8% (down from 1.1%). Its dividend yield was 4.06% with a payout ratio of 55.3%.

Bar Harbor Bankshares Financial Ratios Analysis

Valuation, profitability, leverage, and liquidity ratios

Income Statement Balance Sheet Cash Flow Ratios

Scroll to see more

Breakdown	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period ending	Dec 2025	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Valuation Ratios
P/E Ratio	14.04	10.72	9.92	11.08	11.03	10.14
Forward P/E	8.88	11.24	10.98	9.84	10.41	12.72
P/S Ratio	3.17	3.14	2.97	3.32	3.13	2.47
P/B Ratio	0.97	1.02	1.03	1.23	1.02	0.83
Price/Tangible Book	1.38	1.39	1.45	1.80	1.46	1.21
Price/FCF	11.92	10.38	10.89	9.04	7.55	24.25
Price/OCF	10.73	8.91	9.39	8.63	7.33	16.30
PEG Ratio	1.46	1.46	1.46	1.46	1.46	-
Enterprise Value Ratios
Profitability & Returns
Return on Equity (ROE)	7.45%	9.78%	10.87%	10.66%	9.46%	8.28%
Return on Assets (ROA)	0.84%	1.08%	1.14%	1.14%	1.06%	0.90%
Leverage & Solvency Ratios
Debt/Equity	0.54	0.69	0.83	1.09	0.48	0.93
Debt/FCF	6.59	7.04	8.75	8.02	3.54	27.18
Liquidity Ratios
Efficiency Ratios
Yield & Distribution Ratios
Earnings Yield	7.12%	9.33%	10.08%	9.02%	9.06%	9.86%
FCF Yield	8.39%	9.63%	9.19%	11.06%	13.25%	4.12%
Dividend Yield	4.06%	3.86%	3.75%	3.19%	3.25%	4.72%
Payout Ratio	55.27%	40.85%	36.94%	35.20%	35.81%	40.36%
Buyback Yield	-4.21%	-0.76%	-0.55%	-0.44%	1.48%	2.02%
Total Return	-0.15%	3.10%	3.20%	2.74%	4.73%	6.75%

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 Financial Ratios

What is Bar Harbor Bankshares's P/E ratio?

Bar Harbor Bankshares's P/E ratio was 14.04 for fiscal 2025 (period ended Dec 31, 2025). It was 10.72 a year earlier.

What is Bar Harbor Bankshares's return on equity?

Bar Harbor Bankshares's return on equity (ROE) was 7.4% for fiscal 2025 (period ended Dec 31, 2025). It was 9.8% a year earlier.

What is Bar Harbor Bankshares's debt-to-equity ratio?

Bar Harbor Bankshares's debt-to-equity ratio was 0.54 for fiscal 2025 (period ended Dec 31, 2025). It was 0.69 a year earlier.

What is return on equity (ROE)?

Return on equity is net income divided by shareholders' equity. It measures how much profit a company generates from the capital its shareholders have invested. Full definition