Bar Harbor Bankshares Inc (BHB) — Cash Flow Quality Index
Bar Harbor Bankshares Inc (BHB) has a Cash Flow Quality Index of 0.37x as of March 2026. Operating cash flow of $5.02 Million is below net income of $13.54 Million, suggesting accrual-heavy earnings not yet converted to cash. Explore Bar Harbor Bankshares Inc (BHB) debt coverage ratio to assess how comfortably operating cash covers total debt obligations.
Cash Flow Quality Index
Operating Cash Flow
Net Income
Data as of
Bar Harbor Bankshares Inc Cash Flow Quality Index (1995–2025)
Historical Cash Flow Quality Index for Bar Harbor Bankshares Inc across 31 annual periods. Values consistently above 1.0x indicate high-quality earnings. For the full cash flow conversion analysis, see BHB cash generation efficiency.
Annual Cash Flow Quality Index for Bar Harbor Bankshares Inc (1995–2025)
Year-by-year earnings quality comparison for Bar Harbor Bankshares Inc.
| Year | Quality Index | Operating CF (USD) | Net Income | YoY Change |
|---|---|---|---|---|
| 2025 | 1.31x | $48.28 Million | $36.92 Million | ▲ +8.7% |
| 2024 | 1.20x | $52.37 Million | $43.54 Million | ▲ +13.8% |
| 2023 | 1.06x | $47.40 Million | $44.85 Million | ▼ -20.1% |
| 2022 | 1.32x | $57.60 Million | $43.56 Million | ▼ -14.1% |
| 2021 | 1.54x | $60.48 Million | $39.30 Million | ▲ +34.0% |
| 2020 | 1.15x | $38.17 Million | $33.24 Million | ▼ -28.6% |
| 2019 | 1.61x | $36.40 Million | $22.62 Million | ▲ +40.5% |
| 2018 | 1.15x | $37.72 Million | $32.94 Million | ▼ -25.8% |
| 2017 | 1.54x | $40.13 Million | $25.99 Million | ▲ +37.3% |
| 2016 | 1.12x | $16.79 Million | $14.93 Million | ▼ -16.2% |
| 2015 | 1.34x | $20.33 Million | $15.15 Million | ▲ +26.2% |
| 2014 | 1.06x | $15.53 Million | $14.61 Million | ▼ -35.0% |
| 2013 | 1.64x | $21.56 Million | $13.18 Million | ▼ -3.3% |
| 2012 | 1.69x | $21.09 Million | $12.47 Million | ▲ +15.8% |
| 2011 | 1.46x | $16.14 Million | $11.04 Million | ▲ +13.4% |
| 2010 | 1.29x | $13.74 Million | $10.66 Million | ▲ +96.6% |
| 2009 | 0.66x | $6.78 Million | $10.35 Million | ▼ -53.6% |
| 2008 | 1.41x | $10.92 Million | $7.73 Million | ▲ +23.7% |
| 2007 | 1.14x | $8.17 Million | $7.16 Million | ▼ -0.3% |
| 2006 | 1.15x | $7.88 Million | $6.88 Million | ▼ -0.3% |
| 2005 | 1.15x | $7.38 Million | $6.42 Million | ▼ -25.6% |
| 2004 | 1.55x | $8.86 Million | $5.73 Million | ▲ +20.0% |
| 2003 | 1.29x | $6.70 Million | $5.21 Million | ▼ -12.6% |
| 2002 | 1.47x | $6.72 Million | $4.57 Million | ▼ -30.8% |
| 2001 | 2.13x | $7.47 Million | $3.51 Million | ▲ +54.6% |
| 2000 | 1.38x | $6.60 Million | $4.80 Million | ▲ +31.7% |
| 1999 | 1.05x | $6.51 Million | $6.22 Million | ▲ +6.1% |
| 1998 | 0.98x | $6.50 Million | $6.60 Million | ▼ -29.2% |
| 1997 | 1.39x | $8.90 Million | $6.40 Million | ▲ +15.0% |
| 1996 | 1.21x | $8.10 Million | $6.70 Million | ▼ -9.1% |
| 1995 | 1.33x | $7.82 Million | $5.88 Million | — |