Bar Harbor Bankshares Inc Net Assets
Bar Harbor Bankshares Inc net assets. Based on the latest financial reports, Bar Harbor Bankshares Inc (BHB) has net assets worth $537.94 Million USD as of March 2026. Net assets (also known as shareholders' equity or book value) represent the difference between a company's total assets ($4.68 Billion) and total liabilities ($4.14 Billion). This figure indicates the residual interest in the assets after deducting liabilities, essentially showing what would remain for shareholders if all assets were liquidated and all debts paid off. Also explore net asset growth rate of Bar Harbor Bankshares Inc to track the company's year-over-year net asset growth rate.
Key Net Assets Metrics
| Metric | Value |
|---|---|
| Current Net Assets | $537.94 Million |
| % of Total Assets | 11.5% |
| Annual Growth Rate | 9.69% |
| 5-Year Change | 25.56% |
| 10-Year Change | 239.76% |
| Growth Volatility | 25.36 |
Net Assets of Bar Harbor Bankshares Inc (1995–2025)
Net assets of Bar Harbor Bankshares Inc from 1995 to 2025. This chart illustrates how Bar Harbor Bankshares Inc's net assets have evolved over time, based on quarterly financial data. See how leveraged is Bar Harbor Bankshares Inc's balance sheet to measure how much of total assets are equity-financed.
Annual Net Assets for Bar Harbor Bankshares Inc (1995–2025)
The table below shows the annual net assets of Bar Harbor Bankshares Inc from 1995 to 2025. For live market cap and overall valuation, see Bar Harbor Bankshares Inc (BHB) total market value.
| Year | Net Assets | Change |
|---|---|---|
| 2025-12-31 | $532.54 Million | +16.17% |
| 2024-12-31 | $458.43 Million | +6.10% |
| 2023-12-31 | $432.06 Million | +9.81% |
| 2022-12-31 | $393.45 Million | -7.24% |
| 2021-12-31 | $424.15 Million | +3.11% |
| 2020-12-31 | $411.34 Million | +3.77% |
| 2019-12-31 | $396.41 Million | +6.97% |
| 2018-12-31 | $370.58 Million | +4.49% |
| 2017-12-31 | $354.64 Million | +126.26% |
| 2016-12-31 | $156.74 Million | +1.68% |
| 2015-12-31 | $154.15 Million | +5.38% |
| 2014-12-31 | $146.29 Million | +20.52% |
| 2013-12-31 | $121.38 Million | -5.21% |
| 2012-12-31 | $128.05 Million | +8.51% |
| 2011-12-31 | $118.00 Million | +13.89% |
| 2010-12-31 | $103.61 Million | -8.73% |
| 2009-12-31 | $113.51 Million | +73.45% |
| 2008-12-31 | $65.44 Million | -0.80% |
| 2007-12-31 | $65.97 Million | +8.06% |
| 2006-12-31 | $61.05 Million | +8.82% |
| 2005-12-31 | $56.10 Million | +0.11% |
| 2004-12-31 | $56.04 Million | +5.51% |
| 2003-12-31 | $53.12 Million | -1.34% |
| 2002-12-31 | $53.84 Million | +2.47% |
| 2001-12-31 | $52.54 Million | +4.02% |
| 2000-12-31 | $50.51 Million | +2.77% |
| 1999-12-31 | $49.15 Million | +4.79% |
| 1998-12-31 | $46.90 Million | +10.35% |
| 1997-12-31 | $42.50 Million | +12.14% |
| 1996-12-31 | $37.90 Million | +14.01% |
| 1995-12-31 | $33.24 Million | -- |
Equity Component Analysis
This analysis shows how different components contribute to Bar Harbor Bankshares Inc's total equity over time. Equity components include common stock, retained earnings, additional paid-in capital, and other elements.
Equity Composition Insights
- Retained earnings have grown by 1236.4% over the analyzed period, indicating profitable operations and earnings retention.
Bar Harbor Bankshares Inc Net Assets Breakdown (December 2025)
Bar Harbor Bankshares Inc net assets breakdown by equity component as of December 2025.
| Component | Amount | Percentage |
|---|---|---|
| Retained Earnings | $314.37 Million | 59.03% |
| Common Stock | $35.47 Million | 6.66% |
| Other Comprehensive Income | $-35.41 Million | -6.65% |
| Other Components | $218.11 Million | 40.96% |
| Total Equity | $532.54 Million | 100.00% |
Bar Harbor Bankshares Inc Competitors by Market Cap
The table below lists competitors of Bar Harbor Bankshares Inc ranked by their market capitalization.
| Company | Market Cap |
|---|---|
|
Dongrui Food Group Co Ltd
SHE:001201
|
$580.54 Million |
|
Bouvet
OL:BOUV
|
$580.59 Million |
|
Limbach Holdings Inc
NASDAQ:LMB
|
$580.75 Million |
|
Fuda Alloy Materials Co Ltd
SHG:603045
|
$580.92 Million |
|
Solomon Technology Corp
TW:2359
|
$580.41 Million |
|
Waga Energy SA
PA:WAGA
|
$580.29 Million |
|
Daishin Sec
KO:003540
|
$580.27 Million |
|
COGNYTE SOFTWARE LTD
F:81M
|
$580.12 Million |
Equity Growth Attribution
This analysis shows how different factors contributed to changes in Bar Harbor Bankshares Inc's equity between the two most recent reporting periods.
Equity Growth Insights
- From 2024 to 2025, total equity changed from 458,428,000 to 532,541,000, a change of 74,113,000 (16.2%).
- Net income of 36,919,000 contributed positively to equity growth.
- Dividend payments of 20,404,000 reduced retained earnings.
- Share repurchases of 827,000 reduced equity.
- Other comprehensive income increased equity by 16,127,000.
- Other factors increased equity by 42,298,000.
Equity Change Factors (2024 to 2025)
| Factor | Impact | Contribution |
|---|---|---|
| Net Income | $36.92 Million | +6.93% |
| Dividends Paid | $20.40 Million | -3.83% |
| Share Repurchases | $827.00K | -0.16% |
| Other Comprehensive Income | $16.13 Million | +3.03% |
| Other Changes | $42.30 Million | +7.94% |
| Total Change | $- | 16.17% |
Book Value vs Market Value Analysis
This analysis compares Bar Harbor Bankshares Inc's book value (net assets) with its market value over time. The relationship between these values can provide insights into investor sentiment and company valuation.
Valuation Insights
- Current price-to-book ratio: 1.09x
- The company is trading above its book value, indicating the market recognizes value beyond its reported assets.
- The price-to-book ratio has decreased from 8.04x to 1.09x over the analyzed period, indicating reduced market premium.
Historical Price-to-Book Ratios
| Date | Book Value per Share | Market Price | P/B Ratio |
|---|---|---|---|
| 1995-12-31 | $4.31 | $34.67 | x |
| 1996-12-31 | $4.63 | $34.67 | x |
| 1997-12-31 | $5.49 | $34.67 | x |
| 1998-12-31 | $6.07 | $34.67 | x |
| 1999-12-31 | $6.32 | $34.67 | x |
| 2000-12-31 | $6.68 | $34.67 | x |
| 2001-12-31 | $7.05 | $34.67 | x |
| 2002-12-31 | $7.34 | $34.67 | x |
| 2003-12-31 | $7.37 | $34.67 | x |
| 2004-12-31 | $7.76 | $34.67 | x |
| 2005-12-31 | $7.87 | $34.67 | x |
| 2006-12-31 | $8.69 | $34.67 | x |
| 2007-12-31 | $9.42 | $34.67 | x |
| 2008-12-31 | $9.67 | $34.67 | x |
| 2009-12-31 | $16.91 | $34.67 | x |
| 2010-12-31 | $12.03 | $34.67 | x |
| 2011-12-31 | $13.52 | $34.67 | x |
| 2012-12-31 | $14.52 | $34.67 | x |
| 2013-12-31 | $13.65 | $34.67 | x |
| 2014-12-31 | $16.32 | $34.67 | x |
| 2015-12-31 | $16.96 | $34.67 | x |
| 2016-12-31 | $17.14 | $34.67 | x |
| 2017-12-31 | $23.19 | $34.67 | x |
| 2018-12-31 | $23.81 | $34.67 | x |
| 2019-12-31 | $25.43 | $34.67 | x |
| 2020-12-31 | $26.94 | $34.67 | x |
| 2021-12-31 | $28.19 | $34.67 | x |
| 2022-12-31 | $26.04 | $34.67 | x |
| 2023-12-31 | $28.43 | $34.67 | x |
| 2024-12-31 | $29.94 | $34.67 | x |
| 2025-12-31 | $31.78 | $34.67 | x |
Capital Efficiency Dashboard
This dashboard shows how efficiently Bar Harbor Bankshares Inc utilizes its equity to generate returns, including Return on Equity (ROE) and its components based on the DuPont analysis framework.
Capital Efficiency Insights
- Current Return on Equity (ROE): 6.93%
- The company has moderate efficiency in generating returns from equity.
- DuPont Analysis Breakdown:
- • Net Profit Margin: 15.17%
- • Asset Turnover: 0.05x
- • Equity Multiplier: 8.80x
- Recent ROE (6.93%) is below the historical average (10.42%), suggesting potential challenges in capital efficiency.
Historical Capital Efficiency Metrics
| Year | Return on Equity | Net Profit Margin | Asset Turnover | Equity Multiplier | Economic Value Added |
|---|---|---|---|---|---|
| 1995 | 17.68% | 50.53% | 0.04x | 9.82x | $2.55 Million |
| 1996 | 17.68% | 31.60% | 0.06x | 9.11x | $2.91 Million |
| 1997 | 15.06% | 19.10% | 0.10x | 8.06x | $2.15 Million |
| 1998 | 14.07% | 18.91% | 0.09x | 8.36x | $1.91 Million |
| 1999 | 12.67% | 16.47% | 0.08x | 9.30x | $1.31 Million |
| 2000 | 9.50% | 11.31% | 0.09x | 9.23x | $-253.70K |
| 2001 | 6.68% | 8.48% | 0.08x | 9.27x | $-1.74 Million |
| 2002 | 8.48% | 11.80% | 0.07x | 10.29x | $-818.60K |
| 2003 | 9.80% | 13.86% | 0.06x | 10.99x | $-104.50K |
| 2004 | 10.23% | 14.89% | 0.06x | 11.90x | $127.80K |
| 2005 | 11.45% | 14.73% | 0.06x | 13.33x | $813.60K |
| 2006 | 11.27% | 12.97% | 0.06x | 13.51x | $773.90K |
| 2007 | 10.85% | 12.39% | 0.06x | 13.48x | $557.60K |
| 2008 | 11.81% | 12.88% | 0.06x | 14.86x | $1.19 Million |
| 2009 | 9.12% | 17.14% | 0.06x | 9.45x | $-1.00 Million |
| 2010 | 10.29% | 17.92% | 0.05x | 10.79x | $301.20K |
| 2011 | 9.36% | 19.24% | 0.05x | 9.89x | $-757.00K |
| 2012 | 9.74% | 21.43% | 0.04x | 10.18x | $-338.60K |
| 2013 | 10.86% | 22.76% | 0.04x | 11.32x | $1.05 Million |
| 2014 | 9.99% | 23.94% | 0.04x | 9.98x | $-15.70K |
| 2015 | 9.83% | 23.60% | 0.04x | 10.25x | $-262.20K |
| 2016 | 9.53% | 21.38% | 0.04x | 11.20x | $-741.00K |
| 2017 | 7.33% | 18.30% | 0.04x | 10.05x | $-9.47 Million |
| 2018 | 8.89% | 21.20% | 0.04x | 9.74x | $-4.12 Million |
| 2019 | 5.71% | 13.75% | 0.04x | 9.26x | $-17.02 Million |
| 2020 | 8.08% | 19.66% | 0.05x | 9.06x | $-7.89 Million |
| 2021 | 9.27% | 25.67% | 0.04x | 8.75x | $-3.12 Million |
| 2022 | 11.07% | 27.02% | 0.04x | 9.94x | $4.21 Million |
| 2023 | 10.38% | 29.82% | 0.04x | 9.19x | $1.65 Million |
| 2024 | 9.50% | 19.40% | 0.05x | 8.91x | $-2.30 Million |
| 2025 | 6.93% | 15.17% | 0.05x | 8.80x | $-16.34 Million |
Industry Comparison
This section compares Bar Harbor Bankshares Inc's net assets metrics with peer companies in the Banks - Regional industry.
Industry Context
- Industry: Banks - Regional
- Average net assets among peers: $308,911,800
- Average return on equity (ROE) among peers: 0.08%
Peer Company Comparison
| Company | Net Assets | Return on Equity | Debt-to-Equity | Market Cap |
|---|---|---|---|---|
| Bar Harbor Bankshares Inc (BHB) | $537.94 Million | 17.68% | 7.69x | $580.45 Million |
| Ameris Bancorp (ABCB) | $71.80 Million | 9.61% | 9.10x | $4.95 Billion |
| Ameris Bancorp (ABCB) | $30.50 Million | 10.16% | 8.60x | $5.57 Billion |
| ACNB Corporation (ACNB) | $62.69 Million | 13.30% | 9.05x | $645.30 Million |
| Affinity Bancshares Inc (AFBI) | $76.38 Million | 0.59% | 3.01x | $140.18 Million |
| Alerus Financial Corp (ALRS) | $196.95 Million | 13.13% | 10.06x | $829.34 Million |
| Amalgamated Bank (AMAL) | $794.46 Million | 13.15% | 10.16x | $1.27 Billion |
| Amerant Bancorp Inc. (AMTB) | $901.22 Million | 12.53% | 7.48x | $979.96 Million |
| Arrow Financial Corporation (AROW) | $34.90 Million | -95.70% | 21.06x | $715.76 Million |
| Associated Banc-Corp (ASB) | $803.60 Million | 13.32% | 11.60x | $5.84 Billion |
| AmeriServ Financial Inc (ASRV) | $116.60 Million | 10.72% | 9.65x | $77.09 Million |
About Bar Harbor Bankshares Inc
Bar Harbor Bankshares operates as the holding company for Bar Harbor Bank & Trust that provides banking and nonbanking products and services primarily to consumers and businesses. The company offers deposit products, including interest-bearing and non-interest-bearing demand accounts, savings accounts, time deposits, and money market deposit accounts, as well as certificates of deposit. It also p… Read more