NYSE$BHB

Bar Harbor Bankshares · Q2 2020 earnings

Q2 2020 earnings · · Investor relations

Briefing

Bar Harbor Bankshares' performance improved, marked by increased profitability and strategic balance sheet management.

Bar Harbor Bankshares reported a strong second quarter with net income up 41% year-over-year, driven by growth in commercial loans, non-maturity deposits, and an improved net interest margin. The company actively managed its balance sheet and maintained strong credit quality.

  • Net income increased by 41% compared to the same quarter of the previous year.
  • Commercial loans exhibited 18% annualized growth, excluding PPP loans.
  • Non-maturity deposits grew by 32% annualized, excluding PPP loan balances.
  • Net interest margin improved to 3.00% from 2.65%.

Headline financials

Total Revenue

$34.3M

Previous: $28.9M+18.5%
EPS (adj)

$0.56

Previous: $0.41+36.6%
Net Interest Margin

3.0%

Previous: 2.6%+13.2%
Efficiency Ratio

60.7%

No prior period
Capital Expenditures

-$2.22M

Previous: -$3.35M+33.7%
Free Cash Flow

$6.26M

Previous: $2.77M+126.4%
Net Income

$8.48M

Previous: $6.12M+38.6%
Operating Income

$20M

Previous: $9.83M+103.3%
Gross Profit

$34.3M

Previous: $28.9M+18.5%
Cash & Equivalents

$70.7M

Previous: $59.9M+18.1%
Total Assets

$3.78B

Previous: $3.69B+2.5%
Stock-Based Comp

$466K

Previous: $470K-0.9%

Revenue & EPS history

Bar Harbor Bankshares · Revenue · Quarterly

$34.3M

Q2 2020+18.5%vs Q2 2019

Revenue by segment

Bar Harbor Bankshares · $7.45M total across 2 segments · Q3 2023

  • Customer Fees
    $3.93M
  • Trust Mgmt Fees
    $3.52M

Forward guidance

Bar Harbor Bankshares anticipates that unknown volatility in economic conditions and financial markets could impact the financial performance of the Company. The Company will be disciplined and nimble, ready to take action and remain committed to profitability and tangible book value growth, navigating expense management and positive operating leverage during this period.

Historical earnings impact

How earnings announcements have historically affected this stock's price.

Avg. return before/after earnings

Based on 20 quarterly earnings reports · overlaid with Q2 2020

Historical avgQ2 2020

-0.4%

Avg return

Earnings day

+0.0%

Avg return

5 days after

+1.5%

Avg return

30 days after

38%

25 / 66 earnings

Positive

+10.0%

Q3 2024

Best reaction

-8.4%

Q1 2020

Worst reaction

Earnings price reactions
QuarterReport dateReaction (Day 0)+5 days+30 days
Q1 2026+1.6%+1.2%+1.9%
Q4 2025-1.8%-4.7%+0.6%
Q3 2025-1.9%-0.4%+0.4%
Q2 2025-2.3%-2.4%+2.9%
Q1 2025-3.2%+0.7%+5.6%
Q4 2024+1.8%+3.9%+5.8%
Q3 2024+10.0%+8.0%+18.0%
Q2 2024-4.4%+3.0%-7.6%
Q1 2024+7.4%+6.6%+16.2%
Q4 2023-3.9%-2.2%-10.4%
Q3 2023+2.5%+0.6%+9.6%
Q2 2023-3.8%-2.2%-3.8%
Q1 2023-3.1%-3.5%-5.6%
Q4 2022+1.3%+0.4%-12.5%
Q3 2022+3.0%+4.6%+7.2%
Q2 2022-1.0%+1.1%+6.5%
Q1 2022-5.0%-6.4%-13.0%
Q4 2021-0.5%+1.9%-3.9%
Q3 2021+2.3%+3.2%+6.5%
Q2 2021+4.2%+6.1%-3.2%
Q1 2021-3.1%-3.5%+2.5%
Q4 2020-1.2%+3.2%+28.5%
Q3 2020-6.3%-6.9%+12.0%
Q2 2020-0.0%-1.8%+0.3%
Q1 2020-8.4%-13.7%-3.1%
Q4 2019-1.6%-4.5%-8.5%
Q3 2019-3.4%-1.6%-0.9%
Q2 2019-0.7%+1.0%-6.6%
Q1 2019-0.8%+1.1%-1.2%
Q4 2018-0.5%-0.6%+4.3%
Q3 2018+1.6%+1.3%-7.2%
Q2 2018+0.8%+0.9%-0.9%
Q1 2018-0.3%+2.8%+5.4%
Q4 2017+0.8%+2.3%+4.2%
Q3 2017-3.8%-4.2%-4.6%
Q2 2017-1.8%-6.2%-6.3%
Q1 2017-1.4%-4.8%-4.3%
Q4 2016+2.3%+10.1%-2.3%
Q3 2016+0.4%+8.8%+26.7%
Q2 2016-0.2%-1.2%+2.6%
Q1 2016-1.8%
Q4 2015-1.4%
Q3 2015+1.6%
Q2 2015-0.4%
Q1 2015+1.1%
Q4 2014-1.5%
Q3 2014+1.4%
Q2 2014+0.0%
Q1 2014+1.3%
Q4 2013+0.1%
Q3 2013+0.4%
Q2 2013-1.7%
Q2 2010-2.2%
Q2 2011-2.2%
Q1 2013-2.7%
Q1 2011+0.4%
Q4 2012+0.0%
Q3 2012-0.2%
Q2 2012-1.1%
Q1 2012-0.1%
Q4 2011+1.1%
Q4 2009+1.1%
Q4 2010+1.1%
Q3 2010-0.3%
Q3 2011-0.3%
Q1 2010+5.4%

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