NYSE$BHB

Bar Harbor Bankshares · Q3 2023 earnings

Q3 2023 earnings · · Investor relations

Briefing

Reported net income of $11.1 million, with diluted EPS of $0.73, driven by consistent performance and strategic balance sheet management.

Bar Harbor Bankshares reported a solid third quarter with net income of $11.1 million, or $0.73 per diluted share. The company focused on managing funding costs and selectively growing high-quality loan relationships, while non-performing assets remained low and deposit beta was well-managed.

  • Net income reached $11.1 million, or $0.73 per diluted share.
  • Net interest income increased to $29.2 million.
  • Non-performing assets remained low at 0.17% of total assets.
  • Opened 1,740 non-maturity accounts.

Headline financials

Total Revenue

$38M

Previous: $38.7M-1.9%
EPS (adj)

$0.73

Previous: $0.76-3.9%
Efficiency Ratio

59.0%

Previous: 58.0%+1.7%
Capital Expenditures

-$3.65M

Previous: -$1.84M-98.2%
Free Cash Flow

$7.45M

Previous: $9.59M-22.3%
Net Income

$11.1M

Previous: $11.4M-2.9%
Operating Income

$13.4M

Previous: $26.6M-49.7%
Gross Profit

$38M

Previous: $38.7M-1.9%
Cash & Equivalents

$123M

Previous: $82.1M+49.7%
Total Assets

$3.98B

Previous: $3.84B+3.7%
Stock-Based Comp

$713K

Previous: $622K+14.6%

Revenue & EPS history

Bar Harbor Bankshares · Revenue · Quarterly

$38M

Q3 2023-1.9%vs Q3 2022
Beat estimate in 10 of 15 quarters(67%)
ActualEstimate

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' management expressed confidence in the company's ability to execute its business strategies and deliver shareholder returns amid volatile market conditions.

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 Q3 2023

Historical avgQ3 2023

-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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