NYSE$BHB

Bar Harbor Bankshares · Q4 2024 earnings

Q4 2024 earnings · · Investor relations

Briefing

Bar Harbor Bankshares reported Q4 2024 results, with net income increasing compared to the same quarter of the previous year and declared dividend.

Bar Harbor Bankshares reported a net income of $11.0 million, or $0.72 per diluted share, for the fourth quarter of 2024, compared to a net income of $9.9 million, or $0.65 per diluted share, for the same quarter in 2023. The company's commercial loan growth was 14% annualized and the net interest margin was 3.17%.

  • Net income increased to $11.0 million, or $0.72 per diluted share, compared to $9.9 million, or $0.65 per diluted share, in Q4 2023.
  • Return on assets was 1.09%.
  • Commercial loan growth reached 14% annualized.
  • Net interest margin was 3.17%.

Headline financials

Total Revenue

$38.5M

Previous: $37.6M+2.2%
EPS (adj)

$0.72

Previous: $0.68+5.9%
Net Income

$11M

Previous: $9.95M+10.6%

Revenue & EPS history

Bar Harbor Bankshares · Revenue · Quarterly

$38.5M

Q4 2024+2.2%vs Q4 2023
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

As we enter 2025, we continue to actively manage the balance sheet, investing excess liquidity diligently without compromising our credit or interest rate risk appetites. We are excited about this new year and feel we are well positioned financially, culturally and reputation wise.

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 Q4 2024

Historical avgQ4 2024

-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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