earnings
confidence high
sentiment positive
materiality 0.65
Bar Harbor Bankshares Q3 2026 net income $16.1M, EPS $0.96; core EPS $1.04, NIM 3.77%
BAR HARBOR BANKSHARES
- GAAP net income $16.1M, or $0.96 diluted EPS; core earnings $17.5M, or $1.04 per diluted share, vs Q2 2026 GAAP $15.2M/$0.91 and core $15.4M/$0.92.
- Net interest margin 3.77% vs 3.61% in Q2 2026 and 3.56% a year earlier; ROA 1.35%, core ROA 1.47%, efficiency ratio 55.26%.
- Board declared quarterly cash dividend of $0.34/share, record Nov. 19, 2026, payable Dec. 18, 2026; equals 3.52% yield based on $38.69 Sept. 30 close.
- Total deposits rose $84.0M to $3.9B, up 9% annualized; borrowings fell $123.7M to $157.4M, including $20.0M subordinated debt redemption.
- Provision for credit losses was a $167K recapture vs a $3.7M provision a year earlier; AFS unrealized losses widened to $72.9M from $45.0M at Q2.