Revenue: As of FY2026 Q1, the actual value is USD 47.29 M.EPS: As of FY2026 Q1, the actual value is USD 0.81, missing the estimate of USD 0.86.EBIT: As of FY2026 Q1, the actual value is USD 35.53 M.<h3>Operational Metrics</h3><ul><li>Quarterly Cash Dividend: Bar Harbor Bankshares’ Board of Directors declared a quarterly cash dividend of $0.34 per share, payable on June 18, 2026, to shareholders of record on May 21, 2026 . This represents an increase of $0.02 per share from the previous quarter’s $0.32 per share .</li><li>Share Repurchase Plan: The Board of Directors approved a repurchase plan for up to 5% of its outstanding common stock, approximately 837,000 shares as of March 31, 2025, which remains subject to regulatory approval and is authorized for up to twelve months .</li><li>GAAP Net Income: Bar Harbor 银行 reported $13.5 million in Q1 2026, compared to $11.8 million in Q4 2025 .</li><li>Core Earnings (Non-GAAP): Core earnings were $14.7 million in Q1 2026, compared to $15.5 million in Q4 2025 .</li><li>Net Interest Margin: The net interest margin was 3.54% in Q1 2026, an increase from 3.17% in Q1 2025 .</li><li>Return on Assets (GAAP): Was 1.18% in Q1 2026 .</li><li>Core Return on Assets (Non-GAAP): Was 1.28% in Q1 2026 .</li><li>Return on Equity (GAAP): Was 10.13% in Q1 2026 .</li><li>Core Return on Equity (Non-GAAP): Was 11.03% in Q1 2026 .</li><li>Efficiency Ratio (Non-GAAP): Was 56.92% in Q1 2026, an improvement from 57.24% in Q4 2025 .</li><li>New Customer Accounts: Over 1,500 new customer accounts were opened during the quarter .</li></ul><h3>Financial Condition (Q1 2026 vs Q4 2025)</h3><ul><li>Total Assets: Remained constant at $4.7 billion at the end of Q1 2026 .</li><li>Total Cash and Cash Equivalents: Increased to $82.2 million at the end of Q1 2026, from $80.8 million at the end of Q4 2025 .</li><li>Interest-earning deposits with other banks: Increased to $46.6 million at the end of Q1 2026, from $35.9 million at the end of Q4 2025 .</li><li>Available-for-sale debt securities: Were $598.0 million at the end of Q1 2026, compared to $597.4 million at the end of Q4 2025 . Portfolio unrealized losses increased to $45.7 million from $41.7 million in Q4 2025 .</li><li>Federal Home Loan Bank stock: Decreased by $1.7 million to $9.6 million at the end of Q1 2026, from $11.3 million at the end of Q4 2025 .</li><li>Total Loans: Decreased by $20.6 million to $3.6 billion in Q1 2026 compared to Q4 2025 . Commercial real estate loans decreased $30.2 million, residential real estate loans decreased $8.1 million, while commercial and industrial loans increased 24% on an annualized basis . Loans held for sale were $11.5 million in Q1 2026, up from $5.3 million in Q4 2025 .</li><li>Allowance for Credit Losses (ACL) on loans: Remained stable at $34.3 million at the end of Q1 2026, compared to $34.1 million at the end of Q4 2025 . The ACL to total loans coverage ratio was 0.96% in Q1 2026, similar to 0.94% in Q4 2025 .</li><li>Premises and equipment: Increased to $58.9 million in Q1 2026, from $58.2 million at the end of Q4 2025 .</li><li>Bank owned life insurance: Decreased $6.4 million, or 7%, due to death benefit payouts .</li><li>Total Deposits: Were $3.9 billion at the end of Q1 2026, an increase from $3.8 billion at the end of Q4 2025 . Non-maturity deposits from new customers increased by $17.2 million, and time deposits increased by $8.2 million, including $4.8 million from new customers and an $18.0 million increase in brokered deposits .</li><li>Total Borrowings: Decreased $53.9 million to $215.7 million in Q1 2026, from $269.6 million in Q4 2025 .</li><li>Book Value per Share: Was $32.13 at the end of Q1 2026, compared to $31.88 at the end of Q4 2025 .</li><li>Tangible Book Value per Share (Non-GAAP): Was $22.71 at the end of Q1 2026, compared to $22.41 at the end of Q4 2025 .</li></ul><h3>Results of Operations (Q1 2026 vs Q1 2025)</h3><ul><li>Total Interest and Dividend Income: Increased by 16%, or $7.7 million, to $55.3 million in Q1 2026, from $47.5 million in Q1 2025 . Yields on earning assets grew to 5.27% in Q1 2026, from 5.16% in Q1 2025, and loan yield expanded 8 basis points to 5.50% .</li><li>Total Interest Expense: Decreased by $153 thousand in Q1 2026 compared to Q1 2025, with deposit costs down $623 thousand year-over-year, while borrowing costs increased $470 thousand, or 16%, year-over-year .</li><li>Provision for Credit Losses on Loans: Was $305 thousand in Q1 2026, compared to a recapture of -$57 thousand in Q1 2025, with net charge-offs being minimal at -$42 thousand .</li><li>Provision for Investment Losses: There was no provision for investment losses in Q1 2026, compared to a $636 thousand provision in Q1 2025 .</li><li>Loss on Available-for-Sale Debt Securities: A loss of -$1.0 million was recorded in Q1 2026 .</li><li>Non-Interest Income: Increased $1.5 million to $10.4 million in Q1 2026, from $8.9 million in Q1 2025, primarily driven by a $1.3 million gain on death benefit from bank owned life insurance . Trust management fee income increased $199 thousand due to a 7%, or $183.5 million, increase in assets under management .</li><li>Non-Interest Expenses: Increased $5.2 million to $29.8 million in Q1 2026, from $24.7 million in Q1 2025, including $1.5 million in expenses related to the Woodsville acquisition . Salaries and benefits increased $2.0 million to $15.8 million, occupancy and equipment increased $711 thousand, amortization of intangibles increased $349 thousand, and other expenses increased $854 thousand . A loss on sale of premises and equipment was $134 thousand .</li><li>Income Tax Expense: Was $3.6 million for Q1 2026, compared to $2.5 million for Q1 2025 . The GAAP effective tax rate was 21.09% in Q1 2026, compared to 19.57% in Q1 2025 .</li></ul><h3>Outlook / Guidance</h3>Bar Harbor 银行 is pleased with its strong start to the year and remains committed to profitable growth and maintaining a stable net interest margin . The company is well-positioned and looks forward to the rest of the year ahead .

Bar Habour Bankshares | 8-K: FY2026 Q1 Revenue: USD 47.29 M