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Bar Harbor Bankshares BHB Provision for Credit Losses

Provision for Credit Losses at other companies

Trico Bancshares logo
Trico BancsharesTCBK
$3.33M-10.8%
Pioneer Bancorp, Inc. logo
Pioneer Bancorp, Inc.PBFS
$780K-2.5%
United Community Banks logo
United Community BanksUCB
$10.85M-29.6%
SBC
Seacoast Banking Corporation of FloridaSBCF
$761K-91.8%
H&R Block logo
H&R BlockHRB
$36.38M+3.0%
HBT
HBT Financial, Inc.HBT
-$156K-127%

Other financials

Income statement

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Revenue$47.3M+24.7%
Net income$13.5M+32.6%
EPS (diluted)$0.81+22.7%

Balance sheet

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Cash & equivalents$82.2M-6.7%
Total debt$305.6M-30.6%
Total equity$537.9M+15.1%
Total assets$4.7B+15.1%

Cash flow

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Operating cash flow$5.0M-46.1%
CapEx$2.0M+30.8%
Free cash flow$3.0M-61.4%

Valuation

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Market cap$628.67M+44.0%
Enterprise value$852.09M+8.0%
P/E15.6×+5.6×
P/S3.5×+0.7×

Profitability

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Net margin22.6%-6.1pp
FCF margin21.7%-7.8pp

Returns & leverage

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Return on equity8%-1.7pp
Debt / equity0.6×-0.4×

Where this comes from

Reported directly by Bar Harbor Bankshares in its filing.

Tagged under the XBRL concept bhb:ProvisionForCreditLosses.

The official record: Bar Harbor Bankshares’s 10-Q, filed May 5, 2026, on SEC EDGAR. View the filing →

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Questions, answered.

What is Bar Harbor Bankshares's provision for credit losses?
Bar Harbor Bankshares (BHB) reported provision for credit losses of $305K in Q1 2026.
How has Bar Harbor Bankshares's provision for credit losses changed year-over-year?
Bar Harbor Bankshares's provision for credit losses increased by 635.1% year-over-year, from -$57K to $305K.
What is the long-term trend for Bar Harbor Bankshares's provision for credit losses?
Over 2 years (2022 to 2025), Bar Harbor Bankshares's provision for credit losses has grown at a 26.3% compound annual growth rate (CAGR), from $2.9M to $4.64M.
What does provision for credit losses mean?
This represents the non-cash expense set aside by the bank to cover potential future losses from loan defaults or uncollectible receivables. It reflects management's assessment of credit risk within the loan portfolio and directly impacts the bank's net income. Higher provisions indicate a more conservative outlook on borrower creditworthiness or an increase in expected credit risk.