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Bar Harbor Bankshares BHB Provision For Unfunded Commitments

Provision For Unfunded Commitments at other companies

CVB Financial logo
CVB FinancialCVBF
$500K0.0%
MetroCity Bankshares logo
MetroCity BanksharesMCBS
$56K-52.5%
ChoiceOne Financial logo
ChoiceOne FinancialCOFS
$0
Capital Bancorp logo
Capital BancorpCBNK
$205K
Great Southern Bancorp logo
Great Southern BancorpGSBC
-$931K-168%
The Bancorp logo
The BancorpTBBK
$350K-30.0%

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:ProvisionForUnfundedCommitments.

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 unfunded commitments?
Bar Harbor Bankshares (BHB) reported provision for unfunded commitments of -$226K in Q1 2026.
How has Bar Harbor Bankshares's provision for unfunded commitments changed year-over-year?
Bar Harbor Bankshares's provision for unfunded commitments decreased by 205.4% year-over-year, from -$74K to -$226K.
What is the long-term trend for Bar Harbor Bankshares's provision for unfunded commitments?
Over 4 years (2021 to 2025), Bar Harbor Bankshares's provision for unfunded commitments has grown at a 45.6% compound annual growth rate (CAGR), from $177K to $796K.
What does provision for unfunded commitments mean?
This represents the expense recognized to account for potential credit losses on off-balance sheet items, such as unused lines of credit or loan commitments. It reflects the bank's proactive assessment of credit risk associated with future lending obligations.