Demonstrações financeiras detalhadas de Bar Harbor Bankshares (BHB): demonstração de resultados, balanço patrimonial e fluxo de caixa. Acompanhe a evolução de margens, dívida, liquidez e rentabilidade ano a ano com até 20 anos de histórico.
Resumo da Análise
Bar Harbor Bankshares registou receitas de $243.3M no último exercício, com um CAGR de 5 anos de 7.6%. O lucro líquido atingiu $36.9M, com CAGR de 5 anos de 2.1%.
Margens dos últimos 12 meses: margem bruta 65.3%, margem operacional 22.8%, margem líquida 21.6%. O fluxo de caixa livre cresceu a CAGR de 6.7% em 5 anos.
Ao preço atual de $40.42, BHB negocia a um P/L de 13.39 e um ROE de 9.22%. A capitalização de mercado é de $677M.
Demonstração de Resultados (10 anos)
| Ano | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|
| Receita | $69.8M | $142.1M | $155.4M | $164.5M | $169.1M | $153.1M | $161.2M | $150.4M | $224.4M | $243.3M |
| Custo da Receita | $13.1M | $26.7M | $39.3M | $47.9M | $32.6M | $14.1M | $17.5M | 0 | $75.1M | $79.3M |
| Lucro Bruto | $56.7M | $115.3M | $116.0M | $116.6M | $136.5M | $139.0M | $143.7M | $150.4M | $149.4M | $164.0M |
| P&D | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Despesas Gerais e Administrativas | $21.1M | $44.8M | $45.9M | $49.5M | $50.3M | $48.7M | $51.2M | $56.0M | $58.7M | $74.3M |
| Despesas Operacionais | $35.9M | $72.7M | $75.5M | $89.7M | $94.8M | $90.3M | $88.8M | $75.8M | $96.8M | $117.7M |
| Lucro Operacional | $20.8M | $42.6M | $40.5M | $26.8M | $41.7M | $48.6M | $54.8M | $74.7M | $52.6M | $46.4M |
| EBITDA | $22.5M | $47.0M | $45.0M | $31.8M | $47.4M | $55.2M | $61.3M | 0 | $56.0M | $52.0M |
| Despesas com Juros | $12.1M | $23.9M | $36.6M | $45.6M | $26.9M | $15.2M | $12.8M | $56.5M | $74.9M | $75.0M |
| Lucro Antes de Impostos | $20.8M | $42.6M | $40.5M | $26.8M | $41.7M | $48.6M | $54.8M | $57.1M | $52.6M | $45.9M |
| Imposto | $5.9M | $16.6M | $7.6M | $4.2M | $8.4M | $9.3M | $11.3M | $12.3M | $9.1M | $9.0M |
| Lucro Líquido | $14.9M | $26.0M | $32.9M | $22.6M | $33.2M | $39.3M | $43.6M | $44.9M | $43.5M | $36.9M |
| LPA | $1.65 | $1.71 | $2.13 | $1.46 | $2.18 | $2.63 | $2.90 | $2.96 | $2.86 | $2.32 |
| LPA Diluído | $1.63 | $1.70 | $2.12 | $1.45 | $2.18 | $2.61 | $2.88 | $2.95 | $2.84 | $2.30 |
| Ações em Circulação (Diluídas) | $9.1M | $15.3M | $15.6M | $15.6M | $15.3M | $15.0M | $15.1M | $15.2M | $15.3M | $16.8M |
Demonstração de Resultados (Trimestral)
| Ano | 2025-Q3 | 2025-Q4 | 2026-Q1 | 2026-Q2 |
|---|
| Receita | $66.5M | $67.7M | $55.2M | $39.0M |
| Lucro Bruto | $43.6M | $48.9M | $36.9M | $19.8M |
| Lucro Operacional | $11.0M | $15.1M | $6.7M | $19.2M |
| EBITDA | $13.3M | $16.9M | $8.5M | $19.2M |
| Lucro Líquido | $8.9M | $11.8M | $13.5M | $15.2M |
| LPA | $0.55 | $0.70 | $0.81 | $0.91 |
| LPA Diluído | $0.54 | $0.70 | $0.81 | $0.91 |
Balanço (10 anos)
| Ano | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|
| Caixa e Equivalentes | $8.4M | $90.7M | $98.8M | $56.9M | $226.0M | $250.4M | $92.3M | $94.8M | $72.2M | $80.8M |
| Investimentos de Curto Prazo | $528.9M | $717.2M | $725.8M | $663.2M | $585.0M | $618.3M | $559.5M | $534.6M | $520.5M | $597.4M |
| Contas a Receber | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Estoque | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Ativos Circulantes | $537.3M | $807.9M | $824.6M | $720.1M | $811.1M | $868.7M | $651.8M | $629.4M | $592.6M | $678.3M |
| Imobilizado | $23.4M | $47.7M | $48.8M | $51.2M | $52.5M | $49.4M | $47.6M | $48.3M | $51.2M | $58.2M |
| Ágio | $4.9M | $100.1M | $100.1M | $118.6M | $119.5M | $119.5M | $119.5M | $119.5M | $119.5M | $141.8M |
| Ativos Intangíveis | $377000 | $8.4M | $7.5M | $8.6M | $7.7M | $6.7M | $5.8M | $4.9M | $3.9M | $16.4M |
| Ativos Totais | $1.76B | $3.57B | $3.61B | $3.67B | $3.73B | $3.71B | $3.91B | $3.97B | $4.08B | $4.68B |
| Contas a Pagar | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Dívida de Curto Prazo | $394.5M | 0 | 0 | $348.1M | $93.5M | $94.8M | $331.4M | $240.8M | $249.7M | $134.8M |
| Passivos Circulantes | $1.44B | $2.35B | $2.48B | $3.04B | $93.5M | $3.14B | $3.37B | $3.38B | $3.52B | $3.96B |
| Dívida de Longo Prazo | $536.6M | $829.7M | $723.8M | $183.2M | $242.6M | $83.7M | $62.9M | $60.7M | $40.9M | $134.8M |
| Passivos Totais | $1.60B | $3.21B | $3.24B | $3.27B | $3.31B | $3.29B | $3.52B | $3.54B | $3.62B | $4.15B |
| Reservas | $130.5M | $145.0M | $166.5M | $175.8M | $195.6M | $215.6M | $243.8M | $272.1M | $297.9M | $314.4M |
| Patrimônio Líquido | $156.7M | $354.6M | $370.6M | $396.4M | $411.3M | $424.1M | $393.4M | $432.1M | $458.4M | $532.5M |
| Dívida Total | $931.1M | $829.7M | $723.8M | $531.3M | $336.0M | $178.5M | $394.2M | $301.5M | $290.6M | $269.6M |
| Dívida Líquida | $393.8M | $21.8M | -$100.8M | -$188.8M | -$475.0M | -$690.1M | -$257.6M | -$327.9M | -$302.0M | -$408.6M |
| Capital de Giro | -$907.5M | -$1.54B | -$1.66B | -$2.32B | $717.6M | -$2.27B | -$2.72B | -$2.75B | -$2.92B | -$3.28B |
Balanço (Trimestral)
| Ano | 2025-Q3 | 2025-Q4 | 2026-Q1 | 2026-Q2 |
|---|
| Caixa e Equivalentes | $136.7M | $80.8M | $82.2M | $46.3M |
| Ativos Totais | $4.72B | $4.68B | $4.68B | $4.74B |
| Passivos Totais | $4.20B | $4.15B | $4.14B | $4.19B |
| Patrimônio Líquido | $521.0M | $532.5M | $537.9M | $549.6M |
| Dívida Total | $192.2M | $269.6M | $215.7M | $281.2M |
Fluxo de Caixa (10 anos)
| Ano | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|
| Lucro Líquido | $14.9M | $26.0M | $32.9M | $22.6M | $33.2M | $39.3M | $43.6M | $44.9M | $43.5M | $36.9M |
| Depreciação e Amortização | $1.6M | $4.4M | $4.5M | $5.0M | $5.8M | $6.6M | $6.4M | $6.3M | $3.4M | $1.1M |
| Compensação em Ações | $1.3M | $1.3M | $1.3M | $1.4M | $1.6M | $2.1M | $1.9M | $2.6M | $3.3M | $3.1M |
| Variação Capital de Giro | -$726000 | -$654000 | -$3.0M | $6.6M | -$2.7M | $14.5M | $971000 | -$8.5M | $1.2M | $1.8M |
| Fluxo de Caixa Operacional | $16.8M | $40.1M | $37.7M | $30.1M | $38.2M | $59.2M | $55.9M | $47.4M | $52.4M | $48.3M |
| CapEx | -$4.3M | -$3.2M | -$4.8M | -$9.2M | -$6.8M | -$1.7M | -$2.5M | -$6.5M | -$7.4M | -$4.8M |
| Aquisições | 0 | $39.5M | 0 | -$18.4M | -$340000 | 0 | 0 | 0 | 0 | $77.5M |
| Recompra de Ações | -$497000 | -$282000 | -$324000 | -$239000 | -$14.2M | 0 | 0 | 0 | 0 | 0 |
| Dividendos Pagos | -$6.6M | -$11.5M | -$12.2M | -$13.4M | -$13.4M | -$14.1M | -$15.3M | -$16.6M | -$17.8M | -$20.4M |
| Fluxo de Caixa Livre | $12.5M | $37.0M | $32.9M | $20.9M | $31.4M | $57.5M | $53.4M | $40.9M | $45.0M | $43.5M |
Fluxo de Caixa (Trimestral)
| Ano | 2025-Q3 | 2025-Q4 | 2026-Q1 | 2026-Q2 |
|---|
| Fluxo de Caixa Operacional | $16.5M | $17.2M | $5.0M | $25.4M |
| CapEx | -$1.1M | -$5.1M | -$2.0M | $2.0M |
| Fluxo de Caixa Livre | $15.4M | $12.1M | $3.0M | $27.4M |
| Dividendos Pagos | -$5.4M | -$5.4M | -$5.4M | -$5.7M |
| Compensação em Ações | $932000 | $943000 | $825000 | $1.3M |
Crescimento e Margens (10 anos)
| Ano | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|
| Crescimento Receita (anual) | | +103.4% | +9.4% | +5.8% | +2.8% | -9.5% | +5.3% | -6.7% | +49.2% | +8.4% |
| Crescimento Lucro Líquido (anual) | | +74.1% | +26.7% | -31.3% | +47.0% | +18.2% | +10.8% | +3.0% | -2.9% | -15.2% |
| Crescimento LPA (anual) | | +3.6% | +24.6% | -31.5% | +49.3% | +20.6% | +10.3% | +2.1% | -3.4% | -18.9% |
| Variação de Ações (anual) | | +67.2% | +1.8% | +0.1% | -2.0% | -1.5% | +0.4% | +0.6% | +0.8% | +9.4% |
| Crescimento FCF (anual) | | +195.9% | -10.9% | -36.6% | +50.3% | +83.0% | -7.1% | -23.5% | +10.0% | -3.4% |
| Margem Bruta | 81.3% | 81.2% | 74.7% | 70.9% | 80.7% | 90.8% | 89.1% | 100.0% | 66.6% | 67.4% |
| Margem Operacional | 29.8% | 30.0% | 26.1% | 16.3% | 24.6% | 31.8% | 34.0% | 49.6% | 23.4% | 19.0% |
| Margem EBITDA | 32.1% | 33.1% | 29.0% | 19.4% | 28.1% | 36.1% | 38.0% | 0.0% | 25.0% | 21.4% |
| Margem Líquida | 21.4% | 18.3% | 21.2% | 13.8% | 19.7% | 25.7% | 27.0% | 29.8% | 19.4% | 15.2% |
| Margem FCF | 17.9% | 26.0% | 21.2% | 12.7% | 18.6% | 37.5% | 33.1% | 27.2% | 20.0% | 17.9% |
| Taxa Efetiva de Imposto | 28.2% | 39.0% | 18.7% | 15.7% | 20.2% | 19.2% | 20.6% | 21.5% | 17.2% | 19.6% |
Dados por Ação (10 anos)
| Ano | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|
| FCF por Ação | $1.37 | $2.42 | $2.12 | $1.34 | $2.06 | $3.82 | $3.53 | $2.69 | $2.94 | $2.59 |
| Dividendo por Ação | $0.72 | $0.75 | $0.78 | $0.86 | $0.88 | $0.94 | $1.01 | $1.09 | $1.16 | $1.22 |
| Ações em Circulação (Básicas) | $9.1M | $15.2M | $15.5M | $15.5M | $15.2M | $15.0M | $15.0M | $15.1M | $15.2M | $16.7M |
O que olhar em empresas de Financial Services
- Efficiency Ratio (≤55%) — Despesas operacionais / receita. Bancos top abaixo de 55%.
- ROA (≥1%) — Quanto ganham por cada euro de ativos. ROE engana em bancos pela alavancagem.
- ROTCE (≥12%) — Rentabilidade sobre Capital Tangível. Exclui goodwill e intangíveis.
- Capital / Ativos (proxy Tier 1) (≥8%) — Proxy do rácio de capital. FMP não expõe Tier 1 regulatório direto.
- P/B (1,0-1,5x) — Métrica clássica bancária. <1x pode ser oportunidade ou distress.
- Dividend yield sustentável (≥2%, <8%) — Bancos UE pagam 5-7% sem stress. >8% é sinal de distress.
Rentabilidade
| Retorno sobre patrimônio | 9.22% |
| Retorno sobre capital investido | -1.40% |
| Retorno sobre ativos | 1.04% |
| Margem bruta | 65.32% |
| Margem operacional | 22.82% |
| Margem líquida | 21.61% |
Saúde financeira
| Dívida / Patrimônio | 0.51 |
| Liquidez corrente | 0.16 |
Índices Chave (10 anos)
| Ano | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|
| P/L | 19.12 | 15.80 | 10.53 | 17.39 | 10.36 | 11.00 | 11.05 | 9.92 | 10.69 | 13.38 |
| P/VP | 1.83 | 1.16 | 0.94 | 1.00 | 0.84 | 1.02 | 1.22 | 1.03 | 1.02 | 0.97 |
| P/V | 4.10 | 2.89 | 2.24 | 2.40 | 2.04 | 2.83 | 2.99 | 2.96 | 2.08 | 2.13 |
| Margem Bruta | 81.3% | 81.2% | 74.7% | 70.9% | 80.7% | 90.8% | 89.1% | 100.0% | 66.6% | 67.4% |
| Margem Operacional | 29.8% | 30.0% | 26.1% | 16.3% | 24.6% | 31.8% | 34.0% | 49.6% | 23.4% | 19.0% |
| Margem Líquida | 21.4% | 18.3% | 21.2% | 13.8% | 19.7% | 25.7% | 27.0% | 29.8% | 19.4% | 15.2% |