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Mar 31, 2025
Bar Harbor Bankshares Q1 2025 Earnings Report
Bar Harbor Bankshares reported solid financial results for Q1 2025 with stable margins, healthy net income, and progress on strategic acquisition initiatives.
Key Takeaways
Bar Harbor Bankshares maintained strong profitability in Q1 2025, posting $10.2 million in net income and a stable net interest margin of 3.17%. The company advanced its regional growth strategy by announcing the acquisition of Woodsville Guaranty Bancorp.
Net income reached $10.2 million, with EPS of $0.66 and core EPS of $0.68.
Net interest margin held steady at 3.17%, supported by loan yield growth.
Announced acquisition of Woodsville Guaranty Bancorp to strengthen New England presence.
Declared 7% dividend increase, raising quarterly dividend to $0.32 per share.
Revenue by Segment
Forward Guidance
The company remains focused on shareholder returns and growth through strategic acquisitions, but acknowledges ongoing macroeconomic uncertainty.
Positive Outlook
- Strong commercial lending activity with $50M in new originations
- Resilient net interest margin despite rate volatility
- Planned acquisition of Woodsville to support regional growth
- Solid asset quality and credit loss provisions
- Dividend increase demonstrates confidence in financial strength
Challenges Ahead
- Slight decline in non-interest income from customer service fees
- Higher non-interest expenses due to acquisition costs and inflation
- Loan growth constrained by pay downs and seasonality
- Decrease in residential real estate lending balances
Historical Earnings Impact
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Avg. Return Before/After Earnings
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