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Dec 31, 2022

Bar Harbor Bankshares Q4 2022 Earnings Report

Net income increased compared to the same quarter last year.

Key Takeaways

Bar Harbor Bankshares reported a strong fourth quarter in 2022, with net income up 28% compared to the same quarter in 2021. The company's performance metrics showed significant favorable expansion throughout 2022, including 19% in total commercial loan growth for the year.

Net income increased 28% to $12.5 million, or $0.83 per diluted share, compared to $9.8 million, or $0.65 per diluted share, in the same quarter of 2021.

Return on assets was 1.30%, compared to 1.02% in the same quarter of 2021.

Return on equity was 12.73%, compared to 9.16% in the same quarter of 2021.

Net interest margin increased to 3.76%, compared to 2.79% in the same period of 2021.

Total Revenue
$41.2M
Previous year: $35M
+17.8%
EPS
$0.83
Previous year: $0.68
+22.1%
Net interest margin
3.76%
Previous year: 2.79%
+34.8%
Efficiency ratio
58%
Previous year: 60.74%
-4.5%
Gross Profit
$41.2M
Previous year: $35M
+17.8%
Cash and Equivalents
$92.3M
Previous year: $250M
-63.1%
Free Cash Flow
$16.4M
Previous year: $29.2M
-43.8%
Total Assets
$3.91B
Previous year: $3.71B
+5.4%

Bar Harbor Bankshares

Bar Harbor Bankshares

Forward Guidance

Bar Harbor Bankshares is well positioned for success in 2023, regardless of the rate environment, and is focused on the needs of its customers while delivering shareholder value.