It's been a few months since I first took a look at Bar Harbor Bankshares (NYSE: BHB ), the holding company for Maine-based Bar Harbor Bank & Trust. This small community bank is one of the most unassuming names you're likely toI like to take a long term, buy-and-hold approach to investing, with a bias toward stocks that can sustainably post high quality earnings. Mostly found in the dividend and income section. Blog about various US/Canadian stocks at 'The Compound Investor', and predominantly UK names on ' ...

Core Insights - Five stocks have been added to the Zacks Rank 1 (Strong Buy) List, indicating strong potential for investment Group 1: Company Earnings Estimates - Tutor Perini Corporation (TPC) has seen a 55.4% increase in the Zacks Consensus Estimate for its current year earnings over the last 60 days [1] - OppFi Inc. (OPFI) has experienced a 15.5% increase in the Zacks Consensus Estimate for its current year earnings over the last 60 days [1] - Bar Harbor Bankshares (BHB) has seen a 7.5% increase in the Zacks Consensus Estimate for its next year earnings over the last 60 days [2] - Watts Water Technologies, Inc. (WTS) has experienced a 5.8% increase in the Zacks Consensus Estimate for its current year earnings over the last 60 days [2] - Gilat Satellite Networks Ltd. (GILT) has seen a significant 78.8% increase in the Zacks Consensus Estimate for its current year earnings over the last 60 days [3]

Core Insights - Three bank holding companies are highlighted as strong investment opportunities due to their earnings growth and attractive dividend yields Group 1: Bar Harbor Bankshares (BHB) - The Zacks Consensus Estimate for Bar Harbor Bankshares' current year earnings has increased by 7.5% over the last 60 days [1] - The company has a dividend yield of 4.3%, which is significantly higher than the industry average of 2.7% [1] Group 2: Citizens Financial Services, Inc. (CZFS) - The Zacks Consensus Estimate for Citizens Financial Services' current year earnings has increased by 5.5% over the last 60 days [2] - The company offers a dividend yield of 3.7%, above the industry average of 2.7% [2] Group 3: Farmers & Merchants Bancorp, Inc. (FMAO) - The Zacks Consensus Estimate for Farmers & Merchants Bancorp's current year earnings has increased by 6.6% over the last 60 days [3] - The company has a dividend yield of 3.7%, which is also higher than the industry average of 2.7% [3]

Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 10-Q ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended: June 30, 2025 ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission File Number: 001-13349 BAR HARBOR BANKSHARES (Exact name of registrant as specified in its charter) (State or other jurisdiction of incorpor ...

Bar Harbor Bankshares (BHB) could be a solid choice for investors given its recent upgrade to a Zacks Rank #1 (Strong Buy). This rating change essentially reflects an upward trend in earnings estimates -- one of the most powerful forces impacting stock prices.The Zacks rating relies solely on a company's changing earnings picture. It tracks EPS estimates for the current and following years from the sell-side analysts covering the stock through a consensus measure -- the Zacks Consensus Estimate.Individual i ...

Here are three stocks with buy rank and strong value characteristics for investors to consider today, July 24th:  Crescent Energy Company (CRGY) : This independent oil and natural gas company which acquires, explores, develops, exploits and produces crude oil and natural gas properties principally in the shallow waters of the Gulf of Mexico and onshore properties in Texas, Oklahoma, Louisiana and Wyoming in the United States, carries a Zacks Rank #1 (Strong Buy), and has witnessed the Zacks Consensus Estima ...

Group 1: Crescent Energy Company (CRGY) - Crescent Energy Company is an independent oil and natural gas company focused on acquiring, exploring, developing, and producing crude oil and natural gas properties primarily in the Gulf of Mexico and onshore in Texas, Oklahoma, Louisiana, and Wyoming [1] - The Zacks Consensus Estimate for Crescent Energy's current year earnings has increased by 32.2% over the last 60 days [1] Group 2: Bar Harbor Bankshares (BHB) - Bar Harbor Bankshares is a retail bank serving individual customers, small retail establishments, seasonal lodging, campgrounds, and restaurants [2] - The Zacks Consensus Estimate for Bar Harbor Bankshares' current year earnings has increased by 3.6% over the last 60 days [2] - The company has a dividend yield of 4.2%, compared to the industry average of 2.7% [2] Group 3: Huntington Ingalls Industries (HII) - Huntington Ingalls Industries designs, builds, and maintains nuclear-powered ships, including aircraft carriers and submarines, as well as non-nuclear ships for the U.S. Navy and Coast Guard [3] - The Zacks Consensus Estimate for Huntington Ingalls Industries' current year earnings has increased by 0.8% over the last 60 days [3] - The company has a dividend yield of 2%, compared to the industry average of 0.0% [4]

Bar Harbor Bankshares (BHB) came out with quarterly earnings of $0.7 per share, in line with the Zacks Consensus Estimate . This compares to earnings of $0.66 per share a year ago. These figures are adjusted for non-recurring items. A quarter ago, it was expected that this bank would post earnings of $0.69 per share when it actually produced earnings of $0.68, delivering a surprise of -1.45%.Over the last four quarters, the company has surpassed consensus EPS estimates two times.Bar Harbor, which belongs to ...

Exhibit 99.1 Bar Harbor Bankshares Reports Second Quarter 2025 Results; Declares Dividend BAR HARBOR, MAINE – July 22, 2025 - Bar Harbor Bankshares (NYSE American: BHB) (the "Company") reported second quarter 2025 GAAP net income of $6.1 million or $0.40 per diluted share and core earnings (Non- GAAP) of $10.8 million or $0.70 per diluted share compared to GAAP net income of $10.2 million or $0.66 per diluted share and core earnings (Non-GAAP) of $10.5 or 0.68 per diluted share in the first quarter of 2025. ...

Financial Performance - For the three months ended March 31, 2025, total interest and dividend income increased to $47,538,000, up from $45,823,000 in the same period of 2024, representing a growth of 3.7%[13] - Net income for the first quarter of 2025 was $10,211,000, compared to $10,095,000 in the first quarter of 2024, reflecting an increase of 1.15%[13] - Non-interest income rose to $8,918,000 in Q1 2025, compared to $8,386,000 in Q1 2024, marking an increase of 6.3%[13] - The total comprehensive income for the first quarter of 2025 was $12,923,000, compared to $7,389,000 in the same quarter of 2024, reflecting a significant increase of 74.5%[14] - Basic earnings per share increased to $0.67 for Q1 2025, up from $0.66 in Q1 2024, while diluted earnings per share remained stable at $0.66[98] Credit Losses and Asset Quality - The provision for credit losses on loans showed a reversal of $(57,000) in Q1 2025, compared to a provision of $289,000 in Q1 2024, indicating improved asset quality[13] - The allowance for credit losses (ACL) was $28,614 thousand as of March 31, 2025, slightly down from $28,744 thousand on December 31, 2024[42] - The ACL on unfunded commitments decreased to $2,975,000 as of March 31, 2025, from $3,049,000 at the beginning of the period, reflecting a provision for credit losses of $74,000[54] - The company reported a total of $16,428,000 in past due loans as of March 31, 2025, with $13,415,000 in the 30-59 days category[65] - Non-accrual loans totaled $8,086,000 as of March 31, 2025, with a related allowance of $1,875,000[66] Deposits and Liquidity - Cash and cash equivalents at the end of Q1 2025 were $88,131,000, compared to $76,219,000 at the end of Q1 2024, showing an increase of 15.9%[18] - The net change in deposits for Q1 2025 was $29,123,000, compared to a decrease of $14,081,000 in Q1 2024, indicating strong deposit growth[18] - Total time deposits increased to $862.773 million as of March 31, 2025, up from $830.274 million on December 31, 2024, representing a growth of 3.4%[88] - Brokered deposits included in time deposits were $250.9 million as of March 31, 2025, compared to $256.0 million as of December 31, 2024, indicating a decrease of 2.0%[88] Securities and Investments - Total securities available for sale amounted to $578.241 million with a fair value of $513.961 million as of March 31, 2025[25] - The allowance for credit losses on available for sale securities increased to $1.204 million as of March 31, 2025, up from $568 thousand at the beginning of the year[29] - Proceeds from calls/paydowns of securities available for sale were $28.336 million for the three months ended March 31, 2025, compared to $7.739 million for the same period in 2024[32] - The total amount of securities pledged was $69,946 thousand with an estimated fair value of $58,711 thousand as of March 31, 2025[41] Capital and Ratios - The Company’s total capital to risk-weighted assets ratio was 13.69% as of March 31, 2025, exceeding the minimum required ratio of 8.0%[94] - Common equity Tier 1 capital to risk-weighted assets ratio stood at 11.66% as of March 31, 2025, well above the minimum requirement of 4.5%[94] - The Tier 1 leverage ratio was 10.30% as of March 31, 2025, surpassing the required minimum of 4.0%[94] - The total capital to risk-weighted assets ratio for the Bank was 13.61% as of March 31, 2025, exceeding the well-capitalized requirement of 10.0%[94] Interest Rate Risk Management - Interest rate risk is the most significant market risk affecting the company, managed by the Asset and Liability Committee (ALCO)[206] - The company utilizes an interest rate risk model to monitor and measure interest rate risk, simulating interest income and expense under different interest rate scenarios[211] - The company’s interest rate risk management strategy involves using derivative instruments to minimize fluctuations in earnings and cash flows caused by interest rate volatility[100] Derivative Instruments - The company reported a total notional amount of $961,430,000 in derivative financial instruments as of March 31, 2025, with a fair value asset of $1,832,000[103] - The company recognized a total cash flow hedge gain of $182,000 for the three months ended March 31, 2025, while the total fair value hedge loss was $(1,652,000)[105] - The total fair value of derivative assets is $15,151,000, while derivative liabilities amount to $(13,319,000) as of March 31, 2025[118] Loan Portfolio - As of March 31, 2025, total loans amounted to $3,124,240 thousand, a decrease from $3,147,096 thousand on December 31, 2024[42] - The total loans outstanding as of March 31, 2025, were $3,124,240,000, with a significant portion classified as performing[63] - The commercial and industrial loans classified as "pass" were $294,701,000, with total commercial and industrial loans at $301,378,000[63] - The residential real estate loans totaled $871,816,000, with performing loans at $866,963,000 and nonperforming loans at $4,853,000[63]