Bar Harbor Bankshares Inc. (BHB) Revenue-to-Profit Sankey Flow & SEC XBRL Financials

Per the Roarable RQD rating, BHB scores 67 out of 100 (letter grade C+, verdict "Roarable Hold — Upper Neutral / Watch for Breakout"). The five pillars break down as follows. Fundamental Cash Engine scores 12 of 20, supported by ROIC of 6.9% and FCF yield of 6.34%. Whale 13F Flow scores 14 of 20, reflecting institutional accumulation and options positioning as described in the rating. Insider Conviction scores 15 of 20, reflecting SEC Form 4 and Congressional PTR cluster flow. Macro Regime Fit scores 13 of 20, with beta of 1.0 and sector sensitivity. Forensic Balance Sheet scores 13 of 20, reflecting Altman Z-Score 2.5, Piotroski F-Score 4/9, and Debt/Equity 0.5.

For a prospective investor, the pattern is a mid-range rating: the highest-scoring pillar (Insider Conviction) is the most supportive input, while Fundamental Cash Engine is the lowest-weighted contributor relative to its maximum. The 6.34% FCF yield and 2.97% dividend yield are cash-return inputs that may appeal to income-oriented analysis, while the 18.6x trailing P/E and 17.3x forward P/E frame the valuation tradeoff. The "Watch for Breakout" language in the verdict label signals that the rating itself points to a potential change in direction rather than a settled conclusion. This is educational analysis, not personalized financial advice.

Per the SEC financials, reported net income declined from $44.9M (FY 2023) to $43.5M (FY 2024) to $36.9M (FY 2025), and FCF moved from $47.4M to $45.0M to $43.5M across the same periods. Gross, operating, and net margin are each reported as 0% in the market data, which the source does not meaningfully interpret, so margin trends cannot be assessed. Per the market data, ROIC is 6.9%. Per the Roarable RQD rating, the Altman Z-Score is 2.5 and the Piotroski F-Score is 4/9, with Debt/Equity of 0.5. Cash rose from $72.2M to $80.8M across FY 2024 to FY 2025. The source does not provide revenue, operating income, EPS, or debt values for the reported periods.

• What are BHB's revenue, operating income, and EPS for each reported period, given that the financials show $0.0M revenue and N/A EPS?
• What drove the decline in net income from $44.9M to $36.9M across FY 2023–FY 2025?
• What are the specific Form 4 and 13F transactions behind the Insider Conviction and Whale 13F Flow scores?
• What is the EV/EBITDA and debt position, given that EV/EBITDA and debt are not available?
• What do the Q3 earnings reports say about margins and guidance, given the headlines but no underlying figures?