Bar Harbor Bankshares, Inc. — Earnings Quality Grade F
BHB · Financial Services
Major red flags
Screening Summary
管理层信号
Financial Trends
Revenue & Net Income ($B)
Margins (%)
18-Point Screening
Revenue Quality
Insufficient data
Insufficient data
Revenue grew 12.5% but CFFO declined -7.8%
Small-cap context: Small-cap revenue/CFFO ratio is sensitive to growth-stage working-capital draws.
Expense Quality
No material inventory
CapEx growth -35.0% vs revenue 12.5%. Normal
Insufficient data
Insufficient data
Cash Flow Quality
CFFO/NI = 1.31. Profits backed by cash
FCF $0.0B, FCF/NI = 1.18
Accruals ratio = -0.2%. Low accruals
Cash $0.1B covers only 30% of debt $0.3B
Balance Sheet Health
Goodwill+Intangibles $0.2B = 30% of equity. Manageable
Insufficient data
Insufficient data
No write-off data
Acquisition Risk
FCF after acquisitions positive
Goodwill+Intangibles change 28% YoY. Normal
Manipulation Score
Insufficient data
Altman Z-Score — Not Applicable
Bar Harbor Bankshares, Inc. is a financial company. Z-Score is designed for non-financial companies.
Generated from public financial data using forensic accounting frameworks. Not investment advice. Data: Yahoo Finance · 2026-04-25