Bar Harbor Bankshares Financial Ratios — BHB Stock

Profitability (USD)

	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Return on Common Equity (%)	11.96	12.58	11.96	11.97	11.54	10.67	16.15	17.46	11.09	15.21	16.48	16.59	15.42	13.7	10.85
Return on Assets (%)	0.97	1.01	0.98	1.03	1	0.9	0.98	0.92	0.62	0.9	1.06	1.14	1.14	1.08	0.84
Return on Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Return on Invested Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Gross Margin (%)	100	100	100	100	100	100	100	100	100	100	100	100	100	100	100
EBITDA Margin (%)	2.89	3	3.45	3.37	3.35	2.85	3.69	3.81	4.2	3.57	4.79	4.33	4.15	2.28	3.66
Operating Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Incremental Operating Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Pretax Margin (%)	37.94	39.29	39.71	40.14	39.25	36.05	36.08	34.08	22.57	29.3	35.28	36.98	37.39	35.18	27.29
Profit Margin (%)	27.02	28.13	28.49	28.57	28.16	25.87	22	27.72	19.03	23.39	28.51	29.37	29.36	29.12	21.94
Net Income to Common Margin (%)	27.02	28.13	28.49	28.57	28.16	25.87	22	27.72	19.03	23.39	28.51	29.37	29.36	29.12	21.94
Effective Tax Rate (%)	28.78	28.4	28.25	28.81	28.25	28.24	39.02	18.67	15.69	20.18	19.18	20.58	21.47	17.24	19.63
Dvd Payout Ratio (%)	38.29	36.62	37.28	36.69	39.86	44.04	44.26	36.99	59.09	40.36	35.81	35.2	36.93	40.85	55.27
Sustainable Growth Rate (%)	7.38	7.97	7.5	7.58	6.94	5.97	9	11	4.54	9.07	10.58	10.75	9.73	8.1	4.85

Credit (USD)

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	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Total Debt	296	351	389	427	454	931	830	724	531	336	179	394	302	291	270
ST Debt	151	203	293	294	313	394	- -	- -	348	93	95	331	241	250	135
LT Debt	144	147	96	134	141	537	830	724	183	243	84	63	61	41	135
Total Debt/EBITDA	250.56	264.26	243.85	248.29	251.88	566.69	190.08	159.71	106.33	66.13	27.05	61.41	47.6	85.07	43.82
Net Debt/EBITDA	243.17	252.97	238.09	242.59	246.48	561.56	169.31	137.92	94.94	21.65	-10.89	47.03	32.63	63.95	30.69
Total Debt/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Debt/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA-CapEx/Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBIT to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	8.16	7.9	8.55	8.68	8.6	8.21	4.99	5.53	5.69	6.13	6.7	7.08	7.68	8.1	7.47
Long-Term Debt/Equity (%)	122.17	115.19	79.5	91.26	91.39	342.35	233.96	195.31	46.21	59.59	19.74	15.98	14.06	8.92	25.32
Long-Term Debt/Capital (%)	36.96	32.5	19.05	24.1	23.89	49.91	82.35	78.4	24.76	42.97	19.61	9.37	10.02	6.58	21.77
Long-Term Debt/Total Assets (%)	12.37	11.32	7.02	9.15	8.92	30.57	23.27	20.06	4.99	6.51	2.26	1.61	1.53	1	2.88
Total Debt/Equity (%)	250.03	274.07	320.64	292.1	294.44	594.03	233.96	195.31	134.03	82.55	42.09	100.2	69.78	63.39	50.63
Total Debt/Capital (%)	75.63	77.32	76.81	77.13	76.97	86.6	82.35	78.4	71.8	59.53	41.81	58.76	49.72	46.77	43.53
Total Debt/Total Assets (%)	25.32	26.93	28.33	29.28	28.73	53.04	23.27	20.06	14.48	9.02	4.81	10.08	7.59	7.12	5.76
Net Debt to Equity	242.65	262.36	313.06	285.4	288.13	588.64	208.39	168.67	119.68	27.03	-16.94	76.74	47.83	47.65	35.45
Net Debt/Capital (%)	75.08	76.54	76.38	76.71	76.58	86.49	80.6	75.82	69.45	32.5	-40.7	52.18	40.39	39.78	35.05
EBITDA	1	1	2	2	2	2	4	5	5	5	7	6	6	3	6
EBITDA-CapEx	-3	1	2	- -	- -	-3	1	- -	-4	-2	5	4	- -	-4	1
Operating Income (Loss)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

Liquidity (USD)

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	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Cash Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Current Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Quick Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
CFO/Avg Current Liab	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	8.16	7.9	8.55	8.68	8.6	8.21	4.99	5.53	5.69	6.13	6.7	7.08	7.68	8.1	7.47
Long-Term Debt/Equity (%)	122.17	115.19	79.5	91.26	91.39	342.35	233.96	195.31	46.21	59.59	19.74	15.98	14.06	8.92	25.32
Long-Term Debt/Capital (%)	36.96	32.5	19.05	24.1	23.89	49.91	82.35	78.4	24.76	42.97	19.61	9.37	10.02	6.58	21.77
Long-Term Debt/Total Assets (%)	12.37	11.32	7.02	9.15	8.92	30.57	23.27	20.06	4.99	6.51	2.26	1.61	1.53	1	2.88
Total Debt/Equity (%)	250.03	274.07	320.64	292.1	294.44	594.03	233.96	195.31	134.03	82.55	42.09	100.2	69.78	63.39	50.63
Total Debt/Capital (%)	75.63	77.32	76.81	77.13	76.97	86.6	82.35	78.4	71.8	59.53	41.81	58.76	49.72	46.77	43.53
Total Debt/Total Assets (%)	25.32	26.93	28.33	29.28	28.73	53.04	23.27	20.06	14.48	9.02	4.81	10.08	7.59	7.12	5.76
CFO/Total Liabilities	1.54	1.8	1.72	1.18	1.43	1.05	1.26	1.17	0.92	0.62	1.8	1.59	1.34	1.44	1.16
CFO/CapEx	4.29	- -	- -	7.76	10.9	3.91	12.78	7.87	3.27	3.05	34.48	22.2	7.26	7.08	10.03
Altman's Z-Score	0.2	0.2	0.22	0.23	0.23	0.24	0.17	0.16	0.18	0.18	0.2	0.21	0.21	0.22	0.21

Working Capital (USD)

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	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Accounts Receivable Turnover

- -

Days Sales Outstanding

- -

Inventory Turnover

- -

Days Inventory Outstanding

- -

Accounts Payable Turnover

- -

Accounts Payable Turnover Days

- -

Cash Conversion Cycle

- -

Inventory to Cash Days

- -

Inventories

- -

Raw Materials

- -

Work In Process

- -

Finished Goods

- -

Other Inventory

- -

Enterprise Value (USD)

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	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Market Capitalization	116	131	157	190	206	286	410	347	395	344	433	482	445	466	493
- Cash & Cash Equivalents	9	15	9	10	10	8	91	99	57	226	250	92	95	72	81
+ Preferred Equity and Hybrid Capital	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Minority/Non Controlling Interest	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Total Debt	296	351	389	427	454	931	830	724	531	336	179	394	302	291	270
Enterprise Value	21	49	87	137	145	680	432	247	206	-131	-257	224	117	164	85
Total Capital	391	454	507	554	590	1,075	1,008	923	740	564	427	671	606	621	619
Total Debt/Capital (%)	75.63	77.32	76.81	77.13	76.97	86.6	82.35	78.4	71.8	59.53	41.81	58.76	49.72	46.77	43.53
Total Debt / EV	14.25	7.13	4.47	3.13	3.13	1.37	1.92	2.94	2.58	-2.57	-0.69	1.76	2.58	1.77	3.18
EV/Sales	0.51	1.11	1.88	2.67	2.7	11.78	3.66	2.08	1.73	- -	- -	1.51	0.76	1.1	0.5
EV/EBITDA	17.59	37.06	54.53	79.37	80.5	413.81	98.95	54.41	41.18	- -	- -	34.94	18.42	48.02	13.79
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/Cash Flow to Firm	1.29	2.33	4.04	8.79	7.14	40.49	10.7	6.54	6.84	- -	- -	4.01	2.46	3.13	1.76
EV/Free Cash Flow to Firm	1.04	2.33	4.04	7.79	6.54	32.24	9.93	5.8	5.24	- -	- -	3.84	2.16	2.74	1.6
Diluted Market Cap	116	132	158	191	209	288	413	349	396	345	435	484	446	468	495
Diluted Enterprise Value	403	468	538	609	653	1,211	1,152	974	870	455	363	786	653	687	684
EV per Share	2.39	5.61	9.84	15.37	16.17	74.97	28.45	15.92	13.24	- -	- -	14.91	7.7	10.76	5.34
TTM Sales	41	44	46	51	54	58	118	119	119	142	138	148	153	150	168
TTM EBITDA	1	1	2	2	2	2	4	5	5	5	7	6	6	3	6
TTM Operating Income	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
TTM Cash Flow to Firm	16	21	22	16	20	17	40	38	30	21	59	56	47	52	48
TTM Free Cash Flow to Firm	20	21	22	18	22	21	44	43	39	27	61	58	54	60	53

Multiples (USD)

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	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Price/Free Cash Flow	5.84	6.26	7.33	10.91	9.4	13.68	9.49	8.21	10.08	12.56	7.15	8.29	8.27	7.83	9.33
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Enterprise Value	21	49	87	137	145	680	432	247	206	-131	-257	224	117	164	85
Low Price	12.31	13.05	15.06	16.01	19.31	19.69	25.09	21.25	21.24	13.05	21.26	24	19.55	23.26	26.43
EV/Sales	0.51	1.11	1.88	2.67	2.7	11.78	3.66	2.08	1.73	- -	- -	1.51	0.76	1.1	0.5
EV/EBITDA	17.59	37.06	54.53	79.37	80.5	413.81	98.95	54.41	41.18	- -	- -	34.94	18.42	48.02	13.79
Price/Earnings	10.48	10.53	11.93	12.98	13.59	19.16	15.78	10.55	17.44	10.36	11.01	11.06	9.91	10.7	13.37
Price/Earnings Average	10.09	10.68	10.91	11.04	13.35	14.59	17.09	13.22	17.1	9.54	10.73	9.86	8.92	10.06	13.15
Price/Earnings High	10.96	11.89	12.37	13.33	14.99	20.19	19.52	14.55	18.95	11.72	12.54	11.43	10.94	13.46	15.07
Price/Earnings Low	9.68	9.19	10.11	9.74	11.43	11.96	14.66	9.99	14.59	5.98	8.09	8.29	6.6	8.14	11.38
Price/Book Value	1.21	1.28	1.34	1.5	1.52	1.99	2.31	1.74	1.89	1.51	1.74	1.74	1.46	1.41	1.41
Price/Book Value Average	1.17	1.29	1.22	1.27	1.49	1.51	2.5	2.18	1.85	1.39	1.7	1.55	1.31	1.32	1.39
Price/Book Value High	1.27	1.44	1.39	1.54	1.67	2.09	2.85	2.4	2.05	1.71	1.98	1.8	1.61	1.77	1.59
Price/Book Value Low	1.12	1.11	1.13	1.12	1.28	1.24	2.14	1.65	1.58	0.87	1.28	1.3	0.97	1.07	1.2
Price/Tangible Book Value	1.01	1.07	1.35	1.34	1.38	1.89	1.67	1.32	1.47	1.23	1.45	1.8	1.44	1.39	1.32
Price/Tangible Book Value Average	0.97	1.09	1.24	1.14	1.36	1.44	1.8	1.65	1.44	1.13	1.42	1.6	1.3	1.31	1.3
Price/Tangible Book Value High	1.05	1.21	1.4	1.38	1.52	1.99	2.06	1.82	1.59	1.39	1.65	1.86	1.6	1.75	1.49
Price/Tangible Book Value Low	0.93	0.94	1.14	1.01	1.16	1.18	1.55	1.25	1.23	0.71	1.07	1.35	0.96	1.06	1.12
Price/Sales	2.83	2.96	3.4	3.71	3.83	4.96	3.47	2.92	3.32	2.42	3.14	3.25	2.91	3.12	2.93
Price/Sales Average	2.73	3	3.11	3.16	3.76	3.77	3.76	3.66	3.25	2.23	3.06	2.9	2.62	2.93	2.88
Price/Sales High	2.96	3.35	3.52	3.81	4.22	5.22	4.29	4.03	3.61	2.74	3.58	3.36	3.21	3.92	3.3
Price/Sales Low	2.62	2.58	2.88	2.78	3.22	3.09	3.22	2.77	2.78	1.4	2.31	2.43	1.94	2.37	2.5
Price/Cash Flow	7.17	6.23	7.29	12.21	10.13	17.04	10.16	9.21	13.12	16.65	7.32	8.62	9.38	8.9	10.22
Price/Cash Flow Average	6.9	6.31	6.67	10.39	9.95	12.97	11.01	11.54	12.86	15.34	7.13	7.68	8.44	8.36	10.06
Price/Cash Flow High	7.5	7.03	7.56	12.54	11.17	17.96	12.57	12.71	14.25	18.83	8.33	8.91	10.36	11.19	11.52
Price/Cash Flow Low	6.63	5.43	6.18	9.16	8.52	10.63	9.44	8.72	10.98	9.62	5.38	6.46	6.24	6.77	8.7
Price/Free Cash Flow Average	5.62	6.34	6.71	9.28	9.23	10.42	10.28	10.29	9.88	11.57	6.97	7.39	7.44	7.36	9.18
Price/Free Cash Flow High	6.11	7.06	7.6	11.2	10.37	14.42	11.74	11.33	10.95	14.21	8.14	8.56	9.13	9.86	10.52
Price/Free Cash Flow Low	5.4	5.46	6.21	8.19	7.91	8.54	8.82	7.78	8.43	7.26	5.25	6.21	5.51	5.96	7.94
EV/Sales Average	9.75	10.58	11.32	11.32	12.01	19.76	10.02	8.92	7.24	3.01	2.54	4.93	3.97	4.39	4.01
EV/Sales High	9.98	10.93	11.74	11.97	12.47	21.21	10.55	9.29	7.6	3.51	3.05	5.39	4.57	5.38	4.43
EV/Sales Low	9.64	10.17	11.09	10.95	11.47	19.08	9.48	8.03	6.77	2.17	1.79	4.47	3.29	3.83	3.62
EV/EBITDA Average	337.59	353.18	328.21	336.37	358.72	694.15	271.08	233.96	172.33	84.1	53.02	113.92	95.8	192.13	109.58
EV/EBITDA High	345.7	364.6	340.25	355.76	372.53	745.08	285.53	243.69	180.71	98.32	63.78	124.6	110.13	235.57	121.08
EV/EBITDA Low	333.78	339.22	321.57	325.29	342.61	670.24	256.59	210.54	161	60.81	37.3	103.26	79.36	167.72	98.95
EV/EBIT Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Last Price	13.32	14.96	17.77	21.33	22.95	31.55	27.01	22.43	25.39	22.59	28.93	32.04	29.36	30.58	31.05
High Price	13.93	16.89	18.43	21.91	25.32	33.25	33.41	30.95	27.58	25.55	32.94	33.11	32.42	38.47	35
Enterprise Value Average	398	469	524	579	646	1,140	1,183	1,060	861	427	350	731	607	656	674
Enterprise Value High	408	484	543	612	671	1,224	1,246	1,104	903	500	421	800	698	805	745
Enterprise Value Low	394	450	513	560	617	1,101	1,120	954	804	309	246	663	503	573	609

Shares Outstanding	9	9	9	9	9	9	15	16	16	15	15	15	15	15	17
Diluted Weighted Avg Shares	9	9	9	9	9	9	15	16	16	15	15	15	15	15	16
Basic Weighted Avg Shares	9	9	9	9	9	9	15	15	16	15	15	15	15	15	16
Revenue per Share	4.71	5.05	5.23	5.75	6	6.37	7.78	7.67	7.65	9.32	9.21	9.86	10.09	9.81	10.59
EBITDA per Share	0.14	0.15	0.18	0.19	0.2	0.18	0.29	0.29	0.32	0.33	0.44	0.43	0.42	0.22	0.39
Operating Income per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Basic EPS, GAAP	1.27	1.42	1.49	1.64	1.69	1.65	1.71	2.13	1.46	2.18	2.63	2.9	2.96	2.86	2.32
Basic EPS from Cont Ops	1.27	1.42	1.49	1.64	1.69	1.65	1.71	2.13	1.46	2.18	2.63	2.9	2.96	2.86	2.32
Diluted EPS, GAAP	1.27	1.41	1.48	1.63	1.67	1.63	1.7	2.12	1.45	2.18	2.61	2.88	2.95	2.84	2.31
Diluted EPS from Cont Ops	1.27	1.41	1.48	1.63	1.67	1.63	1.7	2.12	1.45	2.18	2.61	2.88	2.95	2.84	2.31
Dividend per Share	0.49	0.52	0.56	0.6	0.67	0.73	0.76	0.79	0.86	0.88	0.94	1.02	1.09	1.17	1.28
Cash Flow per Share	1.86	2.4	2.44	1.75	2.27	1.85	2.66	2.44	1.94	1.36	3.95	3.72	3.13	3.44	3.04
Free Cash Flow per Basic Share	1.42	2.4	2.44	1.52	2.06	1.38	2.45	2.13	1.34	0.91	3.84	3.55	2.7	2.95	2.74
Cash & Equivalents per Share	44.97	49.33	51.92	54.03	57.38	59.25	53.21	53.24	46.34	53.2	58.06	43.34	41.57	38.89	42.68
Book Value per Share	10.97	11.73	13.28	14.26	15.14	15.89	11.71	12.87	13.42	14.99	16.61	18.4	20.14	21.7	22.01
Tangible Book Value per Share	13.25	13.94	13.16	15.9	16.63	16.7	16.21	16.98	17.32	18.36	19.91	17.83	20.32	21.98	23.55

Bar Harbor Bankshares

Profitability (USD)

Credit (USD)

Liquidity (USD)

Working Capital (USD)

Enterprise Value (USD)

Multiples (USD)

Per Share Data Items (USD)