Bar Harbor Bankshares, Inc. Financial Ratios — 42K 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 (%)	9.96	10.12	10.57	10.92	10.09	9.61	10.17	9.08	5.9	8.28	9.46	10.65	10.87	9.78	7.45
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 (%)	2.7	2.79	2.66	2.7	2.56	1.76	2.29	2.89	2.24	3.98	5.84	6.27	5.9	5.87	4.76
Return on Invested Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Gross Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
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 (%)	6.14	6.42	6.63	6.91	6.07	5.38	5.67	5.72	2.41	4.94	6.07	6.9	6.85	5.78	3.33

Credit (USD)

Credit Ratios API ChatGPT

	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	97	134	141	537	830	724	183	243	84	63	61	41	135
Total Debt/EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Debt/EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Total Debt/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Debt/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA-CapEx/Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBIT to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	10.13	9.83	8.83	10.02	9.76	8.93	9.95	10.27	10.8	10.93	11.43	10.06	10.88	11.23	11.37
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 (%)	34.9	30.79	18.9	23.27	23.17	49.33	70.06	66.14	19.75	32.64	13.89	7.98	8.28	5.46	16.81
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 (%)	71.43	73.27	76.23	74.5	74.65	85.59	70.06	66.14	57.27	45.22	29.62	50.05	41.1	38.8	33.61
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 (%)	70.82	72.4	75.79	74.05	74.24	85.48	67.57	62.78	54.48	21.28	-20.4	43.42	32.36	32.27	26.17
EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA-CapEx	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Operating Income (Loss)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

Liquidity (USD)

Liquidity Ratios API ChatGPT

	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	10.13	9.83	8.83	10.02	9.76	8.93	9.95	10.27	10.8	10.93	11.43	10.06	10.88	11.23	11.37
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 (%)	34.9	30.79	18.9	23.27	23.17	49.33	70.06	66.14	19.75	32.64	13.89	7.98	8.28	5.46	16.81
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 (%)	71.43	73.27	76.23	74.5	74.65	85.59	70.06	66.14	57.27	45.22	29.62	50.05	41.1	38.8	33.61
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	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

Working Capital (USD)

Working Capital Ratios API ChatGPT

No data availableFinancial data will appear here once available

Enterprise Value (USD)

Enterprise Value API ChatGPT

	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	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	439	481	449	458	526
- 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	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	-251	224	121	156	117
Total Capital	414	479	511	574	608	1,088	1,184	1,094	928	743	603	788	734	749	802
Total Debt/Capital (%)	71.43	73.27	76.23	74.5	74.65	85.59	70.06	66.14	57.27	45.22	29.62	50.05	41.1	38.8	33.61
Total Debt / EV	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	-0.71	1.76	2.49	1.86	2.3
EV/Sales	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	1.51	0.79	1.04	0.7
EV/EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/Cash Flow to Firm	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	4	2.55	2.98	2.43
EV/Free Cash Flow to Firm	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	4.19	2.96	3.47	2.7
Diluted Market Cap	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	440	482	450	459	502
Diluted Enterprise Value	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	-250	225	122	157	94
EV per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	14.83	7.97	10.22	7.02
TTM Sales	41	44	46	51	54	58	118	119	119	142	138	148	153	150	168
TTM EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
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	12	21	22	14	18	12	37	33	21	14	57	53	41	45	43

Multiples (USD)

Valuation Multiples API ChatGPT

	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	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	7.66	9.03	11	10.21	11.56
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Enterprise Value	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	-251	224	121	156	117
Low Price	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	25.29	23.94	20.93	23.58	25.76
EV/Sales	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	1.51	0.79	1.04	0.7
EV/EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Earnings	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	11.14	11.02	9.99	10.49	13.55
Price/Earnings Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	10.8	9.78	8.86	9.98	13.03
Price/Earnings High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	12.2	11.21	10.79	13.39	14.32
Price/Earnings Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	9.63	8.27	7.07	8.25	11.09
Price/Book Value	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	1.03	1.22	1.04	1	0.99
Price/Book Value Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	1	1.09	0.92	0.95	0.95
Price/Book Value High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	1.13	1.24	1.12	1.27	1.04
Price/Book Value Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	0.89	0.92	0.73	0.79	0.81
Price/Tangible Book Value	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	1.47	1.79	1.46	1.37	1.41
Price/Tangible Book Value Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	1.43	1.59	1.29	1.3	1.35
Price/Tangible Book Value High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	1.61	1.83	1.58	1.74	1.48
Price/Tangible Book Value Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	1.27	1.35	1.03	1.08	1.15
Price/Sales	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	3.18	3.24	2.93	3.06	2.97
Price/Sales Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	3.08	2.87	2.6	2.91	2.86
Price/Sales High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	3.48	3.29	3.17	3.9	3.14
Price/Sales Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	2.74	2.43	2.07	2.4	2.43
Price/Cash Flow	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	7.4	8.58	9.45	8.72	10.37
Price/Cash Flow Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	7.17	7.62	8.38	8.3	9.97
Price/Cash Flow High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	8.1	8.73	10.21	11.13	10.95
Price/Cash Flow Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	6.39	6.44	6.69	6.86	8.48
Price/Free Cash Flow Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	7.43	8.01	9.76	9.71	11.12
Price/Free Cash Flow High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	8.39	9.19	11.88	13.02	12.21
Price/Free Cash Flow Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	6.62	6.78	7.78	8.03	9.46
EV/Sales Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	1.14	0.46	0.89	0.58
EV/Sales High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	1.56	1.03	1.89	0.87
EV/Sales Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	0.7	- -	0.39	0.13
EV/EBITDA Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBITDA High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBITDA Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Last Price	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	29.25	31.91	29.58	29.98	31.49
High Price	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	32.05	32.46	31.96	38.25	33.26
Enterprise Value Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	-265	170	70	134	97
Enterprise Value High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	-209	232	157	282	147
Enterprise Value Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	-311	104	-10	58	22

Per Share Data Items (USD)

Per-Share Data API ChatGPT

	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

Shares Outstanding	13	13	13	13	14	14	15	16	16	15	15	15	15	15	17
Diluted Weighted Avg Shares	13	13	13	13	14	14	15	16	16	15	15	15	15	15	16
Basic Weighted Avg Shares	13	13	13	13	13	14	15	15	16	15	15	15	15	15	16
Revenue per Share	3.14	3.37	3.49	3.84	4	4.24	7.78	7.67	7.65	9.32	9.21	9.86	10.09	9.81	10.59
EBITDA per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Operating Income per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Basic EPS, GAAP	0.85	0.95	0.99	1.1	1.13	1.1	1.71	2.13	1.46	2.18	2.63	2.9	2.96	2.86	2.32
Basic EPS from Cont Ops	0.85	0.95	0.99	1.1	1.13	1.1	1.71	2.13	1.46	2.18	2.63	2.9	2.96	2.86	2.32
Diluted EPS, GAAP	0.84	0.94	0.99	1.09	1.11	1.09	1.7	2.12	1.45	2.18	2.61	2.88	2.95	2.84	2.31
Diluted EPS from Cont Ops	0.84	0.94	0.99	1.09	1.11	1.09	1.7	2.12	1.45	2.18	2.61	2.88	2.95	2.84	2.31
Dividend per Share	0.32	0.35	0.37	0.4	0.45	0.48	0.76	0.79	0.86	0.88	0.94	1.02	1.09	1.17	1.28
Cash Flow per Share	1.24	1.6	1.62	1.16	1.51	1.23	2.66	2.44	1.94	1.36	3.95	3.72	3.13	3.44	3.04
Free Cash Flow per Basic Share	0.95	1.6	1.62	1.01	1.37	0.92	2.45	2.13	1.34	0.91	3.84	3.55	2.7	2.95	2.74
Cash & Equivalents per Share	29.84	32.73	34.55	35.9	38.06	39.29	52.32	53.12	46.29	54.37	57.91	43.22	41.49	38.78	40.61
Book Value per Share	9.03	9.68	9.13	10.93	11.4	11.46	22.96	23.87	25.48	27.29	28.27	26.09	28.48	30	31.88
Tangible Book Value per Share	8.79	9.25	8.76	10.57	11.03	11.07	15.94	16.94	17.3	18.77	19.86	17.78	20.28	21.93	22.41