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STOCKS

Bar Harbor Bankshares (BHB)

:BHB

BHB

Bar Harbor Bankshares

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Bar Harbor Bankshares (BHB) Ratios

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Bar Harbor Bankshares Ratios

BHB's free cash flow for Q4 2025 was $0.72. For the 2025 fiscal year, BHB's free cash flow was decreased by $ and operating cash flow was $0.22. See a summary of the company’s cash flow.

Ratios	TTM	Dec 25	Dec 24	Dec 23	Dec 22
Liquidity Ratios
Current Ratio	0.28	0.28	0.17	0.19	0.19
Quick Ratio	0.28	0.28	0.17	0.19	0.19
Cash Ratio	0.02	0.02	0.02	0.03	0.03
Solvency Ratio	0.01	0.01	0.01	0.01	0.01
Operating Cash Flow Ratio	0.02	0.02	0.01	0.01	0.02
Short-Term Operating Cash Flow Coverage	0.36	0.36	0.21	0.20	0.17
Net Current Asset Value	$ -3.51B	$ -3.51B	$ -3.03B	$ -2.91B	$ -2.86B
Leverage Ratios
Debt-to-Assets Ratio	0.06	0.06	0.07	0.08	0.10
Debt-to-Equity Ratio	0.51	0.51	0.63	0.70	1.00
Debt-to-Capital Ratio	0.34	0.34	0.39	0.41	0.50
Long-Term Debt-to-Capital Ratio	0.20	0.20	0.08	0.12	0.14
Financial Leverage Ratio	8.80	8.80	8.91	9.19	9.94
Debt Service Coverage Ratio	0.20	0.20	0.14	-0.04	0.15
Interest Coverage Ratio	0.62	0.62	0.70	1.32	4.27
Debt to Market Cap	0.51	0.52	0.62	0.68	0.82
Interest Debt Per Share	20.64	20.64	23.98	23.64	27.07
Net Debt to EBITDA	4.32	4.32	3.90	0.00	4.93
Profitability Margins
Gross Profit Margin	67.40%	67.40%	66.55%	100.00%	89.14%
EBIT Margin	19.05%	19.05%	23.44%	-4.20%	34.03%
EBITDA Margin	21.38%	21.38%	24.96%	0.00%	38.01%
Operating Profit Margin	19.05%	19.05%	23.44%	49.64%	34.03%
Pretax Profit Margin	18.88%	18.88%	23.44%	37.97%	34.03%
Net Profit Margin	15.17%	15.17%	19.40%	29.82%	27.02%
Continuous Operations Profit Margin	15.17%	15.17%	19.40%	29.82%	27.02%
Net Income Per EBT	80.37%	80.37%	82.76%	78.53%	79.42%
EBT Per EBIT	99.10%	99.10%	100.00%	76.50%	100.00%
Return on Assets (ROA)	0.79%	0.79%	1.07%	1.13%	1.11%
Return on Equity (ROE)	7.42%	6.93%	9.50%	10.38%	11.07%
Return on Capital Employed (ROCE)	1.92%	1.92%	9.30%	12.68%	10.25%
Return on Invested Capital (ROIC)	-2.98%	-2.98%	5.34%	7.07%	5.03%
Return on Tangible Assets	0.82%	0.82%	1.10%	1.17%	1.15%
Earnings Yield	7.09%	7.12%	9.34%	10.09%	9.04%
Efficiency Ratios
Receivables Turnover	16.17	16.17	0.00	0.00	0.00
Payables Turnover	0.00	0.00	0.00	0.00	0.00
Inventory Turnover	0.00	0.00	0.00	0.00	0.00
Fixed Asset Turnover	4.18	4.18	4.38	3.11	3.38
Asset Turnover	0.05	0.05	0.05	0.04	0.04
Working Capital Turnover Ratio	-0.10	-0.11	-0.08	-0.05	-0.06
Cash Conversion Cycle	22.57	22.57	0.00	0.00	0.00
Days of Sales Outstanding	22.57	22.57	0.00	0.00	0.00
Days of Inventory Outstanding	0.00	0.00	0.00	0.00	0.00
Days of Payables Outstanding	0.00	0.00	0.00	0.00	0.00
Operating Cycle	22.57	22.57	0.00	0.00	0.00
Cash Flow Ratios
Operating Cash Flow Per Share	2.89	2.89	3.44	3.13	3.72
Free Cash Flow Per Share	2.31	2.86	2.95	2.70	3.55
CapEx Per Share	0.58	0.29	0.49	0.43	0.17
Free Cash Flow to Operating Cash Flow	0.80	0.99	0.86	0.86	0.95
Dividend Paid and CapEx Coverage Ratio	1.60	1.91	2.08	2.05	3.13
Capital Expenditure Coverage Ratio	4.97	10.03	7.08	7.26	22.20
Operating Cash Flow Coverage Ratio	0.18	0.18	0.18	0.16	0.14
Operating Cash Flow to Sales Ratio	0.20	0.20	0.23	0.32	0.35
Free Cash Flow Yield	7.38%	9.20%	9.65%	9.19%	11.08%
Valuation Ratios
Price-to-Earnings (P/E) Ratio	14.25	14.04	10.70	9.91	11.06
Price-to-Sales (P/S) Ratio	2.17	2.13	2.08	2.96	2.99
Price-to-Book (P/B) Ratio	0.99	0.97	1.02	1.03	1.22
Price-to-Free Cash Flow (P/FCF) Ratio	13.67	10.87	10.36	10.88	9.03
Price-to-Operating Cash Flow Ratio	10.89	10.74	8.90	9.38	8.62
Price-to-Earnings Growth (PEG) Ratio	-16.67	-0.74	-3.17	4.79	1.08
Price-to-Fair Value	0.99	0.97	1.02	1.03	1.22
Enterprise Value Multiple	14.46	14.28	12.22	0.00	12.79
Enterprise Value	747.13M	743.11M	684.48M	651.24M	783.84M
EV to EBITDA	14.36	14.28	12.22	0.00	12.79
EV to Sales	3.07	3.05	3.05	4.33	4.86
EV to Free Cash Flow	19.37	15.59	15.22	15.93	14.68
EV to Operating Cash Flow	15.48	15.39	13.07	13.74	14.02
Tangible Book Value Per Share	22.42	22.42	21.98	20.32	17.83
Shareholders’ Equity Per Share	31.90	31.90	30.08	28.53	26.16
Tax and Other Ratios
Effective Tax Rate	0.20	0.20	0.17	0.21	0.21
Revenue Per Share	14.57	14.57	14.73	9.93	10.72
Net Income Per Share	2.21	2.21	2.86	2.96	2.90
Tax Burden	0.80	0.80	0.83	0.79	0.79
Interest Burden	0.99	0.99	1.00	-9.05	1.00
Research & Development to Revenue	0.00	0.00	0.00	0.00	0.00
SG&A to Revenue	0.30	0.30	0.25	0.36	0.31
Stock-Based Compensation to Revenue	0.01	0.01	0.01	0.02	0.01
Income Quality	1.31	1.31	1.20	1.06	1.28

Currency in USD