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Bar Harbor Bankshares (BHB)
:BHB
US Market
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 25Dec 24Dec 23Dec 22
Liquidity Ratios
Current Ratio
 0.00 0.17 0.17 0.19 0.19
Quick Ratio
 0.00 0.17 0.17 0.19 0.19
Cash Ratio
 0.00 0.02 0.02 0.03 0.03
Solvency Ratio
 0.01 0.01 0.01 0.01 0.01
Operating Cash Flow Ratio
 0.00 0.01 0.01 0.01 0.02
Short-Term Operating Cash Flow Coverage
 0.00 0.36 0.21 0.20 0.17
Net Current Asset Value
$ -4.10B$ -3.47B$ -3.03B$ -2.91B$ -2.86B
Leverage Ratios
Debt-to-Assets Ratio
 0.05 0.06 0.07 0.08 0.10
Debt-to-Equity Ratio
 0.40 0.51 0.63 0.70 1.00
Debt-to-Capital Ratio
 0.29 0.34 0.39 0.41 0.50
Long-Term Debt-to-Capital Ratio
 0.29 0.20 0.08 0.12 0.14
Financial Leverage Ratio
 8.69 8.80 8.91 9.19 9.94
Debt Service Coverage Ratio
 0.48 0.20 0.14 -0.04 0.15
Interest Coverage Ratio
 0.54 0.62 0.70 1.32 4.27
Debt to Market Cap
 0.37 0.52 0.62 0.68 0.82
Interest Debt Per Share
 17.37 20.64 23.98 23.64 27.07
Net Debt to EBITDA
 3.90 3.63 3.90 0.00 4.93
Profitability Margins
Gross Profit Margin
67.33%67.40%66.55%100.00%89.14%
EBIT Margin
16.64%19.05%23.44%-4.20%34.03%
EBITDA Margin
19.03%21.38%24.96%0.00%38.01%
Operating Profit Margin
16.64%19.05%23.44%49.64%34.03%
Pretax Profit Margin
20.76%18.88%23.44%37.97%34.03%
Net Profit Margin
16.58%15.17%19.40%29.82%27.02%
Continuous Operations Profit Margin
16.58%15.17%19.40%29.82%27.02%
Net Income Per EBT
79.86%80.37%82.76%78.53%79.42%
EBT Per EBIT
124.75%99.10%100.00%76.50%100.00%
Return on Assets (ROA)
0.86%0.79%1.07%1.13%1.11%
Return on Equity (ROE)
7.81%6.93%9.50%10.38%11.07%
Return on Capital Employed (ROCE)
0.86%6.37%9.30%12.68%10.25%
Return on Invested Capital (ROIC)
0.69%4.32%5.34%7.07%5.03%
Return on Tangible Assets
0.89%0.82%1.10%1.17%1.15%
Earnings Yield
6.87%7.12%9.34%10.09%9.04%
Efficiency Ratios
Receivables Turnover
 0.00 0.00 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
 4.12 4.18 4.38 3.11 3.38
Asset Turnover
 0.05 0.05 0.05 0.04 0.04
Working Capital Turnover Ratio
 -0.15 -0.08 -0.08 -0.05 -0.06
Cash Conversion Cycle
 0.00 0.00 0.00 0.00 0.00
Days of Sales Outstanding
 0.00 0.00 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
 0.00 0.00 0.00 0.00 0.00
Cash Flow Ratios
Operating Cash Flow Per Share
 2.63 2.89 3.44 3.13 3.72
Free Cash Flow Per Share
 2.14 2.60 2.95 2.70 3.55
CapEx Per Share
 0.49 0.29 0.49 0.43 0.17
Free Cash Flow to Operating Cash Flow
 0.81 0.90 0.86 0.86 0.95
Dividend Paid and CapEx Coverage Ratio
 1.50 1.91 2.08 2.05 3.13
Capital Expenditure Coverage Ratio
 5.39 10.03 7.08 7.26 22.20
Operating Cash Flow Coverage Ratio
 0.20 0.18 0.18 0.16 0.14
Operating Cash Flow to Sales Ratio
 0.18 0.20 0.23 0.32 0.35
Free Cash Flow Yield
6.11%8.38%9.65%9.19%11.08%
Valuation Ratios
Price-to-Earnings (P/E) Ratio
 14.56 14.04 10.70 9.91 11.06
Price-to-Sales (P/S) Ratio
 2.42 2.13 2.08 2.96 2.99
Price-to-Book (P/B) Ratio
 1.09 0.97 1.02 1.03 1.22
Price-to-Free Cash Flow (P/FCF) Ratio
 16.38 11.93 10.36 10.88 9.03
Price-to-Operating Cash Flow Ratio
 13.32 10.74 8.90 9.38 8.62
Price-to-Earnings Growth (PEG) Ratio
 -1.04 -0.74 -3.17 4.79 1.08
Price-to-Fair Value
 1.09 0.97 1.02 1.03 1.22
Enterprise Value Multiple
 16.60 13.59 12.22 0.00 12.79
Enterprise Value
 766.60M 707.22M 684.48M 651.24M 783.84M
EV to EBITDA
 16.60 13.59 12.22 0.00 12.79
EV to Sales
 3.16 2.91 3.05 4.33 4.86
EV to Free Cash Flow
 21.41 16.27 15.22 15.93 14.68
EV to Operating Cash Flow
 17.43 14.65 13.07 13.74 14.02
Tangible Book Value Per Share
 22.73 22.42 21.98 20.32 17.83
Shareholders’ Equity Per Share
 32.16 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
 14.51 14.57 14.73 9.93 10.72
Net Income Per Share
 2.41 2.21 2.86 2.96 2.90
Tax Burden
 0.80 0.80 0.83 0.79 0.79
Interest Burden
 1.25 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
 0.36 0.31 0.26 0.36 0.31
Stock-Based Compensation to Revenue
 0.01 0.01 0.01 0.02 0.01
Income Quality
 1.09 1.31 1.20 1.06 1.28
Currency in USD