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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 Q3 2025 was $0.66. For the 2025 fiscal year, BHB's free cash flow was decreased by $ and operating cash flow was $0.17. See a summary of the company’s cash flow.

Ratios	TTM	Dec 24	Dec 23	Dec 22	Dec 21
Liquidity Ratios
Current Ratio	0.00	0.17	0.19	0.19	0.28
Quick Ratio	0.00	0.17	0.19	0.19	0.28
Cash Ratio	0.00	0.02	0.03	0.03	0.08
Solvency Ratio	0.01	0.01	0.01	0.01	0.01
Operating Cash Flow Ratio	0.00	0.01	0.01	0.02	0.02
Short-Term Operating Cash Flow Coverage	0.00	0.21	0.20	0.17	0.62
Net Current Asset Value	$ -3.51B	$ -3.03B	$ -2.91B	$ -2.86B	$ -2.42B
Leverage Ratios
Debt-to-Assets Ratio	0.06	0.07	0.08	0.10	0.05
Debt-to-Equity Ratio	0.51	0.63	0.70	1.00	0.42
Debt-to-Capital Ratio	0.34	0.39	0.41	0.50	0.30
Long-Term Debt-to-Capital Ratio	0.34	0.08	0.12	0.14	0.16
Financial Leverage Ratio	8.80	8.91	9.19	9.94	8.75
Debt Service Coverage Ratio	0.57	0.14	-0.04	0.15	0.42
Interest Coverage Ratio	0.62	0.70	1.32	4.27	3.19
Debt to Market Cap	0.46	0.62	0.68	0.82	0.41
Interest Debt Per Share	20.64	23.98	23.64	27.07	12.94
Net Debt to EBITDA	4.32	3.90	0.00	4.93	-1.30
Profitability Margins
Gross Profit Margin	67.40%	66.55%	100.00%	89.14%	90.78%
EBIT Margin	19.05%	23.44%	-4.20%	34.03%	31.77%
EBITDA Margin	21.38%	24.96%	0.00%	38.01%	36.08%
Operating Profit Margin	19.05%	23.44%	49.64%	34.03%	31.77%
Pretax Profit Margin	18.88%	23.44%	37.97%	34.03%	31.77%
Net Profit Margin	15.17%	19.40%	29.82%	27.02%	25.67%
Continuous Operations Profit Margin	15.17%	19.40%	29.82%	27.02%	25.67%
Net Income Per EBT	80.37%	82.76%	78.53%	79.42%	80.82%
EBT Per EBIT	99.10%	100.00%	76.50%	100.00%	100.00%
Return on Assets (ROA)	0.79%	1.07%	1.13%	1.11%	1.06%
Return on Equity (ROE)	7.42%	9.50%	10.38%	11.07%	9.27%
Return on Capital Employed (ROCE)	0.99%	9.30%	12.68%	10.25%	8.59%
Return on Invested Capital (ROIC)	4.19%	5.34%	7.07%	5.03%	5.95%
Return on Tangible Assets	0.82%	1.10%	1.17%	1.15%	1.10%
Earnings Yield	6.29%	9.34%	10.09%	9.04%	9.07%
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	4.18	4.38	3.11	3.38	3.10
Asset Turnover	0.05	0.05	0.04	0.04	0.04
Working Capital Turnover Ratio	-0.18	-0.08	-0.05	-0.06	-0.20
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	2.66	3.44	3.13	3.72	3.95
Free Cash Flow Per Share	2.33	2.95	2.70	3.55	3.84
CapEx Per Share	0.33	0.49	0.43	0.17	0.11
Free Cash Flow to Operating Cash Flow	0.88	0.86	0.86	0.95	0.97
Dividend Paid and CapEx Coverage Ratio	1.77	2.08	2.05	3.13	3.75
Capital Expenditure Coverage Ratio	8.10	7.08	7.26	22.20	34.48
Operating Cash Flow Coverage Ratio	0.16	0.18	0.16	0.14	0.33
Operating Cash Flow to Sales Ratio	0.18	0.23	0.32	0.35	0.39
Free Cash Flow Yield	6.63%	9.65%	9.19%	11.08%	13.27%
Valuation Ratios
Price-to-Earnings (P/E) Ratio	15.89	10.70	9.91	11.06	11.02
Price-to-Sales (P/S) Ratio	2.41	2.08	2.96	2.99	2.83
Price-to-Book (P/B) Ratio	1.10	1.02	1.03	1.22	1.02
Price-to-Free Cash Flow (P/FCF) Ratio	15.08	10.36	10.88	9.03	7.54
Price-to-Operating Cash Flow Ratio	13.22	8.90	9.38	8.62	7.32
Price-to-Earnings Growth (PEG) Ratio	-18.59	-3.17	4.79	1.08	0.53
Price-to-Fair Value	1.10	1.02	1.03	1.22	1.02
Enterprise Value Multiple	15.59	12.22	0.00	12.79	6.54
Enterprise Value	811.13M	684.48M	651.24M	783.84M	361.19M
EV to EBITDA	15.59	12.22	0.00	12.79	6.54
EV to Sales	3.33	3.05	4.33	4.86	2.36
EV to Free Cash Flow	20.85	15.22	15.93	14.68	6.29
EV to Operating Cash Flow	18.28	13.07	13.74	14.02	6.10
Tangible Book Value Per Share	22.42	21.98	20.32	17.83	19.90
Shareholders’ Equity Per Share	31.90	30.08	28.53	26.16	28.34
Tax and Other Ratios
Effective Tax Rate	0.20	0.17	0.21	0.21	0.19
Revenue Per Share	14.57	14.73	9.93	10.72	10.23
Net Income Per Share	2.21	2.86	2.96	2.90	2.63
Tax Burden	0.80	0.83	0.79	0.79	0.81
Interest Burden	0.99	1.00	-9.05	1.00	1.00
Research & Development to Revenue	0.00	0.00	0.00	0.00	0.00
SG&A to Revenue	0.30	0.25	0.36	0.31	0.31
Stock-Based Compensation to Revenue	0.01	0.01	0.02	0.01	0.01
Income Quality	1.23	1.20	1.06	1.28	1.51

Currency in USD