Bar Harbor Bankshares
Financial ratios & Valuation

Forward Multiples (2025 – 2026)

20252026
Price/Earnings ratio
11.0935.79
Price/Sales ratio
2.9311.31
Earnings per Share (EPS)
$2.77$0.86

Historical Multiples (2014 – 2023)

2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 TTM Median
Valuation Ratios
Price/Earnings ratio
12.9713.5819.1515.7710.5417.4410.3511.0111.069.9110.8610.54
Price/Sales ratio
3.673.824.993.472.923.312.423.143.232.952.263.31
Price/Book Value ratio
1.291.331.821.150.930.990.831.021.221.021.000.93
Price/Cash Flow ratio
12.2010.1217.0310.219.2010.839.027.168.369.377.7510.83
Price/Free Cash Flow ratio
14.0111.1422.8911.0910.5414.4910.967.368.7410.878.0914.49
Price/Earnings Growth ratio
1.205.60-8.094.330.42-0.550.210.531.074.793.800.42
Dividend Yield
2.82%2.93%2.29%2.80%3.50%3.38%3.89%3.24%3.18%3.72%3.90%3.50%
Profitability Indicator Ratios
Gross Profit Margin
99.16%99.16%100%100%100%100%100%100%100%100%100.72%100%
Operating Profit Margin
59.00%58.55%57.52%59.40%64.86%22.56%29.30%35.28%48.27%49.63%18.87%22.56%
Pretax Profit Margin
39.80%39.24%36.36%36.07%34.08%22.56%29.30%35.28%36.80%37.97%25.29%22.56%
Net Profit Margin
28.33%28.15%26.09%22.00%27.72%19.02%23.38%28.51%29.23%29.81%20.80%19.02%
Effective Tax Rate
28.81%28.25%28.23%39.01%18.67%15.68%20.18%19.18%20.58%21.47%17.73%15.68%
Return on Assets
1.00%0.95%0.85%0.72%0.91%0.61%0.89%1.05%1.11%1.12%1.05%0.91%
Return On Equity
9.98%9.82%9.52%7.32%8.88%5.70%8.08%9.26%11.07%10.38%9.62%8.88%
Return on Capital Employed
20.11%19.79%20.35%17.64%18.63%1.92%1.14%1.34%2.01%1.88%1.80%1.92%
Liquidity Ratios
Current Ratio
0.360.360.330.260.260.23N/AN/AN/AN/A0.340.26
Quick Ratio
0.360.360.330.260.260.318.679.161.96N/A0.340.26
Cash ratio
0.000.000.000.020.030.022.412.640.27N/A0.020.02
Days of Sales Outstanding
N/AN/AN/AN/AN/AN/AN/AN/AN/AN/AN/AN/A
Days of Inventory outstanding
N/AN/AN/AN/AN/AN/AN/AN/AN/AN/AN/AN/A
Operating Cycle
N/AN/AN/AN/AN/AN/AN/AN/AN/AN/AN/AN/A
Days of Payables Outstanding
N/AN/AN/AN/AN/AN/AN/AN/AN/AN/AN/AN/A
Cash Conversion Cycle
N/AN/AN/AN/AN/AN/AN/AN/AN/AN/AN/AN/A
Debt Ratios
Debt Ratio
0.290.280.300.230.200.140.090.070.100.080.060.14
Debt Equity Ratio
2.922.943.422.331.951.340.810.641.000.760.531.34
Long-term Debt to Capitalization
0.470.470.470.700.660.310.370.290.130.120.340.34
Total Debt to Capitalization
0.740.740.770.700.660.570.440.390.500.430.340.57
Interest Coverage Ratio
N/AN/AN/AN/AN/AN/A-0.01N/AN/AN/A0.63N/A
Cash Flow to Debt Ratio
0.030.040.030.040.050.060.110.220.140.140.240.05
Company Equity Multiplier
9.9710.2411.1910.059.739.259.058.749.939.198.769.25
Cash Flow Ratios
Operating Cash Flow / Sales Ratio
0.300.370.290.330.310.300.260.430.380.310.290.30
Free Cash Flow / Operating Cash Flow Ratio
0.870.900.740.920.870.740.820.970.950.860.950.87
Cash Flow Coverage Ratio
0.030.040.030.040.050.060.110.220.140.140.240.05
Short Term Coverage Ratio
0.050.060.04N/AN/A0.100.400.630.170.17N/A0.10
Dividend Payout Ratio
36.69%39.86%44.04%44.26%36.99%59.08%40.35%35.80%35.20%36.93%41.09%36.99%