| Company Name: | Bar Harbor Bankshares | | Ticker Symbol: | BHB | | | WWW Address: | www.bhbt.com | | CEO: | Joseph M. Murphy | | No. of Employees: | 139 | | Common Issue Type: | CS | | Business Description: | A bank holding company, which through its subsidiary, Bar Harbor Bank & Trust offers a range of deposit, loan, and related banking products, as well as brokerage services provided through a third-party brokerage arrangement.
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| | | Industry Information: | BANKING - Regional - Northeast Banks [more like this] |
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| Price | Day Change | Bid | Ask | Open | High | Low | Volume | | 28.22 |  0.32 | 25.61 | 28.22 | 27.89 | 28.95 | 27.65 | 9461 |
| Market Cap (mil) | Shares Outstanding (mil) | Beta | EPS | DPS | P/E | Yield | 52-Wks-Range |
| 81.8 | 2.9 | 0.67 | 2.57 | 1.02 | 9.1 | 3.7 | 37.20 - 17.28 |
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| KEY FIGURES (Latest Twelve Months - LTM) | | Yesterday's Close | 28.22 | $ | | PE Ratio - LTM | 9.1 | |
| Market Capitalisation | 81.6 | mil |
| Latest Shares Outstanding | 2.9 | mil |
| Earnings pS (EPS) | 2.57 | $ |
| Dividend pS (DPS) | 1.02 | ¢ |
| Dividend Yield | 3.7 | % |
| Dividend Payout Ratio | 40 | % |
| Revenue per Employee | 431,842 | $ |
| Effective Tax Rate | 30.4 | % |
| Float | 2.6 | mil |
| Float as % of Shares Outstanding | 91.8 | % |
| Foreign Sales | - | |
| Domestic Sales | - | |
| Selling, General & Adm/tive (SG&A) as % of Revenue | - | |
| Research & Devlopment (R&D) as % of Revenue | - | |
| Gross Profit Margin | - | |
| EBITDA Margin | 60.2 | % |
| Pre-Tax Profit Margin | 23.1 | % |
| Assets Turnover | 0.1 | % |
| Return on Assets (ROA) | 0.9 | % |
| Return on Equity (ROE) | 13.0 | % |
| Return on Capital Invested (ROCI) | 3.1 | % |
| Current Ratio | - | |
| Leverage Ratio (Assets/Equity) | 13.9 | |
| Interest Cover | 1.6 | |
| Total Debt/Equity (Gearing Ratio) | 4.49 | |
| LT Debt/Total Capital | 71.0 | % |
| Working Capital pS | - | |
| Cash pS | - | |
| Book-Value pS | 26.31 | $ |
| Tangible Book-Value pS | 25.22 | $ |
| Cash Flow pS | 3.16 | $ |
| Free Cash Flow pS | 1.94 | $ |
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| KEY FIGURES (LTM): Price info |
| Price/Book Ratio | 1.07 | |
| Price/Tangible Book Ratio | 1.12 | |
| Price/Cash Flow | 8.9 | |
| Price/Free Cash Flow | 14.5 | |
| P/E as % of Industry Group | 0.0 | % |
| P/E as % of Sector Segment | 0.0 | % |
| | | Balance Sheet (at a glance) in Millions |
| | | | | | DIVIDEND INFO | | Dividend Declared Date | 10/20/2009 |
| Dividend Ex-Date | 11/12/2009 |
| Dividend Record Date | 11/16/2009 |
| Dividend Pay Date | 12/14/2009 |
| Dividend Amount | 260 |
| Type of Payment | Cash Payment |
| Dividend Rate | 1.04 |
| Current Dividend Yield | 3.7 |
| 5-Y Average Dividend Yield | 3.2 |
| Payout Ratio | 40.0 |
| 5-Y Average Payout Ratio | 42.0 |
|  | | Share price performance previous 3 years |
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 | | | Share price performance intraday |
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| PRICE/VOLUME | High | Low | Close | % Price Chg | % Price Chg vs. Mkt. | Avg. Daily Vol | Total Vol |
| 1 Week | - | - | - | 1.1 | 100 | 46 | 95 |
| 4 Weeks | 32.35 | 27.56 | 28.40 | -0.6 | 93 | 50 | 797 |
| 13 Weeks | 35.05 | 26.27 | 34.20 | -17.5 | 77 | 38 | 2,282 |
| 26 Weeks | 37.20 | 26.27 | 28.00 | 0.8 | 84 | 64 | 7,980 |
| 52 Weeks | 37.20 | 17.28 | 26.64 | 5.9 | 86 | 52 | 12,844 |
| YTD | 37.20 | 17.28 | - | 9.6 | 89 | 52 | 11,811 |
| Moving Average | 5-Days | 10-Days | 10-Weeks | 30-Weeks | 200-Days | Beta (60-Mnth) | Beta (36-Mnth) |
| 28.33 | 29.58 | 31.39 | 31.32 | 28.99 | 0.67 | 0.69 |
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| GROWTH RATES | 5-Year
Growh | R² of 5-Year Growth | 3-Year
Growth |
| Revenue | 9.92 | 89.3 | 4.44 |
| Income | 10.04 | 96.2 | 10.14 |
| Dividend | 5.62 | 98.0 | 4.83 |
| Capital Spending | -8.30 | NA | -7.45 |
| R&D | 0.00 | NA | 0.00 |
| Normalized Inc. | 9.88 | NA | 10.23 |
| | | CHANGES | YTD vs.
Last YTD | Curr Qtr vs.
Qtr 1-Yr ago | Annual vs.
Last Annual |
| Revenue % | -0.6 | -0.7 | 4.0 |
| Earnings % | 34.4 | 33.1 | 8.1 |
| EPS % | 25.8 | 21.8 | 11.7 |
| EPS $ | 0.54 | 0.17 | 0.27 |
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| SOLVENCY RATIOS | | SHORT-TERM SOLVENCY RATIOS (LIQUIDITY) |
| Free Cash Flow Margin | 12.79 |
| Free Cash Flow Margin 5YEAR AVG | 11.31 |
| Cash-Flow pS | 3.71 |
| Free Cash-Flow pS | 2.39 |
| FINANCIAL STRUCTURE RATIOS |
| Financial Leverage Ratio (Assets/Equity) | 14.86 |
| Debt Ratio | 93.27 |
| Total Debt/Equity (Gearing Ratio) | 4.95 |
| LT Debt/Equity | 3.09 |
| LT Debt/Capital Invested | 75.55 |
| LT Debt/Total Liabilities | 22.30 |
| | | | VALUATION RATIOS | | MULTIPLES |
| PQ Ratio | 3.32 |
| Tobin's Q Ratio | 0.09 |
| Current P/E Ratio - LTM | 9.10 |
| Enterprise Value (EV)/EBITDA | 0.05 |
| Enterprise Value (EV)/Free Cash Flow | 5.69 |
| Dividend Yield | 3.7 |
| Price/Tangible Book Ratio - LTM | 1.12 |
| Price/Book Ratio - LTM | 1.07 |
| Price/Cash Flow Ratio | 8.9 |
| Price/Free Cash Flow Ratio - LTM | 14.5 |
| P/E Ratio (1 month ago) - LTM | 9.2 |
| P/E Ratio (26 weeks ago) - LTM | 10.2 |
| P/E Ratio (52 weeks ago) - LTM | 10.0 |
| 5-Y High P/E Ratio | 16.3 |
| 5-Y Low P/E Ratio | 7.5 |
| 5-Y Average P/E Ratio | 13.5 |
| Current P/E Ratio as % of 5-Y Average P/E | 68 |
| P/E as % of Industry Group | 0.0 |
| P/E as % of Sector Segment | 0.0 |
| Current 12 Month Normalized P/E Ratio - LTM | 9.1 |
| PER SHARE FIGURES |
| Tangible Book Value pS - LTM | 25.22 |
| Book Value pS - LTM | 26.31 |
| Capital Invested pS | 92.58 |
| Cash Flow pS - LTM | 3.16 |
| Free Cash Flow pS - LTM | 1.94 |
| Earnings pS (EPS) | 2.57 |
| | | | OPERATING RATIOS | | PROFITABILITY |
| Return on Equity (ROE) | 11.81 |
| Return on Equity (ROE) - 5YEAR AVRG. | 11.1 |
| Return on Capital Invested (ROCI) | 2.89 |
| Return on Capital Invested (ROCI) - 5YEAR AVRG. | 3.6 |
| Return on Assets (ROA) | 0.80 |
| Return on Assets (ROA) - 5YEAR AVRG. | 0.8 |
| EBIT Margin - LTM | 60.2 |
| EBITDA Margin - LTM | 60.2 |
| Pre-Tax Profit Margin | 40.88 |
| Pre-Tax Profit Margin - 5YEAR AVRG. | 42.01 |
| Net Profit Margin | 28.43 |
| Net Profit Margin - 5YEAR AVRG. | 29.78 |
| Effective Tax Rate | 30.45 |
| Effective Tax Rate - 5YEAR AVRG. | 29.07 |
| EFFICIENCY RATIOS |
| Revenue per Employee - LTM | 429,741 |
| Net Income per Employee - LTM | 71,245 |
| Assets/Revenue - LTM | 1,000.00 |
| Assets/Revenue - 5YEAR AVRG. | 3,591.09 |
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