DDM Analysis: BHB

Valuation Snapshot

Stable Growth	$63.66 - $214.75	$104.18
Multi-Stage	$42.33 - $46.20	$44.23
Blended Fair Value	$74.21
Current Price	$30.46
Upside	143.62%
Decision	Buy

Dividend History & Growth Metrics (10Y)

Metric	5Y CAGR	10Y CAGR	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015
DPS	5.88%	12.74%	1.14	1.06	0.98	0.90	0.86	0.86	0.78	0.74	0.42	0.39
YoY Growth	-	-	7.38%	8.03%	8.97%	4.88%	0.38%	9.70%	5.90%	74.93%	8.89%	12.64%
Dividend Yield	-	-	3.87%	4.14%	3.72%	3.15%	2.92%	4.96%	2.95%	2.66%	1.27%	1.75%

Stable Growth Model (Adjusted)

(USD in Millions except Per Share Data)

Net Income To Common (M)	36.16
(-) Cash Dividends Paid (M)	19.56
(=) Cash Retained (M)	16.59

Metric	LOW	BASE	HIGH
Required Retention Ratio	20.0%	12.5%	7.5%
(=) Cash Required (M)	7.23	4.52	2.71
Cash Retained (M)	16.59	16.59	16.59
(-) Cash Required (M)	-7.23	-4.52	-2.71
(=) Excess Retained (M)	9.36	12.07	13.88
(/) Shares Outstanding (M)	15.60	15.60	15.60
(=) Excess Retained per Share	0.60	0.77	0.89
LTM Dividend per Share	1.25	1.25	1.25
(+) Excess Retained per Share	0.60	0.77	0.89
(=) Adjusted Dividend	1.85	2.03	2.14
WACC / Discount Rate	8.57%	8.57%	8.57%
Growth Rate	5.50%	6.50%	7.50%
Fair Value	$63.66	$104.18	$214.75
Upside / Downside	108.98%	242.04%	605.03%

Multi-Stage Model: Projections

(USD in Millions)

Metric	TTM	Dec-27	Dec-28	Dec-29	Dec-30	Dec-31	Terminal
Net Income (M)	36.16	38.51	41.01	43.68	46.51	49.54	51.02
Payout Ratio	54.11%	61.28%	68.46%	75.64%	82.82%	90.00%	92.50%
Projected Dividends (M)	19.56	23.60	28.08	33.04	38.52	44.58	47.20

Multi-Stage Valuation

Metric	LOW	BASE	HIGH
WACC / Discount Rate	8.57%	8.57%	8.57%
Growth Rate	5.50%	6.50%	7.50%
Year 1 PV (M)	21.53	21.74	21.94
Year 2 PV (M)	23.37	23.82	24.27
Year 3 PV (M)	25.09	25.81	26.55
Year 4 PV (M)	26.70	27.72	28.78
Year 5 PV (M)	28.19	29.55	30.96
PV of Terminal Value (M)	535.44	561.30	588.15
Equity Value (M)	660.32	689.94	720.65
Shares Outstanding (M)	15.60	15.60	15.60
Fair Value	$42.33	$44.23	$46.20
Upside / Downside	38.97%	45.21%	51.67%

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Bar Harbor Bankshares (BHB)

Valuation Snapshot

Dividend History & Growth Metrics (10Y)

Stable Growth Model (Adjusted)

Multi-Stage Model: Projections

Multi-Stage Valuation

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