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Friday 6 November 2026 Export CAC’s income statement to Excel — free account

Camden National Corporation

CAC Financial Banks Regional

Camden National Corporation’s revenue for fiscal 2025 (year ended December 2025) was $373.2 million, up 26.9% from fiscal 2024.

Revenue
−1.32%
EPS
+8.80%
Free cash flow
−13.7%
Total debt
+2.12%

Quarter to September 2026, against a year earlier

57.90 0.02 −0.03%
Market cap
$978.7M
P/E
10.8×
Fwd P/E
10.8×
Dividend yield
2.91%
F-score
5/9
Altman Z
n/a
Beneish M
n/a
Dividend safety
n/a
Overview
Financials
Income Statement Balance Sheet Cash Flow Metrics & Ratios

Insider Decisions last twelve months

Trades a month
Jan 26 Apr 26 Jul 26 Oct 26
Buy — — — — — — — — — — — —
Sell — — — — — — — — — — — —
Insider Ownership 2.59%

Capital & Financial Ratios $m

Size
Market Cap 978.74
Revenue ttm 373.75
Net income ttm 90.28
Free cash flow ttm 100.42
Net debt Q (253.69)
Valuation
P/E 10.81
Forward P/E 10.80
Price / sales 2.61
Forward P/S Powerpack
Price / FCF 9.73
Price / book 1.36
Financial health
Current ratio Q 0.00
Debt / equity Q 0.00
Interest coverage Q —
Growth
Revenue growth Q −1.32% (below 0%: shrinking)
Operating income growth Q +53.10% (above 0%: growing)
EPS, this year +22.06% (at or above 15%: strong)
EPS, next year A +6.67%
Revenue, next year A −28.13% (below 0%: weak)
EPS, past 5 yrs −0.56% (below 0%: weak)
EPS, next 5 yrs A +12.06%

Green and red mark values outside typical ranges; (Q) is the latest quarter, (A) analysts’ estimates. How we judge →

Valuation vs history

P/E against its own 10 years 38.14%
10-year low 10-year high
P/S against its own 10 years 41.51%
10-year low 10-year high
P/B against its own 10 years 60.51%
10-year low 10-year high

Dividends

Yield
2.91%
Annual rate
1.68
Payout ratio
31.6%
Growth, 2018–26
+5.44%/yr
  1. 1.10 ’18
  2. 1.20 ’19 +9
  3. 1.32 ’20 +10
  4. 1.41 ’21 +7
  5. 1.60 ’22 +13
  6. 1.68 ’23 +5
  7. 1.68 ’24 +0
  8. 1.68 ’25 +0
  9. 1.68 ’26 +0
paid change on the year, % Powerpack

Assets vs Liabilities $m

2023 2024 2025 Q'26
Cash 104 220 103 254
Receivables — — — —
Inventory — — — —
Other — — — —
4,176 4,311 5,038 —
2023 2024 2025 Q'26
Payables 4,597 4,633 5,538 5,849
ST’ Debt — — — —
Other — — — —
5,175 5,230 6,216 6,271

Compound Annual Growth %

10y 5y 3y
Sales 11.41% 12.43% 20.46%
Cash Flow 14.91% 28.52% (15.30%)
Earnings 12.05% 1.89% 2.07%
Book Value 6.73% 5.64% 15.57%

Earnings Trends EPS, adjusted, against the consensus

Q3 FY26 Estimate 1.32 Actual 1.34

Earnings per share against the consensus, by quarter
Quarter Estimate Reported Result
Q4 FY25 1.32 1.33 Beat by 0.01
Q1 FY26 1.26 1.29 Beat by 0.03
Q2 FY26 1.30 1.35 Beat by 0.05
Q3 FY26 1.32 1.34 Beat by 0.02
Q4 FY26 1.38 — Reports 26 January 2027

EPS $

Mar Jun Sep Dec Year
’26 1.29 1.35 1.34 — —
’25 0.43 0.83 1.25 1.33 3.84
’24 0.91 0.81 0.90 1.00 3.62
’23 0.87 0.85 0.67 0.58 2.97
’22 1.13 1.02 0.97 1.05 4.17
’21 1.31 1.21 0.97 1.11 4.60
’20 0.89 0.73 1.11 1.22 3.95
Fiscal quarters ending in the months shown.

Revenue $m

Mar Jun Sep Dec Year
’26 90 93 94 — —
’25 90 92 95 96 373
’24 71 73 75 76 294
’23 63 66 63 66 257
’22 49 51 55 59 213
’21 51 48 48 52 198
’20 52 51 51 53 208
Fiscal quarters ending in the months shown.

Operating Cash Flow $m

Mar Jun Sep Dec Year
’26 20 31 35 — —
’25 1 6 36 21 64
’24 18 14 (15) 43 61
’23 15 17 47 (11) 68
’22 43 27 15 20 105
’21 62 22 27 31 143
’20 (33) 14 14 24 18
Fiscal quarters ending in the months shown.

Free Cash Flow $m

Mar Jun Sep Dec Year
’26 18 30 33 — —
’25 (1) 5 39 19 61
’24 17 13 (16) 41 55
’23 14 17 46 (12) 65
’22 42 26 15 20 103
’21 62 23 25 31 141
’20 (34) 13 13 24 15
Fiscal quarters ending in the months shown.

Target Price Range

Analyst price targets

Recommendation Rating

2.8
1Buy 2 3Hold 4 5Sell

Ten years at a glance Fiscal years to December

Ten-year view Analyst estimates Powerpack
Group Line 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 TTM Sep ’26 Trend 10 yrs 2026e 2027e 2028e Next 3/yr
Income, $m
Income, $m Revenue 169 175 190 211 208 198 213 257 294 373 374 +9.2% 268 283 298 (7.3%)
Gross margin, % 90.22 88.09 83.65 80.59 89.94 94.43 88.25 63.47 60.18 68.54 71.83 (21.7) pt
EBT 58 62 66 72 74 87 77 54 65 79 115 +3.5%
EBT margin, % 34.00 35.69 34.70 33.98 35.82 43.71 36.09 20.93 22.26 21.08 30.75 (12.9) pt
Net income 40 28 53 57 59 69 61 43 53 65 90 +5.6%
Per share, $
Per share, $ Revenue 10.97 11.26 12.17 13.67 13.86 13.30 14.58 17.67 20.17 22.08 22.12 +8.1%
Earnings 2.59 1.83 3.40 3.70 3.96 4.62 4.18 2.98 3.63 3.86 5.35 +4.5%
Cash flow 3.72 3.76 4.13 2.13 1.22 9.58 7.18 4.64 4.18 3.78 6.30 +0.2%
Capex (0.10) (0.17) (0.27) (0.28) (0.20) (0.12) (0.12) (0.18) (0.38) (0.15) (0.36) +4.3%
Free cash flow 3.62 3.59 3.86 1.86 1.02 9.45 7.07 4.46 3.80 3.63 5.94 0.0%
Book value 25.39 26.01 27.99 30.73 35.32 36.32 30.82 33.99 36.44 41.22 42.65 +5.5%
Shares, m 15 16 16 15 15 15 15 15 15 17 17 +1.0%
Valuation, ×
Valuation, × P/E 17.18 23.16 10.58 12.45 9.04 10.42 10.01 12.73 11.74 11.27 10.81 12.9
P/S 4.01 3.76 2.95 3.37 2.58 3.62 2.87 2.14 2.12 1.96 2.61 2.9
P/B 1.73 1.63 1.29 1.50 1.01 1.33 1.36 1.11 1.17 1.05 1.36 1.3
EV/Sales 3.90 3.57 2.97 3.32 2.27 2.71 2.71 1.91 1.52 1.86 — 2.7
EV/FCF 11.82 11.22 9.39 24.45 30.75 3.81 5.58 7.56 8.08 11.28 — 12.4
Cash, $m
Cash, $m Operating cash flow 57 58 64 33 18 143 105 68 61 64 106 +1.2%
Capex (2) (3) (4) (4) (3) (2) (2) (3) (6) (3) (6) +5.3%
Free cash flow 56 56 60 29 15 141 103 65 55 61 100 +1.1%
Balance, $m
Balance, $m Working capital (729) (723) 2,746 2,812 3,094 (1,286) (1,118) (999) (919) (1,177) (6,271) +5.5%
Net debt (18) (33) 4 (10) (66) (181) (35) (60) (176) (41) (254) +9.4%
Shareholders’ equity 392 403 436 473 529 541 451 495 531 697 721 +6.6%
Returns, %
Returns, % ROA 1.06 0.72 1.27 1.31 1.27 1.32 1.10 0.76 0.92 1.02 1.29 0.0 pt
ROIC 9.78 10.53 9.35 9.66 10.03 15.02 11.57 7.74 11.72 8.38 0.00 (1.4) pt
ROE 10.62 7.13 12.61 12.56 11.84 12.86 12.35 9.16 10.33 10.61 12.92 0.0 pt
People
People Employees 631 636 634 639 609 623 630 600 586 683 — +0.9%
Revenue/emp, $m 0.27 0.27 0.30 0.33 0.34 0.32 0.34 0.43 0.50 0.55 — +8.2%
Negative figures in brackets.
estimates

All 10 years →

Fiscal years to Dec 2025 · latest quarter Sep 2026 · fundamentals updated 5 Nov 2026

Camden National Corporation vs peers in Banks Regional (Q) = latest quarter vs a year earlier

Company Market cap P/E Fwd P/E Revenue growth (Q) EPS growth (Q) FCF growth (Q) Gross margin (Q) EBIT margin (Q) Compare
MCBS MetroCity Bankshares, Inc. $1.0B 11.8× 11.4× +23.15% (above 0%: growing) +23.53% (above 0%: growing) −202.65% (below 0%: shrinking) 64.69% 0.00% Compare
MBWM Mercantile Bank Corporation $1.0B 10.8× 10.7× +6.81% (above 0%: growing) −4.79% (below 0%: shrinking) +122.41% (above 0%: growing) 71.37% 0.00% Compare
EGBN Eagle Bancorp, Inc. $1.0B 23.6× 16.6× −14.05% (below 0%: shrinking) n/m +207.40% (above 0%: growing) 54.04% 0.00% Compare
SBSI Southside Bancshares, Inc. $1.0B 10.4× 9.6× +34.14% (above 0%: growing) +487.50% (above 0%: growing) +73.84% (above 0%: growing) 61.38% 0.00% Compare
EQBK Equity Bancshares, Inc. $1.0B 28.8× 10.6× +39.99% (above 0%: growing) +47.13% (above 0%: growing) +40.78% (above 0%: growing) 70.70% 0.00% Compare
CAC Camden National Corporation $978.7M 10.8× 10.8× −1.32% (below 0%: shrinking) +8.80% (above 0%: growing) −13.69% (below 0%: shrinking) 73.23% 0.00%
CPF CPB Inc. $977.8M 11.5× 11.4× −0.51% (below 0%: shrinking) +28.99% (above 0%: growing) +31.44% (above 0%: growing) 82.63% 0.00% Compare
HAFC Hanmi Financial Corporation $959.5M 10.6× 10.2× +2.24% (above 0%: growing) +10.38% (above 0%: growing) +48.02% (above 0%: growing) 65.09% 0.00% Compare
TRST TrustCo Bank Corp NY $934.5M 15.1× 9.1× +5.24% (above 0%: growing) +18.39% (above 0%: growing) +2.59% (above 0%: growing) 69.68% 0.00% Compare
Median of peers $1.0B 11.6× 10.6× +6.03% +23.53% +44.40% 67.39% 0.00%

All 327 Banks Regional stocks →

Pay and ownership Proxy statement filed 3 April 2026

Chief executive’s pay

Year Total pay Actually paid $100 invested
2025 2.32m 2.49m 149.16
2024 1.92m 1.99m 113.70
2023 1.52m 1.45m 95.46
2022 1.32m 1.60m 100.49
2021 2.38m 2.31m 112.11

Ownership

Directors and executive officers, together 2.06%
50 Hudson Yards, New York, NY 8.57%
245 Summer Street, Boston, MA 7.68%
101 John F. Kennedy Parkway, Short Hills, NJ 7.28%
Total pay is as the Summary Compensation Table states it; actually paid revalues the year’s share awards at its end, as the SEC’s pay-versus-performance rule asks. $100 invested is what $100 in the company’s shares at the start of the earliest year shown was worth at each year’s end. Ownership is the proxy’s own table: the directors and officers as a group, and every holder of 5% or more. Read the proxy statement

Camden National Corporation (CAC) Latest News

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27 Apr

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stockrow.com/CAC · Data as of Nov 5, 2026 · For information only; not investment advice. · © 2026 stockrow.com