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Camden National Corporation CAC

Financial — Banks Regional
Dividend Champion (5y)
Growth Flags show if company had growth for consecutive years

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Insider Decisions

in millions of $
Nov 25 Feb 26 May 26 Aug 26
Buy — — — — — — — — — — — —
Sell — — — — — — — — — — — —
Insider Ownership
2.64%

Capital & Financial Ratios

Market Cap
971.24
Revenue
375.01
Net Income
88.66
Free Cash Flow
105.71
Net Debt
(42.18)
Current Ratio
0.82
Debt/Equity
0.09
P/E ratio
10.98
P/S ratio
2.59
P/B ratio
1.34
Past 5Y EPS Growth
(0.40%)
This Y EPS Growth
22.92%
Next Y EPS Growth
6.82%
Next 5Y EPS Growth
17.54%
in millions of $

Dividends

Payout Ratio
0.44
Annual Dividend Rate
1.68
Annual Dividend Yield
5.40%
total individual payouts
2027 ‡‡‡‡‡
2026 1.68
—
—
—
2025 1.68
—
—
—
—
2024 1.68
—
—
—
—
2023 1.68
—
—
—
—
2022 1.60
—
—
—
—
2021 1.41
—
—
—
—
2020 1.32
—
—
—
—
2019 1.20
—
—
—
—
2018 1.10
—
—
—
—
2017 0.92
—
—
—
—
2016 0.80
—
—
—
—
predictions in italic, special payouts not included in total or ratios

Assets vs Liabilities

2023 2024 2025 Q'26
Cash 104.45 220.21 103.24 104.85
Receivables — — — —
Inventory — — — —
Other — — — —
4,175.93 4,310.79 5,038.14 5,077.60
2023 2024 2025 Q'26
Payables 4,597.36 4,633.17 5,537.78 5,555.10
ST’ Debt — — — —
Other — — — —
5,175.11 5,229.58 6,215.51 6,162.39
in millions of $

Compound Annual Growth

10y 5y 3y
Sales ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡
Cash Flow ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡
Earnings ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡
Book Value ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡

Revenue

Mar Jun Sep Dec Year
’26 90.35 93.46 — —
—
’25 89.59 92.39 95.02 96.18
373.18
’24 70.51 72.81 75.13 75.66
294.10
’23 62.59 66.17 62.74 65.78
257.28
’22 48.68 51.17 54.54 59.10
213.49
’21 50.60 47.59 48.48 51.55
198.22
’20 51.62 51.24 51.36 53.47
207.69
in millions of $

Operating Cash Flow

Mar Jun Sep Dec Year
’26 20.01 31.16 — —
—
’25 1.03 6.03 36.10 20.75
63.91
’24 17.76 14.49 (14.50) 43.19
60.93
’23 14.52 17.13 47.16 (11.30)
67.51
’22 42.75 26.77 15.20 20.47
105.18
’21 62.06 22.45 27.16 31.05
142.72
’20 (32.99) 13.51 13.56 24.16
18.23
in millions of $

Free Cash Flow

Mar Jun Sep Dec Year
’26 18.23 29.91 — —
—
’25 (0.73) 4.55 38.59 18.98
61.39
’24 17.21 13.20 (16.21) 41.16
55.36
’23 14.02 16.60 46.46 (12.19)
64.89
’22 42.36 26.21 15.27 19.63
103.47
’21 61.74 22.92 25.46 30.75
140.86
’20 (34.28) 12.53 13.23 23.83
15.30
in millions of $

EPS

Mar Jun Sep Dec Year
’26 1.29 1.35 — —
—
’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

Target Price Range

High
‡‡‡‡‡
‡‡‡‡
Average
‡‡‡‡‡
‡‡‡‡
Low
‡‡‡‡‡
‡‡‡‡

Recommendation Rating

2.8
1
Buy
2
3
Hold
4
5
Sell
2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028
‡‡‡‡‡ ‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 40.35 26.52 28.62 34.53 — — —
Low Price
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 52.16 42.95 50.07 46.80 — — —
High Price
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 630 600 586 683 — — —
Employees
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 0.34 0.43 0.50 0.55 — — —
Revenue/Emp
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 213.49 257.28 294.10 373.18 ‡‡‡‡‡ ‡‡‡‡‡ —
Revenue
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 88.25% 63.47% 60.18% 68.54% — — —
Gross Margin
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 77.05 53.84 65.46 78.66 — — —
EBT
‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 36.09% 20.93% 22.26% 21.08% ‡‡‡ ‡‡‡ —
EBT Margin
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 61.44 43.38 53.00 65.16 ‡‡‡‡‡ ‡‡‡‡‡ —
Net Income
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 7.95 6.28 5.65 12.88 — — —
Depreciation
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 14.58 17.67 20.17 22.08 ‡‡‡‡‡ ‡‡‡‡‡ —
Revenue/Sh
‡‡‡‡ ‡‡‡‡ ‡‡‡ ‡‡‡ ‡‡‡‡ ‡‡‡‡ 4.18 2.98 3.63 3.86 ‡‡‡‡‡ ‡‡‡‡‡ —
Earnings/Sh
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 7.18 4.64 4.18 3.78 — — —
Cash Flow/Sh
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ (0.12) (0.18) (0.38) (0.15) ‡‡‡ ‡‡‡ —
Capex/Sh
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 7.07 4.46 3.80 3.63 — — —
Free CF/Sh
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 30.82 33.99 36.44 41.22 — — —
Book Value/Sh
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 14.64 14.56 14.58 16.90 ‡‡‡‡‡ ‡‡‡‡‡ —
Shares
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 10.01 12.73 11.74 11.27 ‡‡‡‡ ‡‡‡‡ —
PE Ratio
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 2.87 2.14 2.12 1.96 ‡‡‡ ‡‡‡ —
PS Ratio
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 1.36 1.11 1.17 1.05 ‡‡‡ ‡‡‡ —
PB Ratio
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 3.96 3.74 3.13 3.12 ‡‡‡‡ ‡‡‡‡ —
EV/Sales
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 8.16 14.83 16.61 18.97 — — —
EV/FCF
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 105.18 67.51 60.93 63.91 ‡‡‡ ‡‡‡ —
Op' Cash Flow
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ (1.72) (2.62) (5.58) (2.52) — — —
Capex
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 103.47 64.89 55.36 61.39 — — —
FCF
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ (1,118.20) (999.18) (918.79) (1,177.37) — — —
Working Cap'
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 311.33 44.33 44.33 62.52 — — —
Total Debt
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 231.91 (60.12) (175.87) (40.72) — — —
Net Debt
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 451.28 495.06 531.23 696.56 — — —
Sh' Equity
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 1.10% 0.76% 0.92% 1.02% — — —
ROA
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 7.05% 7.74% 11.72% 8.38% — — —
ROIC
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 12.35% 9.16% 10.33% 10.61% — — —
ROE
predictions in italic, sparklines do not include predictions

Analyst Commentary (Summary)

Camden National Corporation (CAC), a steady regional bank serving Maine, has delivered resilient growth amid economic challenges, with revenue surging 74% from $169 million in 2016 to $294 million in 2024, driven by net interest income and efficiency gains—revenue per employee doubled to $502,000 despite a slight headcount dip. Net income rose 22% to $53 million last year, bolstered by a pristine balance sheet: debt plunged 93% to $44 million, free cash flow supports dividends and buybacks, and book value per share climbed 43% to $36.4. ROE consistently outperforms peers at 10-12.6%, underscoring conservative capital deployment in a sector prone to volatility.

Stock performance tracks fundamentals closely, with a 10% CAGR in yearly highs and attractive valuations—P/E at 11.7x, P/B at 1.2x—trading at a discount to historical norms and peers. EPS grew 40% cumulatively to $3.63, with ROIC rebounding to 11.7%, though margins face pressures from funding costs and regional economic softness in tourism and manufacturing.

Analysts forecast robust recovery: EPS potentially up 49% to $5.95 by 2027 amid NIM expansion, implying 6-8% upside and 65% odds of 15%+ returns, backed by quant models. Yet risks loom—recessionary credit losses, deposit outflows, or prolonged high rates—with CAC’s low leverage and deposit beta offering buffers. A high-conviction hold for risk-averse investors, but monitor Q1 2026 earnings for confirmation.

Read full commentary →

Camden National Corporation (CAC) Latest News

News by impact score

Fine-tune

5 Aug

3 , 1:10 PM
Camden National Corporation (CAC) released Q2 2026 results. Analysis questions whether the stock already trades above fair value. Q2 earnings and valuation questions can shift near-term investor sentiment and stock performance.

4 Aug

3 , 3:10 PM
Camden National (CAC) posted strong Q2 earnings and executed buybacks that may strengthen its profitability outlook and investor narrative. Strong Q2 earnings and buybacks support improved profitability metrics and near-term stock performance for Camden National.

3 Aug

3 , 3:11 PM
Camden National Bank appoints Josh Nash Chief Technology Officer to advance digital innovation strategy. CTO hire targets digital innovation with moderate effects on operations and positioning.

28 Jul

4 , 11:00 PM
Camden National Corp posted record net income for Q2 2026 and outlined strategic initiatives during its earnings call. Record net income combined with strategic updates is positioned to drive meaningful gains in Camden National Corporation's financial trajectory and investor sentiment.

3 transcript app.moby.co, 4:48 PM
Camden National Corporation held its Q2 2026 earnings call covering quarterly financial results, performance metrics, and management outlook for the bank. Quarterly earnings call provides updated financial data and guidance that can shift short-term investor sentiment and valuation without altering long-term strategy.

3 transcript www.marketbeat.com, 4:03 PM
Camden National Corporation discussed Q2 financial results on its earnings call, covering net interest income, loan growth, deposit trends, credit quality metrics and capital position updates. Quarterly earnings details and guidance can move near-term stock sentiment and valuation but rarely shift long-term bank strategy.

3 , 8:42 AM
Camden National Corporation exceeded Q2 CY2026 sales expectations. Quarterly sales beat may support near-term stock price and investor sentiment.

3 , 8:15 AM
Camden National Corporation reported record quarterly net income of $23.0 million and diluted EPS of $1.35 for the second quarter of 2026. Record earnings strengthen near-term stock performance and investor sentiment without altering long-term company trajectory.

27 Jul

3 , 6:45 AM
CAC earnings release approaches with key metrics and trends to monitor for Camden National Bank performance. Earnings previews shape near-term investor views on CAC results without altering long-term strategy.

23 Jun

4 StockStory, 11:04 AM
Camden National Bank posted Q1 earnings within a review of regional bank stocks, covering key financial metrics and sector comparisons that shape near-term stock views. Q1 earnings data directly revises earnings trajectory and investor positioning for CAC.

29 Apr

4 app.moby.co, 8:30 AM
Camden National Corporation released Q1 2026 earnings call summary detailing quarterly financial performance, management outlook, and key operational updates. Q1 earnings call summary reveals financial results and strategic insights that significantly impact Camden National Corporation's market performance and investor confidence.

4 GuruFocus.com, 3:08 AM
Camden National Corporation (CAC) reported strong Q1 2026 financial performance in earnings call highlights, emphasizing robust results and positive outlook. Strong quarterly earnings signal significant positive momentum for CAC's financial health and investor sentiment.

3 Simply Wall St., 6:51 AM
Camden National Corporation (NASDAQ:CAC) demonstrates EPS growth alongside other positive factors, positioning it as an intriguing investment case. EPS growth highlights improved financial performance for Camden National, likely influencing investor sentiment moderately.

28 Apr

4 www.marketbeat.com, 4:29 PM
Camden National Corporation (CAC) shared Q1 earnings call highlights, detailing financial results, loan growth, deposit trends, net interest margin improvements, and optimistic outlook amid economic pressures. Q1 earnings highlights reveal financial performance, growth metrics, and forward guidance that significantly shape investor expectations and stock trajectory.

4 transcript www.fool.com, 4:17 PM
Camden National Corporation (CAC) released the transcript of its Q1 2026 earnings call. Q1 2026 earnings transcript reveals financial results, guidance, and management insights that can significantly sway stock price and investor outlook.

4 PR Newswire, 8:15 AM
Camden National Corporation reported solid Q1 2026 results with net income of $21.9 million and diluted EPS of $1.29. Solid quarterly earnings directly impact financial performance and investor sentiment, potentially driving significant stock price movement.

3 Zacks, 10:00 AM
Camden National Corporation (CAC) Q1 earnings compared to analyst estimates, with key metrics such as EPS, revenue, net interest margin, and loan growth analyzed for performance insights. Q1 earnings comparison highlights financial performance influencing stock sentiment but balanced by ongoing operations.

3 , 9:20 AM
Camden National Corporation (CAC) reported first-quarter earnings that surpassed analyst estimates. Beating Q1 earnings estimates positively affects financial performance and investor sentiment without fundamentally altering long-term trajectory.

3 StockStory, 8:21 AM
Camden National Bank (NASDAQ:CAC) missed Q1 CY2026 sales expectations. Missing sales expectations reveals revenue weakness that could moderately impact financial performance and market sentiment.

27 Apr

3 StockStory, 2:04 AM
Camden National Corporation (CAC) nears Q1 earnings release, with analysts projecting revenue, EPS, net interest margin, and loan growth amid economic pressures and interest rate outlook. Earnings previews shape investor expectations and can moderately sway stock performance prior to actual results.

17 Feb

3 StockStory, 11:01 PM
Post-Q4 earnings, analysts debate buy, sell, or hold for Camden National Bank (CAC) stock amid performance review. Q4 earnings moderately affect CAC's financial results and short-term investor sentiment.

12 Feb

3 StockStory, 11:38 PM
Camden National Corporation (CAC) is included in a list of small-cap stocks that analysts express skepticism about due to concerns over its growth potential and market performance. The article highlights various factors contributing to this skepticism, including competitive pressures and economic conditions that may hinder the company's ability to deliver strong returns. Investors are advised to approach CAC with caution as uncertainties loom over its future prospects. Concerns about growth potential and competitive pressures may moderately influence Camden National's financial performance.

9 Feb

3 StockStory, 11:31 PM
Camden National Corporation (CAC) is highlighted among three Russell 2000 stocks that investors should reconsider. The article outlines concerns regarding CAC's financial performance and market positioning, suggesting that potential investors should approach with caution due to various challenges facing the company. Concerns about financial performance and market positioning may moderately influence investor sentiment and operational aspects.

5 Feb

3 Simply Wall St., 12:39 PM
Camden National Corporation (CAC) is highlighted among three stocks trading at significant discounts, with estimates suggesting a potential undervaluation of up to 49.2%. This analysis indicates that CAC, along with other selected stocks, may present attractive investment opportunities based on their current market prices relative to intrinsic value. The identification of CAC as undervalued suggests a moderately noticeable influence on its market performance and investor sentiment.

4 Feb

3 StockStory, 10:31 PM
Camden National Corporation (CAC) reported its Q4 financial results, highlighting a solid performance amid a challenging economic environment. The bank's net income increased, driven by strong loan growth and improved net interest margins. However, concerns about rising interest rates and potential credit quality issues were noted. The bank remains focused on strategic initiatives to enhance customer experience and operational efficiency, positioning itself for future growth despite market uncertainties. The financial performance and strategic initiatives indicate a moderately noticeable influence on future operations and market sentiment.

3 Feb

3 transcript StockStory, 12:32 AM
Camden National Corporation's Q4 earnings call highlighted key analyst questions regarding the bank's financial performance, strategic initiatives, and market outlook. Analysts sought insights into loan growth, interest rate impacts, and operational efficiencies. The management addressed concerns about competitive pressures and regulatory challenges while emphasizing their commitment to enhancing shareholder value. Overall, the call provided a comprehensive overview of the bank's current standing and future strategies. The earnings call revealed insights that may moderately influence financial performance and competitive positioning.

28 Jan

4 transcript www.fool.com, 8:26 AM
Camden National Corporation (CAC) reported its Q4 2025 earnings, highlighting a strong performance driven by increased loan demand and improved net interest margins. The company experienced growth in both commercial and consumer banking segments, contributing to a rise in overall revenue. Management expressed optimism about future growth prospects, citing strategic investments and a focus on enhancing customer experience. Additionally, the bank's efforts in digital transformation were noted as key to maintaining competitiveness in the evolving financial landscape. Overall, the earnings report reflects a positive trajectory for Camden National. Significant growth in loan demand and strategic investments are likely to alter the company's trajectory and investor sentiment.

4 StockStory, 12:31 AM
Camden National Corporation (CAC) reported strong deposit growth and advancements in digital banking during Q4, contributing to its overall positive financial results. The company emphasized its commitment to organic expansion, which has been a key driver of its performance. Strategic initiatives in enhancing customer experience and leveraging technology are expected to support continued growth in the competitive banking landscape. Significant deposit growth and advancements in digital banking are likely to enhance CAC's competitive position and financial performance.

3 Simply Wall St., 6:33 AM
Camden National Corporation (CAC) is highlighted as one of the small-cap stocks with potential for growth in the U.S. market. The article emphasizes its strong financial performance, solid dividend yield, and strategic initiatives aimed at expanding its market presence. Investors are encouraged to consider CAC as a promising investment opportunity amidst a landscape of larger, more established companies. Camden National Corporation's growth potential and strategic initiatives may moderately influence its financial performance and market positioning.

27 Jan

4 GuruFocus.com, 10:00 PM
Camden National Corporation (CAC) reported record earnings for Q4 2025, highlighting strong financial performance and strategic initiatives aimed at growth. The company emphasized its commitment to enhancing shareholder value and expanding its market presence through innovative services and operational efficiencies. Management discussed plans for future investments and maintaining a competitive edge in the banking sector. Record earnings and strategic initiatives indicate significant potential for future growth and improved market positioning.
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