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. In the quarter to June 2026, revenue grew 1.16%, EPS grew 63.9%, free cash flow grew 557.8% and total debt rose 2.12%, each against the same quarter a year earlier. Dividend growth for ten consecutive years, revenue growth for three.

56.17 0.30 +0.54%
Market cap
$944.0M
P/E
10.7×
Fwd P/E
9.4×
Dividend yield
2.99%
F-score
5/9
Altman Z
n/a
Beneish M
n/a
Dividend safety
n/a
Dec '16 Dec '17 Dec '18 Dec '19 Dec '20 Dec '21 Dec '22 Dec '23 Dec '24 Dec '25
P/E ratio
17.18 23.16 10.58 12.45 9.04 10.42 10.01 12.73 11.74 11.27
Piotroski F-Score
7 5 7 6 5 7 7 7 7 5
P/S ratio
4.01 3.76 2.95 3.37 2.58 3.62 2.87 2.14 2.12 1.96
P/FCF ratio
12.15 11.82 9.33 24.81 35.03 5.10 5.92 8.48 11.26 11.94
P/Operating CF
27.79 41.24 51.92 23.64 22.19 23.11 29.93 (48.73) 14.43 35.33
P/B ratio
1.73 1.63 1.29 1.50 1.01 1.33 1.36 1.11 1.17 1.05
Price to Tangible BV
2.34 2.16 1.66 1.89 1.24 1.62 1.73 1.38 1.43 1.46
EV/Sales
3.90 3.57 2.97 3.32 2.27 2.71 2.71 1.91 1.52 1.86
EV/EBITDA
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
EV/Operating CF
11.50 10.70 8.76 21.27 25.81 3.76 5.49 7.26 7.34 10.83
EV/FCF
11.82 11.22 9.39 24.45 30.75 3.81 5.58 7.56 8.08 11.28
Quick Ratio
0.03 0.03 0.21 0.23 0.54 0.05 0.02 0.02 0.04 0.02
Current Ratio
0.79 0.80 9.41 9.05 12.05 0.74 0.78 0.81 0.82 0.81
Net Debt/EBITDA
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Debt/Assets
1.80% 1.71% 1.64% 1.56% 1.72% 0.81% 0.78% 0.78% 0.76% 0.90%
Debt/Equity
0.18 0.17 0.16 0.15 0.16 0.08 0.10 0.09 0.08 0.09
Asset Turnover
0.04 0.04 0.05 0.05 0.04 0.04 0.04 0.05 0.05 0.06
Operating CF/Net income
1.43 2.06 1.22 0.58 0.31 2.07 1.72 1.56 1.15 0.98
Capex/Depreciation
(0.17) (0.31) (0.56) (0.56) (0.31) (0.17) (0.22) (0.42) (0.99) (0.20)
ROE
10.62% 7.13% 12.61% 12.56% 11.84% 12.86% 12.35% 9.16% 10.33% 10.61%
ROA
1.06% 0.72% 1.27% 1.31% 1.27% 1.32% 1.10% 0.76% 0.92% 1.02%
ROIC
9.78% 10.53% 9.35% 9.66% 10.03% 15.02% 11.57% 7.74% 11.72% 8.38%
Return on Tangible Assets
(5.84%) (4.16%) 1.90% 2.00% 1.89% (5.52%) (5.66%) (4.49%) (6.01%) (5.79%)
Average Days of Receivables
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Research and Development Expense of Revenue
0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Selling, General and Administrative Expense of Revenue
54.59% 51.36% 48.57% 46.27% 53.79% 50.39% 51.86% 42.32% 37.34% 43.40%
Intangible Assets out of Total Assets
0.03 0.02 0.02 0.02 0.02 0.02 0.02 0.02 0.02 0.03
Share Based Compensation of Revenue
1.18% 0.84% 0.89% 0.89% 0.86% 1.20% 1.20% 1.09% 0.99% 0.92%
Graham Net Nets
(1.18) (1.21) (1.41) (1.12) (1.86) (1.85) (1.90) (1.90) (1.55) (1.69)
Graham Number
38.24 32.73 46.27 50.58 56.10 61.44 53.84 47.66 54.63 59.75
Earnings Yield
5.82% 4.32% 9.45% 8.03% 11.07% 9.59% 9.99% 7.86% 8.52% 8.88%
Free Cash Flow Yield
8.23% 8.46% 10.72% 4.03% 2.85% 19.63% 16.89% 11.79% 8.88% 8.37%
Revenue per Share
10.97 11.26 12.17 13.67 13.86 13.30 14.58 17.67 20.17 22.08
Operating CF per Share
3.72 3.76 4.13 2.13 1.22 9.58 7.18 4.64 4.18 3.78
Capex per Share
(0.10) (0.17) (0.27) (0.28) (0.20) (0.12) (0.12) (0.18) (0.38) (0.15)
Free Cash Flow per Share
3.62 3.59 3.86 1.86 1.02 9.45 7.07 4.46 3.80 3.63
Cash per Share
5.69 6.64 4.30 5.16 10.01 15.10 5.42 7.17 15.10 6.11
Shareholders Equity per Share
25.39 26.01 27.99 30.73 35.32 36.32 30.82 33.99 36.44 41.22
Interest Debt per Share
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Book value per Share
25.39 26.01 27.99 30.73 35.32 36.32 30.82 33.99 36.44 41.22
Free Cash Flow
55.84 55.63 60.06 28.60 15.30 140.86 103.47 64.89 55.36 61.39
Working Capital
(729.15) (722.94) 2,746.42 2,811.86 3,093.59 (1,285.64) (1,118.20) (999.18) (918.79) (1,177.37)
Capital Expenditures
(1.58) (2.71) (4.27) (4.27) (2.93) (1.85) (1.72) (2.62) (5.58) (2.52)
Net Current Asset Value
(798.69) (792.64) (788.70) (794.96) (995.98) (1,329.98) (1,162.53) (1,043.51) (963.12) (1,239.88)
EV/EBIT
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Capex to Sales
0.01 0.02 0.02 0.02 0.01 0.01 0.01 0.01 0.02 0.01
Price to Operating Income
11.62 10.54 8.52 9.91 7.21 8.28 7.95 10.74 9.59 8.54
Other line items
Depreciation/Fixed assets
0.22 0.21 0.18 0.18 0.23 0.29 0.22 0.18 0.15 0.25
Cash ROIC
10.17% 9.66% 10.47% 4.60% 2.00% 17.38% 17.99% 10.08% 6.96% 7.12%
Accounts Receivable Turnover
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Accounts Payable Turnover
0.01 0.01 0.01 0.01 0.01 0.00 0.01 0.02 0.03 0.02
Inventory Turnover
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Average Days of Payables
62,366.38 52,642.72 40,812.45 31,580.81 69,971.48 152,266.88 70,209.18 17,854.68 14,441.06 17,217.41
Days of Inventory on Hand
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Average Payables
2,777.45 2,914.51 3,232.48 3,501.11 3,771.49 4,307.07 4,717.91 4,712.14 4,615.26 5,085.47
Average Assets
3,786.79 3,964.81 4,181.42 4,363.48 4,664.13 5,199.55 5,586.10 5,693.18 5,759.82 6,389.86
Average Common Equity
377.37 397.48 419.62 454.62 501.36 535.30 496.29 473.17 513.15 613.89

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Columns are period end dates