Saturday 17 October 2026 Export CAC’s income statement to Excel — free account

Camden National Corporation

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%

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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

Overview Business Profile Financial Analysis Income Statement Balance Sheet Cash Flow Metrics & Ratios 10-Q 10-K

Insider Decisions trades per month

	Dec 25			Mar 26			Jun 26			Sep 26
Buy	—	—	—	—	—	—	—	—	—	—	—	—
Sell	—	—	—	—	—	—	—	—	—	—	—	—

Insider Ownership 2.64%

Capital & Financial Ratios $m

Market Cap 944.04

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 10.72

Fwd P/E 9.42

P/S ratio 2.53

P/B ratio 1.31

Past 5Y EPS Growth (0.56%)

This Y EPS Growth 22.55%

Next Y EPS Growth 6.69%

Next Y revenue growth (27.89%)

Next 5Y EPS Growth 11.92%

Green and red mark values outside typical ranges. How we judge →

Valuation vs history

P/E against its own 10 years 35.94%

10-year low 10-year high

P/S against its own 10 years 38.26%

10-year low 10-year high

P/B against its own 10 years 52.38%

10-year low 10-year high

Dividends

Payout Ratio 0.32

Annual Dividend Rate 1.68

Annual Dividend Yield 2.99%

	total	individual payouts
2028	Powerpack
2027	Powerpack
2026	1.68	0.42 0.42 0.42 0.42
2025	1.68	0.42 0.42 0.42 0.42
2024	1.68	0.42 0.42 0.42 0.42
2023	1.68	0.42 0.42 0.42 0.42
2022	1.60	0.40 0.40 0.40 0.40
2021	1.41	0.33 0.36 0.36 0.36
2020	1.32	0.33 0.33 0.33 0.33
2019	1.20	0.30 0.30 0.30 0.30
2018	1.10	0.25 0.25 0.30 0.30
2017	0.92	0.23 0.23 0.23 0.23
2016	0.80	0.20 0.20 0.20 0.20

predictions special payouts not included in total or ratios

Assets vs Liabilities $m

	2023	2024	2025	Q'26
Cash	104	220	103	105
Receivables	—	—	—	—
Inventory	—	—	—	—
Other	—	—	—	—
	4,176	4,311	5,038	5,078

	2023	2024	2025	Q'26
Payables	4,597	4,633	5,538	5,555
ST’ Debt	—	—	—	—
Other	—	—	—	—
	5,175	5,230	6,216	6,162

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%

Revenue $m

	Mar	Jun	Sep	Dec	Year
’26	90	93	—	—	—
’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	—	—	—
’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	—	—	—
’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.

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

Fiscal quarters ending in the months shown.

Group	Line	2016	2017	2018	2019	2020	2021	2022	2023	2024	2025	2026e
Price, $
Price, $	Low	24.82	37.10	33.49	35.15	25.74	35.57	40.35	26.52	28.62	34.53	Analyst estimates 2026–2028 Powerpack
	High	45.43	47.41	47.86	47.25	48.48	50.94	52.16	42.95	50.07	46.80
People
People	Employees	631	636	634	639	609	623	630	600	586	683
	Revenue/emp, $m	0.27	0.27	0.30	0.33	0.34	0.32	0.34	0.43	0.50	0.55
Income, $m
Income, $m	Revenue	169	175	190	211	208	198	213	257	294	373
	Gross margin, %	90.22	88.09	83.65	80.59	89.94	94.43	88.25	63.47	60.18	68.54
	EBT	58	62	66	72	74	87	77	54	65	79
	EBT margin, %	34.00	35.69	34.70	33.98	35.82	43.71	36.09	20.93	22.26	21.08
	Net income	40	28	53	57	59	69	61	43	53	65
	Depreciation	9	9	8	8	9	11	8	6	6	13
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
	Earnings	2.59	1.83	3.40	3.70	3.96	4.62	4.18	2.98	3.63	3.86
	Cash flow	3.72	3.76	4.13	2.13	1.22	9.58	7.18	4.64	4.18	3.78
	Capex	(0.10)	(0.17)	(0.27)	(0.28)	(0.20)	(0.12)	(0.12)	(0.18)	(0.38)	(0.15)
	Free cash flow	3.62	3.59	3.86	1.86	1.02	9.45	7.07	4.46	3.80	3.63
	Book value	25.39	26.01	27.99	30.73	35.32	36.32	30.82	33.99	36.44	41.22
	Shares, m	15	16	16	15	15	15	15	15	15	17
Valuation, ×
Valuation, ×	P/E	17.18	23.16	10.58	12.45	9.04	10.42	10.01	12.73	11.74	11.27
	P/S	4.01	3.76	2.95	3.37	2.58	3.62	2.87	2.14	2.12	1.96
	P/B	1.73	1.63	1.29	1.50	1.01	1.33	1.36	1.11	1.17	1.05
	EV/Sales	3.90	3.57	2.97	3.32	2.27	2.71	2.71	1.91	1.52	1.86
	EV/FCF	11.82	11.22	9.39	24.45	30.75	3.81	5.58	7.56	8.08	11.28
Cash, $m
Cash, $m	Operating cash flow	57	58	64	33	18	143	105	68	61	64
	Capex	(2)	(3)	(4)	(4)	(3)	(2)	(2)	(3)	(6)	(3)
	Free cash flow	56	56	60	29	15	141	103	65	55	61
Balance, $m
Balance, $m	Working capital	(729)	(723)	2,746	2,812	3,094	(1,286)	(1,118)	(999)	(919)	(1,177)
	Total debt	70	70	71	69	84	44	44	44	44	63
	Net debt	(18)	(33)	4	(10)	(66)	(181)	(35)	(60)	(176)	(41)
	Shareholders’ equity	392	403	436	473	529	541	451	495	531	697
Returns, %
Returns, %	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
	ROE	10.62	7.13	12.61	12.56	11.84	12.86	12.35	9.16	10.33	10.61

Negative figures in brackets.

All 10 years →

Fiscal years to Dec 2025 · latest quarter Jun 2026

Charts ten years each

Company	Market cap	P/E	Fwd P/E	Revenue growth (Q)	EPS growth (Q)	FCF growth (Q)	Gross margin (Q)	EBIT margin (Q)	Compare
EQBK Equity Bancshares, Inc.	$961.3M	27.9×	10.2×	+39.99% (above 0%: growing)	+47.13% (above 0%: growing)	+40.78% (above 0%: growing)	70.70%	0.00%	Compare
CAC Camden National Corporation	$944.0M	10.7×	9.4×	+1.16% (above 0%: growing)	+63.86% (above 0%: growing)	+557.83% (above 0%: growing)	72.13%	0.00%
CPF CPB Inc.	$929.5M	11.6×	10.8×	+2.39% (above 0%: growing)	+17.65% (above 0%: growing)	+23.90% (above 0%: growing)	83.01%	0.00%	Compare
TRST TrustCo Bank Corp NY	$919.8M	15.0×	9.1×	+6.20% (above 0%: growing)	+24.05% (above 0%: growing)	+2.59% (above 0%: growing)	69.96%	0.00%	Compare
HAFC Hanmi Financial Corporation	$917.4M	10.4×	9.6×	+2.07% (above 0%: growing)	+58.00% (above 0%: growing)	+48.02% (above 0%: growing)	64.66%	0.00%	Compare
NBBK NB Bancorp, Inc.	$913.3M	14.4×	10.2×	+39.49% (above 0%: growing)	+35.90% (above 0%: growing)	+19.91% (above 0%: growing)	63.66%	0.00%	Compare
MPB Mid Penn Bancorp	$911.3M	12.6×	11.6×	+24.51% (above 0%: growing)	+290.91% (above 0%: growing)	−3.90% (below 0%: shrinking)	70.72%	0.00%	Compare
FCBC First Community Bancshares, Inc.	$911.3M	15.3×	15.0×	+35.47% (above 0%: growing)	+77.61% (above 0%: growing)	+82.80% (above 0%: growing)	92.36%	0.00%	Compare
SBSI Southside Bancshares, Inc.	$909.2M	12.1×	9.8×	+6.52% (above 0%: growing)	+25.00% (above 0%: growing)	+1,301.48% (above 0%: growing)	60.49%	0.00%	Compare
Median of peers	$915.3M	13.5×	10.2×	+15.52%	+41.52%	+32.34%	70.33%	0.00%

All 323 Banks Regional stocks →

Camden National Corporation (CAC) key facts

Strength: Camden National Corporation’s revenue for fiscal 2025 (year ended December 2025) was $373.2 million, up 26.9% from fiscal 2024.
Strength: Net income was $65.2 million, or $3.86 per share (basic), a net margin of 17.5%.
Camden National Corporation (CAC) is a Banks Regional company in the Financial sector, listed on Nasdaq.
As of October 16, 2026, CAC traded at $56.17, a market capitalization of $944.0 million.
At that price the stock trades at 10.7× trailing-twelve-month earnings and 2.5× sales; its P/E is higher than 36% of its own readings over the past ten years.
Camden National Corporation pays an annual dividend of $1.68 per share, a yield of 2.99%, with a payout ratio of 32.2%.
Return on equity was 10.6% and debt-to-equity 0.09.
Its Piotroski F-score is 5 out of 9 for fiscal 2025.