8-K Announcements
6Apr 28, 2026·SEC
Mar 31, 2026·SEC
Jan 27, 2026·SEC
Camden National Corporation (CAC) fundamental analysis — strengths, weaknesses & financial health based on data analysis
* These insights are generated automatically based on available financial data. Please conduct your own research before making investment decisions.
Camden National Corporation (CAC) stock price & volume — 10-year historical chart
Camden National Corporation (CAC) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR
Camden National Corporation (CAC) EPS & revenue vs analyst estimates — last 4 quarters
| Quarter | Date | EPS (Act vs Est) | Revenue (Act vs Est) |
|---|---|---|---|
| Q2 2026Latest | Apr 28, 2026 | $1.29vs $1.26+2.4% | $64Mvs $66M-1.9% |
| Q2 2026 | Mar 6, 2026 | $1.33 | $96M |
| Q1 2026 | Jan 27, 2026 | $1.33vs $1.32+0.8% | $68Mvs $66M+2.9% |
| Q4 2025 | Oct 28, 2025 | $1.24vs $1.23+0.8% | $63Mvs $65M-3.3% |
Camden National Corporation (CAC) competitors in Banks with large fee businesses — business model, growth, and fundamentals comparison
Camden National Corporation (CAC) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.
Camden National Corporation (CAC) annual income statement — 10-year revenue, gross profit & net income history
| Line item | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 |
|---|---|---|---|---|---|---|---|---|---|
| Net Interest Income | 115.3M | 120.39M | 127.63M | 136.31M | 137.44M | 147.69M | 132.26M | 132.45M | 203.26M |
| NII Growth % | 1.97% | 4.42% | 6.01% | 6.8% | 0.83% | 7.46% | -10.45% | 0.14% | 53.46% |
| Net Interest Margin % | 2.84% | 2.8% | 2.88% | 2.78% | 2.5% | 2.6% | 2.31% | 2.28% | 2.91% |
| Interest Income | 136.1M | 151.38M | 168.52M | 157.2M | 148.48M | 172.79M | 226.25M | 249.56M | 320.65M |
| Interest Expense | 20.8M | 30.98M | 40.89M | 20.89M | 11.05M | 25.09M | 93.98M | 117.1M | 117.4M |
| Loan Loss Provision | 3.04M | 847K | 2.86M | 12.42M | -3.19M | 4.5M | 262K | 506K | 19.32M |
| Non-Interest Income | 35.84M | 35M | 38.5M | 46.74M | 45.42M | 36.1M | 24.07M | 40.16M | 46.69M |
| Non-Interest Income % | 20.85% | 18.78% | 18.6% | 22.92% | 23.42% | 17.28% | 9.62% | 13.86% | 12.71% |
| Total Revenue | 171.95M▲ 0% | 186.37M▲ 8.4% | 207.02M▲ 11.1% | 203.94M▼ 1.5% | 193.91M▼ 4.9% | 208.89M▲ 7.7% | 250.32M▲ 19.8% | 289.72M▲ 15.7% | 367.34M▲ 26.8% |
| Revenue Growth % | 3.92% | 8.39% | 11.08% | -1.49% | -4.92% | 7.73% | 19.83% | 15.74% | 26.79% |
| Non-Interest Expense | 85.75M | 88.77M | 91.69M | 96.23M | 99.41M | 102.25M | 102.23M | 106.65M | 149M |
| Efficiency Ratio | 49.87% | 47.63% | 44.29% | 47.19% | 51.27% | 48.95% | 40.84% | 36.81% | 40.56% |
| Operating Income | 62.35M▲ 0% | 65.78M▲ 5.5% | 71.58M▲ 8.8% | 74.4M▲ 3.9% | 86.64M▲ 16.5% | 77.05M▼ 11.1% | 53.84M▼ 30.1% | 65.46M▲ 21.6% | 81.62M▲ 24.7% |
| Operating Margin % | 36.26% | 35.29% | 34.58% | 36.48% | 44.68% | 36.88% | 21.51% | 22.59% | 22.22% |
| Operating Income Growth % | 8.37% | 5.49% | 8.82% | 3.94% | 16.46% | -11.07% | -30.13% | 21.59% | 24.69% |
| Pretax Income | 62.35M▲ 0% | 65.78M▲ 5.5% | 71.58M▲ 8.8% | 74.4M▲ 3.9% | 86.64M▲ 16.5% | 77.05M▼ 11.1% | 53.84M▼ 30.1% | 65.46M▲ 21.6% | 78.66M▲ 20.2% |
| Pretax Margin % | 36.26% | 35.29% | 34.58% | 36.48% | 44.68% | 36.88% | 21.51% | 22.59% | 21.41% |
| Income Tax | 33.88M | 12.71M | 14.38M | 14.91M | 17.63M | 15.61M | 10.45M | 12.46M | 13.49M |
| Effective Tax Rate % | 54.33% | 19.32% | 20.08% | 20.04% | 20.34% | 20.26% | 19.42% | 19.03% | 17.16% |
| Net Income | 28.48M▲ 0% | 53.07M▲ 86.4% | 57.2M▲ 7.8% | 59.49M▲ 4.0% | 69.01M▲ 16.0% | 61.44M▼ 11.0% | 43.38M▼ 29.4% | 53M▲ 22.2% | 65.16M▲ 22.9% |
| Net Margin % | 16.56% | 28.48% | 27.63% | 29.17% | 35.59% | 29.41% | 17.33% | 18.29% | 17.74% |
| Net Income Growth % | -28.93% | 86.37% | 7.79% | 3.99% | 16.02% | -10.98% | -29.39% | 22.18% | 22.93% |
| Net Income (Continuing) | 28.48M | 53.07M | 57.2M | 59.49M | 69.01M | 61.44M | 43.38M | 53M | 65.16M |
| EPS (Diluted) | 1.82▲ 0% | 3.40▲ 86.8% | 3.69▲ 8.5% | 3.95▲ 7.0% | 4.60▲ 16.5% | 4.17▼ 9.3% | 2.97▼ 28.8% | 3.62▲ 21.9% | 3.84▲ 6.1% |
| EPS Growth % | -29.18% | 86.81% | 8.53% | 7.05% | 16.46% | -9.35% | -28.78% | 21.89% | 6.08% |
| EPS (Basic) | 1.83 | 3.41 | 3.70 | 3.96 | 4.62 | 4.18 | 2.98 | 3.63 | 3.85 |
| Diluted Shares Outstanding | 15.59M | 15.63M | 15.45M | 15.02M | 14.97M | 14.7M | 14.61M | 14.63M | 16.96M |
Camden National Corporation (CAC) balance sheet — assets, liabilities & shareholders' equity
| Line item | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 |
|---|---|---|---|---|---|---|---|---|---|
| Cash & Short Term Investments | 892.87M | 977.69M | 993.75M | 1.26B | 1.73B | 771.3M | 725.61M | 792.76M | 1.03B |
| Cash & Due from Banks | 102.97M | 67M | 75.64M | 145.77M | 220.63M | 75.43M | 99.8M | 214.96M | 97.49M |
| Short Term Investments | 789.9M | 910.69M | 918.12M | 1.12B | 1.51B | 695.88M | 625.81M | 577.79M | 930.4M |
| Total Investments | 3.65B | 3.92B | 4B | 4.34B | 4.91B | 5.22B | 5.24B | 5.2B | 6.36B |
| Investments Growth % | 5.48% | 7.35% | 2.15% | 8.44% | 13.18% | 6.27% | 0.4% | -0.77% | 22.19% |
| Long-Term Investments | 2.86B | 3.01B | 3.08B | 3.22B | 3.41B | 4.53B | 4.62B | 4.63B | 5.44B |
| Accounts Receivables | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Goodwill & Intangibles | 99.65M | 98.93M | 98.22M | 97.54M | 96.89M | 96.26M | 95.67M | 95.11M | 194.09M |
| Goodwill | 94.7M | 94.7M | 94.7M | 94.7M | 94.7M | 94.7M | 94.7M | 94.7M | 151.5M |
| Intangible Assets | 4.96M | 4.23M | 3.52M | 2.84M | 2.19M | 1.56M | 971K | 415K | 42.58M |
| PP&E (Net) | 41.89M | 42.49M | 41.84M | 39.88M | 37.77M | 36.02M | 35.05M | 37.05M | 0 |
| Other Assets | 147.76M | 147.3M | 194.2M | 262.97M | 213.05M | 192.84M | 199.54M | 215.87M | -5.44B |
| Total Current Assets | 892.87M | 977.69M | 993.75M | 1.26B | 1.73B | 771.3M | 725.61M | 787.51M | 1.03B |
| Total Non-Current Assets | 3.17B | 3.32B | 3.44B | 3.64B | 3.77B | 4.9B | 4.99B | 5.02B | 194.09M |
| Total Assets | 4.07B▲ 0% | 4.3B▲ 5.7% | 4.43B▲ 3.1% | 4.9B▲ 10.6% | 5.5B▲ 12.3% | 5.67B▲ 3.1% | 5.71B▲ 0.8% | 5.81B▲ 1.6% | 6.97B▲ 20.1% |
| Asset Growth % | 5.21% | 5.71% | 3.07% | 10.59% | 12.28% | 3.12% | 0.75% | 1.59% | 20.14% |
| Return on Assets (ROA) | 0.72% | 1.27% | 1.31% | 1.28% | 1.33% | 1.1% | 0.76% | 0.92% | 1.02% |
| Accounts Payable | 50M | 55.62M | 80.47M | 117.42M | 94.23M | 84.14M | 92.14M | 0 | 0 |
| Total Debt | 611.5M | 341.51M | 337.89M | 246.77M | 255.94M | 309.51M | 529.94M | 544.95M | 644.29M |
| Net Debt | 508.53M | 274.52M | 262.25M | 101M | 35.31M | 234.08M | 430.13M | 329.99M | 546.8M |
| Long-Term Debt | 68.84M | 69.07M | 69.08M | 84.33M | 44.33M | 44.33M | 44.33M | 44.33M | 62.52M |
| Short-Term Debt | 541.99M | 271.05M | 268.81M | 162.44M | 211.61M | 265.18M | 485.61M | 500.62M | 581.78M |
| Other Liabilities | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 95.79M | 1.05B |
| Total Current Liabilities | 3.59B | 3.79B | 3.89B | 4.29B | 4.91B | 5.18B | 5.18B | 5.13B | 581.78M |
| Total Non-Current Liabilities | 69.63M | 70.65M | 69.08M | 84.33M | 44.33M | 44.33M | 44.33M | 140.12M | 1.11B |
| Total Liabilities | 3.66B | 3.86B | 3.96B | 4.37B | 4.96B | 5.22B | 5.22B | 5.27B | 6.28B |
| Total Equity | 403.41M▲ 0% | 435.82M▲ 8.0% | 473.42M▲ 8.6% | 529.31M▲ 11.8% | 541.29M▲ 2.3% | 451.28M▼ 16.6% | 495.06M▲ 9.7% | 531.23M▲ 7.3% | 696.56M▲ 31.1% |
| Equity Growth % | 3.03% | 8.03% | 8.63% | 11.81% | 2.26% | -16.63% | 9.7% | 7.31% | 31.12% |
| Equity / Assets (Capital Ratio) | 9.92% | 10.14% | 10.69% | 10.81% | 9.84% | 7.96% | 8.66% | 9.15% | 9.99% |
| Return on Equity (ROE) | 7.16% | 12.65% | 12.58% | 11.86% | 12.89% | 12.38% | 9.17% | 10.33% | 10.61% |
| Book Value per Share | 25.88 | 27.89 | 30.64 | 35.23 | 36.15 | 30.70 | 33.89 | 36.30 | 41.07 |
| Tangible BV per Share | 19.49 | 21.56 | 24.28 | 28.74 | 29.68 | 24.15 | 27.34 | 29.80 | 29.62 |
| Common Stock | 156.9M | 158.22M | 139.1M | 131.07M | 123.11M | 115.07M | 115.6M | 116.42M | 215.8M |
| Additional Paid-in Capital | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Retained Earnings | 266.72M | 302.03M | 340.58M | 377.5M | 424.41M | 462.16M | 481.01M | 509.45M | 545.15M |
| Accumulated OCI | -20.21M | -24.42M | -6.27M | 20.74M | -6.23M | -125.95M | -101.55M | -94.65M | -64.39M |
| Treasury Stock | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Preferred Stock | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Camden National Corporation (CAC) cash flow — operating, investing & free cash flow history
| Line item | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 |
|---|---|---|---|---|---|---|---|---|---|
| Cash from Operations | 58.33M | 64.33M | 32.87M | 18.23M | 142.72M | 105.18M | 67.51M | 60.93M | 65.22M |
| Operating CF Growth % | 1.6% | 10.29% | -48.91% | -44.54% | 682.86% | -26.3% | -35.82% | -9.74% | 7.04% |
| Net Income | 28.48M | 53.07M | 57.2M | 59.49M | 69.01M | 61.44M | 43.38M | 53M | 65.16M |
| Depreciation & Amortization | 5.57M | 4.49M | 4.6M | 4.51M | 4.36M | 4.12M | 3.96M | 3.87M | 0 |
| Deferred Taxes | 0 | 0 | 0 | -1.76M | -637K | 1.78M | 1.31M | 298K | 0 |
| Other Non-Cash Items | 10.38M | 5.49M | -3.23M | -12.67M | 64.31M | 39.98M | 9.68M | 514K | 15.84M |
| Working Capital Changes | 12.44M | -404K | -27.59M | -33.12M | 3.29M | -4.68M | 6.38M | 349K | -15.78M |
| Cash from Investing | -212.13M | -276.78M | -55.84M | -294.45M | -649.09M | -487.72M | -7.03M | 30.33M | -57.73M |
| Purchase of Investments | -170.5M | -232.21M | -339.29M | -433.42M | -758.85M | -138.17M | -137.13M | -60.39M | 0 |
| Sale/Maturity of Investments | 154.97M | 191.76M | 355.61M | 265.84M | 321.63M | 233.67M | 225.13M | 123.06M | 0 |
| Net Investment Activity | -15.52M | -40.44M | 16.32M | -167.58M | -437.22M | 95.5M | 88M | 62.67M | 0 |
| Acquisitions | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Other Investing | -193.76M | -231.31M | -67.89M | -123.94M | -210.02M | -581.04M | -92.41M | -26.76M | -57.73M |
| Cash from Financing | 169.06M | 176.47M | 31.6M | 346.36M | 581.23M | 237.34M | -36.1M | 23.9M | -124.97M |
| Dividends Paid | -14.32M | -17.17M | -18.57M | -19.84M | -21.08M | -23.51M | -24.54M | -24.56M | -28.47M |
| Share Repurchases | 0 | -27K | -20.8M | -9.69M | -10.09M | -10.24M | -2M | -1.61M | 0 |
| Stock Issued | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | -537K |
| Net Stock Activity | 0 | -27K | -20.8M | -9.69M | -10.09M | -10.24M | -2M | -1.61M | -537K |
| Debt Issuance (Net) | 1000K | -1000K | -1000K | -1000K | 1000K | 1000K | 1000K | 1000K | -1000K |
| Other Financing | 166.69M | 463.78M | 73.13M | 467.4M | 603.38M | 217.69M | -229.83M | 35.34M | -67.28M |
| Net Change in Cash | 15.26M▲ 0% | -35.97M▼ 335.7% | 8.64M▲ 124.0% | 70.14M▲ 712.1% | 74.85M▲ 6.7% | -145.2M▼ 294.0% | 24.38M▲ 116.8% | 115.16M▲ 372.4% | -94K▼ 100.1% |
| Exchange Rate Effect | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Cash at Beginning | 87.71M | 102.97M | 67M | 75.64M | 145.77M | 220.63M | 75.43M | 99.8M | 38.56M |
| Cash at End | 102.97M | 67M | 75.64M | 145.77M | 220.63M | 75.43M | 99.8M | 214.96M | 38.47M |
| Interest Paid | 20.77M | 30.18M | 41.37M | 21.5M | 11.19M | 24.55M | 92.35M | 116.72M | 117.08M |
| Income Taxes Paid | 16.84M | 10.67M | 13.54M | 15.66M | 18.5M | 13.24M | 11.15M | 8.82M | 6.15M |
| Free Cash Flow | 55.49M▲ 0% | 59.31M▲ 6.9% | 28.6M▼ 51.8% | 15.3M▼ 46.5% | 140.86M▲ 820.4% | 103M▼ 26.9% | 64.89M▼ 37.0% | 55.36M▼ 14.7% | 59.52M▲ 7.5% |
| FCF Growth % | -0.46% | 6.89% | -51.77% | -46.5% | 820.44% | -26.88% | -37% | -14.69% | 7.51% |
Camden National Corporation (CAC) financial ratios — P/E, ROE, debt and 30+ core market and balance-sheet ratios
| Metric | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Return on Equity (ROE) | 10.62% | 7.16% | 12.65% | 12.58% | 11.86% | 12.89% | 12.38% | 9.17% | 10.33% | 10.61% |
| Return on Assets (ROA) | 1.06% | 0.72% | 1.27% | 1.31% | 1.28% | 1.33% | 1.1% | 0.76% | 0.92% | 1.02% |
| Net Interest Margin | 2.93% | 2.84% | 2.8% | 2.88% | 2.78% | 2.5% | 2.6% | 2.31% | 2.28% | 2.91% |
| Efficiency Ratio | 52.04% | 49.87% | 47.63% | 44.29% | 47.19% | 51.27% | 48.95% | 40.84% | 36.81% | 40.56% |
| Equity / Assets | 10.13% | 9.92% | 10.14% | 10.69% | 10.81% | 9.84% | 7.96% | 8.66% | 9.15% | 9.99% |
| Book Value / Share | 25.25 | 25.88 | 27.89 | 30.64 | 35.23 | 36.15 | 30.7 | 33.89 | 36.3 | 41.07 |
| NII Growth | 30.79% | 1.97% | 4.42% | 6.01% | 6.8% | 0.83% | 7.46% | -10.45% | 0.14% | 53.46% |
| Dividend Payout | 30.93% | 50.3% | 32.35% | 32.47% | 33.36% | 30.55% | 38.27% | 56.56% | 46.33% | 43.7% |
Camden National Corporation (CAC) SEC filings — annual & quarterly reports (10-K, 10-Q)
Apr 28, 2026·SEC
Mar 31, 2026·SEC
Jan 27, 2026·SEC
Camden National Corporation (CAC) stock FAQ — growth, dividends, profitability & financials explained
Camden National Corporation (CAC) grew revenue by 26.8% over the past year. This is strong growth.
Yes, Camden National Corporation (CAC) is profitable, generating $65.2M in net income for fiscal year 2025 (17.7% net margin).
Yes, Camden National Corporation (CAC) pays a dividend with a yield of 3.42%. This makes it attractive for income-focused investors.
Camden National Corporation (CAC) has a return on equity (ROE) of 10.6%. This is reasonable for most industries.
Camden National Corporation (CAC) has a net interest margin (NIM) of 2.9%. NIM has been under pressure due to interest rate environment.
Camden National Corporation (CAC) has an efficiency ratio of 40.6%. This is excellent, indicating strong cost control.
Camden National Corporation (CAC) financial analysis — history, returns, DCA and operating performance tools
Historical returns with dividends reinvested
Dollar cost averaging vs lump sum
Yield, growth, payout safety & DRIP
EPS trends, net income & profitability
Long-term charts & historical price data
Sales growth patterns & revenue breakdown
30 years of market, efficiency and balance-sheet ratios
DCF intrinsic value, peer multiples & estimates