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Apr 28, 2026·SEC
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Camden National Corporation(CAC)Earnings, Financials & Key Ratios
CAC•NASDAQ•Banking & Credit
13.4× P/E·Price updated Jun 17, 2026
AboutCamden National Corporation operates as the bank holding company for Camden National Bank that provides various commercial and consumer banking products and services for consumer, institutional, municipal, non-profit, and commercial customers. The company accepts checking, savings, time, and brokered deposits, as well as deposits with the certificate of deposit account registry system. It also offers non-owner-occupied commercial estate loans, owner-occupied commercial real estate loans, unsecured fully-guaranteed commercial loans backed by the U.S. small business administration, loans secured by one-to four-family properties, and consumer and home equity loans. In addition, the company provides brokerage and insurance services through its financial offerings consisting of college, retirement, estate planning, mutual funds, strategic asset management accounts, and variable and fixed annuities. Further, it offers a range of fiduciary and asset management, wealth management, investment management, financial planning, and trustee services. As of December 31, 2021, the company had 57 branches within Maine; one residential mortgage lending office in Braintree, Massachusetts; two locations in New Hampshire, including a branch in Portsmouth and a commercial loan production office in Manchester; and an online residential mortgage and small commercial digital loan platform, as well as 66 ATMs. Camden National Corporation was founded in 1875 and is headquartered in Camden, Maine.Show more
- Net Interest Income$203M+53.5%
- Total Revenue$367M+26.8%
- Net Income$65M+22.9%
- Return on Equity10.61%+2.8%
- Net Interest Margin2.91%+27.7%
- Efficiency Ratio40.56%+10.2%
- ROA1.02%+10.8%
- Equity / Assets9.99%+9.1%
- Book Value per Share41.07+13.1%
CAC Key Insights
Camden National Corporation (CAC) fundamental analysis — strengths, weaknesses & financial health based on data analysis
✓Strengths
- ✓Strong Piotroski F-Score: 8/9
- ✓Efficient operations: 40.6% efficiency ratio
- ✓Healthy dividend yield of 3.3%
- ✓Trading near 52-week high
- ✓Trading at only 1.2x book value
✗Weaknesses
- ✗Shares diluted 15.9% in last year
* These insights are generated automatically based on available financial data. Please conduct your own research before making investment decisions.
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CAC Price & Volume
Camden National Corporation (CAC) stock price & volume — 10-year historical chart
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CAC Growth Metrics
Camden National Corporation (CAC) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR
Revenue CAGR
10 Years11.41%
5 Years12.49%
3 Years20.7%
TTM-
Profit CAGR
10 Years12.01%
5 Years1.84%
3 Years1.98%
TTM22.93%
EPS CAGR
10 Years8.3%
5 Years-0.56%
3 Years-2.71%
TTM6.08%
Return on Capital
10 Years11.81%
5 Years10.45%
3 Years7.84%
Last Year2.31%
CAC Recent Earnings
Camden National Corporation (CAC) EPS & revenue vs analyst estimates — last 4 quarters
●Beat EPS 8/12 qtrs (73%)●Beat Revenue 2/12 qtrs (18%)
Q2 2026Latest
Apr 28, 2026Metric
Actual
Est
EPS
$1.29+2.4%
$1.26
Rev
$64M-1.9%
$66M
Q2 2026
Mar 6, 2026Metric
Actual
Est
EPS
$1.33
—
Rev
$96M
—
Q1 2026
Jan 27, 2026Metric
Actual
Est
EPS
$1.33+0.8%
$1.32
Rev
$68M+2.9%
$66M
Q4 2025
Oct 28, 2025Metric
Actual
Est
EPS
$1.24+0.8%
$1.23
Rev
$63M-3.3%
$65M
| 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% |
Based on last 12 quarters of dataView full earnings history →
CAC Peer Comparison
Camden National Corporation (CAC) competitors in Banks with large fee businesses — business model, growth, and fundamentals comparison
| Company | Market Cap | Stock Price | P/E Ratio (TTM) | Revenue Growth 1Y | Net Margin | Return on Equity (ROE) | FCF Yield | Debt / Equity |
|---|---|---|---|---|---|---|---|---|
 NBTB | 2.42B | 46.35 | 13.92 | 10.36% | 18.76% | 9.51% | 0.17 | |
 CNOB | 1.62B | 32.20 | 21.76 | 13.44% | 11.89% | 5.49% | 0.74 | |
 FUNC | 265.65M | 40.86 | 10.84 | 6.6% | 20.51% | 12.61% | 0.56 | |
 NECB | 352.35M | 25.47 | 7.84 | -1.55% | 28.41% | 13.07% | 0.21 | |
 MNSB | 173.77M | 23.59 | 13.40 | -1.44% | 11.53% | 7.26% | 0.32 | |
 CFFI | 247.95M | 76.16 | 9.19 | 11.78% | 14.6% | 10.82% | 0.44 | |
 INDB | 4.01B | 81.07 | 18.22 | 19.82% | 17.57% | 6.21% | 0.25 | |
 FIS | 19.95B | 38.59 | 51.45 | 5.43% | 22.91% | 18.45% | 0.29 |
Compare CAC vs Peers
Camden National Corporation (CAC) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.
CAC Income Statement
Camden National Corporation (CAC) annual income statement — 10-year revenue, gross profit & net income history
10Y historyFree accessUpdated daily
| Metric | 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 |
CAC Balance Sheet
Camden National Corporation (CAC) balance sheet — assets, liabilities & shareholders' equity
| Metric | 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 |
CAC Cash Flow Statement
Camden National Corporation (CAC) cash flow — operating, investing & free cash flow history
| Metric | 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% |
CAC Banking Ratios
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% |
Related:CAC Dividend History·CAC Revenue History·CAC Price History·CAC P/E History·CAC Financial Ratios·CAC Institutional Holders
CAC SEC Filings & Documents
Camden National Corporation (CAC) SEC filings — annual & quarterly reports (10-K, 10-Q)
CAC Frequently Asked Questions
Camden National Corporation (CAC) stock FAQ — growth, dividends, profitability & financials explained
Growth & Financials
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).
Dividend & Returns
Yes, Camden National Corporation (CAC) pays a dividend with a yield of 3.27%. 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.
Industry Metrics
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.