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CACCamden National Corp.
$56.35$953M
Overview & Tools
OverviewChart Terminal ↗Visualize
Valuation & Forecasts
Valuation ModelsEstimatesDCF Model
Price & Analyst Data
Analyst TargetsPrice History
Financial Statements
Income StatementBalance SheetCash FlowRatios & Margins
Performance
P/E HistoryRevenue HistoryEarnings HistoryDividend HistoryTotal Return
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CAC logo

Camden National Corp.

CAC
NASDAQ · Regional Banks
$56.35
At close - Sep 23, 4:00 PM EDT - USD
Market Cap$953M
P/E14.7x
52W High$60.59
Volume75.1K
OverviewTerminalAnalysisFinancialsValuationEarningsBreakoutsOwnership
VCP Research Verdict2026Q2

NIM Expansion and Credit Normalization Drive Earnings Rebound

Camden National is executing a strategic balance sheet repositioning, with total assets expanding 21% year-over-year to $7.0B and net interest income surging 52.3% in Q4 2025, driving EPS growth to $1.35 in Q2 2026. The credit cycle appears to have peaked, as ...

GrowthAccelerating
ProfitabilityStrong
ValuationReview
TechnicalsMixed
Explore valuation models
MARKET ACTION

CAC price & volume

Price trend, volume and key moving averages

Launch Terminal
Loading chart...
Decision Checklist4 Core Signals

What matters now

The signals most likely to change the investment case.

01

Earnings momentum

8/12 Beats

EPS beat 8 of last 12 quarters

02

Valuation risk

-14% Peers

P/E is 14% below peer median

03

Market leadership

RS 79 · Avg

Average momentum (RS Rating: 79)

04

Mixed Trend

Mixed

Price < 50DMA but > 200DMA

Next CatalystEstimated earnings · Oct 28

Market performance

Price History →

Trailing total returns as of 9/24/2026, which may include dividends or other distributions. Benchmark is S&P 500 (^GSPC).

YTD Return
CAC+33.88%
S&P 500 (^GSPC)+12.39%
1-Year Return
CAC+46.84%
S&P 500 (^GSPC)+15.77%
3-Year Return
CAC+116.93%
S&P 500 (^GSPC)+75.40%
5-Year Return
CAC+37.29%
S&P 500 (^GSPC)+67.94%
02

Test the fundamentals

Check whether operating performance supports the current valuation.

VALUATION & INTRINSIC VALUE

Valuation Scenarios

Valuation Analysis
Trailing P/E5Y High
14.7x
Forward P/EExpansion
10.4x
EV/EBITDA80th %ile
16.4x
FCF YieldCash Flow
6.1%

Valuation vs 5-Year History

Multiple Range
Metric
Current
5Y Median
Historical Range
Percentile
P/E
14.7x
11.3x
100th· High
EV/EBITDA
16.4x
13.8x
80th· High
Price/FCF
16.4x
8.5x
100th· High
Current Multiple
5Y Median (50th %ile)

Intrinsic Value Scenarios

DCF Projection
No DCF Model AvailableIntrinsic value modeling is not supported for this equity.

Growth & profitability

Annual revenue & EPS trend
Revenue
$250M+44.8% YoY
Net income
$65M+22.9% YoY
Free cash flow
$58M+5.1% YoY
Operating margin
22.2%-0.4 pts YoY
ROIC (TTM)5.1%
Avg ROIC 5Y-
ROE (TTM)10.6%
Piotroski Score7 / 9
Financial Statements →
03

Monitor what changed

Recent results and news deserve attention only when they alter the forward view.

OPERATING RESULTS

Recent Earnings

Earnings History
EPS Beat Rate8/12 (73%)
Revenue Beat Rate3/12 (27%)
QuarterEPS (Act vs Est)Revenue (Act vs Est)
Q3 2026Latest
Jul 28, 2026
$1.35+4.7%
vs $1.29
$67M+0.4%
vs $66M
Q2 2026
Apr 28, 2026
$1.29+2.4%
vs $1.26
$64M-1.9%
vs $66M
Q2 2026
Mar 6, 2026
$1.33
vs —
$96M
vs —
Q1 2026
Jan 27, 2026
$1.33+0.8%
vs $1.32
$68M+2.9%
vs $66M
Historical baseline: 12 quarters analyzedGAAP / Adjusted
MARKET COVERAGE

Latest News

5 Stories
PRNewsWire·Sep 10, 2026
Camden National Bank Employees Volunteer at 62 Nonprofits in a Single Afternoon

Over 560 employees step away from daily roles to support local nonprofit organizations CAMDEN, Maine, Sept. 10, 2026 /PRNewswire/ -- From harvesting fall crops and stocking food pantry shelves to preparing meals and helping local organizations tackle hands-on projects, more than 560 Camden National Bank employees spent Wednesday afternoon volunteering with 62 nonprofits across Maine and New Hampshire as part of the Bank's Community Well-being Day.

Seeking Alpha·Sep 1, 2026
Camden National Corporation: Quality Comes At A Price

Camden National Corporation (CAC) demonstrates improved earnings quality, with Q2 2026 EPS of $1.35, exceeding expectations and reflecting robust operational enhancements. Loan portfolio is balanced between commercial and consumer, with residential real estate exposure at 47.3% and HELOC balances expanding 23% year-over-year. Valuation is elevated at 1.78x TBV, but strong asset quality, efficiency, and PEG ratio below 0.5 justify a Buy rating despite muted loan growth.

Defense World·Aug 30, 2026
Connor Clark & Lunn Investment Management Ltd. Acquires Shares of 29,336 Camden National Corporation $CAC

Connor Clark and Lunn Investment Management Ltd. bought a new position in shares of Camden National Corporation (NASDAQ: CAC) during the undefined quarter, according to the company in its most recent disclosure with the SEC. The fund bought 29,336 shares of the financial services provider's stock, valued at approximately $1,591,000. Connor Clark and

Defense World·Aug 4, 2026
Empowered Funds LLC Buys 53,154 Shares of Camden National Corporation $CAC

Empowered Funds LLC raised its position in shares of Camden National Corporation (NASDAQ: CAC) by 322.3% in the undefined quarter, according to the company in its most recent Form 13F filing with the Securities and Exchange Commission. The firm owned 69,644 shares of the financial services provider's stock after purchasing an additional 53,154

Filtered for Camden National Corp.More Headlines
04

Compare before deciding

Benchmark CAC against direct peers instead of judging its metrics in isolation.

Peers Comparison

Key metrics vs top competitors for Camden National Corp. (CAC)

Full Screener →
CompanyPriceMarket CapP/E RatioRev Growth (1Y)Net MarginROEDiv Yield
CAC logoCACCamden National Corp.Current
$56.35$953.14M14.6744.8%17.74%10.61%2.98%
NBTB logoNBTBNBT Bancorp Inc.
$50.48$2.63B15.1614.54%22.65%11.26%—
CNOB logoCNOBConnectOne Bancorp, Inc.
$30.50$1.53B20.6119.23%26.13%10.11%—
FUNC logoFUNCFirst United Corporation
$42.76$275.97M11.348.34%20.89%12.7%—
NECB logoNECBNortheast Community Bancorp, Inc.
$26.38$364.45M8.121.33%27.87%12%—
MNSB logoMNSBMainStreet Bancshares, Inc.
$24.80$176.51M14.0912.18%13.25%8%—

Compare CAC vs Peers

Camden National Corp. (CAC) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.

Closest Rival

vs NBTB

Most directly comparable listed peer for CAC.

Scale Benchmark

vs ICE

Larger-name benchmark to compare CAC against a more recognizable public peer.

Peer Set

Compare Top 5

vs NBTB, CNOB, FUNC, NECB

05

Keep researching

Verify the primary filings, follow material updates, and answer the remaining questions.

CAC SEC Filings & Documents

Camden National Corp. (CAC) SEC filings — annual & quarterly reports (10-K, 10-Q)

8-K Announcements

6
Material company update

Jul 28, 2026·SEC

Material company update

Jul 6, 2026·SEC

Material company update

Jun 30, 2026·SEC

10-K Annual Reports

2
FY 2026

Mar 6, 2026·SEC

FY 2025

Mar 7, 2025·SEC

10-Q Quarterly Reports

5
FY 2026

Aug 6, 2026·SEC

FY 2026

May 7, 2026·SEC

FY 2025

Nov 6, 2025·SEC

Get notified when CAC posts new earnings or crosses analyst targets

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CAC Frequently Asked Questions

Camden National Corp. (CAC) stock FAQ — growth, dividends, profitability & financials explained

Growth & Financials
How fast is Camden National Corp. growing?

Camden National Corp. (CAC) grew revenue by 44.8% over the past year. This is strong growth.

Is CAC profitable?

Yes, Camden National Corp. (CAC) is profitable, generating $88.7M in net income for fiscal year 2025 (17.7% net margin).

Dividend & Returns
Does CAC pay dividends?

Yes, Camden National Corp. (CAC) pays a dividend with a yield of 2.98%. This makes it attractive for income-focused investors.

What is CAC's return on equity?

Camden National Corp. (CAC) has a return on equity (ROE) of 10.6%. This is reasonable for most industries.

Industry Metrics
What is Camden National Corp.'s net interest margin?

Camden National Corp. (CAC) has a net interest margin (NIM) of 2.9%. NIM has been under pressure due to interest rate environment.

What is Camden National Corp.'s efficiency ratio?

Camden National Corp. (CAC) has an efficiency ratio of 40.6%. This is excellent, indicating strong cost control.

What if you invested $1,000 in CAC back in 1996?

Total return calculator · dividends reinvested · 30+ years of data

See returns →