Camden National Corp. (CAC) Earnings History
Earnings Pressure30 years of earnings data (1996–2025) · 5-year EPS trend is negative
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Camden National Corp. (CAC) Earnings Overview
As of November 8, 2026, Camden National Corp. (CAC) reported trailing twelve-month net income of $90M, reflecting +6.1% year-over-year growth. The company earned $5.32 per diluted share over the past four quarters, with a net profit margin of 26.1%.
Looking at the long-term picture, CAC's 5-year EPS compound annual growth rate (CAGR) stands at -0.6%, signaling declining earnings. The company achieved its highest annual net income of $69M in fiscal 2021.
Camden National Corp. maintains industry-leading profitability with a gross margin of 92.3%, operating margin of 32.7%, and net margin of 26.1%. This margin structure demonstrates strong pricing power and operational efficiency. View revenue history →
Compared to peers including NBTB ($218M net income, 25.7% margin), CNOB ($150M net income, 25.5% margin), FUNC ($25M net income, 28.4% margin), CAC has outperformed on profitability metrics. Compare CAC vs NBTB →
CAC Earnings vs Peers
Earnings metrics vs comparable public companies
CAC Historical Earnings Data (1996–2025)
30 years| Fiscal Year | Net Income | YoY % | Operating Income | EPS (Diluted) | Net Margin | Op. Margin |
|---|---|---|---|---|---|---|
| 2025 | $65M | +22.9% | $82M | $3.84 | 26.1% | 32.7% |
| 2024 | $53M | +22.2% | $65M | $3.62 | 30.7% | 37.9% |
| 2023 | $43M | -29.4% | $54M | $2.97 | 27.8% | 34.4% |
| 2022 | $61M | -11.0% | $77M | $4.17 | 33.4% | 41.9% |
| 2021 | $69M | +16.0% | $87M | $4.60 | 37.7% | 47.4% |
| 2020 | $59M | +4.0% | $74M | $3.95 | 32.5% | 40.6% |
| 2019 | $57M | +7.8% | $72M | $3.69 | 34.4% | 43.1% |
| 2018 | $53M | +86.4% | $66M | $3.40 | 34.2% | 42.3% |
| 2017 | $28M | -28.9% | $62M | $1.82 | 18.8% | 41.3% |
| 2016 | $40M | +91.2% | $58M | $2.57 | 26.9% | 38.6% |
| 2015 | $21M | -14.7% | $31M | $1.73 | 18.7% | 27.6% |
| 2014 | $25M | +7.8% | $36M | $2.19 | 24.9% | 36.4% |
| 2013 | $23M | -2.8% | $35M | $1.98 | 23.2% | 35.5% |
| 2012 | $23M | -10.5% | $34M | $2.03 | 24.6% | 36.0% |
| 2011 | $26M | +5.7% | $38M | $2.27 | 27.1% | 39.3% |
| 2010 | $25M | +8.8% | $36M | $2.15 | 26.4% | 38.2% |
| 2009 | $23M | +48.5% | $33M | $1.98 | 24.6% | 35.9% |
| 2008 | $15M | -24.4% | $21M | $1.33 | 17.7% | 23.8% |
| 2007 | $20M | +0.0% | $29M | $2.06 | 32.4% | 46.0% |
| 2006 | $20M | -5.2% | $29M | $1.95 | 30.8% | 44.6% |
| 2005 | $21M | +9.7% | $31M | $1.87 | 32.9% | 48.2% |
| 2004 | $19M | +3.0% | $29M | $1.69 | 32.3% | 48.4% |
| 2003 | $19M | +11.0% | $28M | $1.59 | 32.4% | 48.2% |
| 2002 | $17M | +10.6% | $26M | $1.41 | 27.8% | 42.3% |
| 2001 | $15M | +11.2% | $23M | $1.26 | 26.9% | 39.4% |
| 2000 | $14M | +35.9% | $20M | $1.13 | 28.6% | 41.5% |
| 1999 | $10M | -11.3% | $15M | $0.85 | 21.8% | 33.0% |
| 1998 | $12M | +7.5% | $17M | $0.92 | 27.9% | 41.1% |
| 1997 | $11M | +31.9% | $16M | $1.04 | 29.7% | 44.2% |
| 1996 | $8M | - | $12M | $0.77 | 191.0% | 285.8% |
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CAC — Frequently Asked Questions
Quick answers to the most common questions about buying CAC stock.
What is CAC earnings per share (EPS)?
CAC trailing twelve-month (TTM) diluted EPS is $5.32, reflecting +6.1% year-over-year growth. The 5-year EPS CAGR is -0.6%. Complete EPS history from 1996 to 2025 is available in the table on this page.
What is Camden National Corp.'s net income?
Camden National Corp. (CAC) trailing twelve-month net income is $90M as of 2025. Earnings grew +6.1% year-over-year. Camden National Corp. has been profitable for 30 consecutive years.
Is CAC profitable?
Yes, CAC is profitable with a TTM net income of $90M and a net profit margin of +26.1%. Camden National Corp. has generated profits for 30 consecutive years.
What is CAC's earnings growth rate?
CAC compound annual EPS growth rates (CAGR): 1-Year: +6.1%, 3-Year: -2.7%, 5-Year: -0.6%, 10-Year: +8.3%. These figures measure the annualised rate of diluted EPS growth over each period, based on data from 1996 to 2025.
What are CAC's profit margins?
Camden National Corp. net profit margin is +26.1%, operating margin is +32.7%, and gross margin is +92.3%. Above-average net margins reflect strong pricing power and competitive moat. Return on Equity is +10.6%.
Is CAC growing earnings?
CAC is growing earnings steadily. YoY EPS growth of +6.1% is consistent with the 5-year CAGR of -0.6%. TTM net income is $90M.
What was CAC's best earnings year?
Camden National Corp.'s highest annual net income on record is $69M, achieved in fiscal year 2021. Earnings history on this page spans 1996 to 2025 and includes all annual and quarterly figures.
What were CAC's earnings last quarter?
CAC's most recent reported quarter was Q3 2026. Net income was $23M with diluted EPS of $1.35. For a full breakdown of all quarters, see the quarterly earnings table on this page.