Camden National Corporation (CAC) Financial Ratios
30 years of historical data (1996–2025) · Financial Services · Banks - Regional
EV/EBITDA
↑
15.59
↑+23% vs avg
5yr avg: 12.70
30Y Low8.1·High34.9
P/FCF
↑
14.79
↑+71% vs avg
5yr avg: 8.64
30Y Low4.6·High38.0
P/B Ratio
↓
1.26
+5% vs avg
5yr avg: 1.21
30Y Low1.0·High3.0
ROE
↓
10.6%
-4% vs avg
5yr avg: 11.1%
30Y Low7%·High18%
Debt/EBITDA
↑
7.04
+15% vs avg
5yr avg: 6.14
30Y Low2.8·High27.7
Percentile shows where the current value sits in 30-year historical distribution. Sparklines show 5-year trend.
CAC Valuation Multiples
Price-based multiples — how expensive the stock is relative to earnings, sales, book value, and cash flow
Camden National Corporation trades at 13.5x earnings, 20% above its 5-year average of 11.2x, sitting at the 72nd percentile of its historical range. This is roughly in line with the Financial Services sector median P/E of 13.6x. On a free-cash-flow basis, the stock trades at 14.8x P/FCF, 71% above the 5-year average of 8.6x.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Market Cap | $880M | $736M | $625M | $550M | $613M | $721M | $538M | $712M | $562M | $657M | $689M |
| Enterprise Value | $1.4B | $1.3B | $955M | $980M | $847M | $756M | $639M | $974M | $837M | $1.2B | $1.2B |
| P/E Ratio → | 13.51 | 11.30 | 11.81 | 12.67 | 10.00 | 10.47 | 9.06 | 12.48 | 10.58 | 23.15 | 17.30 |
| P/S Ratio | 2.40 | 2.00 | 2.16 | 2.20 | 2.93 | 3.72 | 2.64 | 3.44 | 3.02 | 3.82 | 4.16 |
| P/B Ratio | 1.26 | 1.06 | 1.18 | 1.11 | 1.36 | 1.33 | 1.02 | 1.50 | 1.29 | 1.63 | 1.76 |
| P/FCF | 14.79 | 12.36 | 11.30 | 8.47 | 5.95 | 5.12 | 35.13 | 24.88 | 9.48 | 11.83 | 12.36 |
| P/OCF | 13.50 | 11.28 | 10.26 | 8.14 | 5.83 | 5.05 | 29.49 | 21.65 | 8.74 | 11.26 | 12.00 |
P/E links to full P/E history page with 30-year chart
CAC EV Ratios
Enterprise-value multiples — capital-structure-neutral measures of total business value
Camden National Corporation's enterprise value stands at 15.6x EBITDA, 23% above its 5-year average of 12.7x. The Financial Services sector median is 11.4x, placing the stock at a 37% premium on an enterprise-value basis.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| EV / Revenue | — | 3.49 | 3.30 | 3.91 | 4.05 | 3.90 | 3.13 | 4.70 | 4.49 | 6.78 | 7.26 |
| EV / EBITDA | 15.59 | 14.01 | 13.78 | 16.95 | 10.44 | 8.31 | 8.09 | 12.79 | 11.91 | 17.16 | 18.81 |
| EV / EBIT | 17.48 | 15.71 | 14.60 | 18.20 | 10.99 | 8.73 | 8.58 | 13.61 | 12.72 | 18.69 | 20.87 |
| EV / FCF | — | 21.55 | 17.26 | 15.10 | 8.22 | 5.37 | 41.72 | 34.05 | 14.10 | 21.00 | 21.55 |
CAC Profitability
Margins and return-on-capital ratios measuring operating efficiency
Camden National Corporation earns an operating margin of 22.2%, roughly in line with the Financial Services sector average. ROE of 10.6% is modest. ROIC of 5.1% represents adequate returns on invested capital versus a sector median of 5.5%.
Margins
Full margin charts and quarterly trend are on the Earnings History page
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | 62.8% | 62.8% | 59.4% | 62.3% | 85.8% | 95.9% | 83.7% | 78.9% | 82.9% | 86.1% | 86.8% |
| Operating Margin | 22.2% | 22.2% | 22.6% | 21.5% | 36.9% | 44.7% | 36.5% | 34.6% | 35.3% | 36.3% | 34.8% |
| Net Profit Margin | 17.7% | 17.7% | 18.3% | 17.3% | 29.4% | 35.6% | 29.2% | 27.6% | 28.5% | 16.6% | 24.2% |
Return on Capital
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE | 10.6% | 10.6% | 10.3% | 9.2% | 12.4% | 12.9% | 11.9% | 12.6% | 12.6% | 7.2% | 10.6% |
| ROA | 1.0% | 1.0% | 0.9% | 0.8% | 1.1% | 1.3% | 1.3% | 1.3% | 1.3% | 0.7% | 1.1% |
| ROIC | 5.1% | 5.1% | 4.7% | 4.5% | 7.4% | 8.3% | 7.0% | 6.8% | 5.5% | 4.7% | 4.5% |
| ROCE | 2.3% | 2.3% | 10.8% | 10.4% | 14.3% | 14.4% | 12.9% | 13.6% | 13.4% | 13.4% | 12.6% |
CAC Leverage & Debt
Solvency and debt-coverage ratios — lower is generally safer
Camden National Corporation carries a Debt/EBITDA ratio of 7.0x, which is highly leveraged (65% above the sector average of 4.3x). Net debt stands at $547M ($644M total debt minus $97M cash). Interest coverage of just 0.7x is concerning — the company has limited headroom to absorb earnings volatility before struggling with debt service.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 0.92 | 0.92 | 1.03 | 1.07 | 0.69 | 0.47 | 0.47 | 0.71 | 0.78 | 1.52 | 1.53 |
| Debt / EBITDA | 7.04 | 7.04 | 7.86 | 9.17 | 3.81 | 2.81 | 3.13 | 4.44 | 4.86 | 9.00 | 9.39 |
| Net Debt / Equity | — | 0.79 | 0.62 | 0.87 | 0.52 | 0.07 | 0.19 | 0.55 | 0.63 | 1.26 | 1.31 |
| Net Debt / EBITDA | 5.97 | 5.97 | 4.76 | 7.44 | 2.88 | 0.39 | 1.28 | 3.44 | 3.91 | 7.49 | 8.02 |
| Debt / FCF | — | 9.19 | 5.96 | 6.63 | 2.27 | 0.25 | 6.60 | 9.17 | 4.63 | 9.16 | 9.18 |
| Interest Coverage | 0.70 | 0.70 | 0.56 | 0.57 | 3.07 | 7.84 | 3.56 | 1.75 | 2.12 | 3.00 | 3.48 |
CAC Liquidity & Efficiency
Short-term solvency ratios and asset-utilisation metrics
A current ratio of 1.77x means Camden National Corporation can comfortably meet its short-term obligations, though there is limited excess liquidity. The current ratio has improved from 0.14x to 1.77x over the past 3 years.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Current Ratio | 1.77 | 1.77 | 0.15 | 0.14 | 0.15 | 0.35 | 0.29 | 0.26 | 0.26 | 0.25 | 0.26 |
| Quick Ratio | 1.77 | 1.77 | 0.15 | 0.14 | 0.15 | 0.35 | 0.29 | 0.26 | 0.26 | 0.25 | 0.26 |
| Cash Ratio | 0.17 | 0.17 | 0.04 | 0.02 | 0.01 | 0.04 | 0.03 | 0.02 | 0.02 | 0.03 | 0.03 |
| Asset Turnover | — | 0.05 | 0.05 | 0.04 | 0.04 | 0.04 | 0.04 | 0.05 | 0.04 | 0.04 | 0.04 |
| Inventory Turnover | — | — | — | — | — | — | — | — | — | — | — |
| Days Sales Outstanding | — | — | — | — | — | — | — | — | — | — | — |
CAC Shareholder Yields
Earnings, FCF, buyback, and dividend yields — total returns to shareholders
Camden National Corporation returns 3.2% to shareholders annually primarily through dividends. A payout ratio of 43.7% is moderate and appears sustainable, balancing shareholder returns with reinvestment capacity. The earnings yield of 7.4% (inverse of P/E) provides a useful comparison to bond yields when assessing the stock's relative attractiveness to fixed income.
Dividends
Full dividend history and growth charts are on the Dividend History page
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Dividend Yield | 3.2% | — | — | — | — | — | — | — | — | — | — |
| Payout Ratio | 43.7% | 43.7% | 46.3% | 56.6% | 38.3% | 30.5% | 33.4% | 32.5% | 32.4% | 50.3% | 30.9% |
Total Shareholder Return Metrics
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Earnings Yield | 7.4% | 8.9% | 8.5% | 7.9% | 10.0% | 9.6% | 11.0% | 8.0% | 9.5% | 4.3% | 5.8% |
| FCF Yield | 6.8% | 8.1% | 8.9% | 11.8% | 16.8% | 19.5% | 2.8% | 4.0% | 10.6% | 8.4% | 8.1% |
| Buyback Yield | 0.0% | — | — | — | — | — | — | — | — | — | — |
| Total Shareholder Yield | 3.2% | — | — | — | — | — | — | — | — | — | — |
| Shares Outstanding | — | $17M | $15M | $15M | $15M | $15M | $15M | $15M | $16M | $16M | $16M |
Peer Comparison
Compare CAC with 10 similar companies in its peer group
| Company | Market Cap | P/E | EV/EBITDA | P/FCF | Gross Margin | Op Margin | ROE | ROIC | Debt/EBITDA |
|---|---|---|---|---|---|---|---|---|---|
 CACYou | $880M | 13.5 | 15.6 | 14.8 | 62.8% | 22.2% | 10.6% | 5.1% | 7.0 |
 NBTB | $2B | 14.2 | 10.8 | 11.3 | 72.1% | 25.3% | 9.9% | 7.9% | 1.4 |
 CNOB | $2B | 22.1 | 24.1 | 16.3 | 44.2% | 18.6% | 5.7% | 3.5% | 10.4 |
 FUNC | $275M | 11.2 | 7.9 | 17.8 | 70.2% | 27.3% | 12.8% | 7.1% | 3.5 |
 NECB | $359M | 8.0 | 5.6 | 7.1 | 66.1% | 39.6% | 13.3% | 12.5% | 1.2 |
 MNSB | $178M | 13.7 | 11.6 | 16.7 | 54.4% | 14.0% | 7.3% | 5.0% | 3.7 |
 CFFI | $247M | 9.1 | 10.5 | 11.1 | 69.5% | 17.8% | 11.0% | 6.8% | 3.5 |
 INDB | $4B | 18.3 | 15.3 | 16.8 | 67.9% | 22.9% | 6.3% | 4.9% | 2.9 |
 FIS | $19B | 50.3 | 6.3 | 6.9 | 36.9% | 16.5% | 2.6% | 6.0% | 1.1 |
 FISV | $25B | 7.4 | 6.0 | 5.8 | 59.4% | 26.9% | 13.0% | 8.1% | 3.3 |
 JKHY | $9B | 19.8 | 11.4 | 15.2 | 42.7% | 23.9% | 21.4% | 21.0% | — |
| Financial Services Median | — | 13.6 | 11.4 | 11.1 | 64.1% | 20.3% | 9.0% | 5.5% | 4.3 |
Peer selection based on competitive and market overlap. Compare multiple stocks →
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Includes 30+ ratios · 30 years · Updated daily
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CAC — Frequently Asked Questions
Quick answers to the most common questions about buying CAC stock.
What is Camden National Corporation's P/E ratio?
Camden National Corporation's current P/E ratio is 13.5x. The historical average is 12.5x. This places it at the 72th percentile of its historical range.
What is Camden National Corporation's EV/EBITDA?
Camden National Corporation's current EV/EBITDA is 15.6x. This enterprise value multiple compares the company's total value (equity + debt - cash) to its EBITDA. The historical average is 16.7x.
What is Camden National Corporation's ROE?
Camden National Corporation's return on equity (ROE) is 10.6%. The historical average is 12.9%.
Is CAC stock overvalued?
Based on historical data, Camden National Corporation is trading at a P/E of 13.5x. This is at the 72th percentile of its historical P/E range. Compare with industry peers and growth rates for a complete picture.
What is Camden National Corporation's dividend yield?
Camden National Corporation's current dividend yield is 3.24% with a payout ratio of 43.7%.
What are Camden National Corporation's profit margins?
Camden National Corporation has 62.8% gross margin and 22.2% operating margin. Operating margin above 20% indicates strong pricing power and cost efficiency.
How much debt does Camden National Corporation have?
Camden National Corporation's Debt/EBITDA ratio is 7.0x, indicating high leverage. A ratio above 4x may signal elevated financial risk.