Camden National Corp. (CAC)
Valuation Overview•Is Camden National Corp. Overvalued or Undervalued?
The market is pricing the stock in line with historical averages, assuming steady-state growth.
Moderate quality score of 63/100, reflecting stable operating margins and manageable leverage.
Wall Street forecasts a balanced outlook with consensus price targets near the current price.
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Verdict: Solid fundamental quality, though solvency presents a headwind.
Wall Street sentiment is generally neutral with steady expected earnings growth. This is paired with healthy capital returns, anchored by a strong, well-covered dividend yield.
CAC demonstrates strong business quality with robust profitability and healthy margins. However, the balance sheet carries elevated leverage, requiring careful monitoring of debt servicing capabilities.
The company demonstrates solid revenue growth (10.8% 3Y CAGR) however, earnings have severely contracted over the same period. This growth is supported by elite operational efficiency, sustaining an impressive 25.6% operating margin.
| Financial Metric | Trend (12Q) | Latest Qtr | 1Y Growth | 3Y CAGR | 5Y CAGR | 10Y CAGR |
|---|---|---|---|---|---|---|
| Revenue | $52.9M | +44.8% | +10.8% | +6.4% | +11.4% | |
| EBITDA | $16.2M | — | +4.1% | — | — | |
| Net Income | $23.0M | +22.9% | +2.0% | — | +12.0% | |
| EPS (Diluted) | $1.35 | +6.1% | -2.7% | -0.6% | +8.3% | |
| Free Cash Flow | $29.9M | +5.1% | -17.3% | +30.6% | — |
| Metric | TTM | 3Y Avg | 5Y Avg | 10Y Avg |
|---|---|---|---|---|
| Gross Margin | 67.4% | 61.5% | 73.3% | 78.5% |
| Operating Margin | 25.6% | 22.1% | 29.6% | 32.5% |
| Net Margin | 25.6% | 17.8% | 23.7% | 24.4% |
| FCF Margin | 29.6% | 20.3% | 36.6% | 30.2% |
| Quarter | EPS Est. | EPS Act. | Surprise | EPS | Rev |
|---|---|---|---|---|---|
| Q3'26Latest | $1.29 | $1.35 | +4.7% | ||
| Q2'26 | $1.26 | $1.29 | +2.4% | ||
| Q1'26 | — | $1.33 | — | ||
| Q1'26 | $1.32 | $1.33 | +0.8% | ||
| Q4'25 | $1.23 | $1.24 | +0.8% | ||
| Q3'25 | $1.12 | $0.89 | -20.5% | ||
| Q2'25 | $0.99 | $0.95 | -4.0% | ||
| Q1'25 | $0.89 | $1.03 | +15.7% |
Total return is +46.8% (1Y), outperforming the benchmark by +31.1%
| Period | Total Return | vs S&P 500 (Alpha) | Dividend Contribution |
|---|---|---|---|
| YTD | +33.9% | +21.5% | — |
| 1Y | +46.8% | +31.1% | +4.3% |
| 3YCAGR | +29.5% | +8.9% | +17.8% |
| 5YCAGR | +6.5% | -4.4% | +17.6% |
| 10YCAGR | +8.2% | -5.3% | — |
The S&P 500 is at 31.3x trailing P/E — Expensive relative to historical averages.
Quick answers to common questions about Camden National Corp. (CAC) valuation, health, and returns.
Based on peer relative multiples, Camden National Corp. appears Fair versus peers compared to industry peers.
Camden National Corp. has multiple valuation anchors: Peer Relative Fair Value: $54.68 | Wall Street Analyst Target: $59.00 (implying +4.7% upside). A convergence of these signals offers higher conviction.
Camden National Corp. displays good financial health with a composite quality score of 63/100, supported by a Piotroski F-Score of 7/9, Return on Invested Capital (ROIC) of 5.1%.
Camden National Corp. pays a 3.0% dividend yield, covered by a 44% payout ratio with 0 years of growth, supplemented by a 0.0% buyback yield.
Camden National Corp.'s current growth trajectory is Accelerating. The company achieved +44.8% 1Y revenue growth and +6.1% 1Y EPS growth, compared to its 3Y revenue CAGR of +10.8%.
Wall Street consensus is Buy based on 6 analysts, beating EPS expectations in 75% of recent quarters with a 4-quarter streak. The consensus price target represents a +4.7% change from current levels.
Investment risks for Camden National Corp. include: -14.6% 1-year max drawdown. Volatility risk is characterized by a beta of 0.55x.
No. These computations are purely quantitative model outputs for informational purposes. They do not account for qualitative management shifts or macro events. Always consult a licensed RIA before buying or selling shares.
Disclaimer: This page is for informational purposes only and does not constitute financial advice. All valuation models, scores, and target estimates are automated computations under stated assumptions and should not be relied upon as the sole basis for any investment decision.