GuruFocus·Jun 17, 2026
Camden National Bank Strengthens Commercial and Treasury Capabilities with Experienced Banking TalentCamden National Bank Strengthens Commercial and Treasury Capabilities with Experienced Banking Talent PR Newswire
Camden National Corporation(CAC)Earnings, Financials & Key Ratios
CAC•NASDAQ•Banking & Credit
$53.93
14.0× P/E·Price updated Jul 7, 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 Price & Volume
Camden National Corporation (CAC) stock price & volume — 10-year historical chart
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Stagnant Margin Profile Challenges Regional Asset Growth
Investment Thesis • Updated 2026Q1
VerdictNeutral
Growth:Expanding
Profitability:Moderate
Financial:Healthy
Cash Flow:Mixed
Primary Risk:Margin compression and funding
Key Thesis Takeaways
- Camden National Corporation faces a maturing interest rate cycle where net interest income growth has decelerated significantly from 56.2% in 2025Q1 to 7.2% by 2026Q1.
- While the bank maintains a disciplined equity-to-assets ratio of 0.10, persistent net interest margin compression at 0.8% suggests limited near-term upside for core profitability.
- Investors should monitor the bank's reliance on cyclical fee income, which reached 14.7% of total revenue in 2025Q4, as a potential buffer against ongoing operational efficiency volatility.
Verdict Logic
while the bank maintains a stable dividend payout of $7.1 million per quarter, the forward P/E of 10.14 and stagnant 0.8% NIM suggest limited catalysts for near-term valuation expansion.
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%
TTM69.4%
EPS CAGR
10 Years8.3%
5 Years-0.56%
3 Years-2.71%
TTM49.68%
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 →
Latest CAC News
Recent stock market news and headlines for Camden National Corporation (CAC)
PRNewsWire·Jun 17, 2026
Camden National Bank Strengthens Commercial and Treasury Capabilities with Experienced Banking TalentJennifer Demers and Keith Pike bring expanded commercial, treasury management, and public sector expertise to clients across Northern New England CAMDEN, Maine, June 17, 2026 /PRNewswire/ -- Camden National Bank, a community bank serving customers since 1875, today announced the addition of Jennifer Demers as vice president, commercial banking officer, and Keith Pike as senior vice president, senior treasury management and government banking sales advisor. Their appointments strengthen the bank's ability to serve commercial, industrial, municipal, and institutional clients across Northern New England.
Peers Comparison
Key metrics vs top competitors for Camden National Corporation (CAC)
| Company | Price | Market Cap | P/E Ratio | Rev Growth (1Y) | Net Margin | ROE | Div Yield |
|---|---|---|---|---|---|---|---|
| $53.93 | $912.21M | 14.04 | 26.79% | 17.74% | 10.61% | 3.11% | |
| $49.63 | $2.58B | 14.90 | 10.36% | 19.66% | 9.83% | — | |
| $32.20 | $1.62B | 21.76 | 13.44% | 13.35% | 6.32% | — | |
| $43.96 | $283.4M | 11.66 | 6.6% | 20.89% | 12.7% | — | |
| $26.75 | $370.06M | 8.23 | -1.55% | 28.51% | 12.62% | — | |
| $24.06 | $171.21M | 13.67 | -1.44% | 12.96% | 7.98% | — |
Compare CAC vs Peers
Camden National Corporation (CAC) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.
CAC SEC Filings & Documents
Camden National Corporation (CAC) SEC filings — annual & quarterly reports (10-K, 10-Q)
8-K Announcements
6Material company update
Jun 18, 2026·SEC
Material company update
May 21, 2026·SEC
Material company update
May 11, 2026·SEC
10-K Annual Reports
210-Q Quarterly Reports
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CAC Frequently Asked Questions
Camden National Corporation (CAC) stock FAQ — growth, dividends, profitability & financials explained
Growth & Financials
How fast is Camden National Corporation growing?
Camden National Corporation (CAC) grew revenue by 26.8% over the past year. This is strong growth.
Is CAC profitable?
Yes, Camden National Corporation (CAC) is profitable, generating $79.7M in net income for fiscal year 2025 (17.7% net margin).
Dividend & Returns
Does CAC pay dividends?
Yes, Camden National Corporation (CAC) pays a dividend with a yield of 3.11%. This makes it attractive for income-focused investors.
What is CAC's return on equity?
Camden National Corporation (CAC) has a return on equity (ROE) of 10.6%. This is reasonable for most industries.
Industry Metrics
What is Camden National Corporation's net interest margin?
Camden National Corporation (CAC) has a net interest margin (NIM) of 2.9%. NIM has been under pressure due to interest rate environment.
What is Camden National Corporation's efficiency ratio?
Camden National Corporation (CAC) has an efficiency ratio of 40.6%. This is excellent, indicating strong cost control.