Camden National Corporation

Camden National Corporation

CACยทNASDAQ

$50.36

-3.8%
Financial ServicesBanks - Regional

Camden 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.

At a Glance

Live Snapshot
Market Cap$851.82M
EPS3.8500
P/E Ratio11.21
Earnings Date07/28/2026
Camden National Corporation

Camden National Corporation Fair Value Envelope

CAC ยท NASDAQ

Our analysis suggests that CAC has a fair value of HIDDEN per share in the Base Case projection. With shares currently trading at $50.36, this represents a potential HIDDEN relative to our calculated worth for Camden National Corporation.

Intrinsic Value
Current Price: $50.36

Owner Earnings Valuation Tool

Warren Buffett's Owner Earnings DCF analysis for intrinsic value calculation

Historical Financial Data

Base year metrics used for projections

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Projection Settings

Forecast period and terminal assumptions

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DCF Valuation Summary

Calculation flow from present value to intrinsic value per share

Present Value$1.7B
+ Cash & Equivalents$97.5M
Firm Value$1.8B
- Debt$644.3M
Equity Value$1.1B
/ Shares Outstanding16,922,200B
DCF Value$66
UNDERVALUED BY 31%

Owner Earnings Projections

Operating Cash Flow - Maintenance CapEx = Owner Earnings

Metric
Year 1
Year 2
Year 3
Year 4
Year 5
Year 6
Year 7
Year 8
Year 9
Year 10
Operating Cash Flow
$70.1M
$75.4M
$81.1M
$87.1M
$93.7M
$100.7M
$108.3M
$116.4M
$125.2M
$134.6M
Maintenance CapEx
-$1.2M
-$1.3M
-$1.4M
-$1.5M
-$1.6M
-$1.8M
-$1.9M
-$2.0M
-$2.2M
-$2.4M
Owner Earnings
$68.9M
$74.1M
$79.6M
$85.6M
$92.0M
$99.0M
$106.4M
$114.4M
$123.0M
$132.2M
Discount Factor
0.926
0.857
0.794
0.735
0.681
0.630
0.583
0.540
0.500
0.463
Present Value
$63.8M
$63.5M
$63.2M
$62.9M
$62.6M
$62.4M
$62.1M
$61.8M
$61.5M
$61.2M
Terminal Value represents 62.5% of Enterprise Value