Camden National Corporation

Camden National Corporation

CACยทNASDAQ

$48.46

-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$819.69M
EPS3.8500
P/E Ratio12.59
Earnings Date07/28/2026
3Y-38.0%
5Y+258.0%
10Y+14.0%
3Y-88.0%
5Y-80.0%
10Y-66.0%
3Y-153.0%
5Y-136.0%
10Y-205.0%
CAC

Camden National Corporation Cash Conversion Engine

CAC ยท NASDAQ
Net Income65.16M
Depreciation & Amortization0.00
Stock-Based Compensation0.00
Change in Working Capital-15.78M
Others15.84M
Capital Expenditures-5.71M
Free Cash Flow59.52M

Cash Flow Quality Analysis

FCF Conversion Rate

91.3%

Strong cash conversion. Most reported earnings translate into actual cash flow, suggesting solid fundamentals.

CapEx Intensity

8.8%

Asset-light business model. Low capital requirements leave more cash available for shareholders and growth investments.

FCF Growth Trend

+7.5%

Steady FCF growth indicates consistent cash generation improvement. On a positive trajectory.

Working Capital Impact

-$15.78M

Moderate working capital outflow. Typical for growing businesses, but ensure it's supporting revenue growth, not inefficiency.

Cash Flow Quality Insight

Asset-light with strong cash conversion: Low capital requirements combined with efficient cash generation creates significant shareholder value through dividends, buybacks, or strategic investments.

Camden National Corporation Cash Flow Statement

CAC โ€ข NASDAQ

Camden National Corporation Cash Flow StatementDec 2025Dec 2024Dec 2023Dec 2022Dec 2021Dec 2020Dec 2019Dec 2018Dec 2017Dec 2016Dec 2015Dec 2014Dec 2013Dec 2012Dec 2011Dec 2010Dec 2009Dec 2008Dec 2007Dec 2006
OPERATING ACTIVITIES
65.2M
53M
43.4M
61.4M
69M
59.5M
57.2M
53.1M
28.5M
40.1M
21M
24.6M
22.8M
23.4M
26.2M
24.8M
22.8M
15.3M
20.3M
20.3M
0.0
3.9M
4M
4.1M
4.4M
4.5M
4.6M
4.5M
5.6M
6.3M
4.9M
4.2M
4.2M
3.2M
3.2M
3.8M
3.3M
3.2M
2.2M
1.6M
0.0
298K
1.3M
1.8M
-637K
-1.8M
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
2.9M
2.8M
2.6M
2.4M
1.8M
1.9M
1.7M
1.5M
2M
836K
599K
596K
538K
1M
809K
1.1M
250K
0.0
0.0
15.8M
514K
9.7M
40M
64.3M
-12.7M
-3.2M
5.5M
10.5M
-1.5M
-5.5M
3.2M
3.6M
9.6M
3.5M
2.8M
9.1M
16.7M
765K
2.4M
(6.2M)
(8.8M)
(11.1M)
(13.2M)
(18.5M)
(15.7M)
(13.5M)
(10.7M)
(16.8M)
(10.6M)
(12.2M)
(13.4M)
(10.6M)
(6.4M)
(12.1M)
(13M)
(8.3M)
(10.9M)
(0.0)
(0.0)
-15.8M
349K
6.4M
-4.7M
3.3M
-33.1M
-27.6M
-404K
12.4M
10.5M
-5.3M
-2.7M
-1.4M
5.6M
-423K
3.7M
-13.5M
-10.2M
-829K
-2.2M
65.2M
60.9M
67.5M
105.2M
142.7M
18.2M
32.9M
64.3M
58.3M
57.4M
15.9M
29.9M
29.7M
42.3M
33.4M
35.8M
22.7M
25.3M
22.5M
22.1M
INVESTING ACTIVITIES
(0.0)
-5.6M
-2.6M
-2.2M
-1.9M
-2.9M
-4.3M
-5M
-2.8M
-1.7M
-3.2M
-1.3M
-1.5M
-3.4M
-1.5M
-2.5M
-2.5M
-1.1M
-3.6M
-3.2M
(0.0)
(0.0)
(0.0)
(0.0)
(0.0)
(0.0)
(0.0)
(0.0)
(0.0)
(0.0)
(59.9M)
(0.0)
-39.6M
(267.7M)
(0.0)
(0.0)
(0.0)
-27.6M
(0.0)
(0.0)
(0.0)
-60.4M
-137.1M
-138.2M
-758.8M
-433.4M
-339.3M
-232.2M
-170.5M
-231.2M
-175.5M
-98.7M
-208.3M
-462.6M
-219.1M
-279.3M
-55.5M
-301.8M
-177.7M
-135M
0.0
123.1M
225.1M
233.7M
321.6M
265.8M
355.6M
191.8M
155M
184.6M
156.4M
134.4M
147.4M
274.6M
228.9M
204.9M
196.6M
228.5M
163.3M
62.8M
-57.7M
-26.8M
-92.4M
-581M
-210M
-123.9M
-67.9M
-231.3M
-193.8M
-119.7M
-92.4M
-204.9M
-64.8M
-44.2M
8.2M
-2.8M
-29.3M
1.3M
70.8M
-37.5M
-57.7M
(30.3M)
-7M
-487.7M
-649.1M
-294.5M
-55.8M
-276.8M
-212.1M
-168M
-54.7M
-170.5M
-166.9M
(32.1M)
(14.8M)
-79.7M
(109.4M)
-100.8M
(52.8M)
-113M
FINANCING ACTIVITIES
-537K
-1.6M
-2M
-10.2M
-10.1M
-9.7M
-20.8M
-27K
0.0
0.0
0.0
-7.5M
-2.5M
-2.1M
-389K
-49K
-55K
-3.5M
-4.2M
-36.4M
-28.7M
14.7M
220.3M
53.4M
9M
-91.5M
-2.2M
-270.1M
16.7M
52.2M
-4.7M
46.9M
169.9M
-96.1M
-103.4M
32.7M
-136.1M
36.9M
-1.6M
114.7M
-28.5M
-24.6M
-24.5M
-23.5M
-21.1M
-19.8M
-18.6M
-17.2M
-14.3M
-12.4M
-9.8M
-8.1M
-8.1M
-7.7M
-11.5M
-7.7M
-7.7M
-7.3M
-6.3M
-6.2M
(0.0)
-1.6M
-2M
-10.2M
-10.1M
-9.7M
-20.8M
-27K
-606K
-5.7M
(96.6M)
-7.5M
-2.5M
-2.1M
-389K
-49K
-55K
-3.5M
-4.5M
-37M
-67.3M
35.3M
-229.8M
217.7M
603.4M
467.4M
73.1M
463.8M
166.7M
78.9M
72M
118.8M
-29.1M
50.3M
75.4M
20.1M
6.3M
55.8M
-67.8M
21.9M
-125M
23.9M
-36.1M
237.3M
581.2M
346.4M
31.6M
176.5M
169.1M
118.8M
57.5M
150.1M
130.2M
-55.5M
-39.9M
45.1M
-137.5M
81.9M
-79.9M
93.9M
CASH FLOW SUMMARY
-94K
115.2M
24.4M
-145.2M
74.9M
70.1M
8.6M
-36M
15.3M
8.2M
18.7M
9.5M
-6.9M
19M
8.3M
1.2M
-5.4M
6.4M
-4.6M
3M
38.6M
99.8M
75.4M
220.6M
145.8M
75.6M
67M
103M
87.7M
79.5M
60.8M
51.4M
58.3M
39.3M
31M
29.8M
35.2M
28.8M
33.4M
30.3M
38.5M
215M
99.8M
75.4M
220.6M
145.8M
75.6M
67M
103M
87.7M
79.5M
60.8M
51.4M
58.3M
39.3M
31M
29.8M
35.2M
28.8M
33.4M
59.5M
55.4M
64.9M
103M
140.9M
15.3M
28.6M
59.3M
55.5M
55.7M
12.7M
28.6M
28.2M
38.9M
31.9M
33.3M
20.2M
24.2M
18.9M
19M

SEC Filings

CAC - Filing history and reports

Filing TypeFiling DatePeriod EndingFiscal YearActions
8-K

8-K 2026

N/A

May 21, 2026
May 19, 2026
2026
8-K

8-K 2026

N/A

May 11, 2026
May 11, 2026
2026
10-Q

10-Q 2026 Q1

Q1

May 07, 2026
March 31, 2026
2026
8-K

8-K 2026

N/A

April 28, 2026
April 28, 2026
2026
DEF 14A

DEF 14A 2026

N/A

April 03, 2026
May 19, 2026
2026
8-K

8-K 2026

N/A

March 31, 2026
March 31, 2026
2026
10-K

10-K 2025 FY

FY

March 06, 2026
December 31, 2025
2025
8-K

8-K 2026

N/A

January 27, 2026
January 27, 2026
2026
8-K

8-K 2026

N/A

January 08, 2026
January 07, 2026
2026
8-K

8-K 2025

N/A

December 16, 2025
December 16, 2025
2025
Showing 1 to 10 of 567 filings