$48.46
-3.8%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.
Strong cash conversion. Most reported earnings translate into actual cash flow, suggesting solid fundamentals.
Asset-light business model. Low capital requirements leave more cash available for shareholders and growth investments.
Steady FCF growth indicates consistent cash generation improvement. On a positive trajectory.
Moderate working capital outflow. Typical for growing businesses, but ensure it's supporting revenue growth, not inefficiency.
Asset-light with strong cash conversion: Low capital requirements combined with efficient cash generation creates significant shareholder value through dividends, buybacks, or strategic investments.
CAC โข NASDAQ
| Camden National Corporation Cash Flow Statement | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 | Dec 2020 | Dec 2019 | Dec 2018 | Dec 2017 | Dec 2016 | Dec 2015 | Dec 2014 | Dec 2013 | Dec 2012 | Dec 2011 | Dec 2010 | Dec 2009 | Dec 2008 | Dec 2007 | Dec 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 |
CAC - Filing history and reports
| Filing Type | Filing Date | Period Ending | Fiscal Year | Actions |
|---|---|---|---|---|
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 |
Continue your CAC research with focused valuation guides.
Snapshot
Start with context, operating signals, and key market metrics.
Value Model
Stress test fair value across bear, base, and bull assumptions.
Statements
Validate revenue quality, margins, and balance sheet durability.
Earnings Call
Read management commentary and compare it with reported outcomes.
Dividends
Check payout sustainability and long-term distribution behavior.
Analyst Expectations
Review consensus spread and where estimate risk is concentrated.