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Financial Services - Banks - Regional - NASDAQ - US
$ 39.145
-0.515 %
$ 662 M
Market Cap
12.3
P/E
1. INTRINSIC VALUE

This DCF valuation model was last updated on Jun, 6, 2025.

The intrinsic value of one CAC stock under the worst case scenario is HIDDEN Compared to the current market price of 39.1 USD, Camden National Corporation is HIDDEN

This DCF valuation model was last updated on Jun, 6, 2025.

The intrinsic value of one CAC stock under the base case scenario is HIDDEN Compared to the current market price of 39.1 USD, Camden National Corporation is HIDDEN

This DCF valuation model was last updated on Jun, 6, 2025.

The intrinsic value of one CAC stock under the best case scenario is HIDDEN Compared to the current market price of 39.1 USD, Camden National Corporation is HIDDEN

2. FUNDAMENTAL ANALYSIS

Price Chart CAC

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$46.0$46.0$44.0$44.0$42.0$42.0$40.0$40.0$38.0$38.0$36.0$36.0$34.0$34.015 Dec15 DecJan '25Jan '2515 Jan15 JanFeb '25Feb '2515 Feb15 FebMar '25Mar '2515 Mar15 MarApr '25Apr '2515 Apr15 AprMay '25May '2515 May15 MayJun '25Jun '25
FINANCIALS
173 M REVENUE
7.08%
66.6 M OPERATING INCOME
23.74%
53 M NET INCOME
22.18%
59.5 M OPERATING CASH FLOW
-11.91%
30.3 M INVESTING CASH FLOW
531.48%
23.9 M FINANCING CASH FLOW
166.19%
87.9 M REVENUE
38.45%
6.17 M OPERATING INCOME
-66.45%
7.33 M NET INCOME
-50.05%
1.03 M OPERATING CASH FLOW
-97.53%
62 M INVESTING CASH FLOW
1844.54%
-58.5 M FINANCING CASH FLOW
-163.48%
Balance Sheet Camden National Corporation
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Current Assets 656 M
Cash & Short-Term Investments 793 M
Receivables 0
Other Current Assets -137 M
Non-Current Assets 172 M
Long-Term Investments 0
PP&E 37.1 M
Other Non-Current Assets 135 M
95.71 %4.47 %16.32 %Total Assets$828.3m
Current Liabilities 5.13 B
Accounts Payable 0
Short-Term Debt 325 M
Other Current Liabilities 4.81 B
Non-Current Liabilities 4.77 B
Long-Term Debt 44.3 M
Other Non-Current Liabilities 4.73 B
3.28 %48.54 %47.73 %Total Liabilities$9.9b
EFFICIENCY
Earnings Waterfall Camden National Corporation
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Revenue 173 M
Cost Of Revenue 118 M
Gross Profit 173 M
Operating Expenses 3.58 M
Operating Income 66.6 M
Other Expenses 13.6 M
Net Income 53 M
180m180m160m160m140m140m120m120m100m100m80m80m60m60m40m40m20m20m00173m(118m)173m(4m)67m(14m)53mRevenueRevenueCost Of RevenueCost Of RevenueGross ProfitGross ProfitOperating ExpensesOperating ExpensesOperating IncomeOperating IncomeOther ExpensesOther ExpensesNet IncomeNet Income
RATIOS
100.00% GROSS MARGIN
100.00%
38.59% OPERATING MARGIN
38.59%
30.71% NET MARGIN
30.71%
9.98% ROE
9.98%
0.91% ROA
0.91%
-1.36% ROIC
-1.36%
FREE CASH FLOW ANALYSIS
Free Cash Flow Analysis Camden National Corporation
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160m160m140m140m120m120m100m100m80m80m60m60m40m40m20m20m0020162016201720172018201820192019202020202021202120222022202320232024202420252025
Net Income 53 M
Depreciation & Amortization 3.87 M
Capital Expenditures -5.58 M
Stock-Based Compensation 0
Change in Working Capital 349 K
Others 6.46 M
Free Cash Flow 55.4 M
3. WALL STREET ANALYSTS ESTIMATES
Wall Street Analysts Price Targets Camden National Corporation
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Wall Street analysts predict an average 1-year price target for CAC of $41 , with forecasts ranging from a low of $41 to a high of $41 .
CAC Lowest Price Target Wall Street Target
41 USD 4.74%
CAC Average Price Target Wall Street Target
41 USD 4.74%
CAC Highest Price Target Wall Street Target
41 USD 4.74%
Price
Max Price Target
Min Price Target
Average Price Target
505048484646444442424040383836363434323230302828Jul '24Jul '24Aug '24Aug '24Oct '24Oct '24Nov '24Nov '2420252025Feb '25Feb '25Apr '25Apr '25Jun '25Jun '25Jul '25Jul '25Aug '25Aug '25Oct '25Oct '25Nov '25Nov '2520262026Feb '26Feb '26Apr '26Apr '26Jun '26Jun '26
4. DIVIDEND ANALYSIS
1.03% DIVIDEND YIELD
0.42 USD DIVIDEND PER SHARE
Q1
Q2
Q3
Q4
1.801.801.601.601.401.401.201.201.001.000.800.800.600.600.400.400.200.200.000.000.20.20.230.250.30.330.330.40.420.420.420.20.20.230.250.30.330.360.40.420.420.420.20.20.230.30.30.330.360.40.420.420.20.800.20.800.230.920.31.100.31.200.331.320.361.410.41.600.421.680.421.680.842015201520162016201720172018201820192019202020202021202120222022202320232024202420252025
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5. COMPETITION
slide 2 of 16
6. Ownership
Insider Ownership Camden National Corporation
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Sold
0-3 MONTHS
0 USD 0
3-6 MONTHS
22 K USD 1
6-9 MONTHS
0 USD 0
9-12 MONTHS
0 USD 0
Bought
4.11 K USD 1
0-3 MONTHS
0 USD 0
3-6 MONTHS
0 USD 0
6-9 MONTHS
0 USD 0
9-12 MONTHS
7. News
All You Need to Know About Camden National (CAC) Rating Upgrade to Buy Camden National (CAC) might move higher on growing optimism about its earnings prospects, which is reflected by its upgrade to a Zacks Rank #2 (Buy). zacks.com - 1 month ago
Does Camden National (CAC) Have the Potential to Rally 27.67% as Wall Street Analysts Expect? The mean of analysts' price targets for Camden National (CAC) points to a 27.7% upside in the stock. While this highly sought-after metric has not proven reasonably effective, strong agreement among analysts in raising earnings estimates does indicate an upside in the stock. zacks.com - 1 month ago
Camden National Corporation (CAC) Q1 2025 Earnings Call Transcript Camden National Corporation (NASDAQ:CAC ) Q1 2025 Earnings Conference Call May 6, 2025 2:00 PM ET Company Participants Renée Smyth - Executive Vice President, Chief Experience and Marketing Officer Simon Griffiths - President and CEO Mike Archer - Executive Vice President and CFO Conference Call Participants Steve Moss - Raymond James Matthew Breese - Stephens Damon DelMonte - KBW Operator Good day. And welcome to Camden National Corporation's First Quarter 2025 Earnings Conference Call. seekingalpha.com - 1 month ago
Camden National (CAC) Q1 Earnings: Taking a Look at Key Metrics Versus Estimates Although the revenue and EPS for Camden National (CAC) give a sense of how its business performed in the quarter ended March 2025, it might be worth considering how some key metrics compare with Wall Street estimates and the year-ago numbers. zacks.com - 1 month ago
Camden National (CAC) Misses Q1 Earnings Estimates Camden National (CAC) came out with quarterly earnings of $0.95 per share, missing the Zacks Consensus Estimate of $0.99 per share. This compares to earnings of $0.86 per share a year ago. zacks.com - 1 month ago
Camden National Corporation Reports First Quarter 2025 Earnings Camden National Reaches $7.0 Billion in Total Assets as it Successfully Completes the Acquisition of Northway Financial, Inc. in the First Quarter CAMDEN, Maine , May 6, 2025 /PRNewswire/ -- Camden National Corporation (NASDAQ: CAC; "Camden National" or the "Company") reported earnings for the quarter ended March 31, 2025 of $7.3 million and diluted earnings per share ("EPS") of $0.43. Reported earnings include the effects of the acquisition of Northway Financial, Inc. ("Northway") and its subsidiary, Northway Bank, that was completed on January 2, 2025, in an all-stock transaction through the issuance of 2.3 million shares of Camden National common stock. prnewswire.com - 1 month ago
Camden National Corporation: Modest, Undervalued, And Ready To Impress Camden National Corporation is set to report Q1 earnings on May 6, with expectations of strong performance following its Northway Bank merger. Camden's conservative approach to deposits and lending, coupled with solid fundamentals, positions it well despite a challenging macroeconomic backdrop. Trading at just 8.5x forward earnings with a 4.5% dividend yield, Camden is undervalued, offering strong capital metrics and profitability. seekingalpha.com - 1 month ago
Camden National Corporation to Announce Quarter Ended March 31, 2025 Financial Results on May 6, 2025 CAMDEN, Maine , April 11, 2025 /PRNewswire/ -- Camden National Corporation (NASDAQ: CAC) will report financial and operating results for the quarter ended March 31, 2025 on Tuesday, May 6, 2025, which will include its recent acquisition of Northway Financial, Inc. that was completed on January 2, 2025. A conference call and webcast will be held at 2:00 p.m. prnewswire.com - 2 months ago
Strength Seen in Camden National (CAC): Can Its 5.1% Jump Turn into More Strength? Camden National (CAC) was a big mover last session on higher-than-average trading volume. The latest trend in earnings estimate revisions might not help the stock continue moving higher in the near term. zacks.com - 2 months ago
Camden National: Anticipate Strong Growth For This Regional Bank Camden National Corporation's strong financial history and low loan losses make its current share price appealing, especially with an EPS estimate of $5/share for FY 2026. The acquisition of Northway Bank expands Camden's reach into New Hampshire, with minimal impact on the loan book and promising cost savings. Camden's robust loan book, with limited past-due loans, supports its ability to maintain low loan loss provisions and strong financial performance. seekingalpha.com - 2 months ago
Camden National Corporation Announces its First Quarter 2025 Dividend CAMDEN, Maine , March 25, 2025 /PRNewswire/ -- Simon R. Griffiths, President and Chief Executive Officer of Camden National Corporation (NASDAQ: CAC; the "Company"), announced today that the board of directors of the Company declared a quarterly dividend of $0.42 per share. prnewswire.com - 2 months ago
Bears are Losing Control Over Camden National (CAC), Here's Why It's a 'Buy' Now Camden National (CAC) appears to have found support after losing some value lately, as indicated by the formation of a hammer chart. In addition to this technical chart pattern, strong agreement among Wall Street analysts in revising earnings estimates higher enhances the stock's potential for a turnaround in the near term. zacks.com - 3 months ago
8. Profile Summary

Camden National Corporation CAC

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COUNTRY US
INDUSTRY Banks - Regional
MARKET CAP $ 662 M
Dividend Yield 1.03%
Description 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.
Contact 2 Elm Street, Camden, ME, 04843 https://www.camdennational.com
IPO Date Oct. 8, 1997
Employees 586
Officers Mr. Ryan A. Smith Chief Credit Officer & Executive Vice President Ms. Carolyn Carson-Crosby Senior Vice President of Employee Relations and Engagement Manager Mr. Timothy P. Nightingale Executive Vice President & Chief Credit Officer Mr. Simon R. Griffiths Chief Executive Officer, President & Director Mr. Michael R. Archer CPA Executive Vice President & Chief Financial Officer Mr. William H. Martel Executive Vice President of Technology & Support Services and Chief Technology Officer Ms. Renée D. Smyth Executive Vice President and Chief Experience & Marketing Officer Ms. Patricia A. Rose Executive Vice President of Retail & Mortgage Banking Mr. Brandon Boey General Counsel & Corporate Secretary Mr. Andrew R. Forbes Executive Vice President & Chief Human Resources Officer