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Camden National Corporation CAC
Financial Services - Banks - Regional - NASDAQ - US
Watchlist
$ 36.66
-1.37 %
$ 620 M
Market Cap
11.6
P/E
1. INTRINSIC VALUE

This DCF valuation model was last updated on Aug, 5, 2025.

The intrinsic value of one CAC stock under the worst case scenario is HIDDEN Compared to the current market price of 36.7 USD, Camden National Corporation is HIDDEN

CAC Intrinsic Value
HIDDEN
SHOW

This DCF valuation model was last updated on Aug, 5, 2025.

The intrinsic value of one CAC stock under the base case scenario is HIDDEN Compared to the current market price of 36.7 USD, Camden National Corporation is HIDDEN

CAC Intrinsic Value
HIDDEN
SHOW

This DCF valuation model was last updated on Aug, 5, 2025.

The intrinsic value of one CAC stock under the best case scenario is HIDDEN Compared to the current market price of 36.7 USD, Camden National Corporation is HIDDEN

CAC Intrinsic Value
HIDDEN
SHOW
2. FUNDAMENTAL ANALYSIS

Price Chart CAC

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1M -17%
6M -19%
1Y 4%
3Y -9%
5Y 34%
All
$45.0$45.0$44.0$44.0$43.0$43.0$42.0$42.0$41.0$41.0$40.0$40.0$39.0$39.0$38.0$38.0$37.0$37.0$36.0$36.0$35.0$35.015 Feb15 FebMar '25Mar '2515 Mar15 MarApr '25Apr '2515 Apr15 AprMay '25May '2515 May15 MayJun '25Jun '2515 Jun15 JunJul '25Jul '2515 Jul15 JulAug '25Aug '25
FINANCIALS
290 M REVENUE
15.74%
Growth Rates
1Year 15.74%
3Years 14.32%
5Years 6.95%
7Years 7.74%
10Years 10.07%
65.5 M OPERATING INCOME
21.59%
Growth Rates
1Year 21.59%
3Years -8.92%
5Years -1.77%
7Years 0.70%
10Years 6.16%
53 M NET INCOME
22.18%
Growth Rates
1Year 22.18%
3Years -8.42%
5Years -1.51%
7Years 9.28%
10Years 7.99%
60.9 M OPERATING CASH FLOW
-9.74%
Growth Rates
1Year -9.74%
3Years -24.70%
5Years 13.14%
7Years 0.62%
10Years 7.38%
30.3 M INVESTING CASH FLOW
531.48%
Growth Rates
1Year 531.48%
3Years 26.97%
5Years 20.52%
7Years 11.50%
10Years 8.09%
23.9 M FINANCING CASH FLOW
166.19%
Growth Rates
1Year 166.19%
3Years -65.49%
5Years -5.44%
7Years -24.38%
10Years -16.79%
69.8 M REVENUE
-20.57%
Growth Rates
1Year 15.74%
3Years 14.32%
5Years 6.95%
7Years 7.74%
10Years 10.07%
-6.17 M OPERATING INCOME
-100.00%
Growth Rates
1Year 21.59%
3Years -8.92%
5Years -1.77%
7Years 0.70%
10Years 6.16%
7.33 M NET INCOME
-50.05%
Growth Rates
1Year 22.18%
3Years -8.42%
5Years -1.51%
7Years 9.28%
10Years 7.99%
1.03 M OPERATING CASH FLOW
-97.61%
Growth Rates
1Year -9.74%
3Years -24.70%
5Years 13.14%
7Years 0.62%
10Years 7.38%
62 M INVESTING CASH FLOW
1844.54%
Growth Rates
1Year 531.48%
3Years 26.97%
5Years 20.52%
7Years 11.50%
10Years 8.09%
-58.5 M FINANCING CASH FLOW
-163.48%
Growth Rates
1Year 166.19%
3Years -65.49%
5Years -5.44%
7Years -24.38%
10Years -16.79%
Balance Sheet Camden National Corporation
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Current Assets 788 M
Cash & Short-Term Investments 793 M
Receivables 0
Other Current Assets -5.24 M
Non-Current Assets 5.02 B
Long-Term Investments 4.63 B
PP&E 37.1 M
Other Non-Current Assets 351 M
13.66 %79.75 %6.05 %Total Assets$5.8b
Current Liabilities 5.13 B
Accounts Payable 0
Short-Term Debt 501 M
Other Current Liabilities 4.63 B
Non-Current Liabilities 140 M
Long-Term Debt 44.3 M
Other Non-Current Liabilities 95.8 M
9.49 %87.85 %Total Liabilities$5.3b
EFFICIENCY
Earnings Waterfall Camden National Corporation
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Revenue 290 M
Cost Of Revenue 118 M
Gross Profit 172 M
Operating Expenses 107 M
Operating Income 65.5 M
Other Expenses 12.5 M
Net Income 53 M
300m300m250m250m200m200m150m150m100m100m50m50m00290m(118m)172m(107m)65m(12m)53mRevenueRevenueCost Of RevenueCost Of RevenueGross ProfitGross ProfitOperating ExpensesOperating ExpensesOperating IncomeOperating IncomeOther ExpensesOther ExpensesNet IncomeNet Income
RATIOS
59.41% GROSS MARGIN
59.41%
Averages
1Year 59.41%
3Years 69.20%
5Years 77.44%
7Years 78.43%
10Years 81.02%
22.59% OPERATING MARGIN
22.59%
Averages
1Year 22.59%
3Years 27.00%
5Years 32.43%
7Years 33.15%
10Years 32.78%
18.29% NET MARGIN
18.29%
Averages
1Year 18.29%
3Years 21.68%
5Years 25.96%
7Years 26.56%
10Years 24.35%
9.98% ROE
9.98%
Averages
1Year 9.98%
3Years 10.79%
5Years 11.27%
7Years 11.51%
10Years 10.37%
0.91% ROA
0.91%
Averages
1Year 0.91%
3Years 0.92%
5Years 1.04%
7Years 1.11%
10Years 1.01%
4.52% ROIC
4.52%
Averages
1Year 4.52%
3Years 5.61%
5Years 6.63%
7Years 6.72%
10Years 5.61%
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 2.9 M
Change in Working Capital 349 K
Others 863 K
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 11.84%
CAC Average Price Target Wall Street Target
41 USD 11.84%
CAC Highest Price Target Wall Street Target
41 USD 11.84%
Price
Max Price Target
Min Price Target
Average Price Target
505048484646444442424040383836363434Sep '24Sep '24Nov '24Nov '2420252025Feb '25Feb '25Apr '25Apr '25Jun '25Jun '25Jul '25Jul '25Aug '25Aug '25Oct '25Oct '25Nov '25Nov '2520262026Feb '26Feb '26Apr '26Apr '26Jun '26Jun '26Jul '26Jul '26
4. DIVIDEND ANALYSIS
0.00% DIVIDEND YIELD
0.42 USD DIVIDEND PER SHARE
Q1
Q2
Q3
Q4
1.801.801.601.601.401.401.201.201.001.000.800.800.600.600.400.400.200.200.000.000.20.20.230.250.30.330.330.40.420.420.420.20.20.230.250.30.330.360.40.420.420.420.20.20.230.30.30.330.360.40.420.420.420.20.800.20.800.230.920.31.100.31.200.331.320.361.410.41.600.421.680.421.681.262015201520162016201720172018201820192019202020202021202120222022202320232024202420252025
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5. COMPETITION
slide 2 of 10
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
Camden National Corporation (CAC) Q2 2025 Earnings Conference Call Transcript Camden National Corporation (NASDAQ:CAC ) Q2 2025 Earnings Call July 29, 2025 3:00 PM ET Company Participants Michael R. Archer - Executive VP & CFO Renée D. seekingalpha.com - 1 week ago
Compared to Estimates, Camden National (CAC) Q2 Earnings: A Look at Key Metrics The headline numbers for Camden National (CAC) give insight into how the company performed in the quarter ended June 2025, but it may be worthwhile to compare some of its key metrics to Wall Street estimates and the year-ago actuals. zacks.com - 1 week ago
Camden National (CAC) Lags Q2 Earnings Estimates Camden National (CAC) came out with quarterly earnings of $0.89 per share, missing the Zacks Consensus Estimate of $1.12 per share. This compares to earnings of $0.81 per share a year ago. zacks.com - 1 week ago
Camden National Corporation Reports Second Quarter 2025 Earnings Net Income of $14.1 Million and Diluted EPS of $0.83 for the Second Quarter CAMDEN, Maine , July 29, 2025 /PRNewswire/ -- Camden National Corporation (NASDAQ: CAC; "Camden National" or the "Company") reported earnings for the quarter ended June 30, 2025, of $14.1 million and diluted earnings per share ("EPS") of $0.83, increases of 92% and 93%, respectively, compared to the first quarter of 2025. "We're pleased to report strong results in our first full quarter as a unified organization following the Northway Financial acquisition," said Simon Griffiths, President and Chief Executive Officer of Camden National. prnewswire.com - 1 week ago
Camden National Corporation to Announce Quarter Ended June 30, 2025 Financial Results on July 29, 2025 CAMDEN, Maine , July 2, 2025 /PRNewswire/ -- Camden National Corporation (NASDAQ: CAC) will report financial and operating results for the quarter ended June 30, 2025 on Tuesday, July 29, 2025. A conference call and webcast will be held at 3:00 p.m. prnewswire.com - 1 month ago
Camden National Corporation Announces its Second Quarter 2025 Dividend CAMDEN, Maine , June 24, 2025 /PRNewswire/ -- Simon 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. This quarterly payout results in an annualized dividend yield of 4.23% based on the June 23, 2025, closing price of the Company's common stock at $39.72 per share as reported by NASDAQ. prnewswire.com - 1 month ago
Camden National Bank Selects Spiral to Empower Customers with Personalized Savings and Financial Wellness Tools NEW YORK--(BUSINESS WIRE)--Camden National Bank selects Spiral to empower customers with personalized savings and financial wellness tools. businesswire.com - 1 month ago
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 - 3 months 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 - 3 months 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 - 3 months 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 - 3 months 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 - 3 months ago
8. Profile Summary

Camden National Corporation CAC

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COUNTRY US
INDUSTRY Banks - Regional
MARKET CAP $ 620 M
Dividend Yield 0.00%
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