Camden National Corporation

Camden National Corporation

CAC
Camden National CorporationUS flagNASDAQ Global Select
48.75
USD
-1.61
- -
824.59MMarket Cap
2013 Y
2014 Y
2015 Y
2016 Y
2017 Y
2018 Y
2019 Y
2020 Y
2021 Y
2022 Y
2023 Y
2024 Y
2025 Y
TTM
Revenue per Share
8.59
8.85
9.31
9.66
9.75
9.98
10.75
12.19
12.24
12.5
10.74
11.82
14.69
14.95
Basic EPS, GAAP
1.98
2.19
1.74
2.59
1.83
3.4
3.69
3.96
4.62
4.18
2.98
3.63
3.86
4.72
Free Cash Flow per Basic Share
2.47
2.56
1.06
3.61
3.58
3.81
1.85
1.02
9.43
7.01
4.46
3.79
3.44
4.57
Dividend per Share
0.71
0.72
0.81
0.8
0.92
1.1
1.2
1.32
1.41
1.6
1.69
1.68
1.68
1.69
Book Value per Share
21.26
22.68
31.2
26.29
27.31
29.56
31.03
33.86
36.65
39.27
40.98
42.86
45.03
45.84
Tangible Book Value per Share
15.87
17.62
21.52
18.81
19.59
21.64
24.27
28.74
29.75
24.15
27.43
29.87
29.73
30.61
Basic Weighted Avg Shares
11
11
12
15
16
16
15
15
15
15
15
15
17
17
Sales/Revenue/Turnover
98
99
112
149
151
155
166
183
183
184
156
173
248
253
Operating Margin (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Depreciation Expense
4
4
5
6
6
4
5
5
4
4
4
4
11
11
Net Income, GAAP
23
25
21
40
28
53
57
59
69
61
43
53
65
80
Effective Tax Rate (%)
34.75
31.77
32.1
30.37
54.33
19.32
20.08
20.04
20.34
20.26
19.42
19.03
17.16
20.73
Profit Margin (%)
23.15
24.84
18.71
26.91
18.84
34.15
34.43
32.5
37.74
33.43
27.75
30.71
26.24
31.55
Working Capital
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
LT Debt
101
101
89
70
70
71
69
84
44
44
44
44
63
63
Total Equity
231
245
363
392
403
436
473
529
541
451
495
531
697
710
Return on Invested Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Common Equity (%)
9.58
9.86
6.64
10.21
6.84
11.98
12.15
12.04
13.07
10.92
7.39
8.67
9.4
10.65

Capital Structure

FRC

in mil. unless spec.
Sep'25
Dec'25
Mar'26
ST Debt
494
327
250
LT Borrowings
62
63
63
LT Finance Leases
- -
- -
- -
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
17
17
17
Market Capitalization
629
732
802

Working Capital

FRC

in mil. unless spec.
Sep'25
Dec'25
Mar'26
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
967
1,007
1,016
Accounts Receivable, Net
- -
- -
- -
Inventories
- -
- -
- -
Total Current Liabilities
- -
- -
- -
Payables & Accruals
- -
- -
- -
ST Debt
494
327
250
Deferred Revenue
- -
- -
- -

Growth Rates

FRC

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
7.31%
6.75%
31.12%
Free Cash Flow
99.31%
149.4%
5.14%
Net Income, GAAP
18.12%
4.15%
22.93%
Sales/Revenue/Turnover
9.41%
7.94%
43.84%
Total Cash Common Dividend
11.58%
7.63%
15.94%

Quarterly Revenue

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
41
42
44
46
173
2025
58
61
63
66
248
2026
63
- -
- -
- -
- -

Quarterly Earnings Per Share

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
0.91
0.82
0.9
1.01
3.63
2025
0.43
0.83
1.25
1.34
3.86
2026
1.29
- -
- -
- -
- -

Quarterly Dividends Per Share

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
0.42
0.42
0.42
0.42
1.68
2025
0.42
0.42
0.42
0.42
1.68
2026
0.42
- -
- -
- -
- -

Company Description

APIChat
CEO
Simon R. Griffiths
Full Time Employees
586
Sector
Financial Services
Industry
Banks - Regional
Address
2 Elm Street Camden ME United States of America 04843
IPO Date
Oct 8, 1997
Business
Camden National Corporation operates as the bank holding company for Camden National Bank, a full-service community bank primarily engaged in providing commercial and consumer banking products and services. The company’s core offerings include commercial loans and financing solutions; tiered business checking and interest-bearing accounts; treasury management services; merchant services; retirement and 401(k) solutions; as well as wealth management, investment management, and trust services for both individuals and institutions. Camden National serves customers primarily in Maine and New Hampshire through a network of 73 branches and a comprehensive digital banking platform that supports online and mobile banking capabilities. The company also provides tailored financing packages such as commercial real estate loans, succession and acquisition financing, and capital investment loans targeted at businesses of all sizes. Founded in 1875 and headquartered in Camden, Maine, Camden National Corporation operates within the financial services industry, focusing on community banking in northern New England. The company emphasizes an omnichannel customer experience that integrates traditional local banking relationships with advanced digital banking technologies. In 2025, Camden National successfully completed the merger with Northway Financial, Inc., the holding company for Northway Bank, expanding its asset base to approximately $7.0 billion and increasing its branch network, thereby significantly enhancing its presence in New Hampshire. This all-stock transaction, closed in January 2025, was valued around $86.6 million and has allowed Camden National to leverage technology investments and broaden its customer base. Integration of Northway’s systems was completed by mid-March 2025, achieving cost savings and operational efficiencies as part of strategic expansion. Recent strategic initiatives include the full deployment of a new online account opening platform to streamline deposit processes and support market growth. Additionally, Camden National partnered with Spiral to introduce digital financial wellness tools, enabling customers to round up debit card transactions for savings or charitable donations via a "Giving Center" integrated into its digital banking platform. These enhancements reflect Camden National’s focus on innovation, customer engagement, and community impact, supporting its long-term strategy of deepening customer relationships through advice-driven service combined with technological advancement. The corporation continues to emphasize sustainable growth, cost management, and investment in data and technology-driven operational improvements. Overall, Camden National Corporation stands as a leading regional banking institution specializing in community and commercial banking services with broad geographic reach in northern New England, strengthened by recent mergers and technological innovations aimed at advancing its competitive position and service capabilities.

Company News

APIChat
  • DAX, CAC and MIB Forecasts – European Indices Looking Ready to Fight Back

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  • Camden National (CAC) Beats Q1 Earnings Estimates

  • Camden National Corporation Delivers Solid First Quarter 2026 Results with Net Income of $21.9 Million and Diluted EPS of $1.29

  • CAC 40, FTSE 100 and SMI 20 Forecasts – Euro Area Indices Trying to Bounce on Tuesday

  • DAX, CAC and FTSE Forecasts – European Area Indices Hesitate but Show Signs of Dip Buying

  • Camden National Bank Reinforces Commitment to Communities with Appointment of Jennifer Tyll as Community Reinvestment Officer

  • Analyzing Camden National (NASDAQ:CAC) & Freedom Financial (OTCMKTS:FDVA)

  • Camden National Corporation to Announce Quarter Ended March 31, 2026 Financial Results on April 28, 2026

  • Camden National Corporation Announces its First Quarter 2026 Dividend

  • Camden National Corporation (NASDAQ:CAC) Receives $49.00 Average Target Price from Analysts

  • Comparing Camden National (NASDAQ:CAC) & Town and Country Financial (OTCMKTS:TWCF)

  • Camden National Bank Strengthens New Hampshire Commercial Banking Presence with Strategic Hires

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  • NewYear Barron's Pro-Picks: 2 IDEAL January DiviDogs

  • Camden National (NASDAQ:CAC) Sets New 12-Month High After Earnings Beat

  • Camden National Corporation (CAC) Q4 2025 Earnings Call Transcript