CAC Stock Analysis: Camden National | NASDAQ
Banks - Regional | NASDAQ, USA | Market Cap: 979m USD | 12M Return: 56% | US1330341082 | Charts, Fundamentals & Technical Analysis
Avg Turnover: 4.96M
EPS Trend: 93.4%
Qual. Beats: 0
Rev. Trend: 94.4%
Qual. Beats: 0
Warnings
No concerns identified
Tailwinds
Seasonality 11.9 years of data, until 10/2026
How good or bad each month usually is (without trend). The score below shows how much you can trust it: 0 = pure chance, ≥40 worth a closer look and ≥60 is strong.
Camden National Corporation (NASDAQ: CAC) is the bank holding company for Camden National Bank, founded in 1875 and headquartered in Camden, Maine. The company provides a full suite of commercial and consumer banking products-including checking, savings, time, and brokered deposits (such as CDARS)-alongside a diverse loan portfolio spanning non-owner-occupied and owner-occupied commercial real estate, commercial, residential, and consumer/home equity lending. Beyond traditional banking, Camden National offers brokerage, insurance, wealth management, and fiduciary services, serving consumer, institutional, municipal, non-profit, and commercial customers across the United States.
As a regional bank operating under the GICS Financials sector, Camden National follows a community banking model that combines core deposit gathering and relationship-based lending with fee-generating wealth and insurance services-a hybrid approach common among mid-sized U.S. regional banks seeking to diversify revenue beyond net interest income.
- Net interest margin compresses as deposit costs rise
- Commercial real estate loan losses pressure credit costs
- Wealth management fees diversify revenue beyond core banking
| Net Income: 90.3m TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.01 > 0.02 and ΔFCF/TA 0.27 > 1.0 |
| NWC/Revenue: -1.32k% < 20% (prev -1.49k%; Δ 173.2% < -1%) |
| CFO/TA 0.02 > 3% & CFO 106.4m > Net Income 90.3m |
| Net Debt (-1.19b) to EBITDA (102.5m): -11.62 < 3 |
| Current Ratio: 0.26 > 1.5 & < 3 |
| Outstanding Shares: last quarter (17.0m) vs 12m ago -0.43% < -2% |
| Gross Margin: 69.14% > 18% (prev 60.20%; Δ 8.93% > 0.5%) |
| Asset Turnover: 4.95% > 50% (prev 4.95%; Δ 0.00% > 0%) |
| Interest Coverage Ratio: 0.87 > 6 (EBIT TTM 91.4m / Interest Expense TTM 105.3m) |
| A: -0.65 (Total Current Assets 1.57b - Total Current Liabilities 6.16b) / Total Assets 7.05b |
| B: 0.08 (Retained Earnings 591.5m / Total Assets 7.05b) |
| C: 0.01 (EBIT TTM 91.4m / Avg Total Assets 7.02b) |
| D: 0.11 (Book Value of Equity 720.6m / Total Liabilities 6.33b) |
| Altman-Z'' = -3.79 = D |
As of November 12, 2026, the stock is trading at USD 59.21 with a total of 84,805 shares traded. Over the past week, the price has changed by -0.59%, over one month by +6.48%, over three months by +2.70% and over the past year by +56.04%.
Current recommended Stop Loss: 57.10 (which is 3.6% or 1.3 ATR below the current price).
Camden National has received a consensus analysts rating of 3.20. Therefore, it is recommended to hold CAC.
- StrongBuy: 0
- Buy: 1
- Hold: 4
- Sell: 0
- StrongSell: 0
| Analysts Target Price | 60.2 | 1.7% |
P/E Trailing = 10.9077
P/E Forward = 10.8932
P/S = 3.7308
P/B = 1.3966
Revenue TTM = 347.3m USD
EBIT TTM = 91.4m USD
EBITDA TTM = 102.5m USD
Long Term Debt = 62.5m USD (from longTermDebt, last fiscal year)
Short Term Debt = 311.7m USD (from shortTermDebt, last quarter)
Debt = 374.4m USD (from shortLongTermDebtTotal, last quarter)
Net Debt = -1.19b USD (calculated: Debt 374.4m - CCE 1.57b)
Enterprise Value = 978.7m USD (floored to Market Cap, CCE > MCap+Debt)
Interest Coverage Ratio = 0.87 (Ebit TTM 91.4m / Interest Expense TTM 105.3m)
EV/FCF = 9.75x (Enterprise Value 978.7m / FCF TTM 100.4m)
FCF Yield = 10.26% (FCF TTM 100.4m / Enterprise Value 978.7m)
FCF Margin = 28.91% (FCF TTM 100.4m / Revenue TTM 347.3m)
Net Margin = 26.00% (Net Income TTM 90.3m / Revenue TTM 347.3m)
Gross Margin = 69.14% ((Revenue TTM 347.3m - Cost of Revenue TTM 107.2m) / Revenue TTM)
Gross Margin QoQ = 71.21% (prev 67.02%)
Tobins Q-Ratio = 0.14 (Enterprise Value 978.7m / Total Assets 7.05b)
Interest Expense / Debt = 28.12% (Interest Expense 105.3m / Debt 374.4m)
Taxrate = 21.44% (24.6m / 114.9m)
NOPAT = 71.8m (EBIT 91.4m * (1 - 21.44%))
Current Ratio = 0.26 (Total Current Assets 1.57b / Total Current Liabilities 6.16b)
Debt / Equity = 0.52 (Debt 374.4m / totalStockholderEquity, last quarter 720.6m)
Debt / EBITDA = -11.62 (Net Debt -1.19b / EBITDA 102.5m)
Debt / FCF = -11.87 (Net Debt -1.19b / FCF TTM 100.4m)
Total Stockholder Equity = 713.3m (last 4 quarters mean from totalStockholderEquity)
RoA = 1.29% (Net Income 90.3m / Total Assets 7.05b)
RoE = 12.66% (Net Income TTM 90.3m / Total Stockholder Equity 713.3m)
RoCE = 11.79% (EBIT 91.4m / Capital Employed (Equity 713.3m + L.T.Debt 62.5m))
RoIC = 6.06% (NOPAT 71.8m / Invested Capital 1.19b)
WACC = 11.36% (E(978.7m)/V(1.35b) * Re(7.25%) + D(374.4m)/V(1.35b) * Rd(28.12%) * (1-Tc(0.21)))
Discount Rate = 7.25% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: 78.36 | Cagr: 6.74%
[DCF] Terminal Value 68.88% ; FCFF base≈92.4m ; Y1≈105.9m ; Y5≈155.9m
[DCF] Fair Price = 161.0 (EV 1.53b - Net Debt -1.19b = Equity 2.72b / Shares 16.9m; r=11.36% [WACC]; 5y FCF grow 15.0% → 2.50% )
EPS Correlation: 93.38 | EPS CAGR: 17.72% | SUE: 0.18 | # QB: 0
Revenue Correlation: 94.43 | Revenue CAGR: 15.22% | SUE: 0.62 | # QB: 0
EPS current Quarter (2027-03-31): EPS=1.33 | Chg30d=-0.45% | Revisions=+40% | Analysts=5
EPS current Year (2026-12-31): EPS=5.35 | Chg30d=-0.67% | Revisions=-40% | GrowthEPS=+21.9% | GrowthRev=+5.2%
EPS next Year (2027-12-31): EPS=5.69 | Chg30d=-0.84% | Revisions=+17% | GrowthEPS=+6.4% | GrowthRev=+4.8%
[Analyst] Revisions Ratio: +10% (up=4, down=3)