(CAC) Camden National - Overview
Sector: Financial Services | Industry: Banks - Regional | Exchange: NASDAQ (USA) | Market Cap: 801m USD | Total Return: 29.4% in 12m
Avg Turnover: 4.67M
EPS Trend: 72.9%
Qual. Beats: 0
Rev. Trend: 99.0%
Qual. Beats: 0
Warnings
No concerns identified
Tailwinds
No distinct edge detected
Camden National Corporation (CAC) is a regional bank holding company headquartered in Maine, providing a full suite of commercial and consumer banking services. Its operations include deposit gathering through checking, savings, and time accounts, alongside a lending portfolio focused on commercial real estate, residential mortgages, and home equity loans. Beyond traditional banking, the firm maintains diversified revenue streams through fiduciary services, wealth management, and insurance brokerage.
The regional banking sector typically relies on the net interest margin, which is the spread between interest earned on loans and interest paid on deposits. As a community-focused institution founded in 1875, CAC utilizes a relationship-based business model to secure low-cost core deposits from municipal and non-profit clients.
Investors can further evaluate the companys valuation metrics and dividend history by visiting ValueRay. Since regional banks are highly sensitive to interest rate cycles and local economic conditions in the Northeast, monitoring asset quality remains critical for long-term analysis.
- Net interest margin sensitivity to Federal Reserve benchmark rate fluctuations
- Commercial real estate loan concentration influences credit loss reserve levels
- Residential mortgage origination volume driven by New England housing market trends
- Wealth management fee income growth offsets cyclical lending revenue volatility
- Non-interest expense management impacts efficiency ratio and bottom-line profitability
| Net Income: 79.7m TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.01 > 0.02 and ΔFCF/TA 0.57 > 1.0 |
| NWC/Revenue: -121.0% < 20% (prev -1.67k%; Δ 1.55k% < -1%) |
| CFO/TA 0.01 > 3% & CFO 82.9m > Net Income 79.7m |
| Net Debt (540.3m) to EBITDA (87.9m): 6.15 < 3 |
| Current Ratio: 0.16 > 1.5 & < 3 |
| Outstanding Shares: last quarter (17.0m) vs 12m ago -0.43% < -2% |
| Gross Margin: 65.41% > 18% (prev 0.58%; Δ 6.48k% > 0.5%) |
| Asset Turnover: 5.14% > 50% (prev 4.41%; Δ 0.72% > 0%) |
| Interest Coverage Ratio: 0.70 > 6 (EBITDA TTM 87.9m / Interest Expense TTM 113.9m) |
| A: -0.06 (Total Current Assets 82.5m - Total Current Liabilities 515.3m) / Total Assets 6.96b |
| B: 0.08 (Retained Earnings 559.9m / Total Assets 6.96b) |
| C: 0.01 (EBIT TTM 79.6m / Avg Total Assets 6.96b) |
| D: 0.11 (Book Value of Equity 710.0m / Total Liabilities 6.25b) |
| Altman-Z'' = 0.05 = B |
As of May 24, 2026, the stock is trading at USD 49.42 with a total of 99,976 shares traded.
Over the past week, the price has changed by +4.18%,
over one month by -0.12%,
over three months by +5.92% and
over the past year by +29.41%.
Camden National has received a consensus analysts rating of 3.25. Therefore, it is recommended to hold CAC.
- StrongBuy: 0
- Buy: 1
- Hold: 3
- Sell: 0
- StrongSell: 0
| Analysts Target Price | 52.8 | 6.7% |
P/E Forward = 10.2459
P/S = 3.2465
P/B = 1.1735
Revenue TTM = 357.8m USD
EBIT TTM = 79.6m USD
EBITDA TTM = 87.9m USD
Long Term Debt = 62.5m USD (from longTermDebt, last fiscal year)
Short Term Debt = 515.3m USD (from shortTermDebt, last quarter)
Debt = 602.7m USD (from shortLongTermDebtTotal, last quarter)
Net Debt = 540.3m USD (calculated: Debt 602.7m - CCE 62.5m)
Enterprise Value = 1.34b USD (800.7m + Debt 602.7m - CCE 62.5m)
Interest Coverage Ratio = 0.70 (Ebit TTM 79.6m / Interest Expense TTM 113.9m)
EV/FCF = 17.38x (Enterprise Value 1.34b / FCF TTM 77.2m)
FCF Yield = 5.75% (FCF TTM 77.2m / Enterprise Value 1.34b)
FCF Margin = 21.56% (FCF TTM 77.2m / Revenue TTM 357.8m)
Net Margin = 22.28% (Net Income TTM 79.7m / Revenue TTM 357.8m)
Gross Margin = 65.41% ((Revenue TTM 357.8m - Cost of Revenue TTM 123.8m) / Revenue TTM)
Gross Margin QoQ = 66.81% (prev 70.76%)
Tobins Q-Ratio = 0.19 (Enterprise Value 1.34b / Total Assets 6.96b)
Interest Expense / Debt = 18.89% (Interest Expense 113.9m / Debt 602.7m)
Taxrate = 22.06% (6.19m / 28.1m)
NOPAT = 62.0m (EBIT 79.6m * (1 - 22.06%))
Current Ratio = 0.16 (Total Current Assets 82.5m / Total Current Liabilities 515.3m)
Debt / Equity = 0.85 (Debt 602.7m / totalStockholderEquity, last quarter 710.0m)
Debt / EBITDA = 6.15 (Net Debt 540.3m / EBITDA 87.9m)
Debt / FCF = 7.00 (Net Debt 540.3m / FCF TTM 77.2m)
Total Stockholder Equity = 683.8m (last 4 quarters mean from totalStockholderEquity)
RoA = 1.14% (Net Income 79.7m / Total Assets 6.96b)
RoE = 11.66% (Net Income TTM 79.7m / Total Stockholder Equity 683.8m)
RoCE = 10.66% (EBIT 79.6m / Capital Employed (Equity 683.8m + L.T.Debt 62.5m))
RoIC = 0.90% (NOPAT 62.0m / Invested Capital 6.90b)
WACC = 11.53% (E(800.7m)/V(1.40b) * Re(9.13%) + D(602.7m)/V(1.40b) * Rd(18.89%) * (1-Tc(0.22)))
Discount Rate = 9.13% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: 55.21 | Cagr: 6.86%
[DCF] Terminal Value 68.39% ; FCFF base≈61.3m ; Y1≈70.2m ; Y5≈103.4m
[DCF] Fair Price = 26.80 (EV 993.6m - Net Debt 540.3m = Equity 453.4m / Shares 16.9m; r=11.53% [WACC]; 5y FCF grow 15.0% → 2.50% )
EPS Correlation: 72.94 | EPS CAGR: 8.25% | SUE: 0.32 | # QB: 0
Revenue Correlation: 98.97 | Revenue CAGR: 18.43% | SUE: 0.33 | # QB: 0
EPS current Quarter (2026-06-30): EPS=1.29 | Chg30d=-3.56% | Revisions=-50% | Analysts=4
EPS next Quarter (2026-09-30): EPS=1.35 | Chg30d=-1.81% | Revisions=-25% | Analysts=4
EPS current Year (2026-12-31): EPS=5.36 | Chg30d=-0.97% | Revisions=-33% | GrowthEPS=+22.1% | GrowthRev=+6.1%
EPS next Year (2027-12-31): EPS=5.83 | Chg30d=-0.94% | Revisions=+0% | GrowthEPS=+8.7% | GrowthRev=+8.4%
[Analyst] Revisions Ratio: -50%