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Camden National Corp. logo

Camden National Corp.

CAC

NASDAQFinancial ServicesBanks - Regional

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Regular session

$57.1448

+$0.4748 · +0.84%

Aug 24, 11:17 AM ET

CAC company overview

Regular session · ET · Market data may be delayed.

GoAI snapshot

AI-powered factor overview

Jul 10, 2026

GoAI score

Buy

Favorable setup — positive multi-factor alignment

Valuation

92

Deep Value

Momentum

58

Neutral

Sentiment

68

Bullish

Risk resilience

76

Moderate Risk

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Thesis, catalysts, evidence, and risk analysis.

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AI-generated, informational only, and not investment advice.

Company profile

Industry
Banks - Regional
Sector
Financial Services
Headquarters
US

Market position

Day range

Current $57.1448

52-week range

Current $57.1448

Open
$56.37
Previous close
$56.67
Volume
19.03K
Market cap
966.59M USD
50-day average
$55.3172
+3.30% above average
200-day average
$48.6335
+17.50% above average

Financials

Financial snapshot

Latest / TTM

Valuation & yield

Enterprise value
1.28B USD
P/E (TTM)
10.91×
P/B (TTM)
1.34×
P/S (TTM)
2.79×
EV / EBITDA
13.95×
Earnings yield
8.92%
Free cash flow yield
7.97%
Dividend yield
2.94%

Profitability & efficiency

Gross margin
67.42%
Operating margin
25.61%
Net margin
25.61%
Return on equity
9.35%
Return on assets
0.93%
Return on invested capital
5.53%

Financial health

Debt / equity
0.79×
Current ratio
1.77×
Altman Z-score
0.23
Piotroski F-score
7 of 9

Financial statements

Margin trends

Profitability as a percentage of reported revenue.

Gross marginOperating marginNet margin
Gross, operating, and net margin trends104%72%41%9%Gross margin, FY2021: 95.95%Gross margin, FY2022: 85.83%Gross margin, FY2023: 62.35%Gross margin, FY2024: 59.41%Gross margin, FY2025: 62.78%Operating margin, FY2021: 44.68%Operating margin, FY2022: 36.88%Operating margin, FY2023: 21.51%Operating margin, FY2024: 22.59%Operating margin, FY2025: 22.22%Net margin, FY2021: 35.59%Net margin, FY2022: 29.41%Net margin, FY2023: 17.33%Net margin, FY2024: 18.29%Net margin, FY2025: 17.74%FY2021FY2022FY2023FY2024FY2025
Gross margin FY2021 95.95%. Gross margin FY2022 85.83%. Gross margin FY2023 62.35%. Gross margin FY2024 59.41%. Gross margin FY2025 62.78%. Operating margin FY2021 44.68%. Operating margin FY2022 36.88%. Operating margin FY2023 21.51%. Operating margin FY2024 22.59%. Operating margin FY2025 22.22%. Net margin FY2021 35.59%. Net margin FY2022 29.41%. Net margin FY2023 17.33%. Net margin FY2024 18.29%. Net margin FY2025 17.74%.

Income trends

Revenue

367.34M USD+26.79%

Operating income

81.62M USD+24.69%

Net income

65.16M USD+22.93%
Income trends across reported periods399.74M USD270.15M USD140.57M USD10.99M USDRevenue, FY2021: 193.91M USDRevenue, FY2022: 208.89M USDRevenue, FY2023: 250.32M USDRevenue, FY2024: 289.72M USDRevenue, FY2025: 367.34M USDOperating income, FY2021: 86.64M USDOperating income, FY2022: 77.05M USDOperating income, FY2023: 53.84M USDOperating income, FY2024: 65.46M USDOperating income, FY2025: 81.62M USDNet income, FY2021: 69.01M USDNet income, FY2022: 61.44M USDNet income, FY2023: 43.38M USDNet income, FY2024: 53M USDNet income, FY2025: 65.16M USDFY2021FY2022FY2023FY2024FY2025
Revenue FY2021 193.91M USD. Revenue FY2022 208.89M USD. Revenue FY2023 250.32M USD. Revenue FY2024 289.72M USD. Revenue FY2025 367.34M USD. Operating income FY2021 86.64M USD. Operating income FY2022 77.05M USD. Operating income FY2023 53.84M USD. Operating income FY2024 65.46M USD. Operating income FY2025 81.62M USD. Net income FY2021 69.01M USD. Net income FY2022 61.44M USD. Net income FY2023 43.38M USD. Net income FY2024 53M USD. Net income FY2025 65.16M USD.
Metric (USD)FY2025FY2024FY2023FY2022FY2021
Revenue367.34M USD289.72M USD250.32M USD208.89M USD193.91M USD
Cost of goods sold136.72M USD117.61M USD94.25M USD29.59M USD7.86M USD
Gross profit230.62M USD172.11M USD156.07M USD179.29M USD186.05M USD
Selling, general, and administrative59.72M USD64.07M USD60.01M USD62.02M USD61.01M USD
Operating expenses149M USD106.65M USD102.24M USD102.25M USD99.41M USD
Interest income320.66M USD249.56M USD226.25M USD172.79M USD148.48M USD
Interest expense117.4M USD117.1M USD93.98M USD25.09M USD11.05M USD
Depreciation and amortization9.92M USD3.87M USD3.96M USD4.12M USD4.36M USD
Operating income81.62M USD65.46M USD53.84M USD77.05M USD86.64M USD
Net income65.16M USD53M USD43.38M USD61.44M USD69.01M USD

Company facts updated Aug 24, 2026.

Earnings

EPS beat rate
73%
8 beats, 2 misses, 1 met estimate
Average EPS surprise
+5.19%
11 comparable reports
Latest EPS result
1.35
Estimate 1.29 · Beat by 4.65%

EPS: actual versus estimate

Recent quarterly results

ActualEstimate
Quarterly EPS actual values compared with estimates1.411.221.030.84Q1 '25BeatQ2 '25MissQ3 '25MissQ4 '25BeatQ1 '26BeatQ2 '26BeatQ3 '26BeatQ4 '26Estimate
Q1 2025, reported Jan 28, 2025: actual 1.03, estimate 0.89, surprise +15.73%, Beat. Q2 2025, reported May 6, 2025: actual 0.95, estimate 0.99, surprise -4.04%, Miss. Q3 2025, reported Jul 29, 2025: actual 0.89, estimate 1.12, surprise -20.54%, Miss. Q4 2025, reported Oct 28, 2025: actual 1.24, estimate 1.23, surprise +0.81%, Beat. Q1 2026, reported Jan 27, 2026: actual 1.33, estimate 1.32, surprise +0.76%, Beat. Q2 2026, reported Apr 28, 2026: actual 1.29, estimate 1.26, surprise +2.38%, Beat. Q3 2026, reported Jul 28, 2026: actual 1.35, estimate 1.29, surprise +4.65%, Beat. Q4 2026, reported Oct 27, 2026: actual —, estimate 1.36, surprise —, Comparison unavailable.

Revenue: actual versus estimate

Recent quarterly results

ActualEstimate
Quarterly Revenue actual values compared with estimates71M61.33M51.67M42MQ1 '25BeatQ2 '25MissQ3 '25MissQ4 '25MissQ1 '26BeatQ2 '26MissQ3 '26BeatQ4 '26Estimate
Q1 2025, reported Jan 28, 2025: actual 46.23M USD, estimate 44.73M USD, surprise +3.36%, Beat. Q2 2025, reported May 6, 2025: actual 58.36M USD, estimate 58.76M USD, surprise -0.67%, Miss. Q3 2025, reported Jul 29, 2025: actual 55.36M USD, estimate 63.4M USD, surprise -12.69%, Miss. Q4 2025, reported Oct 28, 2025: actual 62.98M USD, estimate 65.1M USD, surprise -3.26%, Miss. Q1 2026, reported Jan 27, 2026: actual 68.05M USD, estimate 66.17M USD, surprise +2.85%, Beat. Q2 2026, reported Apr 28, 2026: actual 64.34M USD, estimate 65.57M USD, surprise -1.88%, Miss. Q3 2026, reported Jul 28, 2026: actual 66.7M USD, estimate 66.41M USD, surprise +0.44%, Beat. Q4 2026, reported Oct 27, 2026: actual —, estimate 68.27M USD, surprise —, Comparison unavailable.

Analyst ratings

Third-party consensus; not a GoAI recommendation.

Analyst price target

Average target

$56.50

1.13% downside
Past 12 months12-month forecastHigh $58.00Average $56.50Low $55.00

Rating distribution

6 ratings
Strong buy00%
Buy467%
Hold233%
Sell00%
Strong sell00%

Recent analyst actions

3 institutions

CAC news

defenseworld.net

Empowered Funds LLC Buys 53,154 Shares of Camden National Corporation $CAC

Empowered Funds LLC raised its position in shares of Camden National Corporation (NASDAQ: CAC) by 322.3% in the undefined quarter, according to the company in its most recent Form 13F filing with the Securities and…

Read source
gurufocus.com

Camden National Bank Names Josh Nash Chief Technology Officer, Advancing Its Digital Innovation Strategy

Camden National Bank Names Josh Nash Chief Technology Officer, Advancing Its Digital Innovation Strategy PR Newswire

Read source
prnewswire.com

Camden National Bank Names Josh Nash Chief Technology Officer, Advancing Its Digital Innovation Strategy

Promotion reinforces Camden National Bank's investment in secure technology, stronger data capabilities, and continued digital progress. CAMDEN, Maine, Aug. 3, 2026 /PRNewswire/ -- Camden National Bank announced today…

Read source
prnewswire.com

Camden National Bank Launches Refreshed Digital Experience to Make Banking Simpler and More Accessible

/PRNewswire/ -- Camden National Bank announced the launch of a refreshed digital experience that makes it easier for customers to find information, explore

Read source
seekingalpha.com

Camden National Corporation (CAC) Q2 2026 Earnings Call Transcript

Camden National Corporation (CAC) Q2 2026 Earnings Call Transcript

Read source
marketbeat.com

Camden National Q2 Earnings Call Highlights

Camden National NASDAQ: CAC reported record second-quarter net income of $23 million, or $1.35 per diluted share, as loan growth, margin expansion and higher fee income supported results. Net income and diluted earnings…

Read source

Corporate actions

Annual dividends per share

Cash distributions grouped by calendar year; partial years are marked.

$1.68

2025 complete year+19.1% since 2021

2026 partial: $1.26

* Partial calendar year in the available dividend history.

Corporate action history

Dividend

Ex-dividend Jul 15, 2026

$0.42

Quarterly

Record Jul 15, 2026 · Payment Jul 31, 2026

Dividend

Ex-dividend Apr 15, 2026

$0.42

Quarterly

Record Apr 15, 2026 · Payment Apr 30, 2026

Dividend

Ex-dividend Jan 15, 2026

$0.42

Quarterly

Record Jan 15, 2026 · Payment Jan 30, 2026

Dividend

Ex-dividend Oct 15, 2025

$0.42

Quarterly

Record Oct 15, 2025 · Payment Oct 31, 2025

Dividend

Ex-dividend Jul 15, 2025

$0.42

Quarterly

Record Jul 15, 2025 · Payment Jul 31, 2025

Dividend

Ex-dividend Apr 15, 2025

$0.42

Quarterly

Record Apr 15, 2025 · Payment Apr 30, 2025

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ETFs holding CAC

Funds reporting this stock among their holdings, ordered by reported position size.

Vanguard Morningstar Total Stock Market ETF logoVanguard Morningstar Total Stock Market ETFVTI
Market value
31.82M
Weight
0.00%
AUM
2.3T USD
Expense ratio
0.03%
Price / 1D
$377.17—
iShares Russell 2000 ETF logoiShares Russell 2000 ETFIWM
Market value
25.57M
Weight
0.03%
AUM
81.62B USD
Expense ratio
0.19%
Price / 1D
$298.66—
Avantis U.S. Small Cap Value ETF logoAvantis U.S. Small Cap Value ETFAVUV
Market value
20.74M
Weight
0.07%
AUM
31.27B USD
Expense ratio
0.25%
Price / 1D
$126.22—
Vanguard Extended Market ETF logoVanguard Extended Market ETFVXF
Market value
11.34M
Weight
0.01%
AUM
93.7B USD
Expense ratio
0.05%
Price / 1D
$243.89—
iShares Russell 2000 Value ETF logoiShares Russell 2000 Value ETFIWN
Market value
9.22M
Weight
0.06%
AUM
14.66B USD
Expense ratio
0.24%
Price / 1D
$224.75—
State Street SPDR S&P Regional Banking ETF logoState Street SPDR S&P Regional Banking ETFKRE
Market value
7.24M
Weight
0.18%
AUM
4.06B USD
Expense ratio
0.35%
Price / 1D
$75.00—
Dimensional - US Targeted Value ETF logoDimensional - US Targeted Value ETFDFAT
Market value
5.59M
Weight
0.04%
AUM
14.66B USD
Expense ratio
0.28%
Price / 1D
$71.605—
Vanguard Russell 2000 ETF logoVanguard Russell 2000 ETFVTWO
Market value
5.51M
Weight
0.03%
AUM
17.4B USD
Expense ratio
0.06%
Price / 1D
$120.74—

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