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CAC stock logo

CAC

Camden National Corporation

$48.23
0.05
 (0.1%)
Exchange:  NASDAQ
Market Cap:  816.307M
Shares Outstanding:  10.485M
Overview
Earnings
Financials
Valuation
Chart

About The Company

Sector:  Financial Services
Industry:  Banks – Regional
   
CEO:  Simon R. Griffiths
Full Time Employees:  586
Address: 
2 Elm Street
Camden
ME
4843
US
Website:  https://www.camdennational.com
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.

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Revenue Segmentation

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EPS

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Earnings Call

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Earnings transcript

Read the complete earnings call transcript.

AI summary

Key takeaways

Short, structured highlights from the call so you can focus on what matters.

2026/01/27 — 4 quarter 2025

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Income Statement
Balance Sheet
Cash Flow Statement
Analyst Estimates

Income Statement

Year202320242025
Revenue250,316289,719367,342
Gross Profit156,071172,109230,623
EBITDA57,79969,32691,543
Operating Income53,83665,46081,624
Net Income43,38353,00465,160

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(* All numbers are in thousands)

Balance Sheet

Year202320242025
Total Assets5,714,5065,805,1386,974,584
Total Liabilities5,219,4425,273,9076,278,026
Total Stockholders Equity495,064531,231696,558
Total Debt529,938544,952581,780
Cash and Cash Equivalents99,804214,96397,492

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Cash Flow Statement

Year202320242025
Operating Cash Flow67,50860,93325,496
Capital Expenditure-2,622-5,5760
Free Cash Flow64,88655,35725,496
Net Income43,38353,00465,160
Net Change in Cash24,377115,159-94

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(* All numbers are in thousands)

Analyst Estimates

Fiscal Year2027Full AccessFull AccessFull AccessFull Access
Estimated Revenue (Low)290,096.460Full AccessFull AccessFull AccessFull Access
Estimated Revenue (High)293,580.831Full AccessFull AccessFull AccessFull Access
Estimated Revenue (Avg)291,843.667Full AccessFull AccessFull AccessFull Access
Estimated Ebitda (Low)91,511.406Full AccessFull AccessFull AccessFull Access
Estimated Ebitda (High)92,610.556Full AccessFull AccessFull AccessFull Access
Estimated Ebitda (Avg)92,062.565Full AccessFull AccessFull AccessFull Access
Estimated Net Income (Low)98,365.895Full AccessFull AccessFull AccessFull Access
Estimated Net Income (High)100,932.024Full AccessFull AccessFull AccessFull Access
Estimated Net Income (Avg)99,832.250Full AccessFull AccessFull AccessFull Access
Estimated SGA Expense (Low)71,653.540Full AccessFull AccessFull AccessFull Access
Estimated SGA Expense (High)72,514.176Full AccessFull AccessFull AccessFull Access
Estimated SGA Expense (Avg)72,085.098Full AccessFull AccessFull AccessFull Access
Estimated EPS (Avg)5.880Full AccessFull AccessFull AccessFull Access
Estimated EPS (High)5.950Full AccessFull AccessFull AccessFull Access
Estimated EPS (Low)5.800Full AccessFull AccessFull AccessFull Access
Number of Analysts (Estimated Revenue)2Full AccessFull AccessFull AccessFull Access
Number of Analysts (Estimated EPS)3Full AccessFull AccessFull AccessFull Access

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(* All numbers are in thousands)

Current Key Metrics

?Revenue
 (TTM)
: 
293.766M  ?P/S
 (TTM)
: 
2.36
?Net Income
 (TTM)
: 
52.992M  ?P/E
 (TTM)
: 
13.23
?Enterprise Value
 (TTM)
: 
1.413B  ?EV/FCF
 (TTM)
: 
85.39
?Dividend Yield
 (TTM)
: 
0.03  ?Payout Ratio
 (TTM)
: 
0.44
?ROE
 (TTM)
: 
0.1  ?ROIC
 (TTM)
: 
0.06
?Net Debt
 (TTM)
: 
498.075M  ?Debt/Equity
 (TTM)
: 
0.92
?P/B
 (TTM)
: 
1.24  ?Current Ratio
 (TTM)
: 
1.77

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Forward P/E Ratios

?

Forward P/E (Avg EPS estimate) — log in with Full Access for high/low estimates and the interactive table.

Forward P/E 1YFull AccessFull AccessFull AccessFull Access
8.91Full AccessFull AccessFull AccessFull Access

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SWOT Analysis

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At what price to buy it? -
Intrinsic Value Calculator

Based on current fundamentals and analyst forecasts, MARKETSnap estimates CAC intrinsic value between $45.48 – $56.08 per share. This depends on revenue growth, margins, and discount rate.

This is an automatic estimate. The most reliable way to know fair value for your own assumptions is to run the calculator below.


Calculate CAC Intrinsic Value

Common questions about CAC valuation

Is Camden National Corporation (CAC) overvalued or undervalued right now?

MARKETSnap estimates intrinsic value for Camden National Corporation (CAC) using its proprietary valuation methodology, which incorporates discounted cash flow (DCF) analysis together with long-term earnings and fundamentals assumptions. By comparing intrinsic value to the current market price, long-term investors can see whether the stock screens as potentially overvalued, fairly valued, or undervalued today.

Is CAC a buy, hold, or sell for long-term investors?

MARKETSnap does not give one-word “buy” or “sell” calls. Instead, it shows whether CAC trades at a premium or discount to its estimated intrinsic value, how sensitive that value is to growth and margin assumptions, and how the stock fits into a diversified, long-term portfolio so investors can make their own buy, hold, or sell decision.

What is CAC’s P/E ratio?

You can see CAC’s trailing P/E (TTM) and forward P/E estimates in the Current Key Metrics and Forward P/E Ratios sections above. The P/E ratio compares the current share price to earnings per share and helps investors gauge valuation relative to earnings.

How is intrinsic value calculated for CAC?

MARKETSnap uses its own valuation framework—not a generic spreadsheet DCF alone. Future cash flows and earnings are projected, discounted, and combined with MARKETSnap’s methodology so intrinsic value reflects fundamentals and long-term assumptions. You can run your own inputs and see the result using the Intrinsic Value Calculator above.

Is CAC a good long-term investment?

Whether CAC fits a long-term portfolio depends on your assumptions about growth, margins, and risk. MARKETSnap provides the metrics, intrinsic value calculator, and SWOT context so you can form your own view rather than rely on a single buy/sell rating.

CAC

1-day price chart preview. Log in for 1W through 5Y ranges and period tabs.

Daily snapshot

0.1
MARKETSnap

Trading Metrics:

Open: 47.43   Previous Close: 48.18
Day Low: 47.43   Day High: 48.25
Year Low: 34.53   Year High: 51.57
Price Avg 50: 47.47   Price Avg 200: 42.33
Volume: 62935   Average Volume: 103850

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See in Nexus

Relevant news

Analyzing Camden National (NASDAQ:CAC) & Freedom Financial (OTCMKTS:FDVA)
08-04-2026 02:39
Analyzing Camden National (NASDAQ:CAC) & Freedom Financial (OTCMKTS:FDVA)
Camden National Corporation Announces its First Quarter 2026 Dividend
31-03-2026 16:15
Camden National Corporation Announces its First Quarter 2026 Dividend
Camden National Corporation (NASDAQ:CAC) Receives $49.00 Average Target Price from Analysts
30-03-2026 03:32
Camden National Corporation (NASDAQ:CAC) Receives $49.00 Average Target Price from Analysts
Is CAC Optimization DAVE's Fuel to Its Profitability Engine?
18-02-2026 12:41
Is CAC Optimization DAVE's Fuel to Its Profitability Engine?
The Baldwin Group Completes Merger Transaction with CAC Group
02-01-2026 16:15
The Baldwin Group Completes Merger Transaction with CAC Group
Head-To-Head Review: Camden National (NASDAQ:CAC) & Peoples Financial Services (NASDAQ:PFIS)
25-12-2025 03:17
Head-To-Head Review: Camden National (NASDAQ:CAC) & Peoples Financial Services (NASDAQ:PFIS)

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