The earnings call reflects a strong quarter with significant achievements in earnings growth, acquisition integration, and digital innovation. Despite some credit challenges and elevated provision expenses, the overall financial health and strategic positioning of the company remain strong.

Company Guidance -

Q3 2025

During the Camden National Corporation's Second Quarter 2025 Earnings Conference Call, the company reported strong financial performance following the acquisition of Northway Financial. Key metrics included a 13% rise in pretax pre-provision income excluding merger-related expenses, quarterly earnings of $14.1 million, and diluted earnings per share of $0.83. On a non-GAAP basis, adjusted earnings were $15.2 million or $0.89 per share. The tangible common equity ratio expanded to 6.77%, and the tangible book value increased by 3% to $26.9 per share. The net interest margin expanded by two basis points, reaching 3.06% on a GAAP basis, and the non-GAAP efficiency ratio improved to 55.5%. Noninterest income for the quarter was $13.1 million, exceeding guidance, while noninterest expense, excluding M&A costs, decreased to $36.2 million. The company also addressed a commercial borrower bankruptcy, which led to additional provisioning, but overall credit quality remained strong with past due loans at eight basis points and non-performing loans at 37 basis points of total loans. The company anticipates continued earnings growth and margin expansion through 2025, supported by strategic investments and market expansion.

Strong Quarterly Earnings

Reported strong quarterly earnings of $14.1 million, with diluted earnings per share of $0.83. On a non-GAAP basis, adjusted earnings were $15.2 million or $0.89 per share.

Successful Acquisition Integration

Completed the acquisition of Northway Financial, leading to a 13% increase in pretax pre-provision income excluding merger-related expenses from the prior quarter. Achieved 3% increase in tangible book value.

Improved Efficiency and Revenue Growth

Net interest margin expanded by two basis points, and the non-GAAP efficiency ratio improved to 55.5%. Total revenues for the second quarter grew 4% over the last quarter to $62.3 million.

Growth in Wealth Management and Fee Revenue

Fiduciary and brokerage fee income grew 16% year over year, and significant success in growing and diversifying fee revenue.

Advancements in Digital Innovation

Successful launch of new mobile app features, including the roundup feature and Zogo, a digital financial literacy program. Over 140,000 roundup transactions and 13,000 learning activities completed.

Camden National (CAC) Earnings, Revenues Date & History

The upcoming earnings date is based on a company’s previous reporting, and may be updated when the actual date is announced

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CAC Earnings History

Report Date	Fiscal Quarter	Forecast / EPS	Last Year's EPS	EPS YoY Change	Slides	Play Transcript
Nov 04, 2025	2025 (Q3)	1.19 / -	0.94	―	―	―
Jul 29, 2025	2025 (Q2)	1.10 / 0.89	0.81	9.88% (+0.08)	―
May 06, 2025	2025 (Q1)	0.98 / 0.95	0.86	10.47% (+0.09)	―
Jan 28, 2025	2024 (Q4)	0.89 / 1.03	0.85	21.18% (+0.18)	―
Oct 29, 2024	2024 (Q3)	0.83 / 0.94	0.96	-2.08% (-0.02)	―
Jul 30, 2024	2024 (Q2)	0.71 / 0.81	0.85	-4.71% (-0.04)	―
Apr 30, 2024	2024 (Q1)	0.70 / 0.86	0.878	-2.05% (-0.02)	―
Jan 30, 2024	2023 (Q4)	0.80 / 0.85	1.058	-19.66% (-0.21)	―
Oct 31, 2023	2023 (Q3)	0.74 / 0.96	0.978	-1.84% (-0.02)	―
Jul 25, 2023	2023 (Q2)	0.81 / 0.85	1.028	-17.32% (-0.18)	―

The table shows recent earnings report dates and whether the forecast was beat or missed. See the change in forecast and EPS from the previous year.

Beat

Missed

CAC Earnings-Related Price Changes

Report Date	Price 1 Day Before	Price 1 Day After	Percentage Change
Jul 29, 2025	$41.46	$37.23	-10.20%
May 06, 2025	$39.23	$38.98	-0.64%
Jan 28, 2025	$43.51	$44.48	+2.23%
Oct 29, 2024	$40.21	$40.92	+1.77%

Earnings announcements can affect a stock’s price. This table shows the stock's price the day before and the day after recent earnings reports, including the percentage change.

FAQ

When does Camden National Corp. (CAC) report earnings?

Camden National Corp. (CAC) is schdueled to report earning on Nov 04, 2025, Before Open (Confirmed).

What is Camden National Corp. (CAC) earnings time?

Camden National Corp. (CAC) earnings time is at Nov 04, 2025, Before Open (Confirmed).

Where can I see when companies are reporting earnings?

You can see which companies are reporting today on our designated earnings calendar.

What companies are reporting earnings today?

You can see a list of the companies which are reporting today on TipRanks earnings calendar.

What is CAC EPS forecast?

CAC EPS forecast for the fiscal quarter 2025 (Q3) is 1.19.

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