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Camden National (CAC) Earnings Dates, Call Summary & Reports

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Earnings Data

Report Date

Jul 28, 2026

Before Open (Confirmed)

Period Ending

2026 (Q2)

Consensus EPS Forecast

1.28

Last Year’s EPS

0.89

Same Quarter Last Year

Analyst Consensus

Moderate Buy

Based on 2 Analysts Ratings

Earnings Call Summary

Q1 2026

Earnings Call Date:Apr 28, 2026|

% Change Since:

Earnings Call Sentiment|Positive

The call highlighted multiple strengths: strong profitability and capital metrics, excellent asset quality, growing wealth/AUA and operational gains from AI/automation, along with ongoing shareholder returns. Headwinds noted were seasonal softness in fees and loans, sequential NIM pressure from lower accretion, increased competition and an expected normalization of expenses in Q2. Management reiterated disciplined, organic growth and a balanced M&A posture. Overall the positives (earnings growth, capital rebuilding, asset quality and tech-enabled efficiency) materially outweigh the transitory and manageable negatives.

Company Guidance

Management's guidance included a Q2 core net interest margin expansion of 2–5 basis points (Q1 reported NIM 3.24% and core NIM 2.92%), with gradual NIM improvement expected through 2026 and potential approach to ~3.00% in the back half; fair‑value accretion ran about $4.3M this quarter. They expect Q2 noninterest income to rebound to roughly $13.0M and Q2 noninterest expense to normalize to about $37.5M (Q1 noninterest expense was $35.7M). Loan growth is expected to be low‑to‑mid single‑digit for the year (home equity +$10.6M in Q1), deposits were $5.6B (+1% q/q), AUA $2.4B (+11% y/y), tangible common equity 7.64%, tangible book value per share $30.58 (+3% q/q), and credit remains strong (NPLs 22 bps, past‑due loans 6 bps, ACL 92 bps, NCOs $506k / 4 bps).

Strong Quarterly Earnings

Net income of $21.9 million and diluted EPS of $1.29; adjusted net income and adjusted diluted EPS increased 39% year-over-year excluding noncore acquisition-related items.

Solid Capital Position and Book Value Growth

Tangible common equity ratio increased to 7.64% at quarter-end; tangible book value per share grew 3% to $30.58; continued capital rebuild following Northway acquisition.

Robust Profitability Metrics

Reported return on average assets (ROAA) of 1.28%, return on average tangible equity of 18.17% and a non-GAAP efficiency ratio of 53.21%.

Net Interest Margin Improvement Year-over-Year

Reported NIM of 3.24%, up 20 basis points year-over-year; core NIM remained stable at 2.92%; management anticipates 2–5 basis points of core NIM expansion in Q2 with potential further gradual expansion.

Excellent Asset Quality

Nonperforming loans at 22 basis points of total loans, past-due loans at 6 basis points, net charge-offs $506,000 (4 bps annualized); allowance for credit losses 92 bps with a 4.2x coverage ratio of NPLs.

Stable Deposit Base and Liquidity

Deposits of $5.6 billion at March 31, representing a 1% increase from the prior quarter; growth supported by high-yield savings and commercial/treasury wins.

Wealth and Fee Growth Momentum

Assets under administration (AUA) of $2.4 billion at quarter-end, essentially flat quarter-over-quarter and up 11% year-over-year; management reporting continued quarterly revenue growth in wealth channels.

Operational Efficiency and Technology Adoption

Launched and rapidly adopted internal AI tools (Camden IQ, Prep IQ, Loan IQ) and automation that improve banker productivity and decision consistency; home equity loans increased by $10.6 million in the quarter.

Shareholder Returns

Returned $8.6 million to shareholders in the quarter via cash dividends and repurchases; repurchased just over 33,000 shares and announced a share repurchase program.

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
Jul 28, 2026	2026 (Q2)	1.28 / -	0.89	―	―	―
Apr 28, 2026	2026 (Q1)	1.25 / 1.29	0.95	35.79% (+0.34)	―
Jan 27, 2026	2025 (Q4)	1.32 / 1.33	1.03	29.13% (+0.30)	―
Oct 28, 2025	2025 (Q3)	1.19 / 1.24	0.94	31.91% (+0.30)	―
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)	―

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
Apr 28, 2026	$50.40	$50.67	+0.54%
Jan 27, 2026	$46.80	$46.99	+0.40%
Oct 28, 2025	$36.48	$37.05	+1.56%
Jul 29, 2025	$40.29	$36.18	-10.20%

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 Jul 28, 2026, Before Open (Confirmed).

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

Camden National Corp. (CAC) earnings time is at Jul 28, 2026, 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 2026 (Q2) is 1.28.