Camden National (CAC) AI Stock Analysis

• Market Cap: $707.86M
• Dividend Yield: 4.14%
• Average Volume (3M): 51.35K
• Price to Earnings (P/E): 13.3
• Beta (1Y): 0.96
• Revenue Growth: 18.13%
• EPS Growth: 4.86%
• Country: US
• Employees: 586
• Sector: Financial
• Sector Strength: 79
• Industry: Banks - Regional
• EPS (TTM): 0.95
• Shares Outstanding: 16,902,160
• 10 Day Avg. Volume: 61,326
• 30 Day Avg. Volume: 51,347
• PEG Ratio: -1.06
• Price to Book (P/B): 1.03
• Price to Sales (P/S): 0.00
• P/FCF Ratio: 17.42
• Enterprise Value/Market Cap: 1.50
• Enterprise Value/Revenue: 0.93
• Enterprise Value/Gross Profit: 5.94
• Enterprise Value/Ebitda: 4.26
• 1Y Price Target: $47.00
• Price Target Upside: 15.82% Upside
• Rating Consensus: Hold
• Number of Analyst Covering: 1

• Rating: 71 Outperform
• Price Target: $44.00 ▲(8.43%Upside)

Camden National's overall score is driven by solid financial performance and strategic achievements highlighted in the earnings call. While the stock appears reasonably valued with a strong dividend yield, technical indicators suggest caution with potential resistance levels. The company's successful merger and ongoing cost-saving initiatives further bolster its prospects, though financial leverage and cash flow management remain areas to watch.

Camden National Business Overview & Revenue Model

Company Description

Camden National Corporation (CAC) is a publicly traded bank holding company headquartered in Camden, Maine. The company operates primarily through its subsidiary, Camden National Bank, which provides a wide array of financial services and products. These include personal and business banking, commercial and residential lending, wealth management, and investment services, catering to individuals, businesses, and municipalities throughout the New England area.

How the Company Makes Money

Camden National Corporation generates revenue primarily through interest income from its loan portfolio and investments, as well as through non-interest income derived from fees and service charges associated with its banking services. The company earns interest income by offering various types of loans, including commercial, residential, and consumer loans, and by investing in securities. Non-interest income is obtained from account maintenance fees, transaction fees, wealth management services, and other banking-related services. Key factors contributing to its earnings include the interest rate environment, loan demand, and the bank's ability to manage credit risk effectively. Strategic partnerships and a strong regional presence also support Camden National's revenue generation.

Camden National Financial Statement Overview

Summary

Camden National demonstrates strong profitability with a solid net profit margin of 17.57% and a stable balance sheet. However, increasing leverage and challenges in cash flow management pose risks that need to be monitored.

Income Statement

Camden National shows a stable revenue base with a slight annual revenue decline followed by a recovery. The TTM gross profit margin is strong at 93.28%, and the net profit margin stands at a solid 17.57%. However, recent EBIT and EBITDA margins showed a decline from previous years, reflecting potential pressures on operating efficiency.

Balance Sheet

The balance sheet reveals a healthy equity ratio of 9.19% for TTM, indicating a stable capital structure. However, the debt-to-equity ratio has increased to 0.98 in the TTM period, suggesting rising leverage which could pose risks if not managed prudently. Return on equity has improved to 7.35% in the TTM, indicating better profitability for shareholders.

Cash Flow

Cash flow analysis highlights a positive free cash flow growth, though there is a notable decline in operating cash flow over the TTM. The operating cash flow to net income ratio is at 0.91, reflecting adequate cash generation relative to net income. However, a decline in free cash flow to net income ratio to 0.87 in the TTM period suggests potential liquidity challenges.

Breakdown	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	307.47M	289.72M	250.32M	208.89M	193.91M	203.94M
Gross Profit	178.61M	172.11M	156.07M	179.29M	186.05M	170.63M
EBITDA	61.20M	69.33M	57.80M	81.16M	91.00M	78.91M
Net Income	47.06M	53.00M	43.38M	61.44M	69.01M	59.49M
Balance Sheet
Total Assets	6.96B	5.81B	5.71B	5.67B	5.50B	4.90B
Cash, Cash Equivalents and Short-Term Investments	1.04B	792.76M	725.61M	771.30M	1.73B	1.26B
Total Debt	628.73M	544.95M	529.94M	309.51M	255.94M	246.77M
Total Liabilities	6.32B	5.27B	5.22B	5.22B	4.96B	4.37B
Stockholders Equity	640.05M	531.23M	495.06M	451.28M	541.29M	529.31M
Cash Flow
Free Cash Flow	37.42M	55.36M	64.89M	103.00M	140.86M	15.30M
Operating Cash Flow	44.21M	60.93M	67.51M	105.18M	142.72M	18.23M
Investing Cash Flow	97.08M	30.33M	-7.03M	-487.72M	-649.09M	-294.45M
Financing Cash Flow	-98.59M	23.90M	-36.10M	237.34M	581.23M	346.36M

Camden National Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 40.58
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Negative
• MACD: Negative
• RSI: Neutral
• STOCH: Negative

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For CAC, the sentiment is Positive. The current price of 40.58 is above the 20-day moving average (MA) of 39.46, above the 50-day MA of 39.59, and below the 200-day MA of 41.37, indicating a neutral trend. The MACD of 0.17 indicates Negative momentum. The RSI at 57.51 is Neutral, neither overbought nor oversold. The STOCH value of 91.44 is Negative, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for CAC.

Camden National Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
NBBK	77 Outperform	$663.64M	15.16	6.26%	―	22.18%	277.02%
GSBC	75 Outperform	$698.97M	10.89	11.13%	2.72%	7.98%	10.16%
HBNC	73 Outperform	$683.07M	15.05	6.06%	4.16%	9.55%	90.70%
IBCP	71 Outperform	$675.92M	10.38	15.04%	3.19%	5.59%	7.03%
CAC	71 Outperform	$707.86M	13.32	8.24%	4.14%	18.13%	4.86%
Sector *	67 Neutral	$16.85B	11.65	9.71%	3.90%	11.61%	-9.60%
AMTB	58 Neutral	$756.69M	―	-1.83%	1.99%	-5.43%	-186.90%

Camden National Corporate Events

Camden National Announces Quarterly Dividend of $0.42

On June 24, 2025, Camden National Corporation announced a quarterly dividend of $0.42 per share, resulting in an annualized dividend yield of 4.23% based on the June 23, 2025 closing stock price. The dividend is payable on July 31, 2025, to shareholders of record on July 15, 2025, reflecting the company’s commitment to providing value to its shareholders.

The most recent analyst rating on (CAC) stock is a Hold with a $42.00 price target. To see the full list of analyst forecasts on Camden National stock, see the CAC Stock Forecast page.

Camden National Holds Annual Shareholders Meeting

On May 20, 2025, Camden National held its Annual Meeting of Shareholders at the Hanley Center in Rockport, Maine, and virtually, where 83% of eligible votes were represented. During the meeting, shareholders elected twelve directors to the Board for a one-year term, approved an amendment to the 2022 Equity and Incentive Plan, endorsed executive compensation, and ratified the appointment of RSM US LLP as the independent auditor for 2025.

The most recent analyst rating on (CAC) stock is a Buy with a $53.00 price target. To see the full list of analyst forecasts on Camden National stock, see the CAC Stock Forecast page.