Camden National Corporation (CAC) AI Stock Analysis

Founded in 1875 and based in Camden, Maine, Camden National Corporation operates Camden National Bank, delivering commercial and consumer banking services across Maine, New Hampshire, and Massachusetts. The bank maintains a network of 57 branches, a residential mortgage lending office, and digital platforms for mortgages and small commercial loans. Its offerings include checking, savings, time, and brokered deposits, alongside owner-occupied and non-owner-occupied commercial real estate loans, SBA-backed commercial loans, and home equity lending. It also provides wealth management, brokerage, insurance, fiduciary, asset management, and trustee services.

Between FY2021 and FY2025, revenue grew from $193.9M to $367.3M, reflecting a 5-year compound annual growth rate of 12.5%. Net income shifted from $69.0M in FY2021 to $43.4M in FY2023 before rising to $65.2M in FY2025, while operating margin moved from 44.7% to 22.2% over that span. Diluted EPS stood at $4.41 in FY2025 compared to $4.64 in FY2021. For the trailing twelve months, revenue was $258.0M with a profit margin of 34.4% and an operating margin of 47.3%. In the latest quarter ended June 30, 2026, revenue increased 20.5% year-over-year, and earnings grew 62.7%.

As of June 30, 2026, Camden National held $99.9M in cash and short-term investments against total debt of $571.1M, yielding net debt of $471.2M. Total assets stood at $6.95B and shareholders' equity was $725.9M, resulting in a debt-to-equity ratio of 0.79 and a current ratio of 0.20. In FY2025, the bank generated $63.9M in operating cash flow and $58.2M in free cash flow after spending $5.7M on capital expenditures. Cash outflows included $28.5M in dividends paid, while the 5-year share count increased by 14.2%.

At a share price of $56.12, Camden National holds a market capitalization of $948.3M and an enterprise value of $1.43B. The stock trades at a trailing P/E of 10.8x and a forward P/E of 10.2x, compared to medians of 12.1x and 10.8x, respectively, for the median of its US-listed Financial Services peers. Its price-to-sales multiple of 3.7x compares to 3.2x for peers, while its price-to-book ratio is 1.3x. Over the past 12 months, the stock returned 63.6%, exceeding the 16.8% return of the S&P 500 (SPY). Over 5 years, the stock returned 43.7% against 83.0% for the S&P 500.

Camden National has paid dividends for 30 consecutive years. It carries an annual forward dividend of $1.68 per share, representing a 2.99% dividend yield and a 32.2% payout ratio. Dividends are distributed quarterly, with a 5-year annualized dividend growth rate of 4.9%. The most recent ex-dividend date occurred on October 15, 2026.

Wall Street analyst coverage consists of 1 Buy and 4 Hold ratings, with 0 Strong Buy, Sell, or Strong Sell ratings. The mean price target is $59.60, representing 6.2% upside from the last closing price of $56.12. For the fiscal year ending December 31, 2026, consensus estimates project revenue of $269.1M and EPS of $5.38, indicating 22.6% EPS growth. Camden National has beaten EPS estimates in each of the last 4 quarters, and the next earnings date is October 27, 2026.

This page is an AI-written research summary of Camden National Corporation (CAC). The text was generated on October 30, 2026 from Quotelinks data as of October 16, 2026 (company profile, annual results, latest balance sheet, valuation, price performance and analyst estimates). An automatic check rejects any draft that contains a figure not found in that data. It is not investment advice; verify figures on the linked tabs before making decisions.

Related: CAC income statement, CAC balance sheet, CAC key metrics, CAC analyst forecast, CAC chart. See the CAC stock overview for the latest quote and news.