Camden National Corporation (CAC) Key Metrics
CAC valuation today
Trailing 12 months · as of October 17, 2026- Market cap
- $948.3M
- Enterprise value
- $1.43B
- P/E (TTM)
- 10.8 10-yr median 11.5
- Forward P/E
- 10.2
- PEG ratio
- —
- Price / sales
- 3.7 10-yr median 3.0
- Price / book
- 1.3 10-yr median 1.3
- EV / EBITDA
- — 10-yr median 5.4
- Dividend yield
- 2.99% $1.68 a year
- Beta
- 0.56
CAC key metrics, 2016–2025
Fiscal year ended December 31, 2025 · U.S. dollarsCAC valuation Price multiples at each fiscal year-end price.
CAC returns How much profit the business earns on the capital it uses.
CAC per-share figures Results divided by the shares outstanding at year-end.
CAC financial health Debt, liquidity and how easily interest is covered.
CAC efficiency & capital use Working capital cycle and where the cash goes.
CAC valuation history
CAC returns on capital
Net income (ROE, ROA) or after-tax operating income (ROIC) divided by the average of the opening and closing balance.
CAC debt vs cash
Debt includes short- and long-term borrowings and, where reported, lease liabilities.
CAC cash returned to shareholders
CAC price vs earnings per share
CAC key metrics
2016–2025| 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | |
|---|---|---|---|---|---|---|---|---|---|---|
| Valuation | ||||||||||
| Market capitalization | $735.8M | $625.5M | $549.7M | $612.9M | $721.1M | $537.6M | $711.8M | $562.1M | $656.7M | $689.2M |
| Enterprise value | $352.2M | $377.7M | $354.1M | $151.1M | −$751.1M | −$477.3M | $55.9M | −$74.1M | $375.4M | $421.3M |
| P/E ratio | 11.3 | 11.8 | 12.7 | 10.0 | 10.4 | 9.0 | 12.4 | 10.6 | 23.1 | 17.2 |
| Price / sales | 2.0 | 2.2 | 2.4 | 2.9 | 3.7 | 2.6 | 3.4 | 3.0 | 3.8 | 4.2 |
| Price / book | 1.1 | 1.2 | 1.1 | 1.4 | 1.3 | 1.0 | 1.5 | 1.3 | 1.6 | 1.8 |
| Price / free cash flow | 12.6 | 11.3 | 8.5 | 6.0 | 5.1 | 35.1 | 24.9 | 9.5 | 11.8 | 12.4 |
| Price / operating cash flow | 11.5 | 10.3 | 8.1 | 5.8 | 5.1 | 29.5 | 21.7 | 8.7 | 11.3 | 12.0 |
| EV / sales | 1.0 | 1.3 | 1.6 | 0.7 | -3.9 | -2.3 | 0.3 | -0.4 | 2.2 | 2.5 |
| EV / EBITDA | 3.8 | 5.4 | 6.6 | 1.9 | — | — | 0.7 | — | 5.5 | 6.6 |
| EV / free cash flow | 6.1 | 6.8 | 5.5 | 1.5 | — | — | 2.0 | — | 6.8 | 7.6 |
| Earnings yield | 8.9% | 8.5% | 7.9% | 10.0% | 9.6% | 11.1% | 8.0% | 9.4% | 4.3% | 5.8% |
| Free cash flow yield | 7.9% | 8.9% | 11.8% | 16.8% | 19.5% | 2.8% | 4.0% | 10.6% | 8.4% | 8.1% |
| Dividend yield | 3.9% | 3.9% | 4.5% | 3.8% | 2.9% | 3.7% | 2.6% | 3.1% | 2.2% | 1.8% |
| Shareholder yield (dividends + buybacks) | 3.9% | 4.2% | 4.8% | 5.5% | 4.3% | 5.5% | 5.5% | 3.1% | 2.3% | 2.6% |
| Share price at fiscal year-end | $43.38 | $42.74 | $37.63 | $41.69 | $48.16 | $35.78 | $46.06 | $35.97 | $42.13 | $44.45 |
| Per share | ||||||||||
| Revenue per share | $21.66 | $19.80 | $15.49 | $14.21 | $12.95 | $13.57 | $13.40 | $11.93 | $11.03 | $10.67 |
| Earnings per share | $3.84 | $3.62 | $2.97 | $4.18 | $4.61 | $3.96 | $3.70 | $3.40 | $1.83 | $2.58 |
| Operating cash flow per share | $3.77 | $4.16 | $4.62 | $7.15 | $9.53 | $1.21 | $2.13 | $4.12 | $3.74 | $3.70 |
| Free cash flow per share | $3.43 | $3.78 | $4.44 | $7.01 | $9.41 | $1.02 | $1.85 | $3.80 | $3.56 | $3.60 |
| Cash per share | $60.60 | $54.17 | $49.67 | $52.47 | $115.42 | $83.97 | $64.31 | $62.57 | $57.28 | $55.96 |
| Book value per share | $41.07 | $36.30 | $33.89 | $30.70 | $36.15 | $35.23 | $30.64 | $27.89 | $25.88 | $25.25 |
| Tangible book value per share | $29.62 | $29.80 | $27.34 | $24.15 | $29.68 | $28.74 | $24.28 | $21.56 | $19.49 | $18.71 |
| Dividends per share | $1.68 | $1.68 | $1.68 | $1.60 | $1.41 | $1.32 | $1.20 | $1.10 | $0.92 | $0.80 |
| Capex per share | $0.34 | $0.38 | $0.18 | $0.15 | $0.12 | $0.19 | $0.28 | $0.32 | $0.18 | $0.11 |
| Debt per share | $37.99 | $37.24 | $36.27 | $21.05 | $17.09 | $16.43 | $21.87 | $21.86 | $39.23 | $38.68 |
| Shares outstanding | 17.0M | 14.6M | 14.6M | 14.7M | 15.0M | 15.0M | 15.5M | 15.6M | 15.6M | 15.5M |
| Change in shares outstanding | +15.9% | +0.2% | −0.6% | −1.8% | −0.3% | −2.8% | −1.1% | +0.2% | +0.5% | +28.4% |
| Returns & profitability | ||||||||||
| Return on equity (ROE) | 10.6% | 10.3% | 9.2% | 12.4% | 12.9% | 11.9% | 12.6% | 12.6% | 7.2% | 10.6% |
| Return on invested capital (ROIC) | 22.7% | 18.2% | 30.0% | — | — | — | — | — | 25.4% | 19.2% |
| Return on assets (ROA) | 1.0% | 0.9% | 0.8% | 1.1% | 1.3% | 1.3% | 1.3% | 1.3% | 0.7% | 1.1% |
| Return on tangible assets | 1.0% | 0.9% | 0.8% | 1.1% | 1.3% | 1.2% | 1.3% | 1.3% | 0.7% | 1.1% |
| Free cash flow margin | 15.8% | 19.1% | 28.7% | 49.3% | 72.6% | 7.5% | 13.8% | 31.8% | 32.3% | 33.7% |
| Income quality (OCF / net income) | 0.98 | 1.15 | 1.56 | 1.71 | 2.07 | 0.31 | 0.57 | 1.21 | 2.05 | 1.43 |
| Financial health | ||||||||||
| Total debt | $644.3M | $545.0M | $529.9M | $309.5M | $255.9M | $246.8M | $337.9M | $341.5M | $611.5M | $599.7M |
| Cash & short-term investments | $1.03B | $792.8M | $725.6M | $771.3M | $1.73B | $1.26B | $993.8M | $977.7M | $892.9M | $867.6M |
| Net debt | −$383.6M | −$247.8M | −$195.7M | −$461.8M | −$1.47B | −$1.01B | −$655.9M | −$636.2M | −$281.4M | −$267.9M |
| Debt / equity | 0.92 | 1.03 | 1.07 | 0.69 | 0.47 | 0.47 | 0.71 | 0.78 | 1.52 | 1.53 |
| Debt / assets | 0.09 | 0.09 | 0.09 | 0.05 | 0.05 | 0.05 | 0.08 | 0.08 | 0.15 | 0.16 |
| Net debt / EBITDA | −4.14 | −3.57 | −3.63 | −5.69 | −16.18 | −12.86 | −8.61 | −9.05 | −4.14 | −4.19 |
| Current ratio | 1.77 | 0.15 | 0.14 | 0.15 | 0.35 | 0.29 | 0.26 | 0.26 | 0.25 | 0.26 |
| Quick ratio | 1.77 | 0.15 | 0.14 | 0.15 | 0.35 | 0.29 | 0.26 | 0.26 | 0.25 | 0.26 |
| Interest coverage | 0.7 | 0.6 | 0.6 | 3.1 | 7.8 | 3.6 | 1.8 | 2.1 | 3.0 | 3.5 |
| Working capital | $446.1M | −$4.35B | −$4.45B | −$4.40B | −$3.19B | −$3.02B | −$2.89B | −$2.81B | −$2.70B | −$2.53B |
| Invested capital | $313.0M | $283.4M | $299.4M | −$10.5M | −$930.9M | −$485.5M | −$182.4M | −$200.4M | $122.0M | $123.6M |
| Tangible asset value | $502.5M | $436.1M | $399.4M | $355.0M | $444.4M | $431.8M | $375.2M | $336.9M | $303.8M | $290.1M |
| Net current asset value | −$5.25B | −$4.49B | −$4.49B | −$4.45B | −$3.23B | −$3.11B | −$2.96B | −$2.88B | −$2.77B | −$2.60B |
| Graham number | $59.58 | $54.39 | $47.58 | $53.73 | $61.23 | $56.02 | $50.51 | $46.17 | $32.61 | $38.32 |
| Graham net-net per share | −$308.72 | −$306.21 | −$307.61 | −$302.65 | −$215.79 | −$206.85 | −$191.70 | −$184.55 | −$177.64 | −$167.58 |
| Capital allocation | ||||||||||
| Dividends paid | $28.5M | $24.6M | $24.5M | $23.5M | $21.1M | $19.8M | $18.6M | $17.2M | $14.3M | $12.4M |
| Share buybacks (net) | $0 | $1.6M | $2.0M | $10.2M | $10.1M | $9.7M | $20.8M | $27,000 | $606,000 | $5.7M |
| Dividend payout ratio | 43.7% | 46.3% | 56.6% | 38.3% | 30.5% | 33.4% | 32.5% | 32.4% | 50.3% | 30.9% |
| Dividends + buybacks / free cash flow | 48.9% | 47.3% | 40.9% | 32.8% | 22.1% | 193.0% | 137.6% | 29.0% | 26.9% | 32.4% |
| Capex / revenue | 1.6% | 1.9% | 1.2% | 1.0% | 1.0% | 1.4% | 2.1% | 2.7% | 1.7% | 1.0% |
| Capex / operating cash flow | 8.9% | 9.2% | 3.9% | 2.1% | 1.3% | 16.1% | 13.0% | 7.8% | 4.9% | 2.9% |
| Capex / depreciation | 0.51 | 1.44 | 0.66 | 0.53 | 0.42 | 0.65 | 0.93 | 1.12 | 0.51 | 0.26 |
| Stock-based compensation / revenue | 0.9% | 1.0% | 1.2% | 1.2% | 1.2% | 0.9% | 0.9% | 0.9% | 0.9% | 1.2% |
| SG&A / revenue | 16.3% | 22.1% | 2.0% | 29.7% | 31.5% | 28.4% | 26.3% | 27.6% | 29.6% | 29.6% |
| Efficiency | ||||||||||
| Days sales outstanding | 18.3 | — | — | — | — | — | — | — | — | 18.4 |
| Days of inventory on hand | — | — | — | — | 9.3 | 1.8 | 0.9 | 1.5 | 8.1 | 18.6 |
| Days payables outstanding | — | — | 341.4 | 1,100.0 | 4,915.5 | 1,084.2 | 567.7 | 605.5 | 723.3 | 756.7 |
| Cash conversion cycle (days) | — | — | — | — | — | — | — | — | — | -719.7 |
| Receivables turnover | 19.96 | — | — | — | — | — | — | — | — | 19.89 |
| Payables turnover | — | — | 1.07 | 0.33 | 0.07 | 0.34 | 0.64 | 0.60 | 0.50 | 0.48 |
| Inventory turnover | — | — | — | — | 39.19 | 201.88 | 390.62 | 244.85 | 45.32 | 19.60 |
| Asset turnover | 0.06 | 0.05 | 0.04 | 0.04 | 0.04 | 0.04 | 0.05 | 0.04 | 0.04 | 0.04 |
| Average receivables | $18.4M | — | — | — | — | — | — | — | — | $8.3M |
| Average payables | — | — | $88.1M | $89.2M | $105.8M | $98.9M | $68.0M | $52.8M | $47.2M | $45.2M |
| Average inventory | — | — | — | — | $200,500 | $165,000 | $112,000 | $130,000 | $526,000 | $1.1M |
| Intangibles / total assets | 2.8% | 1.6% | 1.7% | 1.7% | 1.8% | 2.0% | 2.2% | 2.3% | 2.5% | 2.6% |
Computed from CAC's annual financial statements (latest annual report filed March 6, 2026) and the closing share price on each fiscal year-end, adjusted for stock splits. Figures in U.S. dollars; data from EODHD. Averages use the opening and closing balance of each year.
CAC valuation and financial ratios
At the end of fiscal 2025 (December 31, 2025), Camden National traded at 11.3 times earnings, against a 10-year median of 11.5. Based on the latest twelve months, the trailing P/E is 10.8 and the forward P/E is 10.2. Camden National earned a return on equity of 10.6% and a return on invested capital of 22.7% in fiscal 2025. It ended the year with $644.3 million of debt and $1.0 billion in cash and short-term investments, a net cash position of $383.6 million. It returned $28.5 million to shareholders: $28.5 million in dividends and $0 in share buybacks, 49% of free cash flow. The share count rose 9.4% from 15.5M to 17.0M over 9 years.
See the CAC income statement, the CAC chart for price history, or the CAC stock overview for the latest quote and news.
CAC key metrics FAQ
What is Camden National's P/E ratio?
Camden National's trailing P/E ratio is 10.8 based on the last twelve months of earnings (as of October 17, 2026), and its forward P/E is 10.2. At the end of fiscal 2025 it was 11.3, compared with a 10-year median of 11.5.
What is Camden National's EV/EBITDA?
Camden National's enterprise value was 3.8 times EBITDA at the end of fiscal 2025 (enterprise value $352.2 million, EBITDA $92.7 million).
What is Camden National's return on equity?
Camden National's return on equity (ROE) was 10.6% in fiscal 2025: net income of $65.2 million on average shareholders' equity of $613.9 million.
What is Camden National's ROIC?
Camden National's return on invested capital was 22.7% in fiscal 2025, using after-tax operating income divided by average debt plus equity minus cash.
How much debt does Camden National have?
Camden National had total debt of $644.3 million at the end of fiscal 2025, a debt-to-equity ratio of 0.92 and more cash than debt.
What is Camden National's dividend yield?
Camden National's forward dividend yield is 2.99%. Camden National paid $28.5 million in dividends in fiscal 2025 ($1.68 per share), a payout ratio of 43.7%.
What is Camden National's free cash flow yield?
Camden National generated $58.2 million of free cash flow in fiscal 2025, a free cash flow yield of 7.9% on its market value at year-end ($735.8 million).
What is Camden National's current ratio?
Camden National's current ratio was 1.77 at the end of fiscal 2025: current assets were 1.77 times current liabilities.