YOLFTbeta
Camden National Corporation

Camden National Corporation

CAC · NASDAQ · Financial Services / Banks - Regional

59.47USD+0.16 (+0.27%)

Price History

Full chart

Market Stats

Previous Close59.31
Open59.28
Day Range59.00 – 59.63
52-Week Range34.12 – 60.59
Volume85.30K
Market Cap976.99M
P/E (TTM)11.08
Forward P/E10.25
EPS5.22
Dividend Yield2.95%
Beta0.54
50-Day Avg57.11
200-Day Avg50.63

About

Camden National Corporation operates as the bank holding company for Camden National Bank that provides various commercial and consumer banking products and services for consumer, institutional, municipal, non-profit, and commercial customers in the United States. The company accepts checking, savings, time, and brokered deposits, as well as deposits with the certificate of deposit account registry system. Its loan products include non-owner-occupied commercial real estate loans; owner-occupied commercial real estate loans; commercial loans; residential real estate loans, including one- to four-family residences; and consumer and home equity loans. In addition, the company provides brokerage and insurance services through its financial offerings consisting of college, retirement, estate planning, mutual funds, strategic asset management accounts, and variable and fixed annuities. Further, it offers a range of fiduciary and asset management, wealth management, investment management and advisory, financial planning, and trustee services. Camden National Corporation was founded in 1875 and is headquartered in Camden, Maine.

Company Details

  • SectorFinancial Services
  • IndustryBanks - Regional
  • CEOMr. Simon R. Griffiths
  • Employees683
  • Headquarters2 Elm Street, Camden, ME, United States, 04843, USA
  • Websitehttps://camdennationalcorporation.com

Leadership

  • Mr. Simon R. GriffithsCEO, President & Director · b. 1974
  • Mr. Michael R. Archer CPAExecutive VP & CFO · b. 1984
  • Mr. Ryan A. SmithExecutive Vice President of Commercial Banking · b. 1973
  • Ms. Patricia A. RoseExecutive Vice President of Retail & Mortgage Banking officer · b. 1964
  • Mr. Brandon Y. BoeySenior VP, General Counsel & Corporate Secretary · b. 1979
  • Ms. Renée D. SmythExecutive VP and Chief Experience & Marketing Officer · b. 1971
  • Mr. Andrew R. ForbesExecutive VP & Chief HR Officer · b. 1972
  • Mr. Timothy P. NightingaleExecutive VP & Chief Credit Officer · b. 1958
  • Mr. David J. Ackley Jr.Executive VP & Chief Risk Officer · b. 1976
  • Mr. Garrett A. McknightExecutive VP & MD of Camden National Wealth Management · b. 1972

Financials

Income Statement

Currency: USD1996-12-311997-12-311998-12-311999-12-312000-12-312001-12-312002-12-312003-12-312004-12-312005-12-312006-12-312007-12-312008-12-312009-12-312010-12-312011-12-312012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Total Revenue23.35M63.30M68.16M77.19M88.47M92.96M89.03M82.97M84.78M99.77M118.87M120.39M143.78M132.78M124.06M119.71M112.57M111.16M111.03M124.69M165.46M171.95M186.37M207.02M203.94M193.91M208.89M226.25M289.72M367.34M
Growth (%)-+171.05%+7.68%+13.24%+14.61%+5.08%-4.23%-6.80%+2.17%+17.69%+19.14%+1.28%+19.43%-7.65%-6.57%-3.50%-5.97%-1.25%-0.12%+12.30%+32.70%+3.92%+8.39%+11.08%-1.49%-4.92%+7.73%+8.31%+28.05%+26.79%
Cost of Revenue19.94M29.50M29.06M34.17M42.97M39.37M30.80M24.34M23.68M35.96M55.26M57.97M61.30M48.53M36.52M27.89M21.02M14.77M14.35M14.63M21.81M23.84M31.83M43.75M33.31M7.86M29.59M94.25M117.61M136.72M
Gross Profit3.41M33.80M39.10M43.02M45.50M53.59M58.24M58.64M61.10M63.81M63.61M62.42M82.48M84.25M87.54M91.82M91.55M96.39M96.68M110.06M143.65M148.11M154.54M163.27M170.63M186.05M179.29M226.25M172.11M230.62M
Gross Margin14.61%53.40%57.36%55.73%51.43%57.65%65.41%70.67%72.07%63.96%53.51%51.85%57.37%63.45%70.56%76.70%81.33%86.71%87.08%88.27%86.82%86.14%82.92%78.87%83.67%95.95%85.83%100.00%59.41%62.78%
Operating Expense-8.73M17.90M22.20M27.62M25.40M31.01M32.31M30.42M31.88M32.46M34.22M33.69M61.77M51.03M51.66M53.87M57.24M61.47M60.67M79.20M86.11M85.75M88.77M91.69M96.23M99.41M102.25M172.41M106.65M149.00M
Operating Income12.14M15.90M16.90M15.40M20.10M22.58M25.93M28.21M29.21M31.35M29.39M28.74M20.72M33.22M35.88M37.96M34.31M34.91M36.01M30.86M57.54M62.35M65.78M71.58M74.40M86.64M77.05M53.84M65.46M81.62M
Operating Margin52.00%25.12%24.79%19.95%22.72%24.29%29.12%34.00%34.46%31.42%24.72%23.87%14.41%25.02%28.92%31.71%30.48%31.41%32.43%24.75%34.77%36.26%35.29%34.58%36.48%44.68%36.88%23.80%22.59%22.22%
EBITDA13.16M17.40M18.53M16.49M21.47M25.13M29.05M31.07M31.40M33.62M31.02M30.98M23.92M36.48M39.65M41.14M37.47M39.07M40.21M35.78M63.87M67.92M70.27M76.17M78.91M91.00M81.16M53.84M69.33M91.54M
EBITDA Margin56.35%27.49%27.18%21.36%24.27%27.03%32.63%37.44%37.04%33.70%26.10%25.74%16.64%27.47%31.96%34.37%33.28%35.15%36.21%28.69%38.60%39.50%37.70%36.80%38.69%46.93%38.85%23.80%23.93%24.92%
Net Income8.12M10.70M11.50M10.20M13.86M15.42M17.05M18.93M19.49M21.38M20.28M20.28M15.34M22.77M24.77M26.18M23.43M22.78M24.57M20.95M40.07M28.48M53.07M57.20M59.49M69.01M61.44M43.38M53.00M65.16M
Net Income Margin34.75%16.90%16.87%13.21%15.67%16.58%19.15%22.81%22.99%21.43%17.06%16.85%10.67%17.15%19.96%21.87%20.81%20.50%22.13%16.80%24.22%16.56%28.48%27.63%29.17%35.59%29.41%19.18%18.29%17.74%
R&D---------------00000000-------
R&D as % of Total Revenue---------------0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%-------
Interest Expense19.11M27.30M27.01M30.50M40.04M35.69M27.71M24.49M24.36M34.70M53.05M57.87M56.90M40.32M30.22M23.15M17.20M12.74M12.13M12.69M16.55M20.80M30.98M40.89M20.89M11.05M25.09M93.98M117.10M117.40M
Interest Expense % of Total Revenue81.81%43.13%39.62%39.51%45.26%38.39%31.13%29.51%28.74%34.78%44.63%48.07%39.57%30.37%24.36%19.34%15.28%11.46%10.92%10.18%10.00%12.10%16.62%19.75%10.24%5.70%12.01%41.54%40.42%31.96%

Balance Sheet

Currency: USD1996-12-311997-12-311998-12-311999-12-312000-12-312001-12-312002-12-312003-12-312004-12-312005-12-312006-12-312007-12-312008-12-312009-12-312010-12-312011-12-312012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Total Assets510.08M573.90M839.30M928.40M1.01B1.09B1.22B1.37B1.49B1.65B1.77B1.72B2.34B2.24B2.31B2.30B2.56B2.60B2.79B3.71B3.86B4.07B4.30B4.43B4.90B5.50B5.67B5.71B5.81B6.97B
Total Liabilities452.21M511.20M761.40M850.70M919.78M984.29M1.10B1.25B1.36B1.52B1.66B1.60B2.18B2.04B2.10B2.08B2.33B2.37B2.54B3.35B3.47B3.66B3.86B3.96B4.37B4.96B5.22B5.22B5.27B6.28B
Total Equity57.82M62.60M77.80M77.60M90.92M105.07M118.83M119.71M126.41M129.54M107.05M120.20M166.40M190.56M206.00M218.88M233.81M231.10M245.11M363.19M391.55M403.41M435.82M473.42M529.31M541.29M451.28M495.06M531.23M696.56M
Cash19.31M13.50M18.20M24.20M29.34M38.86M33.52M37.16M31.57M30.32M33.36M28.79M35.20M29.77M31.01M39.33M58.29M51.35M60.81M79.49M87.71M102.97M67.00M75.64M145.77M220.63M75.43M99.80M214.96M97.49M
Total Debt93.76M132.50M113.70M174.00M168.44M210.84M191.90M338.41M336.82M347.04M461.72M460.13M661.80M526.14M559.92M456.23M360.16M742.87M809.13M760.75M599.67M611.50M341.51M337.89M246.77M255.94M309.51M529.94M544.95M644.29M
Net Debt74.45M119.00M95.50M149.80M139.10M171.98M158.38M301.24M305.25M316.72M428.36M431.34M626.61M496.37M528.91M416.91M301.87M478.74M516.19M493.40M511.97M508.53M274.52M262.25M101.00M35.31M234.08M430.13M329.99M546.80M

Cash Flow

Currency: USD1996-12-311997-12-311998-12-311999-12-312000-12-312001-12-312002-12-312003-12-312004-12-312005-12-312006-12-312007-12-312008-12-312009-12-312010-12-312011-12-312012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Operating Cash Flow10.06M5.60M-15.81M18.52M8.58M36.70M21.79M21.23M20.68M23.63M22.11M22.46M25.30M22.67M35.80M33.42M42.33M29.73M29.89M15.92M57.42M58.33M64.33M32.87M18.23M142.72M105.18M67.51M60.93M63.91M
Investing Cash Flow-30.43M-79.40M19.98M-93.86M-69.09M-82.18M-135.21M-154.26M-128.14M-170.51M-112.96M52.85M-100.79M109.40M-79.66M14.80M32.14M-166.91M-170.51M-54.74M-167.95M-212.13M-276.78M-55.84M-294.45M-649.09M-487.72M-7.03M30.33M-56.41M
Financing Cash Flow21.24M70.80M-2.67M81.39M65.62M55.01M108.09M136.67M101.87M145.63M93.89M-79.88M81.90M-137.50M45.09M-39.91M-55.50M130.24M150.08M57.50M118.75M169.06M176.47M31.60M346.36M581.23M237.34M-36.10M23.90M-124.97M
Capital Expenditure1.75M1.40M1.69M1.42M5.51M3.50M1.04M317.00K2.06M1.06M3.16M3.58M1.07M2.49M2.46M1.52M3.40M1.49M1.32M3.19M1.67M2.84M5.02M4.27M2.93M1.85M2.18M2.62M5.58M5.71M
Free Cash Flow8.31M4.20M-17.50M17.10M3.07M33.19M20.75M20.92M18.61M22.57M18.95M18.88M24.23M20.18M33.35M31.91M38.93M28.24M28.57M12.73M55.75M55.49M59.31M28.60M15.30M140.86M103.00M64.89M55.36M58.20M
Dividends Paid2.24M3.10M3.86M4.18M5.15M5.23M5.55M5.60M6.15M9.92M6.25M6.32M7.32M7.65M7.66M11.52M7.67M8.12M8.09M9.79M12.39M14.32M17.17M18.57M19.84M21.08M23.51M24.54M24.56M28.47M
FCF to OCF82.61%75.00%110.68%92.33%35.82%90.45%95.25%98.51%90.01%95.50%85.71%84.06%95.76%89.00%93.13%95.46%91.96%94.99%95.60%79.97%97.09%95.12%92.20%87.02%83.95%98.70%97.92%96.12%90.85%91.07%
Dividend Paid to FCF26.93%73.81%-22.08%24.46%167.59%15.74%26.74%26.77%33.04%43.94%32.95%33.45%30.20%37.93%22.98%36.12%19.70%28.76%28.30%76.87%22.23%25.81%28.95%64.93%129.65%14.97%22.83%37.81%44.36%48.92%

Earnings

Report DateMar 31, 1998Jun 30, 1998Sep 30, 1998Mar 31, 1999Jun 30, 1999Sep 30, 1999Mar 31, 2000Jun 30, 2000Sep 30, 2000Dec 31, 2000Mar 31, 2001Jun 30, 2001Sep 30, 2001Dec 31, 2001Mar 31, 2002Jun 30, 2002Oct 29, 2002Jan 28, 2003Apr 29, 2003Jul 29, 2003Oct 28, 2003Jan 27, 2004Apr 27, 2004Jul 27, 2004Oct 26, 2004Jan 25, 2005Apr 26, 2005Jul 26, 2005Oct 25, 2005Jan 31, 2006Apr 25, 2006Jul 25, 2006Oct 31, 2006Jan 30, 2007Apr 24, 2007Jul 31, 2007Oct 30, 2007Jan 29, 2008Apr 29, 2008Jul 29, 2008Oct 28, 2008Jan 27, 2009Apr 28, 2009Jul 28, 2009Oct 27, 2009Jan 26, 2010Apr 27, 2010Jul 27, 2010Oct 26, 2010Jan 25, 2011Apr 26, 2011Jul 26, 2011Oct 25, 2011Jan 31, 2012Apr 24, 2012Jul 31, 2012Oct 30, 2012Jan 29, 2013Apr 30, 2013Jul 30, 2013Oct 29, 2013Jan 28, 2014Apr 29, 2014Jul 29, 2014Oct 28, 2014Jan 27, 2015Apr 28, 2015Jul 28, 2015Oct 27, 2015Feb 4, 2016Apr 26, 2016Jul 26, 2016Oct 25, 2016Jan 31, 2017Apr 25, 2017Jul 25, 2017Oct 31, 2017Jan 30, 2018Apr 24, 2018Jul 31, 2018Oct 30, 2018Jan 29, 2019Apr 30, 2019Jul 30, 2019Oct 29, 2019Jan 28, 2020Apr 28, 2020Jul 28, 2020Oct 27, 2020Jan 26, 2021Apr 27, 2021Jul 27, 2021Oct 26, 2021Jan 25, 2022Apr 26, 2022Jul 26, 2022Oct 25, 2022Jan 31, 2023Apr 25, 2023Jul 25, 2023Oct 31, 2023Jan 30, 2024Apr 30, 2024Jul 30, 2024Oct 29, 2024Jan 28, 2025May 6, 2025Jul 29, 2025Oct 28, 2025Jan 27, 2026Apr 28, 2026Jul 28, 2026Oct 27, 2026
EPS Estimate------------------------------------------0.500.580.540.620.470.480.530.560.520.570.650.630.560.590.580.580.570.550.560.570.510.490.550.590.550.520.610.550.590.620.640.670.640.670.690.690.820.810.860.840.780.870.890.890.690.730.830.961.011.111.011.010.981.081.061.040.880.810.750.800.710.710.830.890.991.111.191.321.251.301.32
EPS Actual0.210.220.250.260.270.270.260.270.350.270.300.330.370.270.330.350.380.380.360.370.400.450.390.430.460.420.420.480.480.490.440.500.520.500.480.500.510.570.540.62-0.700.880.540.430.550.450.460.490.530.560.550.610.600.510.570.550.570.420.500.550.550.520.520.580.570.550.500.650.620.520.570.650.720.720.670.680.750.730.830.790.910.910.920.860.951.000.900.741.181.231.321.220.981.121.141.030.981.050.880.860.960.850.860.820.941.030.950.891.241.331.291.35-
Surprise------------------------------------------8.00%-25.86%1.85%-27.42%-2.13%2.08%0.00%0.00%5.77%7.02%-7.69%-19.05%1.79%-6.78%-1.72%-27.59%-12.28%0.00%-1.79%-8.77%1.96%18.37%3.64%-6.78%-9.09%25.00%1.64%-5.45%-3.39%4.84%12.50%7.46%4.69%1.49%8.70%5.80%1.22%-2.47%5.81%8.33%17.95%-1.15%6.74%12.36%30.43%1.37%42.17%28.13%30.69%9.91%-2.97%10.89%16.33%-4.63%-7.55%0.96%0.00%6.17%28.00%6.25%21.13%15.49%13.25%15.73%-4.04%-19.82%4.20%0.76%3.20%3.85%-
Timing------------------------------------------------After-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-market

Key Statistics & Ratios

Market Cap976.99M
Enterprise Value1.46B
Trailing P/E11.08
Forward P/E10.25
PEG Ratio0.00
Price / Sales3.79
Price / Book1.32
EPS5.22
Book Value42.96
Revenue (TTM)257.99M
Gross Profit (TTM)257.99M
Profit Margin34.36%
Operating Margin47.32%
Return on Equity12.87%
Return on Assets1.28%
Shares Outstanding16.90M
Shares Float16.47M
Beta0.54
Dividend Yield2.95%
Dividend Rate1.68
Payout Ratio32.25%

Analyst Ratings

Hold
Based on 4 analystsTarget 59.60
  • Buy
    1
  • Hold
    3

Ownership Breakdown

Institutions
77.26%
Insiders
2.13%
Retail / Other
20.61%

Top Institutional Holders

  • BlackRock Inc
    1.59M9.41%
  • Franklin Templeton Inc
    1.57M9.27%
  • FMR Inc
    1.41M8.33%
  • Dimensional Fund Advisors, Inc.
    862.04K5.10%
  • Vanguard Capital Management, LLC
    762.69K4.51%
  • State Street Corp
    512.75K3.03%
  • Geode Capital Management, LLC
    428.27K2.53%
  • American Century Companies Inc
    382.36K2.26%
  • Renaissance Technologies Corp
    256.39K1.52%
  • Basswood Capital Management LLC
    247.70K1.47%
  • Manufacturers Life Insurance Co
    235.77K1.40%
  • JPMorgan Chase & Co
    203.24K1.20%
  • LSV Asset Management
    200.69K1.19%
  • Hotchkis & Wiley Capital Management LLC
    196.62K1.16%

Top Fund Holders

  • Franklin Small Cap Value A
    978.52K5.79%
  • Vanguard MStar Total Stk Mkt Idx Invest
    547.39K3.24%
  • iShares Russell 2000 ETF
    453.97K2.69%
  • Avantis US Small Cap Value ETF
    374.63K2.22%
  • Fidelity Low-Priced Stock
    319.27K1.89%
  • Franklin Small Cap Value VIP 1
    270.63K1.60%

Dividends

20264×
0.42Oct 15, 20260.42Jul 15, 20260.42Apr 15, 20260.42Jan 15, 2026
20254×
0.42Oct 15, 20250.42Jul 15, 20250.42Apr 15, 20250.42Jan 15, 2025
20244×
0.42Oct 15, 20240.42Jul 15, 20240.42Apr 12, 20240.42Jan 11, 2024
20234×
0.42Oct 12, 20230.42Jul 13, 20230.42Apr 13, 20230.42Jan 12, 2023
20224×
0.40Oct 13, 20220.40Jul 14, 20220.40Apr 13, 20220.40Jan 13, 2022
20214×
0.36Oct 14, 20210.36Jul 14, 20210.36Apr 14, 20210.33Jan 14, 2021

Stock Splits

  • Oct 3, 20163:2
  • Dec 7, 1998959692:319897