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Camden National (CAC) Financials

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$53.87 -0.41 (-0.76%)
As of 11:40 AM Eastern
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Annual Income Statements for Camden National

Annual Income Statements for Camden National

This table shows Camden National's income and expenses over time, based on annual financial data. All values are USD millions unless otherwise specified.

Metric 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025
Period end date 12/31/2015 12/31/2016 12/31/2017 12/31/2018 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024 12/31/2025
Net Income / (Loss) Attributable to Common Shareholders		 21 40 28 53 57 59 69 61 43 53 65
Consolidated Net Income / (Loss)		 21 40 28 53 57 59 69 61 43 53 65
Net Income / (Loss) Continuing Operations		 21 40 28 53 57 59 69 61 43 53 65
Total Pre-Tax Income 		31 58 62 66 72 74 87 77 54 65 79
Total Revenue		 114 153 154 159 170 187 187 188 163 177 256
Net Interest Income / (Expense)		 86 113 115 120 128 136 137 148 132 132 203
Total Interest Income		 99 130 136 151 169 157 148 173 226 250 321
Loans and Leases Interest Income		 81 109 115 129 143 134 125 145 195 215 273
Investment Securities Interest Income		 17 20 21 22 23 22 22 28 28 31 45
Federal Funds Sold and Securities Borrowed Interest Income		 0.62 0.48 0.76 1.14 2.19 0.89 0.77 - 2.61 4.05 2.92
Total Interest Expense		 13 17 21 31 41 21 11 25 94 117 117
Deposits Interest Expense		 6.51 8.63 12 20 34 16 7.92 20 79 96 97
Long-Term Debt Interest Expense		 6.18 7.92 8.99 11 6.89 5.35 3.13 4.79 15 21 20
Total Non-Interest Income		 27 40 39 38 42 50 50 41 31 45 53
Other Service Charges		 21 32 35 13 40 48 47 40 39 42 49
Net Realized & Unrealized Capital Gains on Investments		 0.00 0.05 0.86 0.28 -0.11 0.00 0.00 -0.91 -10 0.00 0.00
Other Non-Interest Income		 1.68 2.59 2.37 25 2.43 2.53 2.36 1.90 2.35 2.81 3.44
Provision for Credit Losses		 1.94 5.26 3.04 0.85 2.86 12 -3.19 4.50 2.10 -0.40 22
Total Non-Interest Expense		 81 90 89 92 95 100 104 107 107 112 155
Salaries and Employee Benefits		 37 47 49 52 54 58 61 62 60 64 80
Net Occupancy & Equipment Expense		 14 17 17 17 18 19 20 21 21 22 29
Other Operating Expenses		 18 23 21 22 22 22 22 24 26 24 31
Amortization Expense		 1.31 1.90 1.80 0.73 0.71 0.68 0.66 0.63 0.59 0.56 5.89
Restructuring Charge		 10 0.87 - - - - - 0.00 0.00 1.16 9.29
Income Tax Expense		 9.91 17 34 13 14 15 18 16 10 12 13
Basic Earnings per Share		 $1.73 $2.59 $1.83 $3.40 $3.70 $3.96 $4.62 $4.18 $2.98 $3.63 $3.86
Weighted Average Basic Shares Outstanding		 12.03M 15.42M 15.51M 15.57M 15.41M 14.99M 14.90M 14.64M 14.56M 14.58M 16.90M
Diluted Earnings per Share		 $1.73 $2.57 $1.82 $3.39 $3.69 $3.95 $4.60 $4.17 $2.97 $3.62 $3.84
Weighted Average Diluted Shares Outstanding		 12.07M 15.50M 15.59M 15.63M 15.45M 15.02M 14.97M 14.70M 14.61M 14.63M 16.98M
Weighted Average Basic & Diluted Shares Outstanding		 12.10M 15.50M 15.60M 15.60M 15.50M 14.91M 14.74M 14.57M 14.57M 16.86M 16.93M
Cash Dividends to Common per Share		 $1.20 $0.83 $0.94 $1.15 $1.23 $1.32 $1.48 $1.62 $1.68 $1.68 $1.68

Quarterly Income Statements for Camden National

This table shows Camden National's income and expenses over time, based on quarterly financial data. All values are USD millions unless otherwise specified.

Metric Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026
Period end date 9/30/2023 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025 6/30/2025 9/30/2025 12/31/2025 3/31/2026
Net Income / (Loss) Attributable to Common Shareholders		 9.79 8.48 13 12 13 15 7.33 14 21 23 22
Consolidated Net Income / (Loss)		 9.79 8.48 13 12 13 15 7.33 14 21 23 22
Net Income / (Loss) Continuing Operations		 9.79 8.48 13 12 13 15 7.33 14 21 23 22
Total Pre-Tax Income 		12 10 16 15 16 18 6.17 18 26 28 28
Total Revenue		 38 39 42 43 45 48 60 62 65 68 64
Net Interest Income / (Expense)		 33 33 31 32 34 35 49 49 51 54 52
Total Interest Income		 58 60 60 62 64 63 78 79 81 82 78
Loans and Leases Interest Income		 50 51 52 53 55 54 67 67 69 70 67
Investment Securities Interest Income		 6.86 10 7.80 7.79 7.47 12 11 11 11 11 11
Federal Funds Sold and Securities Borrowed Interest Income		 0.69 - 0.67 0.95 0.76 - 1.09 0.64 0.58 0.61 0.53
Total Interest Expense		 25 27 29 30 30 28 30 30 30 28 26
Deposits Interest Expense		 21 23 23 24 25 23 25 25 25 23 22
Long-Term Debt Interest Expense		 4.12 4.25 5.73 5.81 5.08 4.67 4.92 5.52 4.90 4.77 4.37
Total Non-Interest Income		 5.07 5.99 10 11 11 12 11 13 14 14 12
Other Service Charges		 9.76 -17 9.64 9.95 11 11 11 12 13 13 11
Other Non-Interest Income		 0.64 28 0.68 0.69 0.71 0.72 0.66 1.00 0.96 0.82 0.79
Provision for Credit Losses		 -0.57 0.57 -2.10 0.65 0.24 0.81 9.43 6.92 2.97 2.97 0.55
Total Non-Interest Expense		 26 28 27 27 29 28 44 38 36 37 36
Salaries and Employee Benefits		 15 15 16 16 17 16 20 19 20 20 20
Net Occupancy & Equipment Expense		 5.19 5.54 5.70 5.48 5.47 5.63 7.76 6.99 6.84 7.37 7.70
Other Operating Expenses		 6.13 6.75 5.57 6.09 6.02 6.19 7.45 8.34 7.21 7.90 7.04
Amortization Expense		 0.15 0.15 0.14 0.14 0.14 0.14 1.47 1.47 1.47 1.47 1.35
Restructuring Charge		 0.00 - 0.00 0.00 0.73 - 7.53 1.41 0.32 0.04 0.00
Income Tax Expense		 2.24 1.80 3.06 2.88 2.78 3.74 -1.15 3.68 5.30 5.66 6.19
Basic Earnings per Share		 $0.67 $0.59 $0.91 $0.82 $0.90 $1.00 $0.43 $0.84 $1.25 $1.34 $1.29
Weighted Average Basic Shares Outstanding		 14.56M 14.56M 14.57M 14.59M 14.58M 14.58M 16.84M 16.91M 16.92M 16.90M 16.92M
Diluted Earnings per Share		 $0.67 $0.58 $0.91 $0.81 $0.90 $1.00 $0.43 $0.83 $1.25 $1.33 $1.29
Weighted Average Diluted Shares Outstanding		 14.60M 14.61M 14.63M 14.65M 14.65M 14.63M 16.93M 16.97M 17.01M 16.98M 17.02M
Weighted Average Basic & Diluted Shares Outstanding		 14.56M 14.57M 14.61M 14.57M 14.58M 16.86M 16.90M 16.92M 16.92M 16.93M 16.91M
Cash Dividends to Common per Share		 $0.42 $0.42 $0.42 $0.42 $0.42 $0.42 $0.42 $0.42 $0.42 $0.42 $0.42

Annual Cash Flow Statements for Camden National

This table details how cash moves in and out of Camden National's business through operations, investing, and financing, using annual figures. All values are USD millions unless otherwise specified.

Metric 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025
Period end date 12/31/2015 12/31/2016 12/31/2017 12/31/2018 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024 12/31/2025
Net Change in Cash & Equivalents		 19 8.22 15 -36 8.64 70 75 -145 24 115 -117
Net Cash From Operating Activities		 16 57 58 64 33 18 143 105 68 61 64
Net Cash From Continuing Operating Activities		 16 57 58 64 33 18 143 105 68 61 64
Net Income / (Loss) Continuing Operations		 21 40 28 53 57 59 69 61 43 53 65
Consolidated Net Income / (Loss)		 21 40 28 53 57 59 69 61 43 53 65
Provision For Loan Losses		 1.94 5.26 3.04 0.85 2.86 12 -3.19 4.50 2.10 -0.40 22
Depreciation Expense		 3.25 4.43 3.76 3.77 3.89 3.83 3.71 3.49 3.37 3.31 5.21
Amortization Expense		 3.55 5.04 4.92 3.93 3.70 5.49 7.38 4.46 2.90 2.34 7.67
Non-Cash Adjustments to Reconcile Net Income		 -8.86 -7.91 5.65 3.12 -7.20 -30 36 5.29 9.37 2.34 -21
Changes in Operating Assets and Liabilities, net		 -4.90 11 12 -0.40 -28 -33 30 26 6.38 0.35 -16
Net Cash From Investing Activities		 -55 -168 -212 -277 -56 -294 -649 -488 -7.03 30 -56
Net Cash From Continuing Investing Activities		 -55 -168 -212 -277 -56 -294 -649 -488 -7.03 30 -56
Purchase of Property, Leasehold Improvements and Equipment		 -3.19 -1.67 -2.84 -5.02 -4.27 -2.93 -1.85 -2.18 -2.62 -5.58 -5.71
Purchase of Investment Securities		 -270 -352 -365 -232 -339 -433 -759 -138 -137 -60 -240
Sale of Property, Leasehold Improvements and Equipment		 0.00 0.09 0.14 0.75 - 0.00 0.00 0.47 0.00 0.00 3.19
Divestitures		 60 - - - - - - - 0.00 0.00 48
Sale and/or Maturity of Investments		 160 193 168 219 372 276 323 275 254 134 234
Other Investing Activities, net		 -1.59 -7.34 -12 -259 -84 -134 -212 -623 -122 -37 -96
Net Cash From Financing Activities		 58 119 169 176 32 346 581 237 -36 24 -125
Net Cash From Continuing Financing Activities		 58 119 169 176 32 346 581 237 -36 24 -125
Net Change in Deposits		 72 103 172 464 73 468 604 218 -230 36 -67
Issuance of Debt		 24 77 37 0.00 0.00 25 49 54 220 375 17
Issuance of Common Equity		 0.75 0.89 - - -0.20 -0.12 -0.26 -0.36 -0.26 -0.22 -0.54
Repayment of Debt		 -29 -50 -25 -270 -2.17 -117 -40 -0.16 -0.17 -360 -45
Repurchase of Common Equity		 - 0.00 -0.61 -0.38 -21 -9.69 -10 -10 -2.00 -1.61 0.00
Payment of Dividends		 -9.79 -12 -14 -17 -19 -20 -21 -24 -25 -25 -28
Other Financing Activities, Net		 -0.61 - - - - - - 0.00 0.00 -0.25 0.00
Cash Interest Paid		 13 17 21 30 41 22 11 25 92 117 117
Cash Income Taxes Paid		 12 11 17 11 14 16 19 13 11 8.82 6.15

Quarterly Cash Flow Statements for Camden National

This table details how cash moves in and out of Camden National's business through operations, investing, and financing, using quarterly figures. All values are USD millions unless otherwise specified.

Metric Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026
Period end date 9/30/2023 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025 6/30/2025 9/30/2025 12/31/2025 3/31/2026
Net Change in Cash & Equivalents		 117 -112 77 -71 34 75 4.45 -106 -15 -1.36 36
Net Cash From Operating Activities		 47 -11 18 14 -15 43 1.03 6.03 36 21 20
Net Cash From Continuing Operating Activities		 47 -11 18 14 -15 43 1.03 6.03 36 21 20
Net Income / (Loss) Continuing Operations		 9.79 8.48 13 12 13 15 7.33 14 21 23 22
Consolidated Net Income / (Loss)		 9.79 8.48 13 12 13 15 7.33 14 21 23 22
Provision For Loan Losses		 -0.57 0.57 -2.10 0.65 0.24 0.81 9.43 6.92 2.97 2.97 0.55
Depreciation Expense		 0.82 0.91 0.82 0.82 0.82 0.86 1.51 1.32 1.20 1.18 1.27
Amortization Expense		 2.58 -1.19 0.58 0.58 0.60 0.57 1.72 2.76 1.95 1.89 1.62
Non-Cash Adjustments to Reconcile Net Income		 0.09 8.24 2.01 1.08 -8.21 1.55 -4.98 -16 9.93 -9.75 -4.24
Changes in Operating Assets and Liabilities, net		 34 -28 3.19 -0.63 -21 25 -14 -2.56 -1.15 1.90 -1.07
Net Cash From Investing Activities		 70 -29 -4.78 8.87 30 -3.55 62 -53 -82 17 46
Net Cash From Continuing Investing Activities		 70 -29 -4.78 8.87 30 -3.55 62 -53 -82 17 46
Purchase of Property, Leasehold Improvements and Equipment		 -0.70 -0.89 -0.55 -1.29 -1.71 -2.03 -1.76 -1.49 -0.69 -1.77 -1.78
Purchase of Investment Securities		 44 -85 0.00 -19 20 -34 -81 -45 -44 -70 -3.10
Divestitures		 - - 0.00 - - - 48 - - - 0.00
Sale and/or Maturity of Investments		 87 93 28 34 36 36 96 43 45 51 52
Other Investing Activities, net		 -60 -36 -32 -4.69 -24 -2.89 0.54 -49 -85 38 -0.91
Net Cash From Financing Activities		 0.45 -72 64 -95 19 36 -59 -58 31 -39 -30
Net Cash From Continuing Financing Activities		 0.45 -72 64 -95 19 36 -59 -58 31 -39 -30
Net Change in Deposits		 -15 -81 -46 -38 61 58 -7.42 -83 -112 135 48
Issuance of Debt		 22 15 251 6.11 134 119 -44 32 150 -167 -68
Issuance of Common Equity		 - -0.08 0.07 - - -0.02 -0.15 -0.36 -0.01 -0.01 -0.35
Repayment of Debt		 -0.04 -0.04 -135 -55 -170 -135 -0.20 -0.05 -0.05 -0.05 -0.20
Repurchase of Common Equity		 0.17 - 0.00 -1.83 0.12 0.04 0.00 - - - -1.49
Payment of Dividends		 -6.13 -6.13 -6.14 -6.14 -6.14 -6.14 -7.10 -7.12 -7.13 -7.13 -7.13
Cash Interest Paid		 25 27 29 30 30 28 29 30 30 28 26
Cash Income Taxes Paid		 3.95 2.30 0.10 5.16 3.34 0.23 0.13 0.86 2.66 2.52 0.23

Annual Balance Sheets for Camden National

This table presents Camden National's assets and liabilities at the end of each period, using annual balance sheet data. All values are USD millions unless otherwise specified.

Metric 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025
Period end date 12/31/2015 12/31/2016 12/31/2017 12/31/2018 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024 12/31/2025
Total Assets		 3,709 3,864 4,065 4,297 4,430 4,899 5,500 5,672 5,715 5,805 6,975
Cash and Due from Banks		 79 52 44 52 40 50 39 51 78 62 72
Interest Bearing Deposits at Other Banks		 - 36 59 15 36 96 182 25 22 153 26
Trading Account Securities		 834 874 884 912 923 1,121 1,513 1,246 1,175 1,117 1,421
Loans and Leases, Net of Allowance		 2,469 2,571 2,758 3,002 3,070 3,182 3,398 3,973 4,061 4,080 4,920
Loans and Leases		 2,490 2,595 2,782 3,026 3,095 3,220 3,431 4,010 4,098 4,115 4,965
Allowance for Loan and Lease Losses		 21 23 24 25 25 38 33 37 37 36 45
Loans Held for Sale		 11 15 8.10 4.40 12 42 3,404 5.20 10 11 15
Premises and Equipment, Net		 46 43 42 42 42 40 38 36 35 37 51
Goodwill		 96 95 95 95 95 95 95 95 95 95 152
Intangible Assets		 8.67 6.76 4.96 4.23 3.53 2.84 2.19 1.56 0.97 0.42 43
Other Assets		 165 171 171 171 209 271 228 239 237 251 275
Total Liabilities & Shareholders' Equity		 3,709 3,864 4,065 4,297 4,430 4,899 5,500 5,672 5,715 5,805 6,975
Total Liabilities		 3,346 3,473 3,662 3,862 3,956 4,369 4,959 5,221 5,219 5,274 6,278
Interest Bearing Deposits		 2,726 2,829 3,000 3,464 3,538 4,005 4,609 4,827 4,597 4,633 5,538
Short-Term Debt		 36 11 11 282 269 162 212 265 486 501 582
Accrued Interest Payable		 47 44 50 56 80 117 94 84 92 96 96
Long-Term Debt		 536 589 601 59 69 84 44 44 44 44 62
Commitments & Contingencies		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Total Equity & Noncontrolling Interests		 363 392 403 436 473 529 541 451 495 531 697
Total Preferred & Common Equity		 363 392 403 436 473 529 541 451 495 531 697
Total Common Equity		 363 392 403 436 473 529 541 451 495 531 697
Common Stock		 153 156 157 158 139 131 123 115 116 116 216
Retained Earnings		 222 249 267 302 341 378 424 462 481 509 545
Accumulated Other Comprehensive Income / (Loss)		 -12 -14 -20 -24 -6.27 21 -6.23 -126 -102 -95 -64

Quarterly Balance Sheets for Camden National

This table presents Camden National's assets and liabilities at the end of each period, using quarterly balance sheet data. All values are USD millions unless otherwise specified.

Metric Q3 2022 Q1 2023 Q2 2023 Q3 2023 Q1 2024 Q2 2024 Q3 2024 Q1 2025 Q2 2025 Q3 2025 Q1 2026
Period end date 9/30/2022 3/31/2023 6/30/2023 9/30/2023 3/31/2024 6/30/2024 9/30/2024 3/31/2025 6/30/2025 9/30/2025 3/31/2026
Total Assets		 5,552 5,717 5,744 5,780 5,795 5,724 5,745 6,965 6,920 6,982 6,962
Cash and Due from Banks		 55 54 51 91 69 79 69 85 98 73 62
Interest Bearing Deposits at Other Banks		 27 22 43 120 108 27 70 135 16 26 71
Trading Account Securities		 1,262 1,230 1,197 1,143 1,147 1,118 1,135 1,358 1,375 1,390 1,379
Loans and Leases, Net of Allowance		 3,824 4,036 4,063 4,022 4,085 4,104 4,081 4,838 4,878 4,957 4,917
Loans and Leases		 3,861 4,073 4,100 4,058 4,121 4,139 4,117 4,885 4,931 5,003 4,963
Allowance for Loan and Lease Losses		 37 37 37 36 36 35 35 47 53 46 46
Loans Held for Sale		 4.63 4,041 12 11 9.52 14 12 11 23 9.78 18
Premises and Equipment, Net		 36 36 35 35 35 35 36 53 53 51 51
Goodwill		 95 95 95 95 95 95 95 154 152 152 152
Intangible Assets		 1.72 1.42 1.27 1.12 0.83 0.69 0.55 47 46 44 41
Other Assets		 247 238 246 261 246 252 247 284 280 279 269
Total Liabilities & Shareholders' Equity		 5,552 5,717 5,744 5,780 5,795 5,724 5,745 6,965 6,920 6,982 6,962
Total Liabilities		 5,121 5,252 5,277 5,316 5,293 5,216 5,215 6,325 6,268 6,305 6,252
Interest Bearing Deposits		 4,569 4,643 4,694 4,678 4,552 4,514 4,575 5,597 5,515 5,403 5,585
Short-Term Debt		 421 486 448 470 601 553 516 567 599 748 513
Accrued Interest Payable		 87 78 90 124 96 105 79 99 92 91 90
Long-Term Debt		 44 44 44 44 44 44 44 61 61 62 63
Commitments & Contingencies		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Total Equity & Noncontrolling Interests		 431 465 467 463 502 508 530 640 652 676 710
Total Preferred & Common Equity		 431 465 467 463 502 508 530 640 652 676 710
Total Common Equity		 431 465 467 463 502 508 530 640 652 676 710
Common Stock		 115 116 114 115 116 116 116 214 214 215 215
Retained Earnings		 453 469 475 479 488 494 501 509 516 530 560
Accumulated Other Comprehensive Income / (Loss)		 -136 -119 -122 -130 -103 -101 -87 -82 -78 -68 -65

Annual Metrics And Ratios for Camden National

This table displays calculated financial ratios and metrics derived from Camden National's official financial filings.

Metric 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025
Period end date 12/31/2015 12/31/2016 12/31/2017 12/31/2018 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024 12/31/2025
DEI Shares Outstanding		 10,204,101.00 15,440,981.00 15,516,049.00 15,584,743.00 15,192,799.00 14,916,644.00 14,849,347.00 - - - 16,922,225.00
DEI Adjusted Shares Outstanding		 15,306,151.00 15,440,981.00 15,516,049.00 15,584,743.00 15,192,799.00 14,916,644.00 14,849,347.00 - - - 16,922,225.00
DEI Earnings Per Adjusted Shares Outstanding		 1.37 2.59 1.84 3.41 3.77 3.99 4.65 - - - 3.85
Growth Metrics		 - - - - - - - - - - -
Revenue Growth		 13.22% 34.02% 0.79% 3.03% 7.05% 10.05% 0.20% 0.65% -13.32% 8.39% 44.51%
EBITDA Growth		 -9.02% 77.93% 6.02% 3.43% 7.76% 5.73% 16.74% -13.03% -29.28% 18.29% 28.73%
EBIT Growth		 -14.30% 86.46% 8.37% 5.49% 8.82% 3.94% 16.46% -11.07% -30.13% 21.59% 20.16%
NOPAT Growth		 -14.73% 91.23% -28.93% 86.37% 7.79% 3.99% 16.02% -10.98% -29.39% 22.18% 22.93%
Net Income Growth		 -14.73% 91.23% -28.93% 86.37% 7.79% 3.99% 16.02% -10.98% -29.39% 22.18% 22.93%
EPS Growth		 -14.73% 48.55% -29.18% 86.26% 8.85% 7.05% 16.46% -9.35% -28.78% 21.89% 6.08%
Operating Cash Flow Growth		 -46.74% 260.71% 1.60% 10.29% -48.91% -44.54% 682.86% -26.30% -35.82% -9.74% 4.89%
Free Cash Flow Firm Growth		 -154.42% 83.13% 130.68% 5,971.49% -92.00% 307.53% -49.46% 104.51% -325.60% 100.83% -11,044.05%
Invested Capital Growth		 13.80% 5.95% 2.39% -23.41% 4.37% -4.34% 2.73% -4.57% 34.73% 4.99% 24.59%
Revenue Q/Q Growth		 8.97% 2.39% 0.72% 1.00% 1.87% 6.22% -3.22% -1.12% -4.71% 5.28% 8.70%
EBITDA Q/Q Growth		 -11.22% 24.23% 0.50% 1.48% 2.36% 13.30% -7.33% -2.58% -15.51% 16.06% 14.31%
EBIT Q/Q Growth		 -16.74% 29.84% 0.86% 2.04% 2.40% 13.79% -7.94% -1.78% -14.36% 14.17% 14.27%
NOPAT Q/Q Growth		 -17.34% 29.85% -33.08% 47.74% 2.25% 5.39% -2.52% -1.82% -13.67% 13.21% 13.78%
Net Income Q/Q Growth		 -17.34% 29.85% -33.08% 47.74% 2.25% 5.39% -2.52% -1.82% -13.67% 13.21% 13.78%
EPS Q/Q Growth		 -17.34% 28.50% -33.58% 46.75% 1.10% 6.18% -2.34% -1.42% -13.66% 13.13% 9.40%
Operating Cash Flow Q/Q Growth		 -46.09% 111.32% -12.68% -7.42% 141.04% -24.32% 5.07% -9.14% -32.00% 844.99% -25.98%
Free Cash Flow Firm Q/Q Growth		 -449.84% 84.13% 117.12% 79.55% -83.26% 61.36% -40.77% 405.96% -610.63% 102.76% 41.24%
Invested Capital Q/Q Growth		 13.63% 4.07% -0.79% -13.34% -0.35% -4.41% -0.58% -15.13% 4.83% -1.32% -9.85%
Profitability Metrics		 - - - - - - - - - - -
EBITDA Margin		 33.05% 43.88% 46.16% 46.34% 46.64% 44.81% 52.21% 45.11% 36.81% 40.17% 35.79%
EBIT Margin		 27.09% 37.68% 40.52% 41.48% 42.17% 39.83% 46.29% 40.90% 32.97% 36.98% 30.75%
Profit (Net Income) Margin		 18.39% 26.24% 18.50% 33.47% 33.70% 31.85% 36.87% 32.61% 26.57% 29.95% 25.48%
Tax Burden Percent		 67.90% 69.63% 45.67% 80.68% 79.92% 79.96% 79.66% 79.74% 80.58% 80.97% 82.84%
Interest Burden Percent		 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00%
Effective Tax Rate		 32.10% 30.37% 54.33% 19.32% 20.08% 20.04% 20.34% 20.26% 19.42% 19.03% 17.16%
Return on Invested Capital (ROIC)		 2.38% 4.16% 2.84% 5.92% 7.20% 7.49% 8.77% 7.89% 4.86% 5.05% 5.39%
ROIC Less NNEP Spread (ROIC-NNEP)		 2.38% 4.16% 2.84% 5.92% 7.20% 7.49% 8.77% 7.89% 4.86% 5.05% 5.39%
Return on Net Nonoperating Assets (RNNOA)		 4.50% 6.46% 4.33% 6.73% 5.38% 4.37% 4.12% 4.49% 4.31% 5.28% 5.22%
Return on Equity (ROE)		 6.89% 10.62% 7.16% 12.65% 12.58% 11.86% 12.89% 12.38% 9.17% 10.33% 10.61%
Cash Return on Invested Capital (CROIC)		 -10.52% -1.62% 0.48% 32.43% 2.93% 11.93% 6.08% 12.57% -24.73% 0.17% -16.51%
Operating Return on Assets (OROA)		 0.95% 1.52% 1.57% 1.57% 1.64% 1.60% 1.67% 1.38% 0.95% 1.14% 1.23%
Return on Assets (ROA)		 0.64% 1.06% 0.72% 1.27% 1.31% 1.28% 1.33% 1.10% 0.76% 0.92% 1.02%
Return on Common Equity (ROCE)		 6.89% 10.62% 7.16% 12.65% 12.58% 11.86% 12.89% 12.38% 9.17% 10.33% 10.61%
Return on Equity Simple (ROE_SIMPLE)		 5.77% 10.23% 7.06% 12.18% 12.08% 11.24% 12.75% 13.61% 8.76% 9.98% 9.35%
Net Operating Profit after Tax (NOPAT)		 21 40 28 53 57 59 69 61 43 53 65
NOPAT Margin		 18.39% 26.24% 18.50% 33.47% 33.70% 31.85% 36.87% 32.61% 26.57% 29.95% 25.48%
Net Nonoperating Expense Percent (NNEP)		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
SG&A Expenses to Revenue		 44.74% 41.85% 42.81% 43.36% 42.66% 41.37% 43.16% 43.87% 49.64% 48.79% 42.52%
Operating Expenses to Revenue		 71.22% 58.87% 57.51% 57.98% 56.15% 53.52% 55.41% 56.72% 65.75% 63.24% 60.53%
Earnings before Interest and Taxes (EBIT)		 31 58 62 66 72 74 87 77 54 65 79
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)		 38 67 71 73 79 84 98 85 60 71 92
Valuation Ratios		 - - - - - - - - - - -
Price to Book Value (P/BV)		 0.92 1.34 1.27 1.03 1.22 0.86 1.17 1.21 1.05 1.16 1.04
Price to Tangible Book Value (P/TBV)		 1.29 1.81 1.68 1.33 1.54 1.06 1.42 1.53 1.30 1.41 1.45
Price to Revenue (P/Rev)		 2.94 3.44 3.32 2.83 3.40 2.45 3.38 2.89 3.17 3.49 2.84
Price to Earnings (P/E)		 15.97 13.10 17.93 8.46 10.09 7.68 9.16 8.87 11.93 11.64 11.16
Dividend Yield		 3.66% 2.35% 2.80% 3.82% 3.16% 4.31% 3.31% 4.28% 4.73% 3.97% 3.91%
Earnings Yield		 6.26% 7.63% 5.58% 11.82% 9.92% 13.02% 10.92% 11.28% 8.39% 8.59% 8.96%
Enterprise Value to Invested Capital (EV/IC)		 0.88 1.05 1.00 0.93 1.03 0.72 0.84 1.02 0.92 0.88 0.95
Enterprise Value to Revenue (EV/Rev)		 7.26 6.79 6.62 4.56 4.94 2.99 3.56 4.13 5.80 5.35 4.98
Enterprise Value to EBITDA (EV/EBITDA)		 21.97 15.47 14.35 9.85 10.60 6.67 6.83 9.16 15.76 13.32 13.92
Enterprise Value to EBIT (EV/EBIT)		 26.81 18.02 16.34 11.00 11.72 7.50 7.70 10.11 17.60 14.47 16.20
Enterprise Value to NOPAT (EV/NOPAT)		 39.49 25.88 35.79 13.63 14.67 9.38 9.67 12.68 21.84 17.87 19.55
Enterprise Value to Operating Cash Flow (EV/OCF)		 51.98 18.06 17.47 11.25 25.53 30.61 4.68 7.41 14.04 15.54 19.93
Enterprise Value to Free Cash Flow (EV/FCFF)		 0.00 0.00 212.90 2.49 36.11 5.89 13.94 7.96 0.00 519.47 0.00
Leverage & Solvency		 - - - - - - - - - - -
Debt to Equity		 1.58 1.53 1.52 0.78 0.71 0.47 0.47 0.69 1.07 1.03 0.93
Long-Term Debt to Equity		 1.48 1.50 1.49 0.14 0.15 0.16 0.08 0.10 0.09 0.08 0.09
Financial Leverage		 1.89 1.55 1.52 1.14 0.75 0.58 0.47 0.57 0.89 1.05 0.97
Leverage Ratio		 10.68 10.03 9.97 9.96 9.60 9.30 9.71 11.26 12.03 11.22 10.41
Compound Leverage Factor		 10.68 10.03 9.97 9.96 9.60 9.30 9.71 11.26 12.03 11.22 10.41
Debt to Total Capital		 61.18% 60.50% 60.25% 43.93% 41.65% 31.80% 32.10% 40.68% 51.70% 50.64% 48.05%
Short-Term Debt to Total Capital		 3.84% 1.09% 1.06% 36.34% 33.13% 20.93% 26.54% 34.86% 47.38% 46.52% 43.39%
Long-Term Debt to Total Capital		 57.34% 59.41% 59.19% 7.60% 8.51% 10.87% 5.56% 5.83% 4.33% 4.12% 4.66%
Preferred Equity to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Noncontrolling Interests to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Common Equity to Total Capital		 38.82% 39.50% 39.75% 56.07% 58.35% 68.20% 67.90% 59.32% 48.30% 49.36% 51.95%
Debt to EBITDA		 15.20 8.95 8.61 4.65 4.27 2.95 2.62 3.64 8.82 7.66 7.04
Net Debt to EBITDA		 13.09 7.64 7.16 3.74 3.31 1.21 0.36 2.75 7.16 4.64 5.97
Long-Term Debt to EBITDA		 14.25 8.79 8.46 0.80 0.87 1.01 0.45 0.52 0.74 0.62 0.68
Debt to NOPAT		 27.32 14.97 21.47 6.44 5.91 4.15 3.71 5.04 12.22 10.28 9.89
Net Debt to NOPAT		 23.52 12.78 17.86 5.17 4.58 1.70 0.51 3.81 9.91 6.23 8.39
Long-Term Debt to NOPAT		 25.60 14.70 21.10 1.11 1.21 1.42 0.64 0.72 1.02 0.84 0.96
Noncontrolling Interest Sharing Ratio		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Liquidity Ratios		 - - - - - - - - - - -
Cash Flow Metrics		 - - - - - - - - - - -
Free Cash Flow to Firm (FCFF)		 -92 -16 4.79 291 23 95 48 98 -221 1.82 -200
Operating Cash Flow to CapEx		 499.15% 3,631.75% 2,154.93% 1,505.95% 770.35% 623.03% 7,706.05% 6,125.98% 2,574.68% 1,092.77% 2,534.18%
Free Cash Flow to Firm to Interest Expense		 -7.29 -0.94 0.23 9.38 0.57 4.53 4.33 3.90 -2.35 0.02 -1.70
Operating Cash Flow to Interest Expense		 1.25 3.47 2.80 2.08 0.80 0.87 12.92 4.19 0.72 0.52 0.54
Operating Cash Flow Less CapEx to Interest Expense		 1.00 3.37 2.67 1.94 0.70 0.73 12.75 4.12 0.69 0.47 0.52
Efficiency Ratios		 - - - - - - - - - - -
Asset Turnover		 0.04 0.04 0.04 0.04 0.04 0.04 0.04 0.03 0.03 0.03 0.04
Fixed Asset Turnover		 3.26 3.44 3.63 3.76 4.03 4.57 4.82 5.11 4.60 4.91 5.79
Capital & Investment Metrics		 - - - - - - - - - - -
Invested Capital		 936 991 1,015 777 811 776 797 761 1,025 1,076 1,341
Invested Capital Turnover		 0.13 0.16 0.15 0.18 0.21 0.24 0.24 0.24 0.18 0.17 0.21
Increase / (Decrease) in Invested Capital		 113 56 24 -238 34 -35 21 -36 264 51 265
Enterprise Value (EV)		 827 1,037 1,019 724 839 558 667 779 947 947 1,274
Market Capitalization		 335 525 511 449 577 457 632 545 517 617 727
Book Value per Share		 $35.59 $25.36 $26.00 $27.96 $31.16 $35.48 $36.45 $30.98 $34.01 $36.44 $41.16
Tangible Book Value per Share		 $25.37 $18.79 $19.58 $21.62 $24.70 $28.95 $29.93 $24.37 $27.43 $29.92 $29.69
Total Capital		 936 991 1,015 777 811 776 797 761 1,025 1,076 1,341
Total Debt		 572 600 611 342 338 247 256 310 530 545 644
Total Long-Term Debt		 536 589 601 59 69 84 44 44 44 44 63
Net Debt		 493 512 509 275 262 101 35 234 430 330 547
Capital Expenditures (CapEx)		 3.19 1.58 2.71 4.27 4.27 2.93 1.85 1.72 2.62 5.58 2.52
Net Nonoperating Expense (NNE)		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Net Nonoperating Obligations (NNO)		 572 600 611 342 338 247 256 310 530 545 644
Total Depreciation and Amortization (D&A)		 6.80 9.46 8.68 7.70 7.59 9.31 11 7.95 6.28 5.65 13
Earnings Adjustments		 - - - - - - - - - - -
Adjusted Basic Earnings per Share		 $1.73 $2.59 $1.83 $3.40 $3.70 $3.96 $4.62 $4.18 $2.98 $3.63 $3.86
Adjusted Weighted Average Basic Shares Outstanding		 12.03M 15.42M 15.51M 15.57M 15.41M 14.99M 14.90M 14.64M 14.56M 14.58M 16.90M
Adjusted Diluted Earnings per Share		 $1.73 $2.57 $1.82 $3.39 $3.69 $3.95 $4.60 $4.17 $2.97 $3.62 $3.84
Adjusted Weighted Average Diluted Shares Outstanding		 12.07M 15.50M 15.59M 15.63M 15.45M 15.02M 14.97M 14.70M 14.61M 14.63M 16.98M
Adjusted Basic & Diluted Earnings per Share		 $0.00 $0.00 $0.00 $0.00 $3.70 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding		 15.40M 15.49M 15.54M 15.59M 15.15M 14.91M 14.74M 14.57M 14.57M 16.86M 16.93M
Normalized Net Operating Profit after Tax (NOPAT)		 28 41 44 53 57 59 69 61 43 54 73
Normalized NOPAT Margin		 24.60% 26.64% 28.36% 33.47% 33.70% 31.85% 36.87% 32.61% 26.57% 30.48% 28.48%
Pre Tax Income Margin		 27.09% 37.68% 40.52% 41.48% 42.17% 39.83% 46.29% 40.90% 32.97% 36.98% 30.75%
Debt Service Ratios		 - - - - - - - - - - -
EBIT to Interest Expense		 2.43 3.48 3.00 2.12 1.75 3.56 7.84 3.07 0.57 0.56 0.67
NOPAT to Interest Expense		 1.65 2.42 1.37 1.71 1.40 2.85 6.25 2.45 0.46 0.45 0.56
EBIT Less CapEx to Interest Expense		 2.18 3.38 2.87 1.99 1.65 3.42 7.67 3.00 0.54 0.51 0.65
NOPAT Less CapEx to Interest Expense		 1.40 2.32 1.24 1.58 1.29 2.71 6.08 2.38 0.43 0.41 0.53
Payout Ratios		 - - - - - - - - - - -
Dividend Payout Ratio		 46.70% 30.93% 50.30% 32.35% 32.47% 33.36% 30.55% 38.27% 56.56% 46.33% 43.70%
Augmented Payout Ratio		 46.70% 30.93% 52.43% 33.06% 68.82% 49.64% 45.17% 54.94% 61.17% 49.37% 43.70%

Quarterly Metrics And Ratios for Camden National

This table displays calculated financial ratios and metrics derived from Camden National's official financial filings.

Metric Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026
Period end date 9/30/2023 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025 6/30/2025 9/30/2025 12/31/2025 3/31/2026
DEI Shares Outstanding		 - - - - - - 16,864,810.00 16,902,160.00 16,920,277.00 16,922,225.00 16,925,329.00
DEI Adjusted Shares Outstanding		 - - - - - - 16,864,810.00 16,902,160.00 16,920,277.00 16,922,225.00 16,925,329.00
DEI Earnings Per Adjusted Shares Outstanding		 - - - - - - 0.43 0.83 1.25 1.33 1.29
Growth Metrics		 - - - - - - - - - - -
Revenue Growth		 -21.17% -17.25% -5.78% 0.07% 19.48% 22.95% 44.38% 45.41% 45.35% 43.04% 7.13%
EBITDA Growth		 -22.40% -52.47% 1.05% -5.09% 11.95% 98.45% -50.60% 34.19% 71.65% 57.79% 229.10%
EBIT Growth		 -32.88% -46.75% 2.23% -4.40% 31.86% 79.01% -62.20% 19.44% 67.14% 53.37% 354.76%
NOPAT Growth		 -31.40% -44.76% 4.28% -3.20% 33.58% 72.95% -44.80% 17.41% 62.12% 53.82% 198.70%
Net Income Growth		 -31.40% -44.76% 4.28% -3.20% 33.58% 72.95% -44.80% 17.41% 62.12% 53.82% 198.70%
EPS Growth		 -30.93% -44.76% 4.60% -4.71% 34.33% 72.41% -52.75% 2.47% 38.89% 33.00% 200.00%
Operating Cash Flow Growth		 210.23% -155.19% 22.34% -15.44% -130.76% 482.30% -94.18% -58.37% 348.89% -51.95% 1,834.82%
Free Cash Flow Firm Growth		 10.91% -593.71% 36.52% -56.35% -39.39% 85.72% 17.72% -45.17% -276.65% -563.05% 104.07%
Invested Capital Growth		 9.07% 34.73% 15.26% 15.14% 11.54% 4.99% 10.58% 18.79% 36.39% 24.59% 1.36%
Revenue Q/Q Growth		 -12.02% 2.76% 7.49% 2.97% 5.05% 5.74% 26.23% 3.70% 5.01% 4.06% -5.46%
EBITDA Q/Q Growth		 -9.99% -35.23% 77.43% -8.24% 6.16% 14.81% -55.83% 149.26% 35.80% 5.54% -1.07%
EBIT Q/Q Growth		 -22.70% -14.50% 58.90% -8.97% 6.62% 16.07% -66.45% 187.66% 49.20% 6.51% -0.52%
NOPAT Q/Q Growth		 -21.00% -13.35% 56.51% -9.64% 9.01% 12.19% -50.05% 92.21% 50.51% 6.44% -3.00%
Net Income Q/Q Growth		 -21.00% -13.35% 56.51% -9.64% 9.01% 12.19% -50.05% 92.21% 50.51% 6.44% -3.00%
EPS Q/Q Growth		 -21.18% -13.43% 56.90% -10.99% 11.11% 11.11% -57.00% 93.02% 50.60% 6.40% -3.01%
Operating Cash Flow Q/Q Growth		 175.21% -123.96% 257.20% -18.41% -200.10% 397.79% -97.61% 483.37% 498.41% -42.51% -3.59%
Free Cash Flow Firm Q/Q Growth		 16.11% -257.46% 45.80% 3.80% 25.21% 63.38% -212.33% -69.73% -94.04% 35.54% 101.92%
Invested Capital Q/Q Growth		 1.86% 4.83% 11.94% -3.68% -1.33% -1.32% 17.90% 3.48% 13.29% -9.85% -4.02%
Profitability Metrics		 - - - - - - - - - - -
EBITDA Margin		 40.97% 25.83% 42.63% 37.99% 38.39% 41.68% 14.59% 35.06% 45.34% 45.98% 48.12%
EBIT Margin		 31.93% 26.57% 39.27% 34.72% 35.24% 38.68% 10.28% 28.52% 40.52% 41.47% 43.64%
Profit (Net Income) Margin		 25.99% 21.92% 31.91% 28.00% 29.06% 30.83% 12.20% 22.61% 32.41% 33.15% 34.01%
Tax Burden Percent		 81.40% 82.49% 81.25% 80.66% 82.46% 79.70% 118.66% 79.28% 79.98% 79.93% 77.94%
Interest Burden Percent		 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00%
Effective Tax Rate		 18.60% 17.51% 18.75% 19.34% 17.54% 20.30% -18.66% 20.72% 20.02% 20.07% 22.06%
Return on Invested Capital (ROIC)		 4.75% 4.01% 4.79% 4.36% 4.72% 5.19% 1.97% 4.02% 5.92% 7.02% 6.92%
ROIC Less NNEP Spread (ROIC-NNEP)		 4.75% 4.01% 4.79% 4.36% 4.72% 5.19% 1.97% 4.02% 5.92% 7.02% 6.92%
Return on Net Nonoperating Assets (RNNOA)		 5.21% 3.56% 5.83% 4.87% 5.11% 5.44% 2.20% 4.36% 6.73% 6.80% 6.18%
Return on Equity (ROE)		 9.96% 7.56% 10.61% 9.23% 9.84% 10.63% 4.18% 8.37% 12.64% 13.81% 13.10%
Cash Return on Invested Capital (CROIC)		 -3.32% -24.73% -10.08% -9.86% -6.38% 0.17% -6.15% -13.11% -26.34% -16.51% 4.89%
Operating Return on Assets (OROA)		 0.97% 0.76% 1.10% 0.97% 1.03% 1.19% 0.32% 0.97% 1.50% 1.66% 1.63%
Return on Assets (ROA)		 0.79% 0.63% 0.89% 0.79% 0.85% 0.95% 0.37% 0.77% 1.20% 1.33% 1.27%
Return on Common Equity (ROCE)		 9.96% 7.56% 10.61% 9.23% 9.84% 10.63% 4.18% 8.37% 12.64% 13.81% 13.10%
Return on Equity Simple (ROE_SIMPLE)		 10.85% 0.00% 8.76% 8.56% 8.84% 0.00% 7.35% 7.54% 8.47% 0.00% 11.23%
Net Operating Profit after Tax (NOPAT)		 9.79 8.48 13 12 13 15 7.33 14 21 23 22
NOPAT Margin		 25.99% 21.92% 31.91% 28.00% 29.06% 30.83% 12.20% 22.61% 32.41% 33.15% 34.01%
Net Nonoperating Expense Percent (NNEP)		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
SG&A Expenses to Revenue		 52.93% 54.14% 52.06% 49.22% 48.93% 45.41% 46.64% 42.36% 41.18% 40.33% 42.46%
Operating Expenses to Revenue		 69.60% 71.96% 65.78% 63.77% 64.23% 59.62% 74.02% 60.37% 54.94% 54.16% 55.50%
Earnings before Interest and Taxes (EBIT)		 12 10 16 15 16 18 6.17 18 26 28 28
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)		 15 9.99 18 16 17 20 8.76 22 30 31 31
Valuation Ratios		 - - - - - - - - - - -
Price to Book Value (P/BV)		 0.83 1.05 0.95 0.94 1.13 1.16 1.05 1.04 0.95 1.04 1.12
Price to Tangible Book Value (P/TBV)		 1.05 1.30 1.17 1.15 1.37 1.41 1.54 1.49 1.34 1.45 1.54
Price to Revenue (P/Rev)		 2.25 3.17 2.96 2.96 3.55 3.49 3.45 3.16 2.74 2.84 3.06
Price to Earnings (P/E)		 7.68 11.93 10.83 10.94 12.73 11.64 14.34 13.82 11.28 11.16 9.99
Dividend Yield		 6.26% 4.73% 5.14% 5.15% 4.11% 3.97% 4.20% 4.18% 4.40% 3.91% 3.57%
Earnings Yield		 13.02% 8.39% 9.23% 9.14% 7.85% 8.59% 6.97% 7.24% 8.87% 8.96% 10.01%
Enterprise Value to Invested Capital (EV/IC)		 0.70 0.92 0.82 0.88 0.93 0.88 0.85 0.93 0.91 0.95 0.96
Enterprise Value to Revenue (EV/Rev)		 4.02 5.80 5.88 6.02 6.05 5.35 5.55 5.71 5.77 4.98 4.76
Enterprise Value to EBITDA (EV/EBITDA)		 9.68 15.76 15.67 16.28 16.60 13.32 17.45 18.11 16.96 13.92 10.95
Enterprise Value to EBIT (EV/EBIT)		 10.96 17.60 17.44 18.09 17.74 14.47 19.60 21.07 19.73 16.20 12.32
Enterprise Value to NOPAT (EV/NOPAT)		 13.71 21.84 21.51 22.23 21.73 17.87 23.04 24.95 23.71 19.55 15.54
Enterprise Value to Operating Cash Flow (EV/OCF)		 6.94 14.04 13.35 14.21 157.77 15.54 24.52 34.30 15.73 19.93 14.95
Enterprise Value to Free Cash Flow (EV/FCFF)		 0.00 0.00 0.00 0.00 0.00 519.47 0.00 0.00 0.00 0.00 19.83
Leverage & Solvency		 - - - - - - - - - - -
Debt to Equity		 1.11 1.07 1.29 1.17 1.06 1.03 0.98 1.01 1.20 0.93 0.81
Long-Term Debt to Equity		 0.10 0.09 0.09 0.09 0.08 0.08 0.10 0.09 0.09 0.09 0.09
Financial Leverage		 1.10 0.89 1.22 1.12 1.08 1.05 1.12 1.08 1.14 0.97 0.89
Leverage Ratio		 12.67 12.03 11.91 11.75 11.60 11.22 11.18 10.90 10.55 10.41 10.32
Compound Leverage Factor		 12.67 12.03 11.91 11.75 11.60 11.22 11.18 10.90 10.55 10.41 10.32
Debt to Total Capital		 52.62% 51.70% 56.29% 54.01% 51.41% 50.64% 49.55% 50.33% 54.52% 48.05% 44.79%
Short-Term Debt to Total Capital		 48.08% 47.38% 52.42% 50.00% 47.35% 46.52% 44.72% 45.65% 50.32% 43.39% 39.92%
Long-Term Debt to Total Capital		 4.53% 4.33% 3.86% 4.01% 4.06% 4.12% 4.83% 4.67% 4.20% 4.66% 4.87%
Preferred Equity to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Noncontrolling Interests to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Common Equity to Total Capital		 47.38% 48.30% 43.71% 45.99% 48.59% 49.36% 50.45% 49.67% 45.48% 51.95% 55.21%
Debt to EBITDA		 7.23 8.82 10.71 10.05 9.15 7.66 10.12 9.76 10.13 7.04 5.09
Net Debt to EBITDA		 4.26 7.16 7.78 8.27 6.87 4.64 6.59 8.08 8.89 5.97 3.91
Long-Term Debt to EBITDA		 0.62 0.74 0.74 0.75 0.72 0.62 0.99 0.91 0.78 0.68 0.55
Debt to NOPAT		 10.24 12.22 14.70 13.71 11.98 10.28 13.36 13.44 14.16 9.89 7.23
Net Debt to NOPAT		 6.03 9.91 10.68 11.29 9.00 6.23 8.70 11.13 12.43 8.39 5.55
Long-Term Debt to NOPAT		 0.88 1.02 1.01 1.02 0.95 0.84 1.30 1.25 1.09 0.96 0.79
Noncontrolling Interest Sharing Ratio		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Liquidity Ratios		 - - - - - - - - - - -
Cash Flow Metrics		 - - - - - - - - - - -
Free Cash Flow to Firm (FCFF)		 -72 -256 -139 -133 -100 -37 -114 -194 -376 -242 4.64
Operating Cash Flow to CapEx		 6,775.14% -1,266.48% 3,258.53% 1,124.92% -847.63% 2,125.39% 58.72% 405.92% 5,238.90% 1,170.99% 1,126.46%
Free Cash Flow to Firm to Interest Expense		 -2.85 -9.44 -4.79 -4.45 -3.31 -1.30 -3.86 -6.43 -12.68 -8.61 0.18
Operating Cash Flow to Interest Expense		 1.88 -0.42 0.61 0.48 -0.48 1.54 0.04 0.20 1.22 0.74 0.77
Operating Cash Flow Less CapEx to Interest Expense		 1.85 -0.45 0.60 0.44 -0.54 1.47 -0.02 0.15 1.20 0.67 0.70
Efficiency Ratios		 - - - - - - - - - - -
Asset Turnover		 0.03 0.03 0.03 0.03 0.03 0.03 0.03 0.03 0.04 0.04 0.04
Fixed Asset Turnover		 4.81 4.60 4.56 4.57 4.74 4.91 4.44 4.86 5.45 5.79 4.97
Capital & Investment Metrics		 - - - - - - - - - - -
Invested Capital		 978 1,025 1,147 1,105 1,091 1,076 1,269 1,313 1,487 1,341 1,286
Invested Capital Turnover		 0.18 0.18 0.15 0.16 0.16 0.17 0.16 0.18 0.18 0.21 0.20
Increase / (Decrease) in Invested Capital		 81 264 152 145 113 51 121 208 397 265 17
Enterprise Value (EV)		 689 947 945 968 1,017 947 1,084 1,226 1,358 1,274 1,239
Market Capitalization		 386 517 476 476 596 617 675 679 646 727 797
Book Value per Share		 $31.83 $34.01 $34.43 $34.80 $36.36 $36.44 $37.95 $38.58 $39.98 $41.16 $41.95
Tangible Book Value per Share		 $25.25 $27.43 $27.87 $28.27 $29.82 $29.92 $26.05 $26.93 $28.42 $29.69 $30.56
Total Capital		 978 1,025 1,147 1,105 1,091 1,076 1,269 1,313 1,487 1,341 1,286
Total Debt		 514 530 646 597 561 545 629 661 811 644 576
Total Long-Term Debt		 44 44 44 44 44 44 61 61 62 63 63
Net Debt		 303 430 469 491 421 330 409 547 712 547 442
Capital Expenditures (CapEx)		 0.70 0.89 0.55 1.29 1.71 2.03 1.76 1.49 0.69 1.77 1.78
Net Nonoperating Expense (NNE)		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Net Nonoperating Obligations (NNO)		 514 530 646 597 561 545 629 661 811 644 576
Total Depreciation and Amortization (D&A)		 3.41 -0.29 1.40 1.40 1.42 1.43 2.59 4.07 3.15 3.07 2.88
Earnings Adjustments		 - - - - - - - - - - -
Adjusted Basic Earnings per Share		 $0.67 $0.59 $0.91 $0.82 $0.90 $1.00 $0.43 $0.84 $1.25 $1.34 $1.29
Adjusted Weighted Average Basic Shares Outstanding		 14.56M 14.56M 14.57M 14.59M 14.58M 14.58M 16.84M 16.91M 16.92M 16.90M 16.92M
Adjusted Diluted Earnings per Share		 $0.67 $0.58 $0.91 $0.81 $0.90 $1.00 $0.43 $0.83 $1.25 $1.33 $1.29
Adjusted Weighted Average Diluted Shares Outstanding		 14.60M 14.61M 14.63M 14.65M 14.65M 14.63M 16.93M 16.97M 17.01M 16.98M 17.02M
Adjusted Basic & Diluted Earnings per Share		 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding		 14.56M 14.57M 14.61M 14.57M 14.58M 16.86M 16.90M 16.92M 16.92M 16.93M 16.91M
Normalized Net Operating Profit after Tax (NOPAT)		 9.79 8.48 13 12 14 15 9.59 15 21 23 22
Normalized NOPAT Margin		 25.99% 21.92% 31.91% 28.00% 30.39% 30.83% 15.97% 24.40% 32.79% 33.20% 34.01%
Pre Tax Income Margin		 31.93% 26.57% 39.27% 34.72% 35.24% 38.68% 10.28% 28.52% 40.52% 41.47% 43.64%
Debt Service Ratios		 - - - - - - - - - - -
EBIT to Interest Expense		 0.48 0.38 0.57 0.50 0.53 0.66 0.21 0.59 0.89 1.00 1.08
NOPAT to Interest Expense		 0.39 0.31 0.46 0.40 0.43 0.52 0.25 0.47 0.72 0.80 0.84
EBIT Less CapEx to Interest Expense		 0.45 0.35 0.55 0.45 0.47 0.58 0.15 0.54 0.87 0.94 1.01
NOPAT Less CapEx to Interest Expense		 0.36 0.28 0.44 0.36 0.38 0.45 0.19 0.42 0.69 0.74 0.77
Payout Ratios		 - - - - - - - - - - -
Dividend Payout Ratio		 48.25% 56.56% 55.86% 56.37% 52.43% 46.33% 54.23% 53.90% 47.99% 43.70% 35.76%
Augmented Payout Ratio		 52.77% 61.17% 60.41% 60.01% 55.94% 49.37% 57.65% 53.83% 47.93% 43.70% 37.62%

Financials Breakdown Chart

Key Financial Trends

Camden National (NASDAQ: CAC) started 2026 with solid profitability, but the quarter also showed a more mixed picture in funding, balance-sheet mix, and cash generation compared with late 2025 and the same period a year ago.

  • Q1 2026 net income came in at $21.9 million, up from $7.3 million in Q1 2025 and slightly below $22.6 million in Q4 2025, showing earnings remain healthy.
  • Diluted EPS was $1.29 in Q1 2026, versus $0.43 a year ago, reflecting much stronger year-over-year profitability.
  • Total revenue rose to $64.3 million from $60.1 million in Q1 2025, helped by stronger net interest income and higher fee income.
  • Net interest income improved to $52.4 million from $48.9 million in Q1 2025, supported by higher asset yields and better overall spread performance.
  • Non-interest income increased to $12.0 million from $11.2 million a year ago, with other service charges remaining a meaningful contributor.
  • Operating cash flow was strong at $20.0 million in Q1 2026, compared with just $1.0 million in Q1 2025, indicating a better quarter for cash generation.
  • The bank generated $46.2 million of net cash from investing activities, supported by $52.0 million of securities sales/maturities.
  • Retained earnings increased to $559.9 million at March 31, 2026, up from $529.7 million at the end of Q3 2025, showing continued earnings accumulation.
  • Total assets were $7.0 billion, up slightly from $6.9 billion at year-end 2025, so the balance sheet is broadly stable in size.
  • Allowance for loan and lease losses was $45.6 million, only modestly changed from $45.5 million in Q3 2025, suggesting reserve levels have been relatively steady.
  • The quarterly dividend remained $0.42 per share, which signals continued shareholder returns but also leaves room for scrutiny on payout sustainability.
  • Net change in deposits was only $47.6 million in Q1 2026, far below the much stronger deposit growth seen in Q4 2025, so funding momentum appears less robust.
  • Short-term debt rose to $513.4 million from $748.5 million in Q3 2025? Actually still elevated versus historical levels and remains an important funding lever, adding some balance-sheet dependence on wholesale financing.
  • Cash and due from banks fell to $62.5 million from $72.9 million in Q3 2025 and $98.2 million in Q2 2025, reducing on-balance-sheet liquidity cushion.
  • AOCI remained negative at -$64.6 million, which is better than prior periods but still reflects some unrealized pressure on equity.
  • Cash interest paid was still high at $26.4 million, highlighting that funding costs remain an ongoing drag on profitability even as earnings improved.
  • Q1 2026 financing cash flow was negative $29.9 million, driven by dividends, equity repurchases, and large financing outflows, which limited the benefit of operating gains.

Bottom line: Camden National entered 2026 with stronger earnings and improved operating cash flow, but the quarter also showed the bank still working through elevated funding costs and a balance sheet that relies heavily on deposits and debt. For retail investors, CAC looks profitable and stable, but future performance will likely depend on whether it can sustain margin improvement while keeping deposit growth and liquidity trends under control.

07/21/26 11:40 AM ETAI Generated. May Contain Errors.

Camden National Financials - Frequently Asked Questions

According to the most recent income statement we have on file, Camden National's fiscal year ends in December. Their fiscal year 2025 ended on December 31, 2025.

Camden National's net income appears to be on an upward trend, with a most recent value of $65.16 million in 2025, rising from $20.95 million in 2015. The previous period was $53.00 million in 2024. Check out Camden National's forecast to explore projected trends and price targets.

Over the last 10 years, Camden National's total revenue changed from $113.93 million in 2015 to $255.78 million in 2025, a change of 124.5%.

Camden National's total liabilities were at $6.28 billion at the end of 2025, a 19.0% increase from 2024, and a 87.6% increase since 2015.

In the past 10 years, Camden National's cash and equivalents has ranged from $38.90 million in 2021 to $79.49 million in 2015, and is currently $71.50 million as of their latest financial filing in 2025.

Over the last 10 years, Camden National's book value per share changed from 35.59 in 2015 to 41.16 in 2025, a change of 15.6%.


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Financial statements for NASDAQ:CAC last updated on 5/9/2026 by MarketBeat.com Staff. New filings and market data are monitored continuously.
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