CA
Camden National Corp
CAC—
Camden National Corp AI Insights
Informational only. Not investment advice.Snapshot
- Revenue up 44% YoY (TTM) vs industry median 10% - exceptional growth for a regional bank, likely from rate environment or acquisition.[Total Revenue 1Y Growth]
- Interest expense of 117M (TTM) exceeds net income of 57M - funding costs consuming 51% of pretax income, squeezing margins.[Interest Expense]
- Goodwill of 152M is 22% of equity (676M) - moderate acquisition history with manageable impairment exposure.[Goodwill]
Watch Triggers
- Net Interest Margin: Falls below 2.5% — Interest expense already 51% of pretax income - further compression threatens profitability
- Current Debt: Refinancing terms disclosed — 494M current debt is 73% of equity - refinancing rate determines 2027 earnings
- ROE: Drops below 8% — Already below industry median 10% - further decline signals structural issues
Bull Case
FCF of 80M (TTM) covers dividend of 7M by 11x with 35% FCF margin - sustainable payout with 4.2% yield at current price.
Free Cash FlowDividends Paid Per Share
P/E of 11.4x below industry median 12.6x, P/B of 1.6x with tangible book of 481M - modest discount for profitable bank.
PE RatioPB RatioTangible Book Value
Bear Case
Current debt of 494M (7x long-term debt) creates refinancing cliff - rate increases would crush already thin 0.9% ROA.
Current DebtLong Term DebtROA
EPS 5Y CAGR of 1% vs 3Y CAGR of 8% masks deterioration - revenue surge not translating to earnings growth.
EPS Growth 5YEPS Growth 3YTotal Revenue 1Y Growth
Bull vs Bear Balance
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Forward Thesis
Net margin compression likely as rate cycle turns - 25% margin unsustainable with 82% debt/equity.
1-3ymed
- Current debt of 494M (89% of total debt) needs refinancing
- Interest expense already 2x net income
- ROE of 9.5% below industry median 10%
Debt/equity 0.82 vs typical bank 0.5-0.7Net margin TTM 25% vs industry median 26%Current debt 494M vs long-term 62M
Valuation Context
Caveats
Public Strategies Rankings
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CAC Fundamentals
Finance and Insurance → Credit Intermediation and Related Activities
| Metric | Value | YoY Growth | Industry Percentile |
|---|---|---|---|
$770.56M | — | ||
$1.23B | — | ||
11 | — | ||
$228.12M | +39.3% | — | |
$3.97 | +21.0% | — | |
0% | — | ||
25.1% | -3.5% | — | |
$80.38M | +3895.1% | — | |
0.09 | +0.1% | — | |
Beta 5Y (Monthly) | unknown | — |
CAC Dividend History
107 dividends
2026
$0.420001/15/26$0.4200
2025
$1.680010/15/25$0.4200
07/15/25$0.4200
04/15/25$0.4200
01/15/25$0.4200
2024
$1.680010/15/24$0.4200
07/15/24$0.4200
04/12/24$0.4200
01/11/24$0.4200
2023
$1.680010/12/23$0.4200
07/13/23$0.4200
04/13/23$0.4200
01/12/23$0.4200
2022
$1.600010/13/22$0.4000
07/14/22$0.4000
04/13/22$0.4000
01/13/22$0.4000
2021
$1.410010/14/21$0.3600
07/14/21$0.3600
04/14/21$0.3600
01/14/21$0.3300
2020
$1.320010/14/20$0.3300
07/14/20$0.3300
04/14/20$0.3300
01/14/20$0.3300
2019
$1.200010/11/19$0.3000
07/12/19$0.3000
04/12/19$0.3000
01/14/19$0.3000
2018
$1.100010/12/18$0.3000
07/12/18$0.3000
04/12/18$0.2500
01/11/18$0.2500
2017
$0.920010/12/17$0.2300
07/13/17$0.2300
04/11/17$0.2300
01/12/17$0.2300
2016
$0.800010/13/16$0.2000
07/13/16$0.2000
04/13/16$0.2000
01/13/16$0.2000
2015
$0.800010/15/15$0.2000
07/13/15$0.2000
04/14/15$0.2000
01/14/15$0.2000
2014
$0.720010/15/14$0.1800
07/15/14$0.1800
04/14/14$0.1800
01/15/14$0.1800
2013
$0.706710/15/13$0.1800
07/11/13$0.1800
04/12/13$0.1800
01/11/13$0.1667
2012
$0.666710/11/12$0.1667
07/11/12$0.1667
04/11/12$0.1667
01/12/12$0.1667
2011
$1.000012/14/11$0.3333
10/13/11$0.1667
07/13/11$0.1667
04/13/11$0.1667
01/12/11$0.1667
2010
$0.666710/13/10$0.1667
07/14/10$0.1667
04/13/10$0.1667
01/13/10$0.1667
2009
$0.666710/13/09$0.1667
07/13/09$0.1667
04/13/09$0.1667
01/13/09$0.1667
2008
$0.500010/10/08$0.1667
07/11/08$0.1667
04/11/08$0.1667
2007
$0.800012/27/07$0.1600
10/11/07$0.1600
07/12/07$0.1600
04/12/07$0.1600
01/11/07$0.1600
2006
$0.586710/12/06$0.1467
07/13/06$0.1467
04/12/06$0.1467
01/11/06$0.1467
2005
$0.866710/12/05$0.1333
07/13/05$0.1333
04/13/05$0.1333
01/12/05$0.4667
2004
$0.533310/13/04$0.1333
07/13/04$0.1333
04/13/04$0.1333
01/13/04$0.1333
2003
$0.480010/10/03$0.1267
07/11/03$0.1267
04/11/03$0.1133
01/13/03$0.1133
2002
$0.453310/10/02$0.1133
07/11/02$0.1133
04/11/02$0.1133
01/11/02$0.1133
2001
$0.426710/11/01$0.1067
07/11/01$0.1067
04/12/01$0.1067
01/10/01$0.1067
2000
$0.526710/11/00$0.1067
07/12/00$0.1067
04/13/00$0.1067
04/12/00$0.1067
01/12/00$0.1000
CAC Stock Splits
1 stock split
10/03/162:3 split
CAC SEC Filings
| Filing Date | Report Date | Report Type | Filing Link |
|---|---|---|---|
11/06/25 | 09/30/25 | 10-Q | |
08/07/25 | 06/30/25 | 10-Q | |
05/08/25 | 03/31/25 | 10-Q | |
03/07/25 | 12/31/24 | 10-K | |
11/07/24 | 09/30/24 | 10-Q | |
08/08/24 | 06/30/24 | 10-Q | |
05/08/24 | 03/31/24 | 10-Q | |
03/08/24 | 12/31/23 | 10-K | |
11/07/23 | 09/30/23 | 10-Q | |
08/09/23 | 06/30/23 | 10-Q | |
05/09/23 | 03/31/23 | 10-Q | |
03/10/23 | 12/31/22 | 10-K | |
11/03/22 | 09/30/22 | 10-Q | |
08/04/22 | 06/30/22 | 10-Q | |
05/05/22 | 03/31/22 | 10-Q | |
03/11/22 | 12/31/21 | 10-K | |
11/04/21 | 09/30/21 | 10-Q | |
08/05/21 | 06/30/21 | 10-Q | |
05/06/21 | 03/31/21 | 10-Q | |
03/15/21 | 12/31/20 | 10-K | |
11/05/20 | 09/30/20 | 10-Q | |
08/10/20 | 06/30/20 | 10-Q | |
05/07/20 | 03/31/20 | 10-Q | |
03/11/20 | 12/31/19 | 10-K | |
11/07/19 | 09/30/19 | 10-Q | |
08/08/19 | 06/30/19 | 10-Q | |
05/09/19 | 03/31/19 | 10-Q | |
03/13/19 | 12/31/18 | 10-K | |
11/02/18 | 09/30/18 | 10-Q | |
08/03/18 | 06/30/18 | 10-Q | |
05/04/18 | 03/31/18 | 10-Q | |
03/09/18 | 12/31/17 | 10-K | |
11/03/17 | 09/30/17 | 10-Q | |
08/04/17 | 06/30/17 | 10-Q | |
05/05/17 | 03/31/17 | 10-Q | |
03/07/17 | 12/31/16 | 10-K | |
11/04/16 | 09/30/16 | 10-Q | |
08/05/16 | 06/30/16 | 10-Q | |
05/06/16 | 03/31/16 | 10-Q | |
03/11/16 | 12/31/15 | 10-K | |
11/09/15 | 09/30/15 | 10-Q | |
08/07/15 | 06/30/15 | 10-Q | |
05/07/15 | 03/31/15 | 10-Q | |
03/10/15 | 12/31/14 | 10-K | |
11/07/14 | 09/30/14 | 10-Q | |
08/08/14 | 06/30/14 | 10-Q | |
05/02/14 | 03/31/14 | 10-Q | |
03/12/14 | 12/31/13 | 10-K | |
11/08/13 | 09/30/13 | 10-Q | |
08/02/13 | 06/30/13 | 10-Q | |
05/03/13 | 03/31/13 | 10-Q | |
02/28/13 | 12/31/12 | 10-K | |
11/07/12 | 09/30/12 | 10-Q | |
08/08/12 | 06/30/12 | 10-Q | |
05/09/12 | 03/31/12 | 10-Q | |
03/02/12 | 12/31/11 | 10-K | |
11/04/11 | 09/30/11 | 10-Q | |
08/08/11 | 06/30/11 | 10-Q | |
05/09/11 | 03/31/11 | 10-Q | |
03/02/11 | 12/31/10 | 10-K | |
11/05/10 | 09/30/10 | 10-Q | |
08/06/10 | 06/30/10 | 10-Q | |
05/07/10 | 03/31/10 | 10-Q | |
03/12/10 | 12/31/09 | 10-K | |
10/30/09 | 09/30/09 | 10-Q | |
08/07/09 | 06/30/09 | 10-Q | |
05/11/09 | 03/31/09 | 10-Q | |
03/13/09 | 12/31/08 | 10-K | |
11/06/08 | 09/30/08 | 8-K | |
08/08/08 | 06/30/08 | 10-Q | |
05/12/08 | 03/31/08 | 10-Q | |
03/17/08 | 12/31/07 | 8-K | |
11/02/07 | 09/30/07 | 10-Q | |
08/02/07 | 06/30/07 | 10-Q | |
05/04/07 | 03/31/07 | 10-Q | |
03/09/07 | 12/31/06 | 10-K | |
11/03/06 | 09/30/06 | 10-Q | |
08/07/06 | 06/30/06 | 10-Q | |
05/05/06 | 03/31/06 | 10-Q | |
03/10/06 | 12/31/05 | 10-K | |
11/09/05 | 09/30/05 | 10-Q | |
08/09/05 | 06/30/05 | 10-Q | |
05/09/05 | 03/31/05 | 10-Q | |
03/15/05 | 12/31/04 | 10-K | |
11/08/04 | 09/30/04 | 10-Q | |
08/06/04 | 06/30/04 | 10-Q | |
05/07/04 | 03/31/04 | 10-Q | |
03/15/04 | 12/31/03 | 5 | |
11/13/03 | 09/30/03 | 8-K | |
08/13/03 | 06/30/03 | 10-Q | |
05/09/03 | 03/31/03 | 10-Q | |
03/26/03 | 12/31/02 | 10-K | |
11/13/02 | 09/30/02 | 10-Q | |
08/13/02 | 06/30/02 | 10-Q | |
05/15/02 | 03/31/02 | 10-Q | |
03/29/02 | 12/31/01 | 10-K405 | |
11/14/01 | 09/30/01 | 10-Q | |
08/10/01 | 06/30/01 | 10-Q | |
05/15/01 | 03/31/01 | 10-Q | |
04/02/01 | 12/31/00 | 10-K405 | |
11/14/00 | 09/30/00 | 10-Q | |
08/14/00 | 06/30/00 | 10-Q | |
05/15/00 | 03/31/00 | 10-Q |