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Company Analysis

Camden National Corporation CAC

A comprehensive view of key metrics, scores, and financial health for Camden National Corporation

Overview of Camden National Corporation

CAC NMS
Financial Services Banks - Regional Small Cap
Camden National Corporation (CAC), is a Small Cap company, in the Banks - Regional industry, last closed at $45.48, about 9.2% overvalued vs fair value, +9.8% 1Y return, ranked 253/1004 in sector.
$45.48
-1.11%
As of March 13, 2026
Previous close • Vol 90d: 30.2%
52-Week Range
Market Cap
$769.72M
Enterprise Value
$1.32B
Overall Score
Scores locked

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Top Beats

Quick Facts

Website https://www.camdennational.com
HQ Camden, ME
Fiscal year Dec 31

Next Events

Earnings May 5 Estimated

Fair Value Snapshot

Bear Base Bull
$23
$41
$77
Current: $45.48 -9% vs base

Engine Room Money Flow™

Small Cap

Financial Services - Where revenue goes and how value is created

Flow Steps
Interest Income
$249.6M
10.3%%
Interest Expense
$117.4M
Net Interest Income
$132.5M
0.1%%
Total Revenue
$367.3M
112.8%%
Money Flow Bridge
Flow Direction: Money moves from left to right
Components: Breakdown shows composition of each stage
Industry-Specific: Financial Services

Quality & Reliability Indicators

Return on Equity
10.0%
Fair

Net Income / Equity - key bank profitability metric

Locked Metric
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Owner's Pocket - Capital Allocation

Total Returned to Shareholders

Combined dividends, buybacks, and debt reduction

$26.2M
49.4% of Net Income

Where It Leaks

Cash Flow Health critical
Significant cash flow inefficiencies identified. Multiple high-impact leaks require attention.
1
Active Leaks
1/1
Improving
0
High Impact
1
Critical
Moat Analysis Bank Specialized

Competitive Advantage Assessment

Evaluating Camden National Corporation's durable competitive advantages across 6 defense dimensions

Overall Moat Strength
45
/100
Developing
Scores based on quantitative metrics and qualitative factors

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Deposit Franchise

Moderate
59
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For informational purposes only. Not investment advice.

Trade-Off Ledger™

Where management spends the performance budget - Growth, Profitability, or Safety

Banks (Regional & Diversified) vs Industry Peers 91% Coverage
Trade-Off Triangle Visualization A ternary plot showing CAC's balance between Growth (43.8%), Profitability (26.9%), and Safety (29.3%). Growth 44% Safety 29% Profitability 27%

Click axes to expand details. Marker shows current allocation.

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Growth

85th percentile vs peers
85
Key Signals
Rev Growth YoY 1.13 87p Asset Growth YoY 20.2% 90p Revenue CAGR 3Y 26.0% 77p
Strengths
  • Growth performance in top 20% of peers (percentile: 85)
  • Rev Growth Yoy in top 20% of peers (1.13, 87th percentile)
  • Asset Growth Yoy in top 20% of peers (20.2%, 90th percentile)
  • Superior capital returns - 2 return metrics above peer median
Risks

No significant risks identified for this axis.

Profitability

52th percentile vs peers
52
Key Signals
Strengths
Risks
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Safety

57th percentile vs peers
57
Key Signals
Strengths
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Two Futures

Scenario-based fair value ranges for Camden National Corporation.

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Unable to Compute Fair Value

This company cannot be valued using standard models.

What this means: The Scenario Theatre requires financial data (revenue, cash flow, shares outstanding) to calculate fair value estimates. This data may be unavailable for:

  • Recently listed companies (IPOs, SPACs)
  • Shell companies or holding companies
  • Companies that haven't filed recent financials
  • Foreign companies with limited data coverage
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Bear
-
- - -
- upside
-
Base
$41.29
- - -
-9.2% vs current
Snapshot base estimate
Bull
-
- - -
- upside
-
Fair Value Range Current: $-
$- $- $-
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