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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 Framework: Banks & Lenders Small Cap
Camden National Corporation (CAC), is a Small Cap company, in the Banks - Regional industry, last closed at $53.63, about 19.2% overvalued vs fair value, +44.5% 1Y return, ranked 325/1078 in sector.
Metrics P/E 11.3× Rev Growth 43.8% ROE 10.6% Gross Margin 92.9% Div Yield 3.88%
USD 53.63
-1.11%
(Delayed)
• Vol 90d: 25.0%
52-Week Range
Market Cap
$904.43M
Enterprise Value
$1.08B
Overall Score
View breakdown
Overall
Growth
Fair
Profitability
Weak
Health
Weak
Efficiency
Fair
Valuation
Good
Growth
Fair
Profitability
Weak
Health
Weak
Efficiency
Fair
Valuation
Good
Completeness: 82%
Confidence: 85%
Updated: Jul 5
Top Beats

Quick Facts

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

Next Events

Earnings Jul 28 Estimated

Fair Value Snapshot

Bear Base Bull
$24
$43
$81
Current: $53.63 -19% vs base

Engine Room Money Flow™

Small Cap

Financial Services - Where revenue goes and how value is created

Flow Steps
Interest Income
$320.7M
28.5%%
Interest Expense
$117.4M
Net Interest Income
$203.3M
53.5%%
Total Revenue
$248.3M
43.8%%
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
9.4%
Fair

Net Income / Equity - key bank profitability metric

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Owner's Pocket - Capital Allocation

Total Returned to Shareholders

Combined dividends, buybacks, and debt reduction

$28.5M
43.7% 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
52
/100
Moderate
Scores based on quantitative metrics and qualitative factors

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Deposit Franchise

Moderate
61
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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 93% Coverage
Trade-Off Triangle Visualization A ternary plot showing CAC's balance between Growth (49.5%), Profitability (28.0%), and Safety (22.6%). Growth 49% Safety 23% Profitability 28%

Click axes to expand details. Marker shows current allocation.

3-Year Trend Analysis Locked
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Growth

81th percentile vs peers
81
Key Signals
NII Growth YoY 53.5% 96p Asset Growth YoY 20.2% 88p Equity Growth YoY 31.1% 92p EPS Growth YoY 6.1% 31p
Strengths
  • Growth performance in top 20% of peers (percentile: 81)
  • NII Growth YoY in top 20% of peers (53.5%, 96th percentile)
  • Asset Growth YoY in top 20% of peers (20.2%, 88th percentile)
  • Equity Growth YoY in top 20% of peers (31.1%, 92th percentile)
Risks

No significant risks identified for this axis.

Profitability

45th percentile vs peers
46
Key Signals
Strengths
Risks
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Safety

37th percentile vs peers
37
Key Signals
Strengths
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Two Futures

Scenario-based fair value ranges for Camden National Corporation.

Loading valuation model...
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
$43.33
- - -
-19.2% vs current
Snapshot base estimate
Bull
-
- - -
- upside
-
Fair Value Range Current: $-
$- $- $-
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