(CAC) Camden National - Ratings and Ratios

Camden National Corporation, a bank holding company for Camden National Bank, delivers a broad spectrum of commercial and consumer banking services across Maine, New Hampshire, and Massachusetts. Established in 1875, the company has deep roots in its communities, offering tailored financial solutions to individuals, businesses, municipalities, and non-profit organizations. Its deposit products include checking, savings, time deposits, brokered deposits, and CDARS-registered deposits, providing customers with flexible options to manage their funds. On the lending side, Camden National specializes in a diverse portfolio of loans, including commercial real estate loans for both owner-occupied and non-owner-occupied properties, SBA-guaranteed loans, residential mortgages, and consumer and home equity loans, catering to the varied financial needs of its clientele.

Complementing its core banking services, Camden National offers a comprehensive suite of financial planning and wealth management solutions. Through its brokerage and insurance divisions, the company provides access to investment products such as mutual funds, strategic asset management accounts, and annuities, as well as retirement, estate, and college planning services. Additionally, Camden National delivers fiduciary and trustee services, asset management, and investment advisory solutions, positioning itself as a one-stop financial partner for its customers. Its commitment to community banking is evident in its localized approach, combining personalized service with modern financial expertise to support the economic growth of the regions it serves.

From a financial perspective, Camden National Corporation presents a stable profile, with a market capitalization of $727.33 million, reflecting its established presence in the regional banking sector. The company’s trailing P/E ratio of 11.90 and forward P/E of 10.78 suggest a reasonable valuation relative to its earnings, indicating investor confidence in its future prospects. The price-to-book ratio of 1.37 points to a modest premium over its book value, aligning with the valuation trends of regional banks. The price-to-sales ratio of 4.10 highlights the market’s expectation of revenue growth and profitability. With a return on equity of 9.98%, Camden National demonstrates efficient use of shareholder capital, a key metric for assessing banking sector performance.

Looking ahead, Camden National Corporation is well-positioned to navigate the evolving banking landscape. Its strong foothold in New England, coupled with its diversified product offerings, provides a foundation for sustainable growth. The company’s ability to balance traditional community banking with modern financial services positions