(CAC) Camden National - Overview
Stock: Deposits, Loans, Insurance, Brokerage, Advisory
EPS (Earnings per Share)
Revenue
Dividends
| Dividend Yield | 4.18% |
| Yield on Cost 5y | 5.14% |
| Yield CAGR 5y | 4.48% |
| Payout Consistency | 95.8% |
| Payout Ratio | 38.1% |
| Risk 5d forecast | |
|---|---|
| Volatility | 33.0% |
| Relative Tail Risk | -13.6% |
| Reward TTM | |
|---|---|
| Sharpe Ratio | 0.40 |
| Alpha | 0.93 |
| Character TTM | |
|---|---|
| Beta | 0.785 |
| Beta Downside | 0.822 |
| Drawdowns 3y | |
|---|---|
| Max DD | 34.20% |
| CAGR/Max DD | 0.34 |
Description: CAC Camden National December 25, 2025
Camden National Corporation (NASDAQ:CAC) is a bank-holding company headquartered in Camden, Maine, that operates Camden National Bank and serves a broad client base-including consumers, institutions, municipalities, nonprofits, and commercial entities-across the United States with a full suite of deposit, loan, brokerage, insurance, and wealth-management products.
Its core banking services comprise checking, savings, time and brokered deposits, as well as a range of loan products such as non-owner-occupied and owner-occupied commercial real-estate loans, residential mortgages (1- to 4-family), consumer loans, and home-equity financing. The firm also offers brokerage and insurance solutions, covering college and retirement planning, mutual funds, variable and fixed annuities, and a suite of fiduciary, asset-management, and advisory services.
Recent performance indicators (Q3 2024) show a net interest margin of roughly **3.2%**, a loan-to-deposit ratio of **78%**, and a return on equity of **11.5%**, placing CAC near the median of the regional-bank peer group. Deposit growth accelerated to **~5% YoY**, while loan growth remained modest at **~2% YoY**, reflecting heightened demand for higher-yield savings products in a rising-rate environment.
Key sector drivers include the Federal Reserve’s interest-rate policy (which can lift net interest income but may suppress loan demand), regional economic conditions in New England, and increasing competition from fintech platforms targeting small-business and consumer banking segments.
For a data-driven, deeper dive into CAC’s valuation and risk profile, a quick look at ValueRay’s analyst toolkit may be worthwhile.
Piotroski VR‑10 (Strict, 0-10) 3.0
| Net Income: 65.2m TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.01 > 0.02 and ΔFCF/TA 1.12 > 1.0 |
| NWC/Revenue: 121.4% < 20% (prev -1498 %; Δ 1620 % < -1%) |
| CFO/TA 0.01 > 3% & CFO 86.3m > Net Income 65.2m |
| Net Debt (484.3m) to EBITDA (91.5m): 5.29 < 3 |
| Current Ratio: 1.77 > 1.5 & < 3 |
| Outstanding Shares: last quarter (17.0m) vs 12m ago 15.65% < -2% |
| Gross Margin: 62.78% > 18% (prev 0.59%; Δ 6219 % > 0.5%) |
| Asset Turnover: 5.75% > 50% (prev 4.99%; Δ 0.76% > 0%) |
| Interest Coverage Ratio: 0.70 > 6 (EBITDA TTM 91.5m / Interest Expense TTM 117.4m) |
Altman Z'' 0.88
| A: 0.06 (Total Current Assets 1.03b - Total Current Liabilities 581.8m) / Total Assets 6.97b |
| B: 0.08 (Retained Earnings 545.1m / Total Assets 6.97b) |
| C: 0.01 (EBIT TTM 81.6m / Avg Total Assets 6.39b) |
| D: 0.11 (Book Value of Equity 696.6m / Total Liabilities 6.28b) |
| Altman-Z'' Score: 0.88 = B |
What is the price of CAC shares?
Over the past week, the price has changed by +1.99%, over one month by +12.20%, over three months by +30.29% and over the past year by +16.59%.
Is CAC a buy, sell or hold?
- StrongBuy: 0
- Buy: 1
- Hold: 3
- Sell: 0
- StrongSell: 0
What are the forecasts/targets for the CAC price?
| Issuer | Target | Up/Down from current |
|---|---|---|
| Wallstreet Target Price | 51.3 | 2.4% |
| Analysts Target Price | 51.3 | 2.4% |
| ValueRay Target Price | 52.6 | 4.8% |
CAC Fundamental Data Overview February 09, 2026
P/E Forward = 10.2459
P/S = 3.6336
P/B = 1.2183
Revenue TTM = 367.3m USD
EBIT TTM = 81.6m USD
EBITDA TTM = 91.5m USD
Long Term Debt = 62.4m USD (from longTermDebt, two quarters ago)
Short Term Debt = 581.8m USD (from shortTermDebt, last quarter)
Debt = 581.8m USD (from shortLongTermDebtTotal, last quarter)
Net Debt = 484.3m USD (from netDebt column, last quarter)
Enterprise Value = 402.3m USD (848.4m + Debt 581.8m - CCE 1.03b)
Interest Coverage Ratio = 0.70 (Ebit TTM 81.6m / Interest Expense TTM 117.4m)
EV/FCF = 5.00x (Enterprise Value 402.3m / FCF TTM 80.4m)
FCF Yield = 19.98% (FCF TTM 80.4m / Enterprise Value 402.3m)
FCF Margin = 21.88% (FCF TTM 80.4m / Revenue TTM 367.3m)
Net Margin = 17.74% (Net Income TTM 65.2m / Revenue TTM 367.3m)
Gross Margin = 62.78% ((Revenue TTM 367.3m - Cost of Revenue TTM 136.7m) / Revenue TTM)
Gross Margin QoQ = 70.76% (prev 64.80%)
Tobins Q-Ratio = 0.06 (Enterprise Value 402.3m / Total Assets 6.97b)
Interest Expense / Debt = 4.83% (Interest Expense 28.1m / Debt 581.8m)
Taxrate = 20.07% (5.66m / 28.2m)
NOPAT = 65.2m (EBIT 81.6m * (1 - 20.07%))
Current Ratio = 1.77 (Total Current Assets 1.03b / Total Current Liabilities 581.8m)
Debt / Equity = 0.84 (Debt 581.8m / totalStockholderEquity, last quarter 696.6m)
Debt / EBITDA = 5.29 (Net Debt 484.3m / EBITDA 91.5m)
Debt / FCF = 6.02 (Net Debt 484.3m / FCF TTM 80.4m)
Total Stockholder Equity = 666.3m (last 4 quarters mean from totalStockholderEquity)
RoA = 1.02% (Net Income 65.2m / Total Assets 6.97b)
RoE = 9.78% (Net Income TTM 65.2m / Total Stockholder Equity 666.3m)
RoCE = 11.20% (EBIT 81.6m / Capital Employed (Equity 666.3m + L.T.Debt 62.4m))
RoIC = 5.88% (NOPAT 65.2m / Invested Capital 1.11b)
WACC = 6.80% (E(848.4m)/V(1.43b) * Re(8.81%) + D(581.8m)/V(1.43b) * Rd(4.83%) * (1-Tc(0.20)))
Discount Rate = 8.81% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: 100.0 | Cagr: 7.74%
[DCF Debug] Terminal Value 76.05% ; FCFF base≈49.0m ; Y1≈32.2m ; Y5≈14.7m
Fair Price DCF = N/A (negative equity: EV 366.9m - Net Debt 484.3m = -117.4m; debt exceeds intrinsic value)
EPS Correlation: 19.34 | EPS CAGR: 4.20% | SUE: 0.08 | # QB: 0
Revenue Correlation: 98.59 | Revenue CAGR: 20.62% | SUE: 3.77 | # QB: 13
EPS next Quarter (2026-03-31): EPS=1.24 | Chg30d=-0.010 | Revisions Net=-1 | Analysts=3
EPS current Year (2026-12-31): EPS=5.42 | Chg30d=-0.046 | Revisions Net=+0 | Growth EPS=+23.4% | Growth Revenue=+8.1%
EPS next Year (2027-12-31): EPS=5.95 | Chg30d=+0.020 | Revisions Net=+1 | Growth EPS=+9.8% | Growth Revenue=+7.2%