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CAMDEN NATIONAL CORP (CAC) Stock Fundamental Analysis

NASDAQ:CAC - Nasdaq - US1330341082 - Common Stock - Currency: USD

38.74  -0.55 (-1.4%)

After market: 38.74 0 (0%)

Fundamental Rating

5

We assign a fundamental rating of 5 out of 10 to CAC. CAC was compared to 398 industry peers in the Banks industry. CAC has a medium profitability rating, but doesn't score so well on its financial health evaluation. CAC is showing excellent growth while it is valued at reasonable prices. Keep and eye on this one! Finally CAC also has an excellent dividend rating.


Dividend Valuation Growth Profitability Health

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4

1. Profitability

1.1 Basic Checks

CAC had positive earnings in the past year.
In the past year CAC had a positive cash flow from operations.
In the past 5 years CAC has always been profitable.
In the past 5 years CAC always reported a positive cash flow from operatings.
CAC Yearly Net Income VS EBIT VS OCF VS FCFCAC Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 50M 100M

1.2 Ratios

CAC has a Return On Assets of 0.91%. This is in the better half of the industry: CAC outperforms 60.55% of its industry peers.
The Return On Equity of CAC (9.98%) is better than 66.33% of its industry peers.
Industry RankSector Rank
ROA 0.91%
ROE 9.98%
ROIC N/A
ROA(3y)0.92%
ROA(5y)1.04%
ROE(3y)10.77%
ROE(5y)11.24%
ROIC(3y)N/A
ROIC(5y)N/A
CAC Yearly ROA, ROE, ROICCAC Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2 4 6 8 10

1.3 Margins

Looking at the Profit Margin, with a value of 29.94%, CAC belongs to the top of the industry, outperforming 82.41% of the companies in the same industry.
CAC's Profit Margin has declined in the last couple of years.
CAC does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
Industry RankSector Rank
OM N/A
PM (TTM) 29.94%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-6.62%
PM growth 5Y-2.31%
GM growth 3YN/A
GM growth 5YN/A
CAC Yearly Profit, Operating, Gross MarginsCAC Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 10 20 30

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2

2. Health

2.1 Basic Checks

CAC does not have a ROIC to compare to the WACC, probably because it is not profitable.
The number of shares outstanding for CAC remains at a similar level compared to 1 year ago.
CAC has less shares outstanding than it did 5 years ago.
CAC has a better debt/assets ratio than last year.
CAC Yearly Shares OutstandingCAC Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 5M 10M 15M
CAC Yearly Total Debt VS Total AssetsCAC Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 1B 2B 3B 4B 5B

2.2 Solvency

The Debt to FCF ratio of CAC is 3.97, which is a good value as it means it would take CAC, 3.97 years of fcf income to pay off all of its debts.
With a Debt to FCF ratio value of 3.97, CAC is not doing good in the industry: 67.09% of the companies in the same industry are doing better.
CAC has a Debt/Equity ratio of 0.41. This is a healthy value indicating a solid balance between debt and equity.
With a Debt to Equity ratio value of 0.41, CAC is not doing good in the industry: 75.13% of the companies in the same industry are doing better.
Industry RankSector Rank
Debt/Equity 0.41
Debt/FCF 3.97
Altman-Z N/A
ROIC/WACCN/A
WACC12.53%
CAC Yearly LT Debt VS Equity VS FCFCAC Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 100M 200M 300M 400M 500M

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
CAC Yearly Current Assets VS Current LiabilitesCAC Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 100M 200M 300M 400M 500M

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7

3. Growth

3.1 Past

CAC shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 24.24%, which is quite impressive.
CAC shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 8.39%.
The Revenue has been growing slightly by 0.84% on average over the past years.
EPS 1Y (TTM)24.24%
EPS 3Y-7.08%
EPS 5Y0%
EPS Q2Q%77.59%
Revenue 1Y (TTM)8.39%
Revenue growth 3Y-1.83%
Revenue growth 5Y0.84%
Sales Q2Q%22.95%

3.2 Future

Based on estimates for the next years, CAC will show a quite strong growth in Earnings Per Share. The EPS will grow by 17.12% on average per year.
The Revenue is expected to grow by 21.02% on average over the next years. This is a very strong growth
EPS Next Y19.91%
EPS Next 2Y17.12%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year37.15%
Revenue Next 2Y21.02%
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
CAC Yearly Revenue VS EstimatesCAC Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 50M 100M 150M 200M 250M
CAC Yearly EPS VS EstimatesCAC Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 1 2 3 4 5

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6

4. Valuation

4.1 Price/Earnings Ratio

CAC is valuated reasonably with a Price/Earnings ratio of 10.50.
CAC's Price/Earnings ratio is a bit cheaper when compared to the industry. CAC is cheaper than 66.33% of the companies in the same industry.
The average S&P500 Price/Earnings ratio is at 28.79. CAC is valued rather cheaply when compared to this.
With a Price/Forward Earnings ratio of 8.76, the valuation of CAC can be described as very reasonable.
66.08% of the companies in the same industry are more expensive than CAC, based on the Price/Forward Earnings ratio.
Compared to an average S&P500 Price/Forward Earnings ratio of 21.38, CAC is valued rather cheaply.
Industry RankSector Rank
PE 10.5
Fwd PE 8.76
CAC Price Earnings VS Forward Price EarningsCAC Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

CAC's Price/Free Cash Flow ratio is in line with the industry average.
Industry RankSector Rank
P/FCF 11.82
EV/EBITDA N/A
CAC Per share dataCAC EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 10 20 30

4.3 Compensation for Growth

CAC's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
CAC's earnings are expected to grow with 17.12% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.53
PEG (5Y)N/A
EPS Next 2Y17.12%
EPS Next 3YN/A

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8

5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 4.28%, CAC is a good candidate for dividend investing.
Compared to an average industry Dividend Yield of 3.54, CAC pays a bit more dividend than its industry peers.
Compared to an average S&P500 Dividend Yield of 2.47, CAC pays a better dividend.
Industry RankSector Rank
Dividend Yield 4.28%

5.2 History

On average, the dividend of CAC grows each year by 6.82%, which is quite nice.
CAC has paid a dividend for at least 10 years, which is a reliable track record.
CAC has not decreased their dividend for at least 10 years, which is a reliable track record.
Dividend Growth(5Y)6.82%
Div Incr Years11
Div Non Decr Years16
CAC Yearly Dividends per shareCAC Yearly Dividends per shareYearly Dividends per share 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0.5 1 1.5

5.3 Sustainability

46.34% of the earnings are spent on dividend by CAC. This is a bit on the high side, but may be sustainable.
The dividend of CAC is growing, but earnings are growing more, so the dividend growth is sustainable.
DP46.34%
EPS Next 2Y17.12%
EPS Next 3YN/A
CAC Yearly Income VS Free CF VS DividendCAC Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 50M 100M
CAC Dividend Payout.CAC Dividend Payout, showing the Payout Ratio.CAC Dividend Payout.PayoutRetained Earnings

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CAMDEN NATIONAL CORP

NASDAQ:CAC (4/25/2025, 8:00:01 PM)

After market: 38.74 0 (0%)

38.74

-0.55 (-1.4%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-28 2025-01-28/bmo
Earnings (Next)05-06 2025-05-06/bmo
Inst Owners68.52%
Inst Owner Change0.07%
Ins Owners1.8%
Ins Owner Change2.92%
Market Cap654.32M
Analysts72.5
Price Target51 (31.65%)
Short Float %3.15%
Short Ratio5.43
Dividend
Industry RankSector Rank
Dividend Yield 4.28%
Yearly Dividend1.69
Dividend Growth(5Y)6.82%
DP46.34%
Div Incr Years11
Div Non Decr Years16
Ex-Date04-15 2025-04-15 (0.42)
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)13.85%
Min EPS beat(2)12.47%
Max EPS beat(2)15.23%
EPS beat(4)4
Avg EPS beat(4)17.28%
Min EPS beat(4)12.47%
Max EPS beat(4)27.85%
EPS beat(8)5
Avg EPS beat(8)3.92%
EPS beat(12)6
Avg EPS beat(12)1.87%
EPS beat(16)9
Avg EPS beat(16)3.42%
Revenue beat(2)2
Avg Revenue beat(2)2.79%
Min Revenue beat(2)1.45%
Max Revenue beat(2)4.13%
Revenue beat(4)4
Avg Revenue beat(4)18.47%
Min Revenue beat(4)1.45%
Max Revenue beat(4)66.66%
Revenue beat(8)5
Avg Revenue beat(8)5.76%
Revenue beat(12)6
Avg Revenue beat(12)3.09%
Revenue beat(16)9
Avg Revenue beat(16)2.55%
PT rev (1m)-1.48%
PT rev (3m)3.09%
EPS NQ rev (1m)0.46%
EPS NQ rev (3m)20.92%
EPS NY rev (1m)0.46%
EPS NY rev (3m)9.18%
Revenue NQ rev (1m)0.26%
Revenue NQ rev (3m)23.76%
Revenue NY rev (1m)0.17%
Revenue NY rev (3m)3.53%
Valuation
Industry RankSector Rank
PE 10.5
Fwd PE 8.76
P/S 3.7
P/FCF 11.82
P/OCF 10.74
P/B 1.23
P/tB 1.5
EV/EBITDA N/A
EPS(TTM)3.69
EY9.53%
EPS(NY)4.42
Fwd EY11.42%
FCF(TTM)3.28
FCFY8.46%
OCF(TTM)3.61
OCFY9.31%
SpS10.48
BVpS31.45
TBVpS25.82
PEG (NY)0.53
PEG (5Y)N/A
Profitability
Industry RankSector Rank
ROA 0.91%
ROE 9.98%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 29.94%
GM N/A
FCFM 31.28%
ROA(3y)0.92%
ROA(5y)1.04%
ROE(3y)10.77%
ROE(5y)11.24%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexcg growth 3YN/A
ROICexcg growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-6.62%
PM growth 5Y-2.31%
GM growth 3YN/A
GM growth 5YN/A
F-Score9
Asset Turnover0.03
Health
Industry RankSector Rank
Debt/Equity 0.41
Debt/FCF 3.97
Debt/EBITDA N/A
Cap/Depr 144.23%
Cap/Sales 3.15%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 104.46%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score9
WACC12.53%
ROIC/WACCN/A
Cap/Depr(3y)88.02%
Cap/Depr(5y)74.34%
Cap/Sales(3y)1.97%
Cap/Sales(5y)1.7%
Profit Quality(3y)140.75%
Profit Quality(5y)130.54%
High Growth Momentum
Growth
EPS 1Y (TTM)24.24%
EPS 3Y-7.08%
EPS 5Y0%
EPS Q2Q%77.59%
EPS Next Y19.91%
EPS Next 2Y17.12%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)8.39%
Revenue growth 3Y-1.83%
Revenue growth 5Y0.84%
Sales Q2Q%22.95%
Revenue Next Year37.15%
Revenue Next 2Y21.02%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-14.69%
FCF growth 3Y-26.74%
FCF growth 5Y14.12%
OCF growth 1Y-9.74%
OCF growth 3Y-24.7%
OCF growth 5Y13.12%