40.54 USD
-1.01 (-2.43%)
40.54 USD
0 (0%)
Taking everything into account, CAC scores 4 out of 10 in our fundamental rating. CAC was compared to 387 industry peers in the Banks industry. CAC may be in some trouble as it scores bad on both profitability and health. A decent growth rate in combination with a cheap valuation! Better keep an eye on CAC. Finally CAC also has an excellent dividend rating.
1. Profitability
1.1 Basic Checks
In the past year CAC was profitable.
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.
1.2 Ratios
CAC has a Return On Assets (0.83%) which is comparable to the rest of the industry.
The Return On Equity of CAC (8.52%) is comparable to the rest of the industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.83% | ||
| ROE | 8.52% | ||
| 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
1.3 Margins
CAC has a Profit Margin (24.48%) which is comparable to the rest of the 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 Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | 24.48% | ||
| 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
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.
Compared to 1 year ago, CAC has an improved debt to assets ratio.
2.2 Solvency
The Debt to FCF ratio of CAC is 3.96, which is a good value as it means it would take CAC, 3.96 years of fcf income to pay off all of its debts.
Looking at the Debt to FCF ratio, with a value of 3.96, CAC is doing worse than 65.12% of the companies in the same industry.
A Debt/Equity ratio of 0.47 indicates that CAC is not too dependend on debt financing.
CAC has a Debt to Equity ratio of 0.47. This is in the lower half of the industry: CAC underperforms 75.71% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.47 | ||
| Debt/FCF | 3.96 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC12.97%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
CAC shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 26.85%, which is quite impressive.
Looking at the last year, CAC shows a very strong growth in Revenue. The Revenue has grown by 39.97%.
Measured over the past years, CAC shows a small growth in Revenue. The Revenue has been growing by 0.84% on average per year.
EPS 1Y (TTM)26.85%
EPS 3Y-7.08%
EPS 5Y0%
EPS Q2Q%31.91%
Revenue 1Y (TTM)39.97%
Revenue growth 3Y-1.83%
Revenue growth 5Y0.84%
Sales Q2Q%45.35%
3.2 Future
CAC is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 17.72% yearly.
Based on estimates for the next years, CAC will show a quite strong growth in Revenue. The Revenue will grow by 18.19% on average per year.
EPS Next Y17.94%
EPS Next 2Y20.02%
EPS Next 3Y17.72%
EPS Next 5YN/A
Revenue Next Year45.07%
Revenue Next 2Y24.6%
Revenue Next 3Y18.19%
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.
4. Valuation
4.1 Price/Earnings Ratio
Based on the Price/Earnings ratio of 9.86, the valuation of CAC can be described as reasonable.
Based on the Price/Earnings ratio, CAC is valued a bit cheaper than 78.29% of the companies in the same industry.
The average S&P500 Price/Earnings ratio is at 26.15. CAC is valued rather cheaply when compared to this.
The Price/Forward Earnings ratio is 7.63, which indicates a rather cheap valuation of CAC.
CAC's Price/Forward Earnings ratio is rather cheap when compared to the industry. CAC is cheaper than 88.11% of the companies in the same industry.
CAC's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 36.12.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 9.86 | ||
| Fwd PE | 7.63 |
4.2 Price Multiples
Compared to the rest of the industry, the Price/Free Cash Flow ratio of CAC indicates a somewhat cheap valuation: CAC is cheaper than 76.23% of the companies listed in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 8.55 | ||
| EV/EBITDA | N/A |
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 17.72% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.55
PEG (5Y)N/A
EPS Next 2Y20.02%
EPS Next 3Y17.72%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 4.39%, CAC is a good candidate for dividend investing.
CAC's Dividend Yield is rather good when compared to the industry average which is at 3.33. CAC pays more dividend than 83.20% of the companies in the same industry.
CAC's Dividend Yield is rather good when compared to the S&P500 average which is at 2.41.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.39% |
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 its dividend for at least 10 years, so it has a reliable track record of non decreasing dividend.
Dividend Growth(5Y)6.82%
Div Incr Years0
Div Non Decr Years16
5.3 Sustainability
49.20% 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.
DP49.2%
EPS Next 2Y20.02%
EPS Next 3Y17.72%
40.54
-1.01 (-2.43%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners73.94%
Inst Owner Change0.66%
Ins Owners1.8%
Ins Owner Change1.67%
Market Cap685.94M
Revenue(TTM)235.30M
Net Income(TTM)57.60M
Analysts77.5
Price Target46.41 (14.48%)
Short Float %2.68%
Short Ratio6.17
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.39% |
Yearly Dividend1.69
Dividend Growth(5Y)6.82%
DP49.2%
Div Incr Years0
Div Non Decr Years16
Ex-Date
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)-8.34%
Min EPS beat(2)-20.51%
Max EPS beat(2)3.82%
EPS beat(4)2
Avg EPS beat(4)-1.5%
Min EPS beat(4)-20.51%
Max EPS beat(4)15.23%
EPS beat(8)5
Avg EPS beat(8)2.6%
EPS beat(12)6
Avg EPS beat(12)0.69%
EPS beat(16)8
Avg EPS beat(16)0.41%
Revenue beat(2)2
Avg Revenue beat(2)1.96%
Min Revenue beat(2)0.76%
Max Revenue beat(2)3.16%
Revenue beat(4)4
Avg Revenue beat(4)2.74%
Min Revenue beat(4)0.76%
Max Revenue beat(4)4.13%
Revenue beat(8)7
Avg Revenue beat(8)8.93%
Revenue beat(12)8
Avg Revenue beat(12)4%
Revenue beat(16)10
Avg Revenue beat(16)3.03%
PT rev (1m)0%
PT rev (3m)0%
EPS NQ rev (1m)6.4%
EPS NQ rev (3m)7.05%
EPS NY rev (1m)1.35%
EPS NY rev (3m)1.21%
Revenue NQ rev (1m)3.39%
Revenue NQ rev (3m)3.39%
Revenue NY rev (1m)1.68%
Revenue NY rev (3m)1.68%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 9.86 | ||
| Fwd PE | 7.63 | ||
| P/S | 2.92 | ||
| P/FCF | 8.55 | ||
| P/OCF | 7.96 | ||
| P/B | 1.01 | ||
| P/tB | 1.43 | ||
| EV/EBITDA | N/A |
EPS(TTM)4.11
EY10.14%
EPS(NY)5.32
Fwd EY13.11%
FCF(TTM)4.74
FCFY11.69%
OCF(TTM)5.09
OCFY12.56%
SpS13.91
BVpS39.98
TBVpS28.42
PEG (NY)0.55
PEG (5Y)N/A
Graham Number60.8
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.83% | ||
| ROE | 8.52% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 24.48% | ||
| GM | N/A | ||
| FCFM | 34.08% |
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
ROICexgc growth 3YN/A
ROICexgc 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-Score7
Asset Turnover0.03
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.47 | ||
| Debt/FCF | 3.96 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | 63.28% | ||
| Cap/Sales | 2.54% | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | 139.21% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score7
WACC12.97%
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)26.85%
EPS 3Y-7.08%
EPS 5Y0%
EPS Q2Q%31.91%
EPS Next Y17.94%
EPS Next 2Y20.02%
EPS Next 3Y17.72%
EPS Next 5YN/A
Revenue 1Y (TTM)39.97%
Revenue growth 3Y-1.83%
Revenue growth 5Y0.84%
Sales Q2Q%45.35%
Revenue Next Year45.07%
Revenue Next 2Y24.6%
Revenue Next 3Y18.19%
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-17.08%
FCF growth 3Y-26.74%
FCF growth 5Y14.12%
OCF growth 1Y-13.23%
OCF growth 3Y-24.7%
OCF growth 5Y13.12%
CAMDEN NATIONAL CORP / CAC FAQ
Can you provide the ChartMill fundamental rating for CAMDEN NATIONAL CORP?
ChartMill assigns a fundamental rating of 4 / 10 to CAC.
What is the valuation status for CAC stock?
ChartMill assigns a valuation rating of 7 / 10 to CAMDEN NATIONAL CORP (CAC). This can be considered as Undervalued.
How profitable is CAMDEN NATIONAL CORP (CAC) stock?
CAMDEN NATIONAL CORP (CAC) has a profitability rating of 3 / 10.
What is the financial health of CAMDEN NATIONAL CORP (CAC) stock?
The financial health rating of CAMDEN NATIONAL CORP (CAC) is 2 / 10.
What is the expected EPS growth for CAMDEN NATIONAL CORP (CAC) stock?
The Earnings per Share (EPS) of CAMDEN NATIONAL CORP (CAC) is expected to grow by 17.94% in the next year.