CAMDEN NATIONAL CORP (CAC) Fundamental Analysis & Valuation

NASDAQ:CAC • US1330341082

Current stock price

46.2 USD
-0.7 (-1.5%)
At close:
46.2 USD
0 (0%)
After Hours:

This CAC fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

3

1. CAC Profitability Analysis

1.1 Basic Checks

  • CAC had positive earnings in the past year.
  • In the past year CAC had a positive cash flow from operations.
  • Each year in the past 5 years CAC has 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 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 50M 100M

1.2 Ratios

  • CAC's Return On Assets of 0.93% is in line compared to the rest of the industry. CAC outperforms 49.74% of its industry peers.
  • The Return On Equity of CAC (9.35%) is comparable to the rest of the industry.
Industry RankSector Rank
ROA 0.93%
ROE 9.35%
ROIC N/A
ROA(3y)0.87%
ROA(5y)0.99%
ROE(3y)9.36%
ROE(5y)10.88%
ROIC(3y)N/A
ROIC(5y)N/A
CAC Yearly ROA, ROE, ROICCAC Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2 4 6 8 10

1.3 Margins

  • CAC has a Profit Margin (25.48%) 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 RankSector Rank
OM N/A
PM (TTM) 25.48%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-7.83%
PM growth 5Y-4.31%
GM growth 3YN/A
GM growth 5YN/A
CAC Yearly Profit, Operating, Gross MarginsCAC Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 10 20 30

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1

2. CAC Health Analysis

2.1 Basic Checks

  • CAC does not have a ROIC to compare to the WACC, probably because it is not profitable.
  • CAC has more shares outstanding than it did 1 year ago.
  • Compared to 5 years ago, CAC has more shares outstanding
  • The debt/assets ratio for CAC is higher compared to a year ago.
CAC Yearly Shares OutstandingCAC Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5M 10M 15M
CAC Yearly Total Debt VS Total AssetsCAC Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2B 4B 6B

2.2 Solvency

  • The Debt to FCF ratio of CAC is 5.45, which is a neutral value as it means it would take CAC, 5.45 years of fcf income to pay off all of its debts.
  • CAC has a Debt to FCF ratio of 5.45. This is in the lower half of the industry: CAC underperforms 71.32% of its industry peers.
  • CAC has a Debt/Equity ratio of 0.46. This is a healthy value indicating a solid balance between debt and equity.
  • With a Debt to Equity ratio value of 0.46, CAC is not doing good in the industry: 74.74% of the companies in the same industry are doing better.
Industry RankSector Rank
Debt/Equity 0.46
Debt/FCF 5.45
Altman-Z N/A
ROIC/WACCN/A
WACC12.37%
CAC Yearly LT Debt VS Equity VS FCFCAC Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 200M 400M 600M

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 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 100M 200M 300M 400M

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5

3. CAC Growth Analysis

3.1 Past

  • The Earnings Per Share has grown by an nice 19.51% over the past year.
  • Measured over the past 5 years, CAC shows a small growth in Earnings Per Share. The EPS has been growing by 2.23% on average per year.
  • Looking at the last year, CAC shows a very strong growth in Revenue. The Revenue has grown by 44.51%.
  • CAC shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 6.49% yearly.
EPS 1Y (TTM)19.51%
EPS 3Y1.88%
EPS 5Y2.23%
EPS Q2Q%29.13%
Revenue 1Y (TTM)44.51%
Revenue growth 3Y10.73%
Revenue growth 5Y6.49%
Sales Q2Q%43.04%

3.2 Future

  • The Earnings Per Share is expected to grow by 16.22% on average over the next years. This is quite good.
  • CAC is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 7.29% yearly.
EPS Next Y24.25%
EPS Next 2Y16.22%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year8.54%
Revenue Next 2Y7.29%
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

  • The EPS growth rate is accelerating: in the next years the growth will be better than in the last years.
  • When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is stable.
CAC Yearly Revenue VS EstimatesCAC Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 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 2027 1 2 3 4 5

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6

4. CAC Valuation Analysis

4.1 Price/Earnings Ratio

  • CAC is valuated reasonably with a Price/Earnings ratio of 10.48.
  • Based on the Price/Earnings ratio, CAC is valued a bit cheaper than the industry average as 67.63% of the companies are valued more expensively.
  • CAC's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 24.89.
  • A Price/Forward Earnings ratio of 8.43 indicates a reasonable valuation of CAC.
  • 82.89% of the companies in the same industry are more expensive than CAC, based on the Price/Forward Earnings ratio.
  • When comparing the Price/Forward Earnings ratio of CAC to the average of the S&P500 Index (22.19), we can say CAC is valued rather cheaply.
Industry RankSector Rank
PE 10.48
Fwd PE 8.43
CAC Price Earnings VS Forward Price EarningsCAC Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20

4.2 Price Multiples

  • Compared to the rest of the industry, the Price/Free Cash Flow ratio of CAC is on the same level as its industry peers.
Industry RankSector Rank
P/FCF 13.44
EV/EBITDA N/A
CAC Per share dataCAC EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 10 20 30 40

4.3 Compensation for Growth

  • The low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
  • A more expensive valuation may be justified as CAC's earnings are expected to grow with 16.22% in the coming years.
PEG (NY)0.43
PEG (5Y)4.7
EPS Next 2Y16.22%
EPS Next 3YN/A

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Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

8

5. CAC Dividend Analysis

5.1 Amount

  • With a Yearly Dividend Yield of 3.58%, CAC has a reasonable but not impressive dividend return.
  • Compared to an average industry Dividend Yield of 2.66, CAC pays a bit more dividend than its industry peers.
  • CAC's Dividend Yield is rather good when compared to the S&P500 average which is at 1.89.
Industry RankSector Rank
Dividend Yield 3.58%

5.2 History

  • The dividend of CAC is nicely growing with an annual growth rate of 6.49%!
  • 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)6.49%
Div Incr Years0
Div Non Decr Years16
CAC Yearly Dividends per shareCAC Yearly Dividends per shareYearly Dividends per share 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 0.5 1 1.5

5.3 Sustainability

  • 43.70% of the earnings are spent on dividend by CAC. This is a bit on the high side, but may be sustainable.
  • CAC's earnings are growing more than its dividend. This makes the dividend growth sustainable.
DP43.7%
EPS Next 2Y16.22%
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 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 50M 100M
CAC Dividend Payout.CAC Dividend Payout, showing the Payout Ratio.CAC Dividend Payout.PayoutRetained Earnings

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CAC Fundamentals: All Metrics, Ratios and Statistics

CAMDEN NATIONAL CORP

NASDAQ:CAC (3/27/2026, 8:04:00 PM)

After market: 46.2 0 (0%)

46.2

-0.7 (-1.5%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-27
Earnings (Next)05-04
Inst Owners74.15%
Inst Owner Change0.07%
Ins Owners1.83%
Ins Owner Change1.21%
Market Cap782.17M
Revenue(TTM)255.78M
Net Income(TTM)65.16M
Analysts72.5
Price Target52.79 (14.26%)
Short Float %3.17%
Short Ratio5.34
Dividend
Industry RankSector Rank
Dividend Yield 3.58%
Yearly Dividend1.81
Dividend Growth(5Y)6.49%
DP43.7%
Div Incr Years0
Div Non Decr Years16
Ex-Date01-15
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)1.83%
Min EPS beat(2)-0.16%
Max EPS beat(2)3.82%
EPS beat(4)1
Avg EPS beat(4)-5.35%
Min EPS beat(4)-20.51%
Max EPS beat(4)3.82%
EPS beat(8)5
Avg EPS beat(8)5.96%
EPS beat(12)6
Avg EPS beat(12)0.83%
EPS beat(16)7
Avg EPS beat(16)0.06%
Revenue beat(2)2
Avg Revenue beat(2)2.5%
Min Revenue beat(2)1.83%
Max Revenue beat(2)3.16%
Revenue beat(4)4
Avg Revenue beat(4)2.16%
Min Revenue beat(4)0.76%
Max Revenue beat(4)3.16%
Revenue beat(8)8
Avg Revenue beat(8)10.32%
Revenue beat(12)9
Avg Revenue beat(12)4.56%
Revenue beat(16)10
Avg Revenue beat(16)2.86%
PT rev (1m)0%
PT rev (3m)11.29%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-1.15%
EPS NY rev (1m)-0.71%
EPS NY rev (3m)-0.7%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-0.22%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0.67%
Valuation
Industry RankSector Rank
PE 10.48
Fwd PE 8.43
P/S 3.06
P/FCF 13.44
P/OCF 12.24
P/B 1.12
P/tB 1.56
EV/EBITDA N/A
EPS(TTM)4.41
EY9.55%
EPS(NY)5.48
Fwd EY11.86%
FCF(TTM)3.44
FCFY7.44%
OCF(TTM)3.78
OCFY8.17%
SpS15.11
BVpS41.14
TBVpS29.68
PEG (NY)0.43
PEG (5Y)4.7
Graham Number63.89
Profitability
Industry RankSector Rank
ROA 0.93%
ROE 9.35%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 25.48%
GM N/A
FCFM 22.76%
ROA(3y)0.87%
ROA(5y)0.99%
ROE(3y)9.36%
ROE(5y)10.88%
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-7.83%
PM growth 5Y-4.31%
GM growth 3YN/A
GM growth 5YN/A
F-Score6
Asset Turnover0.04
Health
Industry RankSector Rank
Debt/Equity 0.46
Debt/FCF 5.45
Debt/EBITDA N/A
Cap/Depr 51.42%
Cap/Sales 2.23%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 89.32%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score6
WACC12.37%
ROIC/WACCN/A
Cap/Depr(3y)87.27%
Cap/Depr(5y)71.73%
Cap/Sales(3y)2.33%
Cap/Sales(5y)1.83%
Profit Quality(3y)114.51%
Profit Quality(5y)143.24%
High Growth Momentum
Growth
EPS 1Y (TTM)19.51%
EPS 3Y1.88%
EPS 5Y2.23%
EPS Q2Q%29.13%
EPS Next Y24.25%
EPS Next 2Y16.22%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)44.51%
Revenue growth 3Y10.73%
Revenue growth 5Y6.49%
Sales Q2Q%43.04%
Revenue Next Year8.54%
Revenue Next 2Y7.29%
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 1Y5.14%
FCF growth 3Y-17.33%
FCF growth 5Y30.63%
OCF growth 1Y4.89%
OCF growth 3Y-15.31%
OCF growth 5Y28.56%

CAMDEN NATIONAL CORP / CAC Fundamental Analysis FAQ

Can you provide the ChartMill fundamental rating for CAMDEN NATIONAL CORP?

ChartMill assigns a fundamental rating of 4 / 10 to CAC.


Can you provide the valuation status for CAMDEN NATIONAL CORP?

ChartMill assigns a valuation rating of 6 / 10 to CAMDEN NATIONAL CORP (CAC). This can be considered as Fairly Valued.


How profitable is CAMDEN NATIONAL CORP (CAC) stock?

CAMDEN NATIONAL CORP (CAC) has a profitability rating of 3 / 10.


How financially healthy is CAMDEN NATIONAL CORP?

The financial health rating of CAMDEN NATIONAL CORP (CAC) is 1 / 10.


What is the earnings growth outlook for CAMDEN NATIONAL CORP?

The Earnings per Share (EPS) of CAMDEN NATIONAL CORP (CAC) is expected to grow by 24.25% in the next year.