CAMDEN NATIONAL CORP (CAC) Fundamental Analysis & Valuation

NASDAQ:CAC • US1330341082

45.97 USD
-1.28 (-2.71%)
Last: Mar 5, 2026, 03:11 PM
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This CAC fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

Fundamental Rating

4

Overall CAC gets a fundamental rating of 4 out of 10. We evaluated CAC against 379 industry peers in the Banks industry. Both the profitability and financial health of CAC have multiple concerns. CAC has a decent growth rate and is not valued too expensively. Finally CAC also has an excellent dividend rating.


Dividend Valuation Growth Profitability Health

3

1. CAC Profitability Analysis

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.
  • CAC had a positive operating cash flow in 4 of the past 5 years.
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 has a Return On Assets (0.83%) which is comparable to the rest of the industry.
  • With a Return On Equity value of 8.52%, CAC perfoms like the industry average, outperforming 44.06% of the companies in the same industry.
Industry RankSector Rank
ROA 0.83%
ROE 8.52%
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's Profit Margin of 24.48% is in line compared to the rest of the industry. CAC outperforms 49.34% of its industry peers.
  • In the last couple of years the Profit Margin of CAC has declined.
  • 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) 24.48%
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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ROAROEROICOperating and Profit MarginShow most profitable peers

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.
  • Compared to 1 year ago, CAC has more shares outstanding
  • The number of shares outstanding for CAC has been increased compared to 5 years ago.
  • 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 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.
  • CAC's Debt to FCF ratio of 3.96 is on the low side compared to the rest of the industry. CAC is outperformed by 66.49% of its industry peers.
  • A Debt/Equity ratio of 0.47 indicates that CAC is not too dependend on debt financing.
  • The Debt to Equity ratio of CAC (0.47) is worse than 75.20% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.47
Debt/FCF 3.96
Altman-Z N/A
ROIC/WACCN/A
WACC12.47%
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 200M 400M 600M

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

5

3. CAC Growth Analysis

3.1 Past

  • The Earnings Per Share has grown by an nice 19.51% over the past year.
  • CAC shows a small growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 2.23% yearly.
  • CAC shows a strong growth in Revenue. In the last year, the Revenue has grown by 44.51%.
  • Measured over the past years, CAC shows a small growth in Revenue. The Revenue has been growing by 6.49% on average per year.
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 16.83% on average over the next years. This is quite good.
  • Based on estimates for the next years, CAC will show a small growth in Revenue. The Revenue will grow by 7.29% on average per year.
EPS Next Y25.14%
EPS Next 2Y16.83%
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

  • 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 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 2 4 6

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6

4. CAC Valuation Analysis

4.1 Price/Earnings Ratio

  • A Price/Earnings ratio of 10.42 indicates a reasonable valuation of CAC.
  • 71.77% of the companies in the same industry are more expensive than CAC, based on the Price/Earnings ratio.
  • Compared to an average S&P500 Price/Earnings ratio of 27.03, CAC is valued rather cheaply.
  • CAC is valuated reasonably with a Price/Forward Earnings ratio of 8.33.
  • 84.96% of the companies in the same industry are more expensive than CAC, based on the Price/Forward Earnings ratio.
  • The average S&P500 Price/Forward Earnings ratio is at 25.11. CAC is valued rather cheaply when compared to this.
Industry RankSector Rank
PE 10.42
Fwd PE 8.33
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

  • Compared to the rest of the industry, the Price/Free Cash Flow ratio of CAC indicates a somewhat cheap valuation: CAC is cheaper than 68.87% of the companies listed in the same industry.
Industry RankSector Rank
P/FCF 9.7
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

  • 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 16.83% in the coming years.
PEG (NY)0.41
PEG (5Y)4.68
EPS Next 2Y16.83%
EPS Next 3YN/A

More info and screens

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

8

5. CAC Dividend Analysis

5.1 Amount

  • CAC has a Yearly Dividend Yield of 3.48%. Purely for dividend investing, there may be better candidates out there.
  • CAC's Dividend Yield is a higher than the industry average which is at 2.72.
  • Compared to an average S&P500 Dividend Yield of 1.82, CAC pays a better dividend.
Industry RankSector Rank
Dividend Yield 3.48%

5.2 History

  • On average, the dividend of CAC grows each year by 6.82%, which is quite nice.
  • CAC has been paying a dividend for at least 10 years, so it has 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 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

  • 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 2Y16.83%
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 (3/5/2026, 3:11:21 PM)

45.97

-1.28 (-2.71%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-27
Earnings (Next)05-04
Inst Owners73.96%
Inst Owner Change0.01%
Ins Owners1.83%
Ins Owner Change0.34%
Market Cap777.81M
Revenue(TTM)255.78M
Net Income(TTM)57.60M
Analysts80
Price Target52.79 (14.84%)
Short Float %3.4%
Short Ratio5.79
Dividend
Industry RankSector Rank
Dividend Yield 3.48%
Yearly Dividend1.69
Dividend Growth(5Y)6.82%
DP49.2%
Div Incr Years0
Div Non Decr Years16
Ex-Date01-15
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)11.29%
PT rev (3m)13.74%
EPS NQ rev (1m)0%
EPS NQ rev (3m)0.79%
EPS NY rev (1m)0.02%
EPS NY rev (3m)3.82%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0%
Revenue NY rev (1m)0.67%
Revenue NY rev (3m)1.41%
Valuation
Industry RankSector Rank
PE 10.42
Fwd PE 8.33
P/S 3.31
P/FCF 9.7
P/OCF 9.03
P/B 1.15
P/tB 1.62
EV/EBITDA N/A
EPS(TTM)4.41
EY9.59%
EPS(NY)5.52
Fwd EY12%
FCF(TTM)4.74
FCFY10.31%
OCF(TTM)5.09
OCFY11.08%
SpS13.91
BVpS39.98
TBVpS28.42
PEG (NY)0.41
PEG (5Y)4.68
Graham Number62.98
Profitability
Industry RankSector 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)0.87%
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-Score7
Asset Turnover0.03
Health
Industry RankSector 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
WACC12.47%
ROIC/WACCN/A
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)N/A
Cap/Sales(5y)N/A
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)19.51%
EPS 3Y1.88%
EPS 5Y2.23%
EPS Q2Q%29.13%
EPS Next Y25.14%
EPS Next 2Y16.83%
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 1Y3470.17%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y1184.47%
OCF growth 3YN/A
OCF growth 5YN/A

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.


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 25.14% in the next year.