CAMDEN NATIONAL CORP (CAC) Stock Fundamental Analysis

NASDAQ:CAC • US1330341082

48.73 USD
-1.83 (-3.62%)
At close: Feb 18, 2026
48.73 USD
0 (0%)
After Hours: 2/18/2026, 8:17:34 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership News
Fundamental Rating

4

Overall CAC gets a fundamental rating of 4 out of 10. We evaluated CAC against 381 industry peers in the Banks industry. Both the profitability and financial health of CAC have multiple concerns. CAC is not valued too expensively and it also shows a decent growth rate. CAC also has an excellent dividend rating.


Dividend Valuation Growth Profitability Health

3

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.
  • Of the past 5 years CAC 4 years had a positive operating cash flow.
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 in line with its industry peers.
  • Looking at the Return On Equity, with a value of 8.52%, CAC is in line with its industry, outperforming 46.19% 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 50.92% of its industry peers.
  • In the last couple of years the Profit Margin of CAC has declined.
  • The Operating Margin and Gross Margin are not available for CAC so they could not be analyzed.
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

More info and screens

ROAROEROICOperating and Profit MarginShow most profitable peers

1

2. Health

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
  • CAC has more shares outstanding than it did 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

  • CAC has a debt to FCF ratio of 3.96. This is a good value and a sign of high solvency as CAC would need 3.96 years to pay back of all of its debts.
  • With a Debt to FCF ratio value of 3.96, CAC is not doing good in the industry: 66.67% of the companies in the same industry are doing better.
  • CAC has a Debt/Equity ratio of 0.47. This is a healthy value indicating a solid balance between debt and equity.
  • The Debt to Equity ratio of CAC (0.47) is worse than 74.80% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.47
Debt/FCF 3.96
Altman-Z N/A
ROIC/WACCN/A
WACC12.34%
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

More info and screens

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

5

3. Growth

3.1 Past

  • The Earnings Per Share has grown by an nice 19.51% over the past year.
  • The Earnings Per Share has been growing slightly by 2.23% on average over the past years.
  • Looking at the last year, CAC shows a very strong growth in Revenue. 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

  • CAC is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 16.83% yearly.
  • 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 Year8.69%
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 2 4 6

More info and screens

Find the best growth stocksShow best growing peers

6

4. Valuation

4.1 Price/Earnings Ratio

  • A Price/Earnings ratio of 11.05 indicates a reasonable valuation of CAC.
  • Based on the Price/Earnings ratio, CAC is valued a bit cheaper than the industry average as 68.24% of the companies are valued more expensively.
  • When comparing the Price/Earnings ratio of CAC to the average of the S&P500 Index (27.27), we can say CAC is valued rather cheaply.
  • With a Price/Forward Earnings ratio of 8.83, the valuation of CAC can be described as very reasonable.
  • 82.68% 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 (28.16), we can say CAC is valued rather cheaply.
Industry RankSector Rank
PE 11.05
Fwd PE 8.83
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 67.19% of the companies listed in the same industry.
Industry RankSector Rank
P/FCF 10.28
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 16.83% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.44
PEG (5Y)4.96
EPS Next 2Y16.83%
EPS Next 3YN/A

More info and screens

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

8

5. Dividend

5.1 Amount

  • With a Yearly Dividend Yield of 3.39%, CAC has a reasonable but not impressive dividend return.
  • Compared to an average industry Dividend Yield of 2.78, CAC pays a bit more dividend than its industry peers.
  • Compared to an average S&P500 Dividend Yield of 1.84, CAC pays a better dividend.
Industry RankSector Rank
Dividend Yield 3.39%

5.2 History

  • The dividend of CAC is nicely growing with an annual growth rate of 6.82%!
  • 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
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

More info and screens

Find the best dividend stocksShow peers with best dividend

CAMDEN NATIONAL CORP

NASDAQ:CAC (2/18/2026, 8:17:34 PM)

After market: 48.73 0 (0%)

48.73

-1.83 (-3.62%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-27
Earnings (Next)05-04
Inst Owners73.96%
Inst Owner Change-0.33%
Ins Owners1.83%
Ins Owner Change0.34%
Market Cap824.51M
Revenue(TTM)255.78M
Net Income(TTM)57.60M
Analysts80
Price Target50.66 (3.96%)
Short Float %3.24%
Short Ratio5.77
Dividend
Industry RankSector Rank
Dividend Yield 3.39%
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)6.81%
PT rev (3m)9.76%
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)0.81%
Revenue NY rev (3m)1.55%
Valuation
Industry RankSector Rank
PE 11.05
Fwd PE 8.83
P/S 3.5
P/FCF 10.28
P/OCF 9.57
P/B 1.22
P/tB 1.71
EV/EBITDA N/A
EPS(TTM)4.41
EY9.05%
EPS(NY)5.52
Fwd EY11.32%
FCF(TTM)4.74
FCFY9.73%
OCF(TTM)5.09
OCFY10.45%
SpS13.91
BVpS39.98
TBVpS28.42
PEG (NY)0.44
PEG (5Y)4.96
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
WACC12.34%
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 Year8.69%
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.