Camden National Corp
CAC Nasdaq· National Commercial Banks
Last close · Oct 26, 2026
$58.46
KIRA · Stoqly’s AI analyst, in plain words
- Camden National Corp had $41.7M of revenue in fiscal 2025, up 17.0% on the year before. Over five years, revenue changed +8.5% a year on average.
- Camden National Corp made $65.2M of net profit in fiscal 2025. From fiscal 2016 to 2025, diluted EPS grew 4.6% a year.
- Camden National Corp returned $28.5M to shareholders in fiscal 2025, 49% of free cash flow. The diluted share count rose 16.0%.
- It earned 10.6% on shareholders’ money. Running costs took 371.0% of revenue (the efficiency ratio; lower is better).
Market cap
$994M
P/E
11.2x
Revenue
$41.7M
Net income
$65.2M
Return on equity
10.6%
Efficiency ratio
371.0%
Camden National Corp in 30 seconds · fiscal 2025
Are sales growing?
+17.0%
Yes. Sales grew 17.0% last year.
Does it make a profit?
156.1%
Yes. It keeps 156.1% of every sale as profit.
How lean are its costs?
371.0%
Costly. Running costs take 371.0% of revenue.
How much does it earn on its capital?
10.6%
Fair. It earns 10.6% a year on shareholders’ money.
How is the share priced?
11.2x
One share costs 11.2 times its yearly profit per share.
What Camden National Corp does
No business description yet.
- Fiscal year ends
- December 31, 2025
- Latest annual report
- 10-K · Mar 6, 2026
- Legal name
- CAMDEN NATIONAL CORP
- CIK
- 0000750686
Camden National Corp · CAC
Results and finances
The last 5 fiscal years. Amounts in USD.
| Fiscal year | FY21 | FY22 | FY23 | FY24 | FY25 |
|---|---|---|---|---|---|
| Sales and profit | |||||
| Revenue | $32.0M | $33.3M | $33.6M | $35.7M | $41.7M |
| Revenue growth | 15.2% | 4.1% | 0.9% | 6.3% | 17.0% |
| Net interest income | $137M | $148M | $132M | $132M | $203M |
| Net income | $69.0M | $61.4M | $43.4M | $53.0M | $65.2M |
| Net margin | 216.0% | 184.6% | 129.2% | 148.5% | 156.1% |
| Diluted EPS | $4.60 | $4.17 | $2.97 | $3.62 | $3.84 |
| Cash | |||||
| Cash from operations | $143M | $105M | $67.5M | $60.9M | $63.9M |
| Capital expenditure | $1.9M | $2.2M | $2.6M | $5.6M | $5.7M |
| Free cash flow | $141M | $103M | $64.9M | $55.4M | $58.2M |
| FCF margin | 440.8% | 309.6% | 193.3% | 155.1% | 139.4% |
| Dividends paid | $21.1M | $23.5M | $24.5M | $24.6M | $28.5M |
| Share buybacks | $10.1M | $10.2M | $2.0M | $1.6M | $0.0M |
| Share count change | −0.3% | −1.8% | −0.6% | 0.2% | 16.0% |
| Debt and strength | |||||
| Cash and short-term investments | $221M | $75.4M | $99.8M | $215M | $97.5M |
| Debt incl. finance leases | $216M | $270M | $490M | $507M | $588M |
| Loans, net | $3.4B | $4.0B | $4.1B | $4.1B | $4.9B |
| Deposits | $4.6B | $4.8B | $4.6B | $4.6B | $5.5B |
| Shareholders' equity | $541M | $451M | $495M | $531M | $697M |
| Returns and quality | |||||
| Return on equity | 12.9% | 12.4% | 9.2% | 10.3% | 10.6% |
| Return on tangible equity | 15.5% | 17.3% | 10.8% | 12.2% | 13.0% |
| Efficiency ratio | 324.6% | 321.1% | 319.8% | 313.7% | 371.0% |
| Piotroski F-score | 6 | 5 | 5 | 5 | 4 |
Insiders bought, 12 months
$0.0M
0 insiders
Insiders sold, 12 months
$0.0M
0 insiders
Of sales under plans
—
$0.0M
How to read these numbers
- Revenue:
- Total sales reported in the income statement.
- Net income:
- Profit after all expenses, interest and tax.
- Efficiency ratio:
- Noninterest expense as a share of revenue. Lower is better for banks.
- Return on equity:
- Net income as a share of average shareholders' equity.
- Return on tangible equity:
- Net income to common over equity minus goodwill and intangibles.
- Diluted EPS:
- Net income per diluted share.
Camden National Corp · CAC
Charts and comparison
Ten years at a glance, and how it stacks up against similar companies.
Revenue
Net income
Return on equity and efficiency ratio
Loans and deposits
Dividends and buybacks
Diluted EPS
KIRA
At $58.46 a share, the company is worth $994M: 11.2 times its earnings of the last four quarters.
Source: SEC EDGAR XBRL filings (CIK 0000750686). Data updated October 24, 2026. For information only — not investment advice. Check the original filings before relying on any figure.