CAC Stock - Camden National Corporation
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Financial Statements
| Metric | FY2024 | FY2023 | FY2022 | FY2021 | FY2020 |
|---|---|---|---|---|---|
| Revenue | $289.72M | $250.32M | $208.89M | $193.91M | $203.94M |
| Gross Profit | $172.11M | $156.07M | $179.29M | $186.05M | $170.63M |
| Gross Margin | 59.4% | 62.3% | 85.8% | 95.9% | 83.7% |
| Operating Income | $65.46M | $53.84M | $77.05M | $86.64M | $74.40M |
| Net Income | $53.00M | $43.38M | $61.44M | $69.01M | $59.49M |
| Net Margin | 18.3% | 17.3% | 29.4% | 35.6% | 29.2% |
| EPS | $3.63 | $2.98 | $4.18 | $4.62 | $3.96 |
Camden National Corporation operates as the bank holding company for Camden National Bank that provides various commercial and consumer banking products and services for consumer, institutional, municipal, non-profit, and commercial customers. The company accepts checking, savings, time, and brokered deposits, as well as deposits with the certificate of deposit account registry system. It also offers non-owner-occupied commercial estate loans, owner-occupied commercial real estate loans, unsecured fully-guaranteed commercial loans backed by the U.S. small business administration, loans secured by one-to four-family properties, and consumer and home equity loans. In addition, the company provides brokerage and insurance services through its financial offerings consisting of college, retirement, estate planning, mutual funds, strategic asset management accounts, and variable and fixed annuities. Further, it offers a range of fiduciary and asset management, wealth management, investment management, financial planning, and trustee services. As of December 31, 2021, the company had 57 branches within Maine; one residential mortgage lending office in Braintree, Massachusetts; two locations in New Hampshire, including a branch in Portsmouth and a commercial loan production office in Manchester; and an online residential mortgage and small commercial digital loan platform, as well as 66 ATMs. Camden National Corporation was founded in 1875 and is headquartered in Camden, Maine.
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Price Targets
Recent Analyst Actions
| Date | Firm | Action | Rating | Price Target |
|---|---|---|---|---|
| August 6th 2025 | Stephens | Upgrade | Overweight | $44 |
| December 20th 2024 | Raymond James | Upgrade | Outperform | $50 |
| December 21st 2022 | Raymond James | Initiation | Market Perform | - |
| August 4th 2022 | Stephens | Downgrade | Equal Weight | $48 |
Earnings History & Surprises
CACEPS Surprise History
Quarterly EPS Details
| Period | Report Date | Estimated EPS | Actual EPS | Surprise | Result |
|---|---|---|---|---|---|
Q2 2026 | May 4, 2026 | — | — | — | — |
Q1 2026 | Jan 27, 2026 | $1.32 | — | — | — |
Q4 2025 | Oct 28, 2025 | $1.23 | $1.24 | +0.8% | ✓ BEAT |
Q3 2025 | Jul 29, 2025 | $1.12 | $0.89 | -20.5% | ✗ MISS |
Q2 2025 | May 6, 2025 | $0.99 | $0.95 | -4.0% | ✗ MISS |
Q1 2025 | Jan 28, 2025 | $0.89 | $1.03 | +15.7% | ✓ BEAT |
Q4 2024 | Oct 29, 2024 | $0.83 | $0.94 | +13.3% | ✓ BEAT |
Q3 2024 | Jul 30, 2024 | $0.71 | $0.81 | +14.1% | ✓ BEAT |
Q2 2024 | Apr 30, 2024 | $0.70 | $0.91 | +30.0% | ✓ BEAT |
Q1 2024 | Jan 30, 2024 | $0.85 | $0.85 | 0.0% | = MET |
Q4 2023 | Oct 31, 2023 | $0.77 | $0.96 | +24.7% | ✓ BEAT |
Q3 2023 | Jul 25, 2023 | $0.81 | $0.85 | +4.9% | ✓ BEAT |
Q2 2023 | Apr 25, 2023 | $0.90 | $0.87 | -3.3% | ✗ MISS |
Q1 2023 | Jan 31, 2023 | $1.06 | $1.05 | -0.9% | ✗ MISS |
Q4 2022 | Oct 25, 2022 | $1.09 | $0.97 | -11.0% | ✗ MISS |
Q3 2022 | Jul 26, 2022 | $1.06 | $1.02 | -3.8% | ✗ MISS |
Q2 2022 | Apr 26, 2022 | $1.02 | $1.13 | +10.8% | ✓ BEAT |
Q1 2022 | Jan 25, 2022 | $1.04 | $1.11 | +6.7% | ✓ BEAT |
Q4 2021 | Oct 26, 2021 | $1.03 | $0.97 | -5.8% | ✗ MISS |
Q3 2021 | Jul 27, 2021 | $1.14 | $1.21 | +6.1% | ✓ BEAT |
Latest News
Camden National Authorized Repurchase Of Up To 850K Shares
📈 PositiveKeefe, Bruyette & Woods Maintains Market Perform on Camden National, Raises Price Target to $45
➖ NeutralCamden National Q3 Adj. EPS $1.24 Beats $1.18 Estimate, Sales $65.397M Beat $62.764M Estimate
📈 PositiveCamden National Appoints Marie McCarthy As Vice-Chair Of Board, Effective Immediately; Set To Succeed Larry Sterrs As Chair Upon His Retirement
➖ NeutralFrequently Asked Questions about CAC
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