Camden Natl Corp Financials
This page shows Camden Natl Corp (CAC) financial statements, including the income statement, balance sheet, cash flow statement, and key financial ratios. View 16 years of annual fundamentals and quarterly data, with year-over-year growth rates and compound annual growth rates (CAGR). All figures are derived from SEC filings (10-K and 10-Q reports).
Financial Health Signals
Based on FY2024 annual data. Scores normalized against common benchmarks. How we calculate these scores
Camden Natl Corp's revenue grew 6.3% year-over-year to $35.7M, a solid pace of expansion. This earns a growth score of 47/100.
Camden Natl Corp has elevated debt relative to equity (D/E of 9.93), meaning the company relies heavily on borrowed funds. This high leverage results in a low score of 0/100, reflecting increased financial risk.
Camden Natl Corp converts 155.1% of revenue into free cash flow ($55.4M). This strong cash generation earns a score of 100/100.
Camden Natl Corp's ROE of 10.0% shows moderate profitability relative to equity, earning a score of 40/100. This is up from 8.8% the prior year.
Camden Natl Corp passes 5 of 9 financial strength tests. All 4 profitability signals pass (positive income, cash flow, and earnings quality), no leverage/liquidity signals pass (rising debt, declining liquidity, or share dilution), both operating efficiency signals pass.
For every $1 of reported earnings, Camden Natl Corp generates $1.15 in operating cash flow ($60.9M OCF vs $53.0M net income). This indicates profits are well-supported by actual cash generation, not accounting adjustments.
Key Financial Metrics
Camden Natl Corp generated $35.7M in revenue in fiscal year 2024. This represents an increase of 6.3% from the prior year.
Camden Natl Corp generated $55.4M in free cash flow in fiscal year 2024, representing cash available after capex. This represents a decrease of 14.7% from the prior year.
Camden Natl Corp reported $53.0M in net income in fiscal year 2024. This represents an increase of 22.2% from the prior year.
Camden Natl Corp earned $3.62 per diluted share (EPS) in fiscal year 2024. This represents an increase of 21.9% from the prior year.
Camden Natl Corp held $215.0M in cash against $0 in long-term debt as of fiscal year 2024.
Camden Natl Corp paid $1.68 per share in dividends in fiscal year 2024. This represents an increase of 0.0% from the prior year.
Camden Natl Corp had 15M shares outstanding in fiscal year 2024. This represents an increase of 0.1% from the prior year.
Camden Natl Corp's net profit margin was 148.5% in fiscal year 2024, showing the share of revenue converted to profit. This is up 19.3 percentage points from the prior year.
Camden Natl Corp's ROE was 10.0% in fiscal year 2024, measuring profit generated per dollar of shareholder equity. This is up 1.2 percentage points from the prior year.
Camden Natl Corp spent $1.6M on share buybacks in fiscal year 2024, returning capital to shareholders by reducing shares outstanding. This represents a decrease of 19.6% from the prior year.
Camden Natl Corp invested $5.6M in capex in fiscal year 2024, funding long-term assets and infrastructure. This represents an increase of 112.7% from the prior year.
CAC Income Statement
| Metric | Q3'25 | Q2'25 | Q1'25 | Q3'24 | Q3'24 | Q2'24 | Q1'24 | Q4'23 |
|---|---|---|---|---|---|---|---|---|
| Revenue | $10.6M+1.9% | $10.4M+8.8% | $9.5M+1.5% | $9.4M+3.3% | $9.1M+1.7% | $8.9M+7.4% | $8.3M-5.7% | $8.8M |
| Cost of Revenue | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Gross Profit | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| R&D Expenses | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| SG&A Expenses | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Operating Income | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Interest Expense | $29.6M-1.6% | $30.1M+2.0% | $29.5M+5.2% | $28.1M-6.8% | $30.1M+0.5% | $30.0M+3.7% | $28.9M+6.7% | $27.1M |
| Income Tax | $5.3M+44.2% | $3.7M+419.4% | -$1.2M-130.8% | $3.7M+34.3% | $2.8M-3.3% | $2.9M-6.1% | $3.1M+70.2% | $1.8M |
| Net Income | $21.2M+50.5% | $14.1M+92.2% | $7.3M-50.0% | $14.7M+12.2% | $13.1M+9.0% | $12.0M-9.6% | $13.3M+56.5% | $8.5M |
| EPS (Diluted) | $1.25+50.6% | $0.83+93.0% | $0.43-57.0% | $1.00+11.1% | $0.90+11.1% | $0.81-11.0% | $0.91+56.9% | $0.58 |
CAC Balance Sheet
| Metric | Q3'25 | Q2'25 | Q1'25 | Q3'24 | Q3'24 | Q2'24 | Q1'24 | Q4'23 |
|---|---|---|---|---|---|---|---|---|
| Total Assets | $7.0B+0.9% | $6.9B-0.6% | $7.0B+20.0% | $5.8B+1.0% | $5.7B+0.4% | $5.7B-1.2% | $5.8B+1.4% | $5.7B |
| Current Assets | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Cash & Equivalents | $98.8M-13.2% | $113.8M-48.1% | $219.4M+2.1% | $215.0M+54.1% | $139.5M+32.2% | $105.6M-40.3% | $176.7M+77.1% | $99.8M |
| Inventory | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Accounts Receivable | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Goodwill | $151.5M0.0% | $151.5M-1.5% | $153.8M+62.4% | $94.7M0.0% | $94.7M0.0% | $94.7M0.0% | $94.7M0.0% | $94.7M |
| Total Liabilities | $6.3B+0.6% | $6.3B-0.9% | $6.3B+19.9% | $5.3B+1.1% | $5.2B0.0% | $5.2B-1.5% | $5.3B+1.4% | $5.2B |
| Current Liabilities | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Long-Term Debt | N/A | N/A | N/A | $10.0M0.0% | $10.0M0.0% | $10.0M0.0% | $10.0M-7.3% | $10.8M |
| Total Equity | $676.4M+3.7% | $652.1M+1.9% | $640.1M+20.5% | $531.2M+0.3% | $529.9M+4.3% | $508.3M+1.3% | $501.6M+1.3% | $495.1M |
| Retained Earnings | $529.7M+2.7% | $515.7M+1.4% | $508.7M-0.1% | $509.5M+1.7% | $500.9M+1.4% | $494.0M+1.2% | $488.1M+1.5% | $481.0M |
CAC Cash Flow Statement
| Metric | Q3'25 | Q2'25 | Q1'25 | Q3'24 | Q3'24 | Q2'24 | Q1'24 | Q4'23 |
|---|---|---|---|---|---|---|---|---|
| Operating Cash Flow | $36.1M+498.4% | $6.0M+483.4% | $1.0M-97.6% | $43.2M+397.8% | -$14.5M-200.1% | $14.5M-18.4% | $17.8M+257.2% | -$11.3M |
| Capital Expenditures | $689K-53.6% | $1.5M-15.6% | $1.8M-13.3% | $2.0M+18.8% | $1.7M+32.8% | $1.3M+136.3% | $545K-38.9% | $892K |
| Free Cash Flow | $35.4M+678.9% | $4.5M+725.3% | -$727K-101.8% | $41.2M+353.8% | -$16.2M-222.8% | $13.2M-23.3% | $17.2M+241.2% | -$12.2M |
| Investing Cash Flow | -$82.0M-54.1% | -$53.2M-185.9% | $62.0M+1844.5% | -$3.6M-111.9% | $29.8M+235.9% | $8.9M+285.4% | -$4.8M+83.3% | -$28.6M |
| Financing Cash Flow | $30.9M+152.9% | -$58.4M+0.2% | -$58.5M-263.5% | $35.8M+91.9% | $18.7M+119.7% | -$94.5M-247.8% | $63.9M+189.0% | -$71.8M |
| Dividends Paid | $7.1M+0.2% | $7.1M+0.3% | $7.1M+15.5% | $6.1M+0.1% | $6.1M0.0% | $6.1M+0.1% | $6.1M+0.1% | $6.1M |
| Share Buybacks | $0-100.0% | $3.1M-28.4% | $4.4M+11870.3% | -$37K | $0-100.0% | $5.0M+157.5% | $2.0M | $0 |
CAC Financial Ratios
| Metric | Q3'25 | Q2'25 | Q1'25 | Q3'24 | Q3'24 | Q2'24 | Q1'24 | Q4'23 |
|---|---|---|---|---|---|---|---|---|
| Gross Margin | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Operating Margin | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Net Margin | 200.8%+64.9pp | 135.9%+59.0pp | 77.0%-79.5pp | 156.4%+12.4pp | 144.0%+9.7pp | 134.3%-25.4pp | 159.7%+63.5pp | 96.2% |
| Return on Equity | 3.1%+1.0pp | 2.2%+1.0pp | 1.1%-1.6pp | 2.8%+0.3pp | 2.5%+0.1pp | 2.4%-0.3pp | 2.6%+0.9pp | 1.7% |
| Return on Assets | 0.3%+0.1pp | 0.2%+0.1pp | 0.1%-0.1pp | 0.3%+0.0pp | 0.2%+0.0pp | 0.2%-0.0pp | 0.2%+0.1pp | 0.1% |
| Current Ratio | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Debt-to-Equity | 9.32-0.3 | 9.61-0.3 | 9.88-0.0 | 9.93+0.1 | 9.84-0.4 | 10.26-0.3 | 10.55+0.0 | 10.54 |
| FCF Margin | 335.5%+291.6pp | 43.9%+51.5pp | -7.6%-446.6pp | 439.0%+617.6pp | -178.7%-326.5pp | 147.9%-59.3pp | 207.2%+345.5pp | -138.3% |
Similar Companies
Frequently Asked Questions
What is Camden Natl Corp's annual revenue?
Camden Natl Corp (CAC) reported $35.7M in total revenue for fiscal year 2024. This represents a 6.3% change compared to the previous fiscal year. Revenue measures the total income earned from the company's primary business operations before any expenses are deducted.
How fast is Camden Natl Corp's revenue growing?
Camden Natl Corp (CAC) revenue grew by 6.3% year-over-year, from $33.6M to $35.7M in fiscal year 2024.
Is Camden Natl Corp profitable?
Yes, Camden Natl Corp (CAC) reported a net income of $53.0M in fiscal year 2024, with a net profit margin of 148.5%.
What is Camden Natl Corp's earnings per share (EPS)?
Camden Natl Corp (CAC) reported diluted earnings per share of $3.62 for fiscal year 2024. This represents a 21.9% change compared to the previous fiscal year. EPS represents the portion of a company's net income allocated to each outstanding share of common stock and is widely used to evaluate profitability on a per-share basis.
What is Camden Natl Corp's net profit margin?
Camden Natl Corp (CAC) had a net profit margin of 148.5% in fiscal year 2024, representing the share of revenue converted into profit after all expenses.
Does Camden Natl Corp pay dividends?
Yes, Camden Natl Corp (CAC) paid $1.68 per share in dividends during fiscal year 2024.
What is Camden Natl Corp's return on equity (ROE)?
Camden Natl Corp (CAC) has a return on equity of 10.0% for fiscal year 2024, measuring how efficiently the company generates profit from shareholder equity.
What is Camden Natl Corp's free cash flow?
Camden Natl Corp (CAC) generated $55.4M in free cash flow during fiscal year 2024. This represents a -14.7% change compared to the previous fiscal year. Free cash flow represents the cash a company generates after accounting for capital expenditures, and is widely used to assess financial flexibility and shareholder value.
What is Camden Natl Corp's operating cash flow?
Camden Natl Corp (CAC) generated $60.9M in operating cash flow during fiscal year 2024, representing cash generated from core business activities.
What are Camden Natl Corp's total assets?
Camden Natl Corp (CAC) had $5.8B in total assets as of fiscal year 2024, including both current and long-term assets.
What are Camden Natl Corp's capital expenditures?
Camden Natl Corp (CAC) invested $5.6M in capital expenditures during fiscal year 2024, funding long-term assets and infrastructure.
Does Camden Natl Corp buy back shares?
Yes, Camden Natl Corp (CAC) spent $1.6M on share buybacks during fiscal year 2024, returning capital to shareholders by reducing shares outstanding.
How many shares does Camden Natl Corp have outstanding?
Camden Natl Corp (CAC) had 15M shares outstanding as of fiscal year 2024.
What is Camden Natl Corp's debt-to-equity ratio?
Camden Natl Corp (CAC) had a debt-to-equity ratio of 9.93 as of fiscal year 2024, measuring the company's financial leverage by comparing total debt to shareholder equity.
What is Camden Natl Corp's return on assets (ROA)?
Camden Natl Corp (CAC) had a return on assets of 0.9% for fiscal year 2024, measuring how efficiently the company uses its assets to generate profit.
What is Camden Natl Corp's Piotroski F-Score?
Camden Natl Corp (CAC) has a Piotroski F-Score of 5 out of 9, indicating neutral financial health. The F-Score evaluates nine binary signals across profitability (positive ROA, positive cash flow, improving ROA, earnings quality), leverage (decreasing debt, improving liquidity, no share dilution), and operating efficiency (improving gross margin, improving asset turnover). Scores of 7–9 indicate strong and improving fundamentals. Learn more in our complete guide to financial health indicators.
Are Camden Natl Corp's earnings high quality?
Camden Natl Corp (CAC) has an earnings quality ratio of 1.15x, considered cash-backed (high quality). This ratio compares operating cash flow to net income. A ratio above 1.0x means the company generates more cash than its reported earnings, indicating sustainable, cash-backed profits. Ratios below 1.0x suggest earnings rely on accounting accruals rather than actual cash generation. Learn more in our complete guide to financial health indicators.
How financially healthy is Camden Natl Corp?
Camden Natl Corp (CAC) scores 47 out of 100 on our Financial Profile, indicating moderate overall financial health. This composite score evaluates six dimensions: profitability (operating margin), revenue growth, leverage (debt-to-equity), liquidity (current ratio), cash flow quality (free cash flow margin), and shareholder returns (return on equity). Each dimension is normalized against standard financial benchmarks. Learn more in our complete guide to financial health indicators.