What is Camden National Corporation's earnings per share (EPS)?

Camden National Corporation (CAC) reported diluted earnings per share of $3.84 for fiscal year 2025. This represents a 6.1% 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.

Camden National Corporation (CAC) Financials

CAC

Trailing 12 months to June 30, 2026

Revenue $265.2M +23.4% YoY

Net Income $88.7M +80.4% YoY

EPS (Diluted) $5.22 +65.2% YoY

Free Cash Flow $102.5M +256.5% YoY

Market Cap $979.0M as of Sep 12, 2026

Price / Sales 3.7x on $265.2M revenue, trailing 12 months to June 30, 2026

Price / Earnings 11.0x on $88.7M net income, trailing 12 months to June 30, 2026

Price / Book 1.3x on $725.9M equity, Q2 FY2026

A multiple compares the market's price with a filed figure; it says what the market pays, not how the business is doing. The market capitalization is the vendor's as of Sep 12, 2026; every other figure is from the SEC filings on this page. Not financial advice.

Source SEC Filings (10-K/10-Q) Latest period Q2 FY2026, ended Jun 30, 2026 Reported Aug 6, 2026 Currency USD FYE December

Newest figures come from the 10-Q for Q2 FY2026, filed Aug 6, 2026. Each column of the statement tables below links to the filing it was taken from, and every filing is listed on the CAC SEC filings page.

Camden National Corporation (CAC) reported $265.2M in revenue over the twelve months to Jun 30, 2026, up 23.4% from the prior twelve months. This page shows its income statement, balance sheet, cash flow statement, and key financial ratios. View 15 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).

Rhea AI CAC FY2025 2026-09-05

Balance-sheet expansion is absorbing a sharp revenue step-up while cash generation remains nearly flat.

From FY2024 to FY2025, revenue rose 44.5%, but operating cash flow increased only 5.0%, indicating that the latest expansion generated little incremental cash. Net income grew 23.0% while free cash flow rose 5.0%, so accounting earnings improved faster than cash available after investment.

The earnings pattern is one of partial operating absorption rather than full conversion: revenue grew 44.5%, yet net income grew 23.0%. Net margin compressed from 30.0% to 25.5%, showing that scale did not translate proportionally into bottom-line profitability. Interest expense stayed near $117M, while SG&A rose to $80M; the weaker margin is therefore not explained by a new interest-cost spike alone.

Assets expanded 20.1% while goodwill rose 59.5%, making the balance-sheet step-up notably more intangible-heavy. Equity growth nevertheless reduced debt-to-equity from 9.9x to 9.0x, indicating leverage eased relative to capital even as liabilities expanded.

Financial Health Signals

Financial Health Score 48/100

Scored as: Banks peer group

Scored against banks for FY2025. Each of the six dimensions is a percentile rank within that peer group; the overall is their average, with missing dimensions counted as zero out of six. A high score means strong standing among peers, not absolute cross-industry strength. How this score is calculated →

Health score ≠ stock price. This rates the quality of Camden National Corporation's business: profitability, growth, balance sheet strength. It doesn't tell you whether the stock is a good buy at today's price. Not financial advice. Use it alongside valuation analysis and your own research.

Earnings

Camden National Corporation earned a return on assets of 0.9% in fiscal year 2025, which is the profit it made on every dollar of assets on its books. This is unchanged from the prior year. Earnings ranks banks on that return over three years, and Camden National Corporation scores 51/100 among other banks.

Growth

Camden National Corporation reported revenue of $255.8M in fiscal year 2025, against $177.0M in fiscal year 2024. Growth ranks banks on the three-year path of their net revenue, which is interest income and fee income less the interest they pay out, and Camden National Corporation scores 83/100 among other banks.

Capital

Camden National Corporation funded 10.0% of its assets with shareholders' equity at the end of fiscal year 2025, holding $696.6M of equity against $7.0B of assets. Capital ranks banks on that cushion, and Camden National Corporation scores 29/100 among other banks.

Efficiency

Efficiency measures what a bank spends running itself against the revenue that spending brings in, so a lower ratio is the better one. Camden National Corporation scores 55/100 on it among other banks.

Credit Quality

Not available for Camden National Corporation, and counted as zero in the overall score.

Stability

Camden National Corporation reported net income of $65.2M in fiscal year 2025, against $53.0M in fiscal year 2024. Stability ranks banks on how steady net income has been across five years, and Camden National Corporation scores 72/100 among other banks.

Piotroski F-Score Partial

4/6

Camden National Corporation passes 4 of 6 computable financial strength tests (3 of the nine could not be computed from available data). 3 of 4 profitability signals pass, no leverage/liquidity signals pass (rising debt, declining liquidity, or share dilution), both operating efficiency signals pass.

Earnings Quality Mixed

0.98x

For every $1 of reported earnings, Camden National Corporation generates $0.98 in operating cash flow ($63.9M OCF vs $65.2M net income). This mixed ratio suggests some earnings may rely on non-cash accounting items.

Key Financial Metrics

Export CSV

Earnings & Revenue

Revenue

$67.4M

YoY+8.2%

QoQ+4.8%

5Y CAGR+8.5%

10Y CAGR+5.6%

Camden National Corporation generated $67.4M in revenue in Q2 2026. This represents an increase of 8.2% from the same quarter a year earlier. Against the prior quarter it is up 4.8%.

Net Income

$23.0M

YoY+63.5%

QoQ+5.2%

5Y CAGR+4.9%

10Y CAGR+9.1%

Camden National Corporation reported $23.0M in net income in Q2 2026. This represents an increase of 63.5% from the same quarter a year earlier. Against the prior quarter it is up 5.2%.

EPS (Diluted)

$1.35

YoY+62.7%

QoQ+4.7%

5Y CAGR+2.2%

10Y CAGR+8.1%

Camden National Corporation earned $1.35 per diluted share (EPS) in Q2 2026. This represents an increase of 62.7% from the same quarter a year earlier. Against the prior quarter it is up 4.7%.

EBITDA

Not reported for Q2 2026.

Cash & Balance Sheet

Free Cash Flow

$29.9M

YoY+557.8%

QoQ+64.0%

5Y CAGR+6.7%

10Y CAGR+9.5%

Camden National Corporation generated $29.9M in free cash flow in Q2 2026, representing cash available after capex. This represents an increase of 557.8% from the same quarter a year earlier. Against the prior quarter it is up 64.0%.

Cash & Debt

$99.9M

YoY-12.2%

QoQ-25.3%

5Y CAGR-0.8%

10Y CAGR+0.4%

Camden National Corporation held $99.9M in cash as of Q2 2026; long-term debt is not reported for that period.

Dividends Per Share

$0.42

YoY0.0%

QoQ0.0%

5Y CAGR+3.1%

Camden National Corporation paid $0.42 per share in dividends in Q2 2026. That is unchanged from the same quarter a year earlier. It is unchanged from the prior quarter.

Shares Outstanding

17M

YoY-0.1%

QoQ-0.1%

5Y CAGR+2.5%

10Y CAGR+5.1%

Camden National Corporation had 17M shares outstanding in Q2 2026. This represents a decrease of 0.1% from the same quarter a year earlier. Against the prior quarter it is down 0.1%.

Margins & Returns

Net Margin

34.2%

YoY+11.5pp

QoQ+0.1pp

5Y change-6.3pp

10Y change+9.5pp

Camden National Corporation's net profit margin was 34.2% in Q2 2026, showing the share of revenue converted to profit. This is up 11.5 percentage points from the same quarter a year earlier. Against the prior quarter it is up 0.1 percentage points.

Return on Equity

3.2%

YoY+1.0pp

QoQ+0.1pp

5Y change-0.2pp

10Y change+0.7pp

Camden National Corporation's ROE was 3.2% in Q2 2026, measuring profit generated per dollar of shareholder equity. This is up 1.0 percentage points from the same quarter a year earlier. Against the prior quarter it is up 0.1 percentage points.

Gross Margin

Not reported for Q2 2026.

Operating Margin

Not reported for Q2 2026.

Capital Allocation

Share Buybacks

$2.5M

QoQ+66.7%

Camden National Corporation spent $2.5M on share buybacks in Q2 2026, returning capital to shareholders by reducing shares outstanding. Against the prior quarter it is up 66.7%.

Capital Expenditures

$1.3M

YoY-15.9%

QoQ-29.6%

5Y CAGR+7.9%

10Y CAGR+12.0%

Camden National Corporation invested $1.3M in capex in Q2 2026, funding long-term assets and infrastructure. This represents a decrease of 15.9% from the same quarter a year earlier. Against the prior quarter it is down 29.6%.

R&D Spending

Not reported for Q2 2026.

CAC Income Statement

Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.

CAC quarterly income statement

Metric	TTM	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K	FY1210-K	FY1110-K
Revenue	$265.2M	$255.8M+44.5%	$177.0M+8.4%	$163.3M-13.3%	$188.4M+0.7%	$187.2M+0.2%	$186.8M+10.0%	$169.7M+7.0%	$158.6M+3.0%	$153.9M+0.8%	$152.7M+34.0%	$113.9M+13.2%	$100.6M-2.6%	$103.3M+6.3%	$97.2M-1.1%	$98.3M
SG&A Expenses	$79.8M	$79.8M+24.5%	$64.1M+6.8%	$60.0M-3.2%	$62.0M+1.7%	$61.0M+5.3%	$57.9M+6.3%	$54.5M+5.8%	$51.5M+4.9%	$49.1M+3.9%	$47.3M+27.0%	$37.2M+13.9%	$32.7M+0.2%	$32.6M+9.8%	$29.7M+3.7%	$28.6M
Interest Expense	$109.8M	$117.4M+0.3%	$117.1M+24.6%	$94.0M+274.5%	$25.1M+127.1%	$11.0M-47.1%	$20.9M-48.9%	$40.9M+32.0%	$31.0M+48.9%	$20.8M+25.7%	$16.6M+30.4%	$12.7M+4.7%	$12.1M-4.8%	$12.7M-25.9%	$17.2M-25.7%	$23.2M
Income Tax	$23.5M	$13.5M+8.3%	$12.5M+19.2%	$10.5M-33.0%	$15.6M-11.5%	$17.6M+18.2%	$14.9M+3.7%	$14.4M+13.1%	$12.7M-62.5%	$33.9M+93.9%	$17.5M+76.4%	$9.9M-13.4%	$11.4M-5.7%	$12.1M+11.5%	$10.9M-7.6%	$11.8M
Net Income	$88.7M	$65.2M+22.9%	$53.0M+22.2%	$43.4M-29.4%	$61.4M-11.0%	$69.0M+16.0%	$59.5M+4.0%	$57.2M+7.8%	$53.1M+86.4%	$28.5M-28.9%	$40.1M+91.2%	$21.0M-14.7%	$24.6M+7.8%	$22.8M-2.8%	$23.4M-10.5%	$26.2M
EPS (Basic)	N/A	$3.86+6.3%	$3.63+21.8%	$2.98-28.7%	$4.18-9.5%	$4.62+16.7%	$3.96+7.0%	$3.70+8.8%	$3.40+85.8%	$1.83-29.3%	$2.59+49.7%	$1.73-21.0%	$2.19-26.5%	$2.98-2.6%	$3.06-10.3%	$3.41
EPS (Diluted)	$5.22	$3.84+6.1%	$3.62+21.9%	$2.97-28.8%	$4.17-9.3%	$4.60+16.5%	$3.95+7.0%	$3.69+8.8%	$3.39+86.3%	$1.82-29.2%	$2.57+48.6%	$1.73-21.0%	$2.19-26.3%	$2.97-2.6%	$3.05-10.3%	$3.40
Diluted Shares (Avg)	N/A	17M+16.0%	15M+0.2%	15M-0.6%	15M-1.8%	15M-0.3%	15M-2.8%	15M-1.1%	16M+0.2%	16M+0.5%	16M+28.4%	12M+7.8%	11M+46.4%	8M-0.1%	8M-0.2%	8M

Metric	Q2'2610-Q	Q1'2610-Q	Q4'2510-Q	Q3'2510-Q	Q2'2510-Q	Q1'2510-Q	Q4'2410-K	Q3'2410-Q
Revenue	$67.4M+8.2%	$64.3M+7.1%	$68.1M+43.0%	$65.4M+45.3%	$62.3M+45.4%	$60.1M+44.4%	$47.6M+22.9%	$45.0M+19.5%
SG&A Expenses	$20.0M+3.3%	$19.6M-3.1%	$20.1M+25.7%	$20.1M+21.4%	$19.4M+24.3%	$20.2M+26.9%	$16.0M+3.7%	$16.5M+12.2%
Interest Expense	$26.1M-13.5%	$26.0M-11.9%	$28.1M+0.2%	$29.6M-1.7%	$30.1M+0.5%	$29.5M+2.2%	$28.1M+3.7%	$30.1M+20.1%
Income Tax	$6.3M+71.8%	$6.2M+637.7%	$5.7M+51.6%	$5.3M+90.7%	$3.7M+27.9%	-$1.2M-137.6%	$3.7M+107.6%	$2.8M+24.4%
Net Income	$23.0M+63.5%	$21.9M+198.7%	$22.6M+53.8%	$21.2M+62.1%	$14.1M+17.4%	$7.3M-44.8%	$14.7M+72.9%	$13.1M+33.6%
EPS (Basic)	$1.36+61.9%	$1.29+200.0%	$1.34+34.0%	$1.25+38.9%	$0.84+2.4%	$0.43-52.7%	$1.00+69.5%	$0.90+34.3%
EPS (Diluted)	$1.35+62.7%	$1.29+200.0%	$1.33+33.0%	$1.25+38.9%	$0.83+2.5%	$0.43-52.7%	$1.00+72.4%	$0.90+34.3%
Diluted Shares (Avg)	17M+0.2%	17M+0.6%	N/A	17M+16.1%	17M+15.9%	17M+15.8%	N/A	15M+0.3%

Not reported in any period shown, so not listed: Cost of Revenue, Gross Profit, R&D Expenses, Operating Income, EBITDA.

CAC Balance Sheet

CAC quarterly balance sheet

Metric	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K	FY1210-K	FY1110-K
Total Assets	$7.0B+20.1%	$5.8B+1.6%	$5.7B+0.8%	$5.7B+3.1%	$5.5B+12.3%	$4.9B+10.6%	$4.4B+3.1%	$4.3B+5.7%	$4.1B+5.2%	$3.9B+4.2%	$3.7B+33.0%	$2.8B+7.1%	$2.6B+1.5%	$2.6B+11.4%	$2.3B
Cash & Equivalents	$97.5M-54.6%	$215.0M+115.4%	$99.8M+32.3%	$75.4M-65.8%	$220.6M+51.3%	$145.8M+92.7%	$75.6M+12.9%	$67.0M-34.9%	$103.0M+17.4%	$87.7M+10.3%	$79.5M+30.7%	$60.8M+18.4%	$51.4M-11.9%	$58.3M+48.2%	$39.3M
Short-Term Investments	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0
Long-Term Investments	$0	$0	$0	$0	$0-100.0%	$1.1B+18.0%	$914.0M-2.1%	$933.4M+16.2%	$803.0M	$0	$0	$0	$0	$0	$0
Goodwill	$151.5M+60.0%	$94.7M0.0%	$94.7M0.0%	$94.7M0.0%	$94.7M0.0%	$94.7M0.0%	$94.7M0.0%	$94.7M0.0%	$94.7M0.0%	$94.7M-1.0%	$95.7M+113.5%	$44.8M0.0%	$44.8M-5.9%	$47.6M+14.2%	$41.7M
Total Liabilities	$6.3B+19.0%	$5.3B+1.0%	$5.2B0.0%	$5.2B+5.3%	$5.0B+13.5%	$4.4B+10.4%	$4.0B+2.4%	$3.9B+5.5%	$3.7B+5.5%	$3.5B+3.8%	$3.3B+31.5%	$2.5B+7.2%	$2.4B+1.8%	$2.3B+11.9%	$2.1B
Long-Term Debt	N/A	N/A	N/A	N/A	N/A	$25.0M+150.0%	$10.0M-13.6%	$11.6M+7.3%	$10.8M0.0%	$10.8M-70.0%	$35.9M+15.8%	$31.0M-0.3%	$31.1M-53.7%	$67.3M-7.5%	$72.7M
Total Equity	$696.6M+31.1%	$531.2M+7.3%	$495.1M+9.7%	$451.3M-16.6%	$541.3M+2.3%	$529.3M+11.8%	$473.4M+8.6%	$435.8M+8.0%	$403.4M+3.0%	$391.5M+7.8%	$363.2M+48.2%	$245.1M+6.1%	$231.1M-1.2%	$233.8M+6.8%	$218.9M
Retained Earnings	$545.1M+7.0%	$509.5M+5.9%	$481.0M+4.1%	$462.2M+8.9%	$424.4M+12.4%	$377.5M+10.8%	$340.6M+12.8%	$302.0M+13.2%	$266.7M+6.9%	$249.4M+12.2%	$222.3M+4.9%	$212.0M+8.3%	$195.7M+8.0%	$181.2M+9.5%	$165.4M

Metric	Q2'2610-Q	Q1'2610-Q	Q4'2510-Q	Q3'2510-Q	Q2'2510-Q	Q1'2510-Q	Q4'2410-K	Q3'2410-Q
Total Assets	$7.0B+0.4%	$7.0B0.0%	$7.0B+20.1%	$7.0B+21.5%	$6.9B+20.9%	$7.0B+20.2%	$5.8B+1.6%	$5.7B-0.6%
Cash & Equivalents	$99.9M-12.2%	$133.7M-39.0%	$97.5M-54.6%	$98.8M-29.1%	$113.8M+7.8%	$219.4M+24.2%	$215.0M+115.4%	$139.5M-34.0%
Short-Term Investments	$0	$0	$0	$0	$0	$0	$0	$0
Long-Term Investments	$0	$0	$0	$0	$0	$0	$0	$0
Goodwill	$151.5M0.0%	$151.5M-1.5%	$151.5M+60.0%	$151.5M+60.0%	$151.5M+60.0%	$153.8M+62.4%	$94.7M0.0%	$94.7M0.0%
Total Liabilities	$6.2B-0.7%	$6.3B-1.2%	$6.3B+19.0%	$6.3B+20.9%	$6.3B+20.2%	$6.3B+19.5%	$5.3B+1.0%	$5.2B-1.9%
Total Equity	$725.9M+11.3%	$710.0M+10.9%	$696.6M+31.1%	$676.4M+27.7%	$652.1M+28.3%	$640.1M+27.6%	$531.2M+7.3%	$529.9M+14.4%
Retained Earnings	$575.8M+11.7%	$559.9M+10.1%	$545.1M+7.0%	$529.7M+5.7%	$515.7M+4.4%	$508.7M+4.2%	$509.5M+5.9%	$500.9M+4.7%

Not reported in any period shown, so not listed: Current Assets, Inventory, Accounts Receivable, Current Liabilities, Non-Current Liabilities, Long-Term Debt.

CAC Cash Flow Statement

CAC quarterly cash flow statement

Metric	TTM	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K	FY1210-K	FY1110-K
Operating Cash Flow	$108.0M	$63.9M+4.9%	$60.9M-9.7%	$67.5M-35.8%	$105.2M-26.3%	$142.7M+682.9%	$18.2M-44.5%	$32.9M-48.9%	$64.3M+10.3%	$58.3M+1.6%	$57.4M+260.7%	$15.9M-46.7%	$29.9M+0.5%	$29.7M-29.8%	$42.3M+26.6%	$33.4M
Depreciation & Amortization	N/A	$5.2M+57.3%	$3.3M-1.8%	$3.4M-3.4%	$3.5M-5.9%	$3.7M-3.1%	$3.8M-1.6%	$3.9M+3.3%	$3.8M+0.1%	$3.8M-15.0%	$4.4M+22.5%	$3.6M+18.5%	$3.1M+1.6%	$3.0M+20.2%	$2.5M+8.7%	$2.3M
Stock-Based Compensation	N/A	$3.4M+17.8%	$2.9M+3.9%	$2.8M+9.4%	$2.6M+7.2%	$2.4M+33.4%	$1.8M-5.3%	$1.9M+11.7%	$1.7M+14.9%	$1.5M-26.4%	$2.0M+138.9%	$836K+39.6%	$599K+0.5%	$596K+10.8%	$538K-47.5%	$1.0M
Capital Expenditures	$5.5M	$5.7M+2.4%	$5.6M+112.7%	$2.6M+20.1%	$2.2M+17.9%	$1.9M-36.7%	$2.9M-31.4%	$4.3M-15.0%	$5.0M+76.5%	$2.8M+70.2%	$1.7M-47.6%	$3.2M+142.3%	$1.3M-11.7%	$1.5M-56.2%	$3.4M+124.5%	$1.5M
Free Cash Flow	$102.5M	$58.2M+5.1%	$55.4M-14.7%	$64.9M-37.0%	$103.0M-26.9%	$140.9M+820.4%	$15.3M-46.5%	$28.6M-51.8%	$59.3M+6.9%	$55.5M-0.5%	$55.7M+338.0%	$12.7M-55.4%	$28.6M+1.2%	$28.2M-27.4%	$38.9M+22.0%	$31.9M
Investing Cash Flow	-$38.5M	-$56.4M-286.0%	$30.3M+531.5%	-$7.0M+98.6%	-$487.7M+24.9%	-$649.1M-120.4%	-$294.5M-427.4%	-$55.8M+79.8%	-$276.8M-30.5%	-$212.1M-26.3%	-$168.0M-206.8%	-$54.7M+67.9%	-$170.5M-2.2%	-$166.9M-619.4%	$32.1M+117.1%	$14.8M
Financing Cash Flow	-$83.4M	-$125.0M-622.9%	$23.9M+166.2%	-$36.1M-115.2%	$237.3M-59.2%	$581.2M+67.8%	$346.4M+996.0%	$31.6M-82.1%	$176.5M+4.4%	$169.1M+42.4%	$118.8M+106.5%	$57.5M-61.7%	$150.1M+15.2%	$130.2M+334.7%	-$55.5M-39.1%	-$39.9M
Dividends Paid	$28.5M	$28.5M+15.9%	$24.6M+0.1%	$24.5M+4.4%	$23.5M+11.5%	$21.1M+6.2%	$19.8M+6.8%	$18.6M+8.2%	$17.2M+19.9%	$14.3M+15.6%	$12.4M+26.7%	$9.8M+21.0%	$8.1M-0.4%	$8.1M+5.9%	$7.7M-33.5%	$11.5M
Share Buybacks	$4.0M	$0-100.0%	$1.6M-19.6%	$2.0M-80.5%	$10.2M+1.5%	$10.1M+4.1%	$9.7M-53.4%	$20.8M+76918.5%	$27K	$0	$0	$0-100.0%	$7.5M+203.9%	$2.5M+17.3%	$2.1M+439.1%	$389K

Metric	Q2'2610-Q	Q1'2610-Q	Q4'2510-Q	Q3'2510-Q	Q2'2510-Q	Q1'2510-Q	Q4'2410-K	Q3'2410-Q
Operating Cash Flow	$31.2M+416.5%	$20.0M+1834.8%	$20.8M-52.0%	$36.1M+348.9%	$6.0M-58.4%	$1.0M-94.2%	$43.2M+482.3%	-$14.5M-130.8%
Stock-Based Compensation	$1.3M	$730K-11.7%	N/A	N/A	N/A	$827K+5.8%	N/A	N/A
Capital Expenditures	$1.3M-15.9%	$1.8M+0.9%	$1.8M-12.8%	$689K-59.7%	$1.5M+15.4%	$1.8M+223.1%	$2.0M+127.8%	$1.7M+145.8%
Free Cash Flow	$29.9M+557.8%	$18.2M+2607.6%	$19.0M-53.9%	$35.4M+318.4%	$4.5M-65.6%	-$727K-104.2%	$41.2M+437.6%	-$16.2M-134.9%
Investing Cash Flow	-$19.6M+63.3%	$46.2M-25.5%	$16.8M+573.8%	-$82.0M-375.2%	-$53.2M-699.9%	$62.0M+1395.3%	-$3.6M+87.6%	$29.8M-57.2%
Financing Cash Flow	-$45.4M+22.2%	-$29.9M+48.9%	-$38.9M-208.7%	$30.9M+65.7%	-$58.4M+38.2%	-$58.5M-191.6%	$35.8M+149.9%	$18.7M+4084.1%
Dividends Paid	$7.1M+0.2%	$7.1M+0.5%	$7.1M+16.1%	$7.1M+16.2%	$7.1M+15.9%	$7.1M+15.6%	$6.1M+0.2%	$6.1M+0.1%
Share Buybacks	$2.5M	$1.5M	$0-100.0%	$0	$0	$0	-$37K	$0

Not reported in any period shown, so not listed: Depreciation & Amortization.

CAC Financial Ratios

Margins and returns are percentages; the remaining ratios are unitless multiples. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.

CAC quarterly financial ratios

Metric	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K	FY1210-K	FY1110-K
Net Margin	25.5%-4.5pp	29.9%+3.4pp	26.6%-6.0pp	32.6%-4.3pp	36.9%+5.0pp	31.9%-1.9pp	33.7%+0.2pp	33.5%+15.0pp	18.5%-7.7pp	26.2%+7.9pp	18.4%-6.0pp	24.4%+2.4pp	22.1%-2.1pp	24.1%-2.5pp	26.6%
Return on Equity	9.3%-0.6pp	10.0%+1.2pp	8.8%-4.9pp	13.6%+0.9pp	12.8%+1.5pp	11.2%-0.8pp	12.1%-0.1pp	12.2%+5.1pp	7.1%-3.2pp	10.2%+4.5pp	5.8%-4.3pp	10.0%+0.2pp	9.9%-0.2pp	10.0%-1.9pp	12.0%
Return on Assets	0.9%0.0pp	0.9%+0.2pp	0.8%-0.3pp	1.1%-0.2pp	1.3%0.0pp	1.2%-0.1pp	1.3%+0.1pp	1.2%+0.5pp	0.7%-0.3pp	1.0%+0.5pp	0.6%-0.3pp	0.9%0.0pp	0.9%0.0pp	0.9%-0.2pp	1.1%
Debt-to-Equity	9.01-0.9x	9.93-0.6x	10.54-1.0x	11.57+2.4x	9.16+9.1x	0.050.0x	0.020.0x	0.030.0x	0.030.0x	0.03-0.1x	0.100.0x	0.130.0x	0.13-0.2x	0.290.0x	0.33
Asset Turnover	0.040.0x	0.030.0x	0.030.0x	0.030.0x	0.030.0x	0.040.0x	0.040.0x	0.040.0x	0.040.0x	0.040.0x	0.030.0x	0.040.0x	0.040.0x	0.040.0x	0.04
FCF Margin	22.8%-8.5pp	31.3%-8.4pp	39.7%-14.9pp	54.7%-20.6pp	75.3%+67.1pp	8.2%-8.7pp	16.9%-20.6pp	37.4%+1.4pp	36.1%-0.5pp	36.5%+25.3pp	11.2%-17.2pp	28.4%+1.0pp	27.4%-12.7pp	40.1%+7.6pp	32.5%

Metric	Q2'2610-Q	Q1'2610-Q	Q4'2510-Q	Q3'2510-Q	Q2'2510-Q	Q1'2510-Q	Q4'2410-K	Q3'2410-Q
Net Margin	34.2%+11.5pp	34.0%+21.8pp	33.1%+2.3pp	32.4%+3.3pp	22.6%-5.4pp	12.2%-19.7pp	30.8%+8.9pp	29.1%+3.1pp
Return on Equity	3.2%+1.0pp	3.1%+1.9pp	3.2%+0.5pp	3.1%+0.7pp	2.2%-0.2pp	1.1%-1.5pp	2.8%+1.0pp	2.5%+0.4pp
Return on Assets	0.3%+0.1pp	0.3%+0.2pp	0.3%+0.1pp	0.3%+0.1pp	0.2%0.0pp	0.1%-0.1pp	0.3%+0.1pp	0.2%+0.1pp
Debt-to-Equity	8.58-1.0x	8.80-1.1x	9.01-0.9x	9.32-0.5x	9.61-0.7x	9.88-0.7x	9.93-0.6x	9.84-1.6x
Asset Turnover	0.010.0x	0.010.0x	0.010.0x	0.010.0x	0.010.0x	0.010.0x	0.010.0x	0.010.0x
FCF Margin	44.4%+37.1pp	28.3%+29.5pp	27.9%-58.6pp	54.1%+90.2pp	7.3%-23.5pp	-1.2%-42.6pp	86.5%+118.0pp	-36.0%

Not reported in any period shown, so not listed: Gross Margin, Operating Margin, Current Ratio.

Similar Companies

Newest fiscal year on record for each company. The health score is the peer-relative Financial Health Score for that year; a dash means no score is published for it.

Company	Fiscal year	Revenue	Net income	Net margin	Market cap	Health score
Camden National Corporation CAC	FY2025	$255.8M	$65.2M	25.5%	$979.0M	48/100
Great Southern Bancorp Inc GSBC	FY2025	$229.3M	$71.0M	30.9%	$870.9M	66/100
First Financial Corporation THFF	FY2025	$261.8M	$79.2M	30.3%	$925.2M	51/100
Independent Bank Corp. IBCP	FY2025	$225.7M	$68.5M	30.4%	$824.7M	48/100
South Plains Financial, Inc. SPFI	FY2025	$211.9M	$58.5M	27.6%	$841.0M	48/100
NB Bancorp, Inc. NBBK	FY2025	$213.7M	$50.3M	23.5%	$1.0B	55/100

Where Camden National Corporation Ranks

Frequently Asked Questions

What is Camden National Corporation's annual revenue?

Camden National Corporation (CAC) reported $255.8M in total revenue for fiscal year 2025. This represents a 44.5% 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 National Corporation's revenue growing?

Camden National Corporation (CAC) revenue grew by 44.5% year-over-year, from $177.0M to $255.8M in fiscal year 2025.

Is Camden National Corporation profitable?

Yes, Camden National Corporation (CAC) reported a net income of $65.2M in fiscal year 2025, with a net profit margin of 25.5%.

What is Camden National Corporation's net profit margin?

Camden National Corporation (CAC) had a net profit margin of 25.5% in fiscal year 2025, representing the share of revenue converted into profit after all expenses.

Does Camden National Corporation pay dividends?

Yes, Camden National Corporation (CAC) paid $1.68 per share in dividends during fiscal year 2025.

What is Camden National Corporation's return on equity (ROE)?

Camden National Corporation (CAC) has a return on equity of 9.3% for fiscal year 2025, measuring how efficiently the company generates profit from shareholder equity.

What is Camden National Corporation's free cash flow?

Camden National Corporation (CAC) generated $58.2M in free cash flow during fiscal year 2025. This represents a 5.1% 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 National Corporation's operating cash flow?

Camden National Corporation (CAC) generated $63.9M in operating cash flow during fiscal year 2025, representing cash generated from core business activities.

What are Camden National Corporation's total assets?

Camden National Corporation (CAC) had $7.0B in total assets as of fiscal year 2025, including both current and long-term assets.

What are Camden National Corporation's capital expenditures?

Camden National Corporation (CAC) invested $5.7M in capital expenditures during fiscal year 2025, funding long-term assets and infrastructure.

How many shares does Camden National Corporation have outstanding?

Camden National Corporation (CAC) had 17M shares outstanding as of fiscal year 2025.

What is Camden National Corporation's debt-to-equity ratio?

Camden National Corporation (CAC) had a debt-to-equity ratio of 9.01 as of fiscal year 2025, measuring the company's financial leverage by comparing total debt to shareholder equity.

What is Camden National Corporation's return on assets (ROA)?

Camden National Corporation (CAC) had a return on assets of 0.9% for fiscal year 2025, measuring how efficiently the company uses its assets to generate profit.

What is Camden National Corporation's P/E ratio?

Camden National Corporation (CAC) trades at 11.0x earnings, its market capitalization divided by net income of $88.7M net income, trailing 12 months to June 30, 2026. The market capitalization is $979.0M as of Sep 12, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.

What is Camden National Corporation's price-to-sales ratio?

Camden National Corporation (CAC) trades at 3.7x sales, its market capitalization divided by revenue of $265.2M revenue, trailing 12 months to June 30, 2026. The market capitalization is $979.0M as of Sep 12, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.

What is Camden National Corporation's Piotroski F-Score?

Camden National Corporation (CAC) has a Piotroski F-Score of 4 out of 6 computable signals; 3 of the nine could not be computed from available data, so the full-scale strength rating is not shown. 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 to 9 indicate strong and improving fundamentals. Learn more in our complete guide to financial health indicators.

Are Camden National Corporation's earnings high quality?

Camden National Corporation (CAC) has an earnings quality ratio of 0.98x, considered mixed 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 National Corporation?

Camden National Corporation (CAC) scores 48 out of 100 on our Financial Health Score, indicating moderate standing within its banks peer group. The score is a 0-100 composite of six dimensions (Earnings, Growth, Capital, Efficiency, Credit Quality, Stability), each ranked as a percentile relative to companies in the same scoring family (banks against banks, REITs against REITs, and so on) rather than across all industries. It rates the quality of the business, not whether the stock is fairly priced, and is not financial advice. Learn more in our complete guide to financial health indicators.