Camden National stock analysis
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Camden National (CAC) Stock Price & Analysis
CAC Stock Chart & Stats
- Day’s Range
- $57.63 - $58.93
- 52-Week Range
- $37.87 - $61.00
- Previous Close
- $58.02
- Volume
- N/A
- Average Volume (3M)
- 85.17K
- Market Cap
- $993.10M
- Enterprise Value
- $1.27B
- Total Cash (Recent Filing)
- $1.57B
- Total Debt (Recent Filing)
- $374.43M
- Price to Earnings (P/E)
- 11.0
- Beta
- 0.77
- Next Earnings
- Feb 02, 2027 (Est.)
- EPS Estimate
- 1.42
- Last Dividend Ex-Date
- Oct 15, 2026
- Dividend Yield
- 2.86%
Bulls Say, Bears Say
Bulls Say
Deposit Growth And Margin Expansion
Strong deposit growth and a more favorable funding mix are supporting net interest margin expansion. This improves the economics of Camden’s core banking model, strengthens customer relationships, and provides a durable funding base for future lending and investment growth.
Capital And Credit Quality
Sound capital ratios and low non-performing loans give Camden capacity to absorb credit stress while continuing to serve customers. Improving asset quality also reduces the likelihood that elevated provisions will erode earnings or restrict strategic balance-sheet growth.
Regional Franchise And Scalable Infrastructure
A leading community-bank position in its core markets can support relationship-based deposits, recurring customer activity, and cross-selling across banking and wealth services. Automation and digital infrastructure may also improve scalability and operating efficiency as the franchise grows.
Bears Say
Cyclical Earnings And Margin Volatility
Camden’s earnings remain sensitive to interest-rate movements and seasonal balance-sheet changes. A slower or uneven margin expansion path could limit near-term profit growth, make performance less predictable, and reduce the ability to sustain recent operating momentum through the cycle.
Non-Interest Income Weakness
Weakness in non-interest income shows that part of Camden’s revenue base is exposed to market-sensitive businesses. Continued softness in mortgage banking, BOLI, or related activities could offset spread-income gains and make overall revenue diversification less dependable.
Loan Growth And Provision Pressure
Flat loan balances constrain asset-driven revenue growth, while higher provisions indicate greater current credit-cost pressure. If loan expansion remains modest and reserves continue rising, earnings growth could slow even as management pursues new commercial and home-equity opportunities.
Camden National News
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Company Description
Camden National
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 in the United States. The company accepts checking, savings, time, and brokered deposits, as well as deposits with the certificate of deposit account registry system. Its loan products include non-owner-occupied commercial real estate loans; owner-occupied commercial real estate loans; commercial loans; residential real estate loans, including one- to four-family residences; 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 and advisory, financial planning, and trustee services. Camden National Corporation was founded in 1875 and is headquartered in Camden, Maine.
- Sector
- Financial
- Industry
- Banks - Regional
- CEO
- Simon R. Griffiths
- Employees
- 683
- Website
- www.camdennational.bank
- Address
- 2 Elm Street, Camden, ME, 04843, US
Camden National (CAC) Earnings & Revenues
CAC Earnings Call
Earnings Call SentimentPositive
The call was predominantly positive, with year-over-year growth in net income and EPS, record revenue, higher net interest margin, strong deposit and home equity growth, improved credit metrics, disciplined expense management, and solid capital. The main challenges were lower non-interest income, flat overall loan balances with a slight decline in commercial balances, higher provision expense, lower tangible common equity measures due to higher rates, and a potentially slower pace of margin expansion. Management nevertheless expressed confidence in the fourth quarter and in Camden's positioning for 2027.
View all CAC earnings summariesCAC Stock 12 Month Forecast
Average Price Target
Technical Analysis
Overall Consensus
| Indicator | Bullish | Neutral | Bearish |
|---|---|---|---|
| Overall Consensus | 11 | 5 | 6 |
| Technical Analysis | 3 | 5 | 2 |
| Moving Averages | 8 | 0 | 4 |











