Camden National Financials

CAC Stock  USD 41.44  0.38  0.91%   
Camden National is performing exceptionally good at this time. It has a great probability to report excellent financial results in April. At present, Camden National's Cash is projected to increase significantly based on the last few years of reporting. The current year's Common Stock Shares Outstanding is expected to grow to about 14.6 M, whereas Total Assets are forecasted to decline to about 3 B. Key indicators impacting Camden National's financial strength include:
Current ValueLast YearChange From Last Year 10 Year Trend
Net Profit Margin0.370.2124
Way Up
Slightly volatile
Return On Assets0.01270.0091
Significantly Up
Very volatile
Return On Equity0.140.0998
Significantly Up
Pretty Stable
Debt Equity Ratio0.90.9424
Sufficiently Down
Slightly volatile
Operating Income258.3 M246 M
Sufficiently Up
Slightly volatile
Current Ratio1.251.3106
Sufficiently Down
Slightly volatile
Investors should never underestimate Camden National's ability to pay suppliers on time, ensure interest payments are not accumulating, and correctly time where and how to reinvest extra cash. Individual investors need to monitor Camden National's cash flow, debt, and profitability to make informed and accurate decisions about investing in Camden National.

Net Income

31.6 Million

  
Understanding current and past Camden National Financials, including the trends in assets, liabilities, equity and income are directly related to making proper and timely investing decisions. All of Camden National's financial statements are interrelated, with each one affecting the others. For example, an increase in Camden National's assets may result in an increase in income on the income statement.
Please note, the presentation of Camden National's financial position, as portrayed in its financial statements, is often influenced by management's estimates, judgments, and sometimes even manipulations. In the best case, Camden National's management is honest, while the outside auditors are strict and uncompromising. Please utilize our Beneish M Score to check the likelihood of Camden National's management manipulating its earnings.

Camden National Stock Summary

Camden National competes with First United, First Community, Greene County, Community West, and Home Bancorp. 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. Camden National Corporation was founded in 1875 and is headquartered in Camden, Maine. Camden Natl operates under BanksRegional classification in the United States and is traded on NASDAQ Exchange. It employs 620 people.
Specialization
Financial Services, Banks - Regional
InstrumentUSA Stock View All
ExchangeNASDAQ Exchange
ISINUS1330341082
CUSIP133034108
LocationMaine; U.S.A
Business Address2 Elm Street,
SectorBanks
IndustryFinancials
BenchmarkDow Jones Industrial
Websitewww.camdennational.com
Phone207 236 8821
CurrencyUSD - US Dollar

Camden National Key Financial Ratios

Camden National Key Balance Sheet Accounts

202020212022202320242025 (projected)
Total Assets4.9B5.5B5.7B5.7B5.8B3.0B
Net Debt101.0M35.3M37.6M229.5M438.2M338.7M
Retained Earnings377.5M424.4M462.2M481.0M509.5M534.9M
Cash145.8M220.6M75.4M99.8M62.4M62.9M
Other Assets2.4B2.1B3.6B(593.0M)5.0B2.7B
Total Liab4.4B5.0B5.2B5.2B5.3B2.7B
Total Current Assets1.3B1.7B699.3M703.5M656.1M623.3M
Common Stock131.1M123.1M115.1M115.6M116.4M68.6M
Accounts Payable117.4M94.2M84.1M92.1M106.0M100.7M
Short Term Debt162.4M211.6M68.7M285.0M500.6M274.6M
Other Current Assets150.2M233.0M91.4M118.9M107.0M101.6M
Other Liab18.8M23.1M3.2M21.6M24.8M24.5M
Long Term Debt70.6M69.1M84.3M44.3M39.9M37.9M
Intangible Assets2.8M2.2M1.6M971K415K394.3K
Other Current Liab45.0M(94.2M)(229.9M)2.6B2.4B2.5B
Net Tangible Assets375.2M431.7M444.4M355.0M408.3M323.5M
Long Term Debt Total70.6M69.1M59.3M44.3M39.9M37.9M
Short Long Term Debt162.4M211.6M265.2M285.0M325M249.9M

Camden National Key Income Statement Accounts

202020212022202320242025 (projected)
Interest Expense20.9M11.0M25.1M94.0M117.1M123.0M
Total Revenue183.0M182.9M183.8M226.2M249.6M262.0M
Gross Profit183.0M182.9M183.8M226.2M249.6M262.0M
Operating Income74.4M86.6M102.1M53.8M246.0M258.3M
Ebit74.4M86.6M77.0M53.8M61.9M69.7M
Ebitda78.9M91.0M81.2M53.8M61.9M71.8M
Income Before Tax74.4M86.6M77.0M53.8M65.5M43.6M
Net Income59.5M69.0M61.4M43.4M53.0M31.6M
Income Tax Expense14.9M17.6M15.6M10.5M12.5M12.1M
Tax Provision14.9M17.6M15.6M12.6M12.5M12.9M
Net Interest Income135.7M137.0M147.7M136.5M132.5M137.5M
Interest Income156.5M148.1M172.8M215.8M249.6M178.8M

Camden National Key Cash Accounts

202020212022202320242025 (projected)
Change In Cash70.1M74.9M(145.2M)24.4M3.3M3.2M
Free Cash Flow15.3M140.9M103M64.9M27.1M36.0M
Depreciation4.5M4.4M4.1M4.0M3.9M3.7M
Other Non Cash Items(14.6M)47.3M9.3M11.0M(26.3M)(25.0M)
Dividends Paid19.8M21.1M23.5M24.5M24.6M25.8M
Capital Expenditures2.9M1.9M2.2M2.6M5.6M5.9M
Net Income59.5M69.0M61.4M43.4M53.0M31.5M
End Period Cash Flow145.8M220.6M75.4M99.8M38.6M61.9M
Investments(294.5M)(435.5M)137.0M(101.8M)30.3M31.8M
Net Borrowings(2.1M)(91.5M)9.2M53.6M48.2M50.6M
Change To Netincome(2.9M)(11.3M)60.6M41.9M48.2M50.6M

Camden Financial Ratios Relationships

Comparative valuation techniques use various fundamental indicators to help in determining Camden National's current stock value. Our valuation model uses many indicators to compare Camden National value to that of its competitors to determine the firm's financial worth. You can analyze the relationship between different fundamental ratios across Camden National competition to find correlations between indicators driving Camden National's intrinsic value. More Info.
Camden National is rated below average in return on equity category among its peers. It also is rated below average in return on asset category among its peers reporting about  0.09  of Return On Asset per Return On Equity. The ratio of Return On Equity to Return On Asset for Camden National is roughly  11.23 . At present, Camden National's Return On Equity is projected to increase slightly based on the last few years of reporting. The reason why the comparable model can be used in almost all circumstances is due to the vast number of multiples that can be utilized, such as the price-to-earnings (P/E), price-to-book (P/B), price-to-sales (P/S), price-to-cash flow (P/CF), and many others. The P/E ratio is the most commonly used of these ratios because it focuses on the Camden National's earnings, one of the primary drivers of an investment's value.

Camden National Systematic Risk

Camden National's systematic risk plays a vital role in portfolio allocation when considering its stock to be added to a well-diversified portfolio. Camden National volatility which cannot be eliminated through diversification, requires returns over the risk-free rate. Over the long run, a well-diversified portfolio provides returns that match its exposure to systematic risk. In this case, investors face a trade-off between expected returns and systematic risk and, therefore, can only reduce a portfolio's exposure to systematic risk by sacrificing expected returns on the portfolio.
The output start index for this execution was twenty with a total number of output elements of fourty-one. The Beta measures systematic risk based on how returns on Camden National correlated with the market. If Beta is less than 0 Camden National generally moves in the opposite direction as compared to the market. If Camden National Beta is about zero movement of price series is uncorrelated with the movement of the benchmark. if Beta is between zero and one Camden National is generally moves in the same direction as, but less than the movement of the market. For Beta = 1 movement of Camden National is generally in the same direction as the market. If Beta > 1 Camden National moves generally in the same direction as, but more than the movement of the benchmark.
Today, most investors in Camden National Stock are looking for potential investment opportunities by analyzing not only static indicators but also various Camden National's growth ratios. Consistent increases or decreases in fundamental ratios usually indicate a possible pattern that can be successfully translated into profits. However, when comparing two companies, knowing each company's growth growth rates may not be enough to decide which company is a better investment. That's why investors frequently use static breakdown of Camden National growth as a starting point in their analysis.

Price Earnings To Growth Ratio

0.33

At present, Camden National's Price Earnings To Growth Ratio is projected to increase slightly based on the last few years of reporting.

Camden National March 20, 2025 Opportunity Range

Along with financial statement analysis, the daily predictive indicators of Camden National help investors to analyze its daily demand and supply, volume, patterns, and price swings to determine the real value of Camden National. We use our internally-developed statistical techniques to arrive at the intrinsic value of Camden National based on widely used predictive technical indicators. In general, we focus on analyzing Camden Stock price patterns and their correlations with different microeconomic environment and drivers. We also apply predictive analytics to build Camden National's daily price indicators and compare them against related drivers.

Complementary Tools for Camden Stock analysis

When running Camden National's price analysis, check to measure Camden National's market volatility, profitability, liquidity, solvency, efficiency, growth potential, financial leverage, and other vital indicators. We have many different tools that can be utilized to determine how healthy Camden National is operating at the current time. Most of Camden National's value examination focuses on studying past and present price action to predict the probability of Camden National's future price movements. You can analyze the entity against its peers and the financial market as a whole to determine factors that move Camden National's price. Additionally, you may evaluate how the addition of Camden National to your portfolios can decrease your overall portfolio volatility.
Sync Your Broker
Sync your existing holdings, watchlists, positions or portfolios from thousands of online brokerage services, banks, investment account aggregators and robo-advisors.
Insider Screener
Find insiders across different sectors to evaluate their impact on performance
Options Analysis
Analyze and evaluate options and option chains as a potential hedge for your portfolios
Headlines Timeline
Stay connected to all market stories and filter out noise. Drill down to analyze hype elasticity
Risk-Return Analysis
View associations between returns expected from investment and the risk you assume
Equity Valuation
Check real value of public entities based on technical and fundamental data
Content Syndication
Quickly integrate customizable finance content to your own investment portal