📊 CAC Key Takeaways
Is Camden National Corp. (CAC) a Good Investment?
Camden National Corp demonstrates strong profitability metrics with 156.1% net margin and solid free cash flow generation of $58.2M, but is severely hampered by a dramatic 87% YoY revenue decline that raises fundamental questions about business sustainability. The unusually high operating margin (188.4%) and near-zero interest coverage ratio (0.9x) suggest potential data quality issues or significant one-time items that obscure true operational performance.
Camden National shows stable bottom-line profitability, positive free cash flow, and a conservative balance sheet with no long-term debt, which supports overall financial resilience. However, the reported 87.0% revenue decline, sub-1x interest coverage, and unusual margin structure suggest either material earnings mix distortion or pressure in core banking profitability, limiting conviction. The fundamentals support a cautious stance until revenue quality and earnings sustainability become clearer.
Why Buy Camden National Corp. Stock? CAC Key Strengths
- Strong free cash flow generation ($58.2M) with 139.4% FCF margin demonstrates cash conversion capability
- Solid equity position with $696.6M stockholders equity and zero long-term debt providing financial flexibility
- Positive net income of $65.2M with EPS growth of 6.1% YoY despite revenue collapse
- Net income remained solid at $65.16M with diluted EPS up 6.1% year over year
- Balance sheet leverage appears conservative with no long-term debt and positive equity of $696.56M
- Operating cash flow and free cash flow were positive, indicating good internal capital generation
CAC Stock Risks: Camden National Corp. Investment Risks
- Catastrophic 87% YoY revenue decline indicating severe business deterioration or potential accounting anomalies
- Critically low interest coverage ratio of 0.9x suggests inability to service debt obligations from operating earnings
- Abnormally high profit margins (188.4% operating, 156.1% net) inconsistent with banking industry norms, indicating potential data integrity issues or extraordinary items masking operational health
- Minimal ROA of 0.9% on $7.0B asset base suggests poor asset utilization efficiency
- Revenue fell 87.0% year over year, raising concern about core earnings momentum or reporting distortion
- Interest coverage of 0.9x signals weak buffer relative to interest obligations
- Reported operating and net margins above 100% indicate unusual income composition, making profitability quality harder to assess
Key Metrics to Watch
- Reconciliation of revenue decline - verify if driven by divestitures, accounting changes, or actual business loss
- Interest coverage ratio improvement and operating income sustainability absent one-time items
- Net interest margin and loan portfolio composition trends
- Asset quality metrics and loan loss provisions relative to portfolio growth
- Net interest income and total revenue trend
- Credit quality metrics including nonperforming loans and charge-offs
Camden National Corp. (CAC) Financial Metrics & Key Ratios
💡 AI Analyst Insight
The 139.4% free cash flow margin provides substantial flexibility for dividends, buybacks, and strategic investments. The current ratio below 1.0x warrants monitoring of short-term liquidity.
CAC Profit Margin, ROE & Profitability Analysis
CAC vs Finance Sector: How Camden National Corp. Compares
How Camden National Corp. compares to Finance sector averages
Sector benchmarks are approximate industry averages. Actual sector performance may vary.
Is Camden National Corp. Stock Overvalued? CAC Valuation Analysis 2026
Based on fundamental analysis, Camden National Corp. appears fundamentally strong relative to the Finance sector in 2026.
Note: This is a fundamental analysis based on SEC filings. For P/E ratio, price targets, and market-based valuation, consult financial data providers. This is not investment advice.
Camden National Corp. Balance Sheet: CAC Debt, Cash & Liquidity
CAC Revenue & Earnings Growth: 5-Year Financial Trend
5-Year Trend Summary: Camden National Corp.'s revenue has grown significantly by 31% over the 5-year period, indicating strong business expansion. The most recent EPS of $2.97 reflects profitable operations.
CAC Revenue Growth, EPS Growth & YoY Performance
CAC Quarterly Earnings & Performance
| Quarter | Revenue | Net Income | EPS |
|---|---|---|---|
| Q3 2025 | $9.1M | $13.1M | $0.90 |
| Q2 2025 | $8.9M | $12.0M | $0.81 |
| Q1 2025 | $8.3M | $7.3M | $0.43 |
| Q3 2024 | $8.5M | $9.8M | $0.67 |
| Q2 2024 | $8.4M | $12.0M | $0.81 |
| Q1 2024 | $7.8M | $12.7M | $0.87 |
| Q3 2023 | $8.2M | $9.8M | $0.67 |
| Q2 2023 | $8.4M | $12.4M | $0.85 |
Data sourced from SEC EDGAR 10-Q quarterly filings. Figures may represent quarterly or cumulative values.
Camden National Corp. Dividends, Buybacks & Capital Allocation
CAC SEC Filings: Latest 10-K & 10-Q Analysis
Access official SEC EDGAR filings for Camden National Corp. (CIK: 0000750686)
📋 Recent SEC Filings
❓ Frequently Asked Questions about CAC
What is the AI rating for CAC?
Camden National Corp. (CAC) has a Combined AI Rating of HOLD from Claude (HOLD) and ChatGPT (HOLD) with 58% combined confidence, based on fundamental analysis of SEC EDGAR filings.
What are CAC's key strengths?
Claude: Strong free cash flow generation ($58.2M) with 139.4% FCF margin demonstrates cash conversion capability. Solid equity position with $696.6M stockholders equity and zero long-term debt providing financial flexibility. ChatGPT: Net income remained solid at $65.16M with diluted EPS up 6.1% year over year. Balance sheet leverage appears conservative with no long-term debt and positive equity of $696.56M.
What are the risks of investing in CAC?
Claude: Catastrophic 87% YoY revenue decline indicating severe business deterioration or potential accounting anomalies. Critically low interest coverage ratio of 0.9x suggests inability to service debt obligations from operating earnings. ChatGPT: Revenue fell 87.0% year over year, raising concern about core earnings momentum or reporting distortion. Interest coverage of 0.9x signals weak buffer relative to interest obligations.
What is CAC's revenue and growth?
Camden National Corp. reported revenue of $41.7M.
Does CAC pay dividends?
Camden National Corp. pays dividends, with $28.5M distributed to shareholders in the trailing twelve months.
Where can I find CAC SEC filings?
Official SEC filings for Camden National Corp. (CIK: 0000750686) including 10-K, 10-Q, and 8-K reports are available on SEC EDGAR.
What is CAC's EPS?
Camden National Corp. has a diluted EPS of $3.84.
How is the AI analysis conducted?
Two independent AI systems — Claude (Anthropic) and ChatGPT (OpenAI) — analyze SEC EDGAR filings including 10-K annual reports and 10-Q quarterly reports. Each AI evaluates financial health, profitability ratios, balance sheet strength, and growth metrics. The combined rating reflects both perspectives for balanced insights.
Is CAC a good stock to buy right now?
Based on our AI fundamental analysis in April 2026, Camden National Corp. has a HOLD rating with 58% confidence. Review the strengths and risks sections above before making a decision. This is not investment advice.
Is CAC stock overvalued or undervalued?
Valuation metrics for CAC: ROE of 9.4% (sector avg: 12%), net margin of 156.1% (sector avg: 25%). Compare these metrics with sector averages to assess valuation.
Should I buy CAC stock in 2026?
Our dual AI analysis gives Camden National Corp. a combined HOLD rating for 2026. Revenue is data pending, with profitability above sector average. Always conduct your own research.
What is CAC's free cash flow?
Camden National Corp.'s operating cash flow is $63.9M, with capital expenditures of $5.7M. FCF margin is 139.4%.
How does CAC compare to other Finance stocks?
Vs Finance sector averages: Net margin 156.1% (avg: 25%), ROE 9.4% (avg: 12%), current ratio N/A (avg: 1.2).