Stocks · Financial Services · Banks - Regional
Camden National Corp. CAC
$57.19 +1.36% Close, Oct 2, 2026 · NASDAQ · Market cap $967.4M
Strong growthStrong trend
Next earnings report: Oct 27, 2026
Scroll or pinch to zoom, drag to move. Daily prices adjusted for splits. Markers: E = earnings (green beat, red miss), S = split, D = dividend.
Three things to know
- Diluted EPS over the last four quarters was $5.22, up 65.2% year over year.
- Operating margin widened to 25.6% from 17.8% a year earlier.
- Net debt is 4.8× EBITDA, a high level of leverage.
PromtFinance scores
Each score is a percentile within the Financial Services sector (0–100). Under each score: how the stock ranks in its sector on every component. As of Oct 5, 2026.
How fast revenue, earnings and cash flow are growing.
- Revenue growth (TTM, YoY)Bottom 48%
- EPS growth (TTM, YoY)Top 17%
- FCF growth (TTM, YoY)Top 6%
- Revenue growth, 3-year CAGRTop 30%
- Revenue growth accelerationBottom 16%
Returns on capital, margins, earnings quality and balance-sheet strength.
- Return on invested capitalBottom 44%
- Gross marginTop 45%
- Operating marginTop 39%
- Cash conversion (OCF / net income)Top 46%
- Accruals (lower is better)Bottom 49%
- Net debt / EBITDA (lower is better)Bottom 26%
- Interest coverBottom 44%
How cheap the shares are relative to earnings, cash flow and their own history.
- Earnings yieldTop 23%
- Free-cash-flow yieldTop 32%
- EBITDA / enterprise valueTop 48%
- Sales / enterprise valueBottom 33%
- P/E vs own 5-year history (lower is better)Top 48%
Strength and persistence of the price trend, including versus the S&P 500.
- 12-month return excluding last monthTop 7%
- 6-month returnTop 22%
- 1-year return vs S&P 500Top 7%
- Distance from 52-week highTop 28%
- Trend checklist (0–4)Top 48%
Earnings surprises and analyst sentiment (estimate-revision history is being collected).
- Average EPS surprise, last 4 quartersBottom 36%
- Consecutive EPS beatsTop 29%
- Share of analysts rating BuyTop 24%
- Upside to consensus price targetBottom 16%
Low volatility, shallow drawdowns, low market sensitivity and modest leverage.
- Volatility, 60 days (lower is better)Bottom 47%
- Maximum drawdown, 3 yearsTop 49%
- Beta vs S&P 500 (lower is better)Bottom 37%
- Net debt / EBITDA (lower is better)Bottom 26%
What changed
Latest four quarters versus the same period a year earlier (growth: versus one quarter earlier).
| Measure | Before | Now | |
|---|---|---|---|
| Revenue growth (YoY) | 16.4% | 6.0% | ↓ |
| EPS growth (YoY) | 49.7% | 65.2% | ↑ |
| Gross margin | 58.6% | 67.4% | ↑ |
| Operating margin | 17.8% | 25.6% | ↑ |
| FCF margin | 8.8% | 29.6% | ↑ |
Fundamental momentum
| Measure | Now (TTM) | Year / quarter before | Sector rank | |
|---|---|---|---|---|
| Revenue growth (TTM, YoY) | 6.0% | 16.4% | ↓ | Bottom 48% |
| EPS growth (TTM, YoY) | 65.2% | 49.7% | ↑ | Top 17% |
| Gross margin | 67.4% | 58.6% | ↑ | Top 45% |
| Operating margin | 25.6% | 17.8% | ↑ | Top 39% |
| Net margin | 25.6% | 15.0% | ↑ | — |
| Free-cash-flow margin | 29.6% | 8.8% | ↑ | — |
| Return on invested capital | 1.0% | — | Bottom 44% | |
| Revenue growth, 3-year CAGR | 20.7% | — | Top 30% |
Quality of earnings and balance sheet
- Cash conversion (OCF / net income)Above 1× means profits are backed by cash.
- 1.22×
- Accruals (net income − OCF) / assetsLower is better; high accruals can signal weaker earnings quality.
- -0.3%
- Stock-based compensation / revenueA cost to shareholders through dilution.
- 1.0%
- Net debt / EBITDABelow 1× is conservative; above 3× is high leverage.
- 4.81×
- Interest cover (operating income / interest)How many times operating profit covers interest.
- 0.8×
Shareholder returns
- Dividend yield (dividends paid, TTM)
- 2.95%
- Net buyback yield (TTM)
- 0.41%
- Shareholder yield
- 3.36%
- Share count change, 1 year
- -0.4%
- Share count change, 3-year CAGR
- +5.1%
Shareholder yield = dividends + net buybacks over the last four quarters, divided by market cap.
Based on the four quarters through Jun 30, 2026 (filed Aug 6, 2026).
Earnings and expectations
Earnings momentum
- Consecutive EPS beats
- 4
- Beats in the last 8 reports
- 6 of 8
- Average EPS surprise, last 4
- +2.2%
- Average 2-day reaction, last 8
- +0.2%
- Positive 20 days after report
- 3 of 8
Analysts
- Consensus price target
- $59.00
- Target vs current price
- +3.2%
- Analysts with a rating
- 6
- Share rating Buy or Strong Buy
- 67%
- Consensus rating
- Buy
How the stock reacted to recent reports
| Report date | EPS surprise | 2 days | 5 days | 20 days | 60 days |
|---|---|---|---|---|---|
| Jul 28, 2026 | +4.7% | +5.5% | +8.2% | +3.8% | — |
| Apr 28, 2026 | +2.4% | +0.5% | -4.6% | -0.3% | +6.3% |
| Jan 27, 2026 | +0.8% | +0.4% | +4.2% | -0.7% | +4.6% |
| Oct 28, 2025 | +0.8% | +1.6% | +3.7% | +7.8% | +22.7% |
| Jul 29, 2025 | -20.5% | -10.2% | -10.6% | -2.4% | -10.8% |
| May 6, 2025 | -4.0% | -0.6% | +3.5% | -0.3% | -4.8% |
| Jan 28, 2025 | +15.7% | +2.2% | -0.1% | -2.1% | -12.2% |
| Oct 29, 2024 | +13.3% | +1.8% | +1.2% | +16.6% | +7.2% |
Returns from the close before each report. Past reactions do not determine future ones.
Earnings history
| Report date | EPS | Estimate | Surprise | Revenue |
|---|---|---|---|---|
| Jul 28, 2026 | $1.35 | $1.29 | +4.7% | $66.7M |
| Apr 28, 2026 | $1.29 | $1.26 | +2.4% | $64.3M |
| Jan 27, 2026 | $1.33 | $1.32 | +0.8% | $68.1M |
| Oct 28, 2025 | $1.24 | $1.23 | +0.8% | $63.0M |
| Jul 29, 2025 | $0.89 | $1.12 | -20.5% | $55.4M |
| May 6, 2025 | $0.95 | $0.99 | -4.0% | $58.4M |
| Jan 28, 2025 | $1.03 | $0.89 | +15.7% | $46.2M |
| Oct 29, 2024 | $0.94 | $0.83 | +13.3% | $43.6M |
Valuation in context
| Multiple | Now | 5-year median | 5-year percentile | Sector rank (cheapness) |
|---|---|---|---|---|
| P/E (trailing) | 11.0× | 10.7× | 52th | Top 23% |
| P/E (forward) | 10.6× | — | — | — |
| EV / EBITDA | 14.7× | — | — | Top 48% |
| EV / Sales | 4.16× | — | — | Bottom 33% |
| Free-cash-flow yield | 10.60% | — | — | Top 32% |
| Earnings yield | 9.13% | — | — | Top 23% |
P/E over the past five years
Range 7.6× – 14.7× since Jun 30, 2021. Each point: price on the filing date divided by trailing-twelve-month EPS known then.
What moved the stock over the past year
- Price return, 1 year
- +49.8%
- Earnings per share growth (TTM)
- +65.2%
- Change in P/E multiple
- -3.0%
Most of the move came from earnings growth.
Technical state
Trend checklist
- ✗ Price above 20-day average
- ✗ Price above 50-day average
- ✓ Price above 200-day average
- ✓ 50-day average above 200-day
- ✗ MACD histogram positive
Trend quality
- Days above the 50-day average
- 0
- Days above the 200-day average
- 215
- 50-day average slope (20 days)
- +2.2%
- 200-day average slope (20 days)
- +3.2%
- Distance from 50-day average
- -0.4%
- Distance from 200-day average
- +12.1%
- RSI (14)
- 51.2
- Relative volume
- 0.70×
Risk and drawdowns
- Volatility, 60 days (annualized)
- 21.2%
- Volatility vs own 5-year history
- 8th percentile · Low for this stock
- Beta vs S&P 500 (2 years, weekly)
- 0.81
- Correlation with S&P 500
- 0.47
- Current drawdown from 1-year high
- -4.3%
- Maximum drawdown, 3 years
- -28.5%
Largest declines in the past six years
| From peak | To low | Decline | Length | Recovery |
|---|---|---|---|---|
| Jan 7, 2022 | Oct 13, 2023 | -48.0% | 443 days | 665 days (Jun 10, 2026) |
| Nov 11, 2021 | Dec 17, 2021 | -12.9% | 25 days | 14 days (Jan 7, 2022) |
| Jun 25, 2021 | Aug 4, 2021 | -10.6% | 27 days | 64 days (Nov 3, 2021) |
Declines of 10% or more from a closing high, measured on daily closes.
Financial statements
- Market cap
- $967.4M
- P/E (TTM)
- 11.0
- EPS, diluted (TTM)
- $5.22
- Revenue (TTM)
- $346.1M
- Dividend yield
- 3.67%
- 52-week range
- $35.00 – $60.59
| FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|
| Revenue | $193.9M | $208.9M | $250.3M | $289.7M | $367.3M |
| Gross profit | $186.0M | $179.3M | $156.1M | $172.1M | $230.6M |
| Operating income | $86.6M | $77.0M | $53.8M | $65.5M | $81.6M |
| Net income | $69.0M | $61.4M | $43.4M | $53.0M | $65.2M |
| EPS (diluted) | $4.60 | $4.17 | $2.97 | $3.62 | $3.84 |
| Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | |
|---|---|---|---|---|---|---|---|---|
| Revenue | $73.8M | $74.3M | $87.9M | $90.7M | $92.6M | $96.2M | $78.4M | $79.0M |
| Net income | $13.1M | $14.7M | $7.3M | $14.1M | $21.2M | $22.6M | $21.9M | $23.0M |
| EPS (diluted) | $0.90 | $1.00 | $0.43 | $0.83 | $1.25 | $1.33 | $1.29 | $1.35 |
| FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|
| Operating cash flow | $142.7M | $105.2M | $67.5M | $60.9M | $63.9M |
| Capital expenditure | -$1.9M | -$2.2M | -$2.6M | -$5.6M | -$5.7M |
| Free cash flow | $140.9M | $103.0M | $64.9M | $55.4M | $58.2M |
| Dividends paid | -$21.1M | -$23.5M | -$24.5M | -$24.6M | -$28.5M |
| Net share buybacks | -$10.1M | -$10.2M | -$2.0M | -$1.6M | -$537,000 |
Cash outflows are shown as negative numbers.
- Cash and short-term investments
- $99.9M
- Total assets
- $6.95B
- Total liabilities
- $6.23B
- Total debt
- $571.1M
- Net debt
- $471.2M
- Shareholders’ equity
- $725.9M
As of Jun 30, 2026 (filed Aug 6, 2026).
Dividends
| Ex-date | Amount | Paid |
|---|---|---|
| Oct 15, 2026 | $0.42 | Oct 30, 2026 |
| Jul 15, 2026 | $0.42 | Jul 31, 2026 |
| Apr 15, 2026 | $0.42 | Apr 30, 2026 |
| Jan 15, 2026 | $0.42 | Jan 30, 2026 |
| Oct 15, 2025 | $0.42 | Oct 31, 2025 |
| Jul 15, 2025 | $0.42 | Jul 31, 2025 |
| Apr 15, 2025 | $0.42 | Apr 30, 2025 |
| Jan 15, 2025 | $0.42 | Jan 31, 2025 |
Short interest
- Shares sold short
- 734,115
- Days to cover
- 8.77
- Change vs previous report
- +8.0%
FINRA short interest, settlement date Sep 15, 2026.
Stock splits
- Oct 3, 2016
- 3-for-2
- Dec 7, 1998
- 3-for-1