Camden National Past Earnings Performance
Past criteria checks 4/6
Camden National's earnings have been declining at an average annual rate of -4.3%, while the Banks industry saw earnings growing at 2.8% annually. Revenues have been growing at an average rate of 2.8% per year. Camden National's return on equity is 11.2%, and it has net margins of 32.3%.
Key information
-4.35%
Earnings growth rate
-6.37%
EPS growth rate
| Banks Industry Growth | 11.18% |
| Revenue growth rate | 2.76% |
| Return on equity | 11.23% |
| Net Margin | 32.32% |
| Last Earnings Update | 31 Mar 2026 |
Recent past performance updates
Recent updates
CAC: Steady Return Assumptions And Minor Model Tweaks Will Shape Outlook
Analysts now hold their price target for Camden National at $51.75, with the unchanged figure reflecting steady assumptions on fair value and profitability, even as they refine inputs such as the discount rate and forward P/E in their models. Valuation Changes Fair Value: Model fair value estimate held steady at $51.75, with no change in the implied target level.CAC: Steady Assumptions And Modest Tweaks Will Support A Balanced Outlook
Analysts have kept their $51.75 price target for Camden National unchanged, reflecting only minor adjustments to assumptions on discount rate, revenue growth, profit margin and future P/E that do not materially alter their view of fair value. Valuation Changes Fair Value: $51.75 remains unchanged, indicating no revision to the headline valuation figure.CAC: Share Repurchases And Steady Assumptions Will Support A Positive Outlook
Analysts have maintained their $51.75 price target on Camden National, citing only marginal adjustments to discount rate, revenue growth, profit margin, and future P/E assumptions as they refine their models without changing the overall valuation view. What's in the News Camden National Corporation announced a share repurchase program, with authorization to buy back up to 850,000 shares, scheduled to terminate on January 5, 2025 (Key Developments).CAC: Share Repurchases And Steady Assumptions Will Support A Positive Outlook
Analysts have maintained their $51.75 price target for Camden National, pointing to largely unchanged assumptions around fair value, growth, margins, and future P/E, while making only minor tweaks to the discount rate and long term valuation inputs. What's in the News Camden National Corporation announced a share repurchase program that allows the company to buy back up to 850,000 shares, with the program set to terminate on January 5, 2025 (Key Developments).CAC: Share Repurchases And Refined Assumptions Will Support A Balanced Outlook
Analysts have adjusted their price target on Camden National to $51.75 from $51.33, reflecting updated views on fair value, discount rate, profit margin, and future P/E assumptions. What's in the News Camden National Corporation announced a share repurchase program covering up to 850,000 shares, with the program scheduled to terminate on January 5, 2025 (Key Developments).CAC: Share Repurchases And Updated Assumptions Will Shape A Steady Outlook
Analysts have raised their price target for Camden National from about $48 to approximately $51, citing updated assumptions regarding fair value, discount rate, revenue growth, profit margin, and future P/E. What's in the News Camden National Corporation announced a share repurchase program that allows the company to buy back up to 850,000 shares, with the program set to terminate on January 5, 2025 (Key Developments).CAC: Share Repurchases And Updated Assumptions Will Support A Balanced Outlook
Analysts have increased their fair value estimate for Camden National from US$45.50 to US$48.00, citing updated assumptions for discount rates, revenue growth, profit margins and future P/E levels. What's in the News Camden National Corporation announced a share repurchase program that allows the company to buy back up to 850,000 shares, with the program set to terminate on January 5, 2025 (Key Developments).Camden National (NASDAQ:CAC) Is Paying Out A Dividend Of $0.42
Jan 03
Camden National (NASDAQ:CAC) Has Announced A Dividend Of $0.42
Dec 20Camden National's (NASDAQ:CAC) Dividend Will Be $0.42
Oct 04Digital Banking And Wealth Management Will Expand Market Presence
With no change in the future P/E (8.04x) or the discount rate (7.56%), Camden National’s valuation outlook remains stable, reflected in the unchanged consensus analyst price target of $45.50. Valuation Changes Summary of Valuation Changes for Camden National The Consensus Analyst Price Target remained effectively unchanged, at $45.50.Camden National (NASDAQ:CAC) Is Paying Out A Dividend Of $0.42
Jun 28Camden National Corporation: Modest, Undervalued, And Ready To Impress
Apr 24Camden National (NASDAQ:CAC) Has Affirmed Its Dividend Of $0.42
Apr 14Camden National: Anticipate Strong Growth For This Regional Bank
Mar 26Camden National (NASDAQ:CAC) Is Paying Out A Dividend Of $0.42
Jan 06Camden National (NASDAQ:CAC) Has Affirmed Its Dividend Of $0.42
Dec 22Camden National Corporation Beat Analyst Estimates: See What The Consensus Is Forecasting For Next Year
Nov 01Camden National (NASDAQ:CAC) Will Pay A Dividend Of $0.42
Sep 30
Innovative Banking Strategies And Digital Transformation Propel Market Leadership And Financial Growth
Implementation of process automation and innovative solutions, along with significant investments in digital banking, will enhance customer service and operational efficiency.Camden National (NASDAQ:CAC) Is Due To Pay A Dividend Of $0.42
Jul 12Camden National's (NASDAQ:CAC) Dividend Will Be $0.42
Apr 03Camden National (NASDAQ:CAC) Is Due To Pay A Dividend Of $0.42
Jan 05Revenue & Expenses Breakdown
How Camden National makes and spends money. Based on latest reported earnings, on an LTM basis.
Earnings and Revenue History
| Date | Revenue | Earnings | G+A Expenses | R&D Expenses |
|---|---|---|---|---|
| 31 Mar 26 | 247 | 80 | 112 | 0 |
| 31 Dec 25 | 233 | 65 | 113 | 0 |
| 30 Sep 25 | 215 | 57 | 107 | 0 |
| 30 Jun 25 | 198 | 49 | 102 | 0 |
| 31 Mar 25 | 184 | 47 | 97 | 0 |
| 31 Dec 24 | 177 | 53 | 90 | 0 |
| 30 Sep 24 | 169 | 47 | 90 | 0 |
| 30 Jun 24 | 162 | 44 | 88 | 0 |
| 31 Mar 24 | 163 | 44 | 87 | 0 |
| 31 Dec 23 | 161 | 43 | 86 | 0 |
| 30 Sep 23 | 169 | 50 | 85 | 0 |
| 30 Jun 23 | 176 | 55 | 86 | 0 |
| 31 Mar 23 | 179 | 57 | 86 | 0 |
| 31 Dec 22 | 184 | 61 | 87 | 0 |
| 30 Sep 22 | 185 | 62 | 87 | 0 |
| 30 Jun 22 | 185 | 63 | 87 | 0 |
| 31 Mar 22 | 188 | 66 | 86 | 0 |
| 31 Dec 21 | 190 | 69 | 84 | 0 |
| 30 Sep 21 | 192 | 71 | 85 | 0 |
| 30 Jun 21 | 194 | 73 | 83 | 0 |
| 31 Mar 21 | 182 | 66 | 82 | 0 |
| 31 Dec 20 | 174 | 59 | 81 | 0 |
| 30 Sep 20 | 169 | 56 | 79 | 0 |
| 30 Jun 20 | 165 | 54 | 78 | 0 |
| 31 Mar 20 | 168 | 56 | 78 | 0 |
| 31 Dec 19 | 167 | 57 | 76 | 0 |
| 30 Sep 19 | 164 | 56 | 74 | 0 |
| 30 Jun 19 | 162 | 55 | 74 | 0 |
| 31 Mar 19 | 160 | 54 | 73 | 0 |
| 31 Dec 18 | 158 | 53 | 73 | 0 |
| 30 Sep 18 | 156 | 36 | 72 | 0 |
| 30 Jun 18 | 154 | 33 | 71 | 0 |
| 31 Mar 18 | 153 | 31 | 70 | 0 |
| 31 Dec 17 | 151 | 28 | 69 | 0 |
| 30 Sep 17 | 149 | 42 | 68 | 0 |
| 30 Jun 17 | 148 | 42 | 68 | 0 |
| 31 Mar 17 | 147 | 41 | 68 | 0 |
| 31 Dec 16 | 146 | 40 | 67 | 0 |
| 30 Sep 16 | 143 | 31 | 68 | 0 |
| 30 Jun 16 | 131 | 26 | 63 | 0 |
| 31 Mar 16 | 122 | 24 | 58 | 0 |
| 31 Dec 15 | 112 | 21 | 54 | 0 |
| 30 Sep 15 | 103 | 25 | 49 | 0 |
| 30 Jun 15 | 102 | 25 | 48 | 0 |
Quality Earnings: CAC has high quality earnings.
Growing Profit Margin: CAC's current net profit margins (32.3%) are higher than last year (25.5%).
Free Cash Flow vs Earnings Analysis
Past Earnings Growth Analysis
Earnings Trend: CAC's earnings have declined by 4.3% per year over the past 5 years.
Accelerating Growth: CAC's earnings growth over the past year (69.4%) exceeds its 5-year average (-4.3% per year).
Earnings vs Industry: CAC earnings growth over the past year (69.4%) exceeded the Banks industry 22.8%.
Return on Equity
High ROE: CAC's Return on Equity (11.2%) is considered low.
Return on Assets
Return on Capital Employed
Discover strong past performing companies
Company Analysis and Financial Data Status
| Data | Last Updated (UTC time) |
|---|---|
| Company Analysis | 2026/04/30 11:12 |
| End of Day Share Price | 2026/04/29 00:00 |
| Earnings | 2026/03/31 |
| Annual Earnings | 2025/12/31 |
Data Sources
The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.
| Package | Data | Timeframe | Example US Source * |
|---|---|---|---|
| Company Financials | 10 years |
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| Analyst Consensus Estimates | +3 years |
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| Market Prices | 30 years |
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| Ownership | 10 years |
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| Management | 10 years |
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| Key Developments | 10 years |
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* Example for US securities, for non-US equivalent regulatory forms and sources are used.
Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more.
Analysis Model and Snowflake
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Industry and Sector Metrics
Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on Github.
Analyst Sources
Camden National Corporation is covered by 6 analysts. 4 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.
| Analyst | Institution |
|---|---|
| Daniel Cardenas | Brean Capital Historical (Janney Montgomery) |
| Damon DelMonte | Keefe, Bruyette, & Woods |
| Matthew Breese | Piper Sandler Companies |