📊 CAC Key Takeaways
Is Camden National Corp. (CAC) a Good Investment?
Camden National Corp exhibits severe operational deterioration with an 87% revenue collapse year-over-year, while returns on capital remain dangerously weak (ROE 3.1%, ROA 0.3%). Most critically, interest coverage of 0.3x indicates the bank cannot adequately service debt obligations, representing a material solvency risk despite positive net income and zero long-term debt.
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.
Camden National Corp. Key Strengths (CAC)
- Zero long-term debt provides balance sheet flexibility
- Positive operating and net cash flows ($20.0M and $18.2M respectively)
- Adequate liquidity position with $133.7M cash on $7.0B asset base
- 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
- Interest coverage ratio of 0.3x signals inability to cover debt service obligations; indicates acute financial distress
- Unexplained 87% YoY revenue decline suggests operational crisis, potential customer loss, or adverse business event
- Severely depressed returns on equity (3.1%) and assets (0.3%) well below banking industry standards, indicating capital inefficiency
- 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
- Interest coverage ratio trend - critical recovery requirement
- Revenue stabilization and reversal of YoY decline
- Return on equity progression toward acceptable bank benchmarks (10%+)
- 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 187.4% 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. has mixed fundamental signals 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 |
|---|---|---|---|
| Q1 2026 | $9.5M | $7.3M | $0.43 |
| 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 |
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
| Date | Form | Document | Action |
|---|---|---|---|
| Jun 3, 2026 | 4 | xslF345X06/wk-form4_1780518731.xml | View → |
| Jun 3, 2026 | 4 | xslF345X06/wk-form4_1780518723.xml | View → |
| Jun 3, 2026 | 4 | xslF345X06/wk-form4_1780518714.xml | View → |
| Jun 3, 2026 | 4 | xslF345X06/wk-form4_1780518709.xml | View → |
| Jun 3, 2026 | 4 | xslF345X06/wk-form4_1780518701.xml | View → |
❓ Frequently Asked Questions about CAC
What is the AI rating for CAC?
Camden National Corp. (CAC) has a Combined AI Grade of C from Claude (C) and ChatGPT (B) with 72% combined confidence, based on fundamental analysis of SEC EDGAR filings.
What are CAC's key strengths?
Claude: Zero long-term debt provides balance sheet flexibility. Positive operating and net cash flows ($20.0M and $18.2M respectively). 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: Interest coverage ratio of 0.3x signals inability to cover debt service obligations; indicates acute financial distress. Unexplained 87% YoY revenue decline suggests operational crisis, potential customer loss, or adverse business event. 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 $9.7M.
Does CAC pay dividends?
Camden National Corp. pays dividends, with $7.1M 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 $1.29.
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 grade reflects both perspectives for balanced insights.
What is CAC's fundamental grade?
Based on our AI fundamental analysis in June 2026, Camden National Corp. has a C grade with 72% confidence. Review the strengths and risks sections above for full context. This is not investment advice.
Is CAC stock overvalued or undervalued?
Valuation metrics for CAC: ROE of 3.1% (sector avg: 12%), net margin of 224.9% (sector avg: 25%). Compare these metrics with sector averages to assess valuation.
What is CAC's AI grade for 2026?
Our dual AI analysis gives Camden National Corp. a combined C grade 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 $20.0M, with capital expenditures of $1.8M. FCF margin is 187.4%.
How does CAC compare to other Finance stocks?
Vs Finance sector averages: Net margin 224.9% (avg: 25%), ROE 3.1% (avg: 12%), current ratio N/A (avg: 1.2).