📊 CAC Key Takeaways
Investment Thesis
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.
CAC 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
CAC 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
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
CAC Financial Metrics
💡 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 Profitability Ratios
CAC vs Finance Sector
How CAMDEN NATIONAL CORP compares to Finance sector averages
Sector benchmarks are approximate industry averages. Actual sector performance may vary.
CAC Balance Sheet & Liquidity
CAC 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 Growth Metrics (YoY)
CAC Quarterly 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.
CAC Capital Allocation
CAC SEC Filings
Access official SEC EDGAR filings for CAMDEN NATIONAL CORP (CIK: 0000750686)
📋 Recent SEC Filings
| Date | Form | Document | Action |
|---|---|---|---|
| Mar 17, 2026 | 4 | xslF345X05/wk-form4_1773764476.xml | View → |
| Mar 12, 2026 | 4 | xslF345X05/wk-form4_1773348022.xml | View → |
| Mar 12, 2026 | 4 | xslF345X05/wk-form4_1773348011.xml | View → |
| Mar 12, 2026 | 4 | xslF345X05/wk-form4_1773348002.xml | View → |
| Mar 12, 2026 | 4 | xslF345X05/wk-form4_1773347995.xml | View → |
❓ Frequently Asked Questions about CAC
What is the AI rating for CAC?
CAMDEN NATIONAL CORP (CAC) has an AI rating of HOLD with 45% confidence, based on fundamental analysis of SEC EDGAR filings.
What are CAC's 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.
What are the risks of investing in CAC?
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.
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?
Our AI (Claude) analyzes publicly available SEC EDGAR filings including 10-K annual reports and 10-Q quarterly reports to evaluate financial health, profitability ratios, balance sheet strength, and growth metrics.