CACNasdaqNational Commercial BanksFiscal year ends December 31
CAMDEN NATIONAL CORP
Financials through Q2 FY2026, quarter ended Jun 30, 2026Last filing: 10-Q on Aug 6, 2026
$55.81−0.31 (-0.55%)
Close on Oct 19, 2026
- Market cap
- $948.94M
- P/E (TTM)
- 10.7
- Dividend yield
- 3.01%
Margins
Share of revenue, fiscal years 2011 to 2025
Net margin
156.1%−58.4 pts over 5 years
Growth rates
Compound annual growth to fiscal 2025
| Per year | 1 year | 3 years | 5 years | 10 years | Five-year pace |
|---|---|---|---|---|---|
| Revenue | +17.0% | +7.8% | +8.5% | -9.6% | |
| Net income | +22.9% | +2.0% | +1.8% | +12.0% | |
| EPS, diluted | +6.1% | -2.7% | -0.6% | +8.3% | |
| Free cash flow | +5.1% | -17.3% | +30.6% | +16.4% | |
| Dividend per share | 0.0% | +1.2% | +4.9% | +7.7% |
Returns and balance sheet
10 fiscal years. Hover a measure to see how it is calculated.
| Measure | FY2016 | FY2020 | FY2025 | Trend |
|---|---|---|---|---|
| Return on equity | 10.6% | 11.9% | 10.6% | |
| Return on assets | 1.1% | 1.3% | 1.0% | |
| Capex to revenue | 1.1% | 10.5% | 13.7% | |
| Diluted shares | 16M | 15M | 17M |
Where the cash went
Fiscal 2021 to 2025, five years combined
Camden National generated $440.25M from operations and spent $164.04M on capital expenditure, dividends and share buybacks. 11% of that went back into the business.
Generated
$440.25M
Used
$164.04M
Capital expenditure$17.94M11%Dividends$122.16M74%Share buybacks$23.94M15%
DuPont analysis
Return on equity split into margin, efficiency and leverage
Net margin156.1%
×Asset turnover0.01×
×Equity multiplier10.41×
=Return on equity, FY202510.6%
| Fiscal year | Net margin | Asset turnover | Equity multiplier | Return on equity |
|---|---|---|---|---|
| FY2025 | 156.1% | 0.01× | 10.41× | 10.6% |
| FY2024 | 148.5% | 0.01× | 11.22× | 10.3% |
| FY2023 | 129.2% | 0.01× | 12.03× | 9.2% |
| FY2022 | 184.6% | 0.01× | 11.26× | 12.4% |
| FY2021 | 216.0% | 0.01× | 9.71× | 12.9% |
| FY2020 | 214.5% | 0.01× | 9.30× | 11.9% |
| FY2019 | 201.9% | 0.01× | 9.60× | 12.6% |
| FY2018 | 197.9% | 0.01× | 9.96× | 12.6% |
| FY2017 | 18.5% | 0.04× | 9.97× | 7.2% |
| FY2016 | 26.2% | 0.04× | 10.03× | 10.6% |
Piotroski F-Score
Nine tests of profitability, balance sheet and efficiency, fiscal 2025 against fiscal 2024
4of 6 tests passed in fiscal 2025. Some tests lack the figures they need.
- ProfitableNet income above zero$65.16M
- Cash generatingOperating cash flow above zero$63.91M
- Return on assets improvedROA up on the prior year0.9% → 1.1%
- Earnings backed by cashOperating cash flow above net income$63.91M vs $65.16M
- Less leverageLong-term debt to assets fell– → –
- Better liquidityCurrent ratio rose– → –
- No dilutionShare count did not rise15M → 17M
- Gross margin improvedGross margin up on the prior year– → –
- More efficientAsset turnover rose0.01 → 0.01