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Financials · CAC

Camden National Corporation (CAC) financials

For the twelve months ended Sep 30, 2026, Camden National Corporation reported $268.46M of revenue and $90.28M of net income.

Revenue, TTM
$268.46M
Revenue growth, YoY
+14.1%
Net income, TTM
$90.28M
Net income growth, YoY
+57.7%
Net margin
33.6%
Free cash flow, TTM
$100.42M
EPS, diluted, TTM
$5.31
EPS growth, YoY
+51.3%
Cash
$248.57M
P/E
10.99
P/S
3.70
Market cap
$992.1M
Annual revenue$255.78M
FY2016FY2025
Annual net income$65.16M
FY2016FY2025
Annual free cash flow$58.20M
FY2016FY2025

CAC revenue and earnings growth

CAC revenueQ3 2026$68.67M

Quarter YoY
+5.0%
QoQ
+1.9%
FY YoY
+44.5%
5Y CAGR
+6.5%
10Y CAGR
+8.4%

CAC revenue was $68.67M in fiscal Q3 2026 (ended Sep 30, 2026), up 5.0% from a year earlier and up 1.9% from the prior quarter. For the full fiscal 2025 it was $255.78M, up 44.5% from fiscal 2024. Compound annual growth was +6.5% over 5 years and +8.4% over 10 years. It rose in 9 of the last 10 fiscal years. Fiscal 2025 is the highest of the 15 fiscal years on file.

CAC net incomeQ3 2026$22.82M

Quarter YoY
+7.7%
QoQ
-0.9%
FY YoY
+22.9%
5Y CAGR
+1.8%
10Y CAGR
+12.0%

CAC net income was $22.82M in fiscal Q3 2026 (ended Sep 30, 2026), up 7.7% from a year earlier and down 0.9% from the prior quarter. For the full fiscal 2025 it was $65.16M, up 22.9% from fiscal 2024. Compound annual growth was +1.8% over 5 years and +12.0% over 10 years. It rose in 7 of the last 10 fiscal years.

CAC EPSQ3 2026$1.34

Quarter YoY
+7.2%
QoQ
-0.7%
FY YoY
+6.1%
5Y CAGR
-0.6%
10Y CAGR
+8.3%

CAC diluted EPS was $1.34 in fiscal Q3 2026 (ended Sep 30, 2026), up 7.2% from a year earlier and down 0.7% from the prior quarter. For the full fiscal 2025 it was $3.84, up 6.1% from fiscal 2024. Compound annual growth was -0.6% over 5 years and +8.3% over 10 years.

CAC free cash flowQ3 2026$33.31M

Quarter YoY
-5.9%
QoQ
+11.4%
FY YoY
+5.1%
5Y CAGR
+30.6%
10Y CAGR
+16.4%

CAC free cash flow was $33.31M in fiscal Q3 2026 (ended Sep 30, 2026), down 5.9% from a year earlier and up 11.4% from the prior quarter. For the full fiscal 2025 it was $58.20M, up 5.1% from fiscal 2024. Compound annual growth was +30.6% over 5 years and +16.4% over 10 years. It rose in 4 of the last 10 fiscal years.

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Income statement

Income statement
Line item
FY2025
Dec 31, 2025
FY2024
Dec 31, 2024
FY2023
Dec 31, 2023
FY2022
Dec 31, 2022
FY2021
Dec 31, 2021
FY2020
Dec 31, 2020
FY2019
Dec 31, 2019
FY2018
Dec 31, 2018
FY2017
Dec 31, 2017
FY2016
Dec 31, 2016
Revenue$255.78M$176.99M$163.30M$188.40M$187.17M$186.80M$169.74M$158.57M$153.90M$152.69M
Interest expense--$93.98M$25.09M$11.05M$20.89M$40.89M$30.98M$20.80M$16.55M
Pre-tax income$78.66M$65.46M$53.84M$77.05M$86.64M$74.40M$71.58M$65.78M$62.35M$57.54M
Income tax$13.49M$12.46M$10.45M$15.61M$17.63M$14.91M$14.38M$12.71M$33.88M$17.47M
Net income$65.16M$53.00M$43.38M$61.44M$69.01M$59.49M$57.20M$53.07M$28.48M$40.07M
EPS, basic$3.86$3.63$2.98$4.18$4.62$3.96$3.70$3.40$1.83$2.59
EPS, diluted$3.84$3.62$2.97$4.17$4.60$3.95$3.69$3.39$1.82$2.57
Diluted shares17.0M14.6M14.6M14.7M15.0M15.0M15.5M15.6M15.6M15.5M

Balance sheet

Balance sheet
Line item
FY2025
Dec 31, 2025
FY2024
Dec 31, 2024
FY2023
Dec 31, 2023
FY2022
Dec 31, 2022
FY2021
Dec 31, 2021
FY2020
Dec 31, 2020
FY2019
Dec 31, 2019
FY2018
Dec 31, 2018
FY2017
Dec 31, 2017
FY2016
Dec 31, 2016
Cash and equivalents$97.49M$214.96M$99.80M$75.43M$220.63M$145.77M$75.64M$67.00M$102.97M$87.71M
Goodwill$151.50M$94.70M$94.70M$94.70M$94.70M$94.70M$94.70M$94.70M$94.70M$94.70M
Total assets$6.97B$5.81B$5.71B$5.67B$5.50B$4.90B$4.43B$4.30B$4.07B$3.86B
Short-term debt$581.78M$500.62M$485.61M$265.18M$211.61M$162.44M$268.81M$270.87M$541.80M$530.13M
Total debt-----$25.00M$10.00M$11.58M$10.79M$10.79M
Total liabilities$6.28B$5.27B$5.22B$5.22B$4.96B$4.37B$3.96B$3.86B$3.66B$3.47B
Shareholders' equity$696.56M$531.23M$495.06M$451.28M$541.29M$529.31M$473.42M$435.82M$403.41M$391.55M

Cash flow

Cash flow
Line item
FY2025
Dec 31, 2025
FY2024
Dec 31, 2024
FY2023
Dec 31, 2023
FY2022
Dec 31, 2022
FY2021
Dec 31, 2021
FY2020
Dec 31, 2020
FY2019
Dec 31, 2019
FY2018
Dec 31, 2018
FY2017
Dec 31, 2017
FY2016
Dec 31, 2016
Operating cash flow$63.91M$60.93M$67.51M$105.18M$142.72M$18.23M$32.87M$64.33M$58.33M$57.42M
Capital expenditures$5.71M$5.58M$2.62M$2.18M$1.85M$2.93M$4.27M$5.02M$2.84M$1.67M
Free cash flow$58.20M$55.36M$64.89M$103.00M$140.86M$15.30M$28.60M$59.31M$55.49M$55.75M
Investing cash flow-$56.41M$30.33M-$7.03M-$487.72M-$649.09M-$294.45M-$55.84M-$276.78M-$212.13M-$167.95M
Financing cash flow-$124.97M$23.90M-$36.10M$237.34M$581.23M$346.36M$31.60M$176.47M$169.06M$118.75M
Dividends paid$28.47M$24.56M$24.54M$23.51M$21.08M$19.84M$18.57M$17.17M$14.32M$12.39M
Share repurchases$0$1.61M$2.00M$10.24M$10.09M$9.69M$20.80M$27.0K$0$0
Stock-based compensation$3.42M$2.90M$2.79M$2.55M$2.38M$1.78M$1.89M$1.69M$1.47M$2.00M
Depreciation and amortization$5.21M$3.31M$3.37M$3.49M$3.71M$3.83M$3.89M$3.77M$3.76M$4.43M

Key ratios

Key ratios
Line item
FY2025
Dec 31, 2025
FY2024
Dec 31, 2024
FY2023
Dec 31, 2023
FY2022
Dec 31, 2022
FY2021
Dec 31, 2021
FY2020
Dec 31, 2020
FY2019
Dec 31, 2019
FY2018
Dec 31, 2018
FY2017
Dec 31, 2017
FY2016
Dec 31, 2016
Revenue growth, YoY44.5%8.4%-13.3%0.7%0.2%10.0%7.0%3.0%0.8%34.0%
Net income growth, YoY22.9%22.2%-29.4%-11.0%16.0%4.0%7.8%86.4%-28.9%91.2%
EPS growth, YoY6.1%21.9%-28.8%-9.3%16.5%7.0%8.8%86.3%-29.2%48.6%
Net margin25.5%29.9%26.6%32.6%36.9%31.8%33.7%33.5%18.5%26.2%
Free cash flow margin22.8%31.3%39.7%54.7%75.3%8.2%16.9%37.4%36.1%36.5%
Return on equity9.4%10.0%8.8%13.6%12.7%11.2%12.1%12.2%7.1%10.2%
Return on assets0.9%0.9%0.8%1.1%1.3%1.2%1.3%1.2%0.7%1.0%
Debt to equity-----0.050.020.030.030.03

Source: XBRL data Camden National Corporation files with the SEC, latest filing dated Nov 5, 2026 (see filings on SEC EDGAR). Provided for information only, not investment advice. Check the filing before relying on a number.

* Worked out from the filings rather than stated in them: Q4 is the full year less the first nine months.

Per-share figures and share counts are restated for stock splits the filings show: 3-for-2, first reported Nov 4, 2016.

EPS growth is left out where the share count moved enough to suggest a split the filings do not show. Growth rates need a positive starting figure. CAGR is compound annual growth between fiscal years. The CSV holds every period on file, in full figures, from the same SEC filings.

CAC peers

CompanyRevenueGrowthNet incomeNet marginMarket cap
CAC$268.46M+14.1%$90.28M33.6%$992.1M
JPM$203.15B+13.2%$65.98B32.5%$908.43B
BAC$120.16B+5.4%$32.24B26.8%$348.81B
WFC$87.23B+5.4%$22.97B26.3%$256.63B
C$85.22B+5.6%$14.31B16.8%$201.89B
UBS$49.57B+2.0%$7.80B15.7%$151.93B
MFG¥8.79T+7.6%¥1.16T13.2%$122.19B
COF$63.01B+31.2%$10.87B17.2%$119.45B
BNSC$37.74B+12.1%C$7.79B20.6%$114.51B

CAC FAQ

8 questions
  • What is CAC revenue?
    Camden National Corporation (CAC) reported $268.46M of revenue for the twelve months ended Sep 30, 2026. That is up 14.1% from the year before. Revenue for fiscal 2025 was $255.78M.
  • Is CAC profitable?
    Yes. Camden National Corporation earned $90.28M in net income for the twelve months ended Sep 30, 2026, a net margin of 33.6%.
  • How much cash and debt does CAC have?
    Camden National Corporation reported $248.57M in cash and cash equivalents on its most recent balance sheet in SEC filings.
  • How fast is CAC revenue growing?
    Camden National Corporation's revenue changed +44.5% in fiscal 2025, to $255.78M. Its compound annual growth rate was +6.5% over 5 years and +8.4% over 10 years.
  • What is CAC free cash flow?
    Camden National Corporation generated $100.42M of free cash flow for the twelve months ended Sep 30, 2026, which is operating cash flow of $106.44M less capital expenditures.
  • What is CAC earnings per share?
    Diluted earnings per share were $5.31 for the twelve months ended Sep 30, 2026, from SEC filings, restated for any stock split those filings show.
  • When did CAC last report financial results?
    The latest statements here come from Camden National Corporation's 10-Q filed on Nov 5, 2026, covering the period ended Sep 30, 2026.
  • Where does this CAC financial data come from?
    Quantisnow builds these statements from the structured XBRL data Camden National Corporation files with the SEC. It is provided for information only and is not investment advice.