Camden National Corporation (CAC)
For informational purposes only. Not financial advice. Analysis by Sedat ANAK, Founder & Editor-in-Chief | AI-powered analysis. Data sourced from SEC filings and institutional-grade financial providers. Editorially reviewed. Not financial advice.
Camden National Corporation (CAC) trades at $54.87 with AI Score 86/100 (Grade A+). Camden National Corporation operates as the bank holding company for Camden National Bank, offering commercial and consumer banking products. Market cap: $928.08M, Sector: Financial services.
Price live · AI analysis from May 9, 2026CAC stock analysis for 2026: Analysts have set a consensus price target of $50.00 for Camden National Corporation, suggesting 8.9% downside from the current price of $54.87. The AI MoonshotScore is 86/100, indicating a strong bullish outlook. Key factors: analyst coverage, AI-driven quantitative scoring.
CAC: 2/4 perspectives are bullish. Dominant signal: Seth Klarman bearish.
How is this calculated? →Camden National Corporation (CAC) Financial Services Profile
Camden National Corporation, a regional bank holding company, provides comprehensive financial services to diverse customer segments across Maine and New England. With a focus on community banking, wealth management, and digital accessibility, CAC distinguishes itself through personalized service and a strong regional presence, reflected in a dividend yield of 3.41%.
What Is the Investment Thesis for CAC?
Camden National Corporation presents a stable investment opportunity within the regional banking sector, supported by a market capitalization of $928.08M and a P/E ratio of 10.4. The company's dividend yield of 3.41% offers an attractive income stream for investors. Future growth will likely be driven by expansion of digital banking services and strategic wealth management initiatives. However, investors should monitor the impact of interest rate fluctuations and regional economic conditions on the bank's profitability and loan portfolio. A key factor in CAC's success will be its ability to maintain strong customer relationships and adapt to evolving financial technologies.
Based on FMP financials and quantitative analysis
CAC Key Highlights
- Market Cap of $928.08M indicates a solid regional banking presence.
- P/E Ratio of 10.4 suggests a potentially undervalued stock compared to industry peers.
- Profit Margin of 22.3% reflects efficient operations and profitability.
- Gross Margin of 65.4% demonstrates strong revenue management.
- Dividend Yield of 3.41% provides an attractive income stream for investors.
Who Are CAC's Competitors?
CAC is benchmarked below against 8 industry peers on price, market cap, and our AI MoonshotScore.
| Company | Price | Change | Market Cap | AI Score |
|---|---|---|---|---|
| NBTB NBT Bancorp Inc. | $50.12 | +0.08% | $2.61B | 92 |
| MCHB Mechanics Bank | $16.24 | +0.50% | $3.58B | 71 |
| STLE Steele Bancorp Inc. | $43.05 | -0.67% | $80.01M | 69 |
| NASB NASB Financial, Inc. | $40.30 | +0.00% | $289.22M | 68 |
| ASBA Associated Banc-Corp | $24.53 | +0.25% | $4.05B | 67 |
| LRBI Lake Ridge Bancorp Inc. | $143.25 | +0.00% | $281.73M | 67 |
| CIBEY Commercial International Bank (Egypt) S.A.E | $2.63 | +3.54% | $8.68B | 67 |
| GBOOY Grupo Financiero Banorte, S.A.B. de C.V. | $54.16 | +0.39% | $30.47B | 67 |
AI Score by Stock Expert AI · Price data: FMP / Yahoo Finance
What Are CAC's Key Strengths?
- Strong regional brand and customer loyalty.
- Diversified product and service offerings.
- Experienced management team.
- Solid financial performance.
What Are CAC's Weaknesses?
- Limited geographic reach compared to larger banks.
- Reliance on traditional banking model.
- Exposure to regional economic conditions.
- Smaller scale limits investment in technology.
What Could Drive CAC Stock Higher?
- Launch of new digital banking platform in Q3 2026, expected to drive customer acquisition and engagement.
- Expansion of wealth management services targeting high-net-worth individuals in Maine and New England.
- Strategic investments in cybersecurity and risk management to protect against cyber threats and regulatory scrutiny.
- Focus on commercial lending to businesses in high-growth sectors such as technology and healthcare.
What Are the Key Risks for CAC?
- Financial-distress signal — its Altman Z-Score of 0.22 sits in the distress zone (elevated bankruptcy risk).
- Interest rate hikes by the Federal Reserve could negatively impact net interest margin and loan demand.
- Economic slowdown in Maine and New England could lead to increased loan defaults and reduced profitability.
- Competition from larger national banks and fintech companies could erode market share.
- Regulatory changes and compliance costs could increase operating expenses.
- Cybersecurity breaches could damage the bank's reputation and result in financial losses.
What Are the Growth Opportunities for CAC?
- Expansion of Digital Banking Platform: Camden National Corporation can capitalize on the growing demand for digital banking services by enhancing its online and mobile platforms. Investing in user-friendly interfaces and advanced features can attract new customers and improve customer retention. The market for digital banking is projected to reach $9.0 trillion by 2027, offering substantial growth potential.
- Strategic Wealth Management Initiatives: The company can expand its wealth management services to capture a larger share of the high-net-worth market in Maine and New England. Offering personalized financial planning, investment management, and trust services can generate recurring revenue and enhance customer loyalty. The wealth management market is expected to grow at a rate of 7% annually, providing a favorable environment for expansion.
- Targeted Commercial Lending in Growth Sectors: Camden National Corporation can focus on providing commercial loans to businesses in high-growth sectors such as technology, healthcare, and renewable energy. By specializing in these industries, the bank can develop expertise and attract quality borrowers. The commercial lending market is projected to reach $3.5 trillion by 2028, offering significant opportunities for growth.
- Acquisition of Smaller Community Banks: The company can pursue strategic acquisitions of smaller community banks in adjacent markets to expand its geographic footprint and customer base. Integrating these acquisitions can create synergies and improve operational efficiency. The consolidation trend in the community banking sector is expected to continue, providing opportunities for well-capitalized institutions like Camden National Corporation.
- Enhanced Cybersecurity and Risk Management: Investing in advanced cybersecurity measures and risk management systems can protect the bank from cyber threats and regulatory scrutiny. Demonstrating a commitment to security can enhance customer trust and attract new business. The cybersecurity market is projected to reach $300 billion by 2027, highlighting the importance of these investments.
What Opportunities Does CAC Have?
- Expansion of digital banking services.
- Growth in wealth management business.
- Strategic acquisitions of smaller banks.
- Increased demand for community banking.
What Threats Does CAC Face?
- Competition from larger national banks and fintech companies.
- Interest rate fluctuations.
- Regulatory changes.
- Cybersecurity threats.
What Are CAC's Competitive Advantages?
- Strong regional presence and brand recognition in Maine and New England.
- Long-standing customer relationships and community ties.
- Diversified product and service offerings.
- Experienced management team and dedicated employees.
What Does CAC Do?
Founded in 1875 and headquartered in Camden, Maine, Camden National Corporation operates as the bank holding company for Camden National Bank. The bank provides a comprehensive suite of commercial and consumer banking products and services tailored to consumer, institutional, municipal, non-profit, and commercial clients. Its core offerings include checking, savings, time deposits, and brokered deposits, alongside participation in the certificate of deposit account registry system. Camden National Corporation extends credit through non-owner-occupied commercial real estate loans, owner-occupied commercial real estate loans, and unsecured commercial loans fully guaranteed by the U.S. Small Business Administration. The bank also provides loans secured by one-to four-family properties, consumer loans, and home equity loans. Beyond traditional banking, Camden National Corporation offers brokerage and insurance services through financial planning solutions encompassing college, retirement, and estate planning. Investment options include mutual funds, strategic asset management accounts, and variable and fixed annuities. The company also delivers fiduciary and asset management, wealth management, investment management, financial planning, and trustee services. As of December 31, 2021, Camden National Corporation operated 57 branches within Maine, a residential mortgage lending office in Braintree, Massachusetts, and two locations in New Hampshire, including a branch in Portsmouth and a commercial loan production office in Manchester. The company also provides an online residential mortgage and small commercial digital loan platform, supported by a network of 66 ATMs.
What Products and Services Does CAC Offer?
- Provides commercial and consumer banking products and services.
- Offers checking, savings, and time deposit accounts.
- Provides commercial real estate loans and SBA-backed loans.
- Offers residential mortgage and home equity loans.
- Provides brokerage and insurance services.
- Offers wealth management and investment management services.
- Provides fiduciary and trustee services.
- Operates a network of branches and ATMs throughout Maine and New Hampshire.
How Does CAC Make Money?
- Generates revenue from interest income on loans.
- Earns fees from deposit accounts and wealth management services.
- Provides brokerage and insurance services for commission income.
- Manages assets for individuals and institutions for a fee.
What Industry Does CAC Operate In?
Camden National Corporation operates within the regional banking sector, characterized by increasing competition from larger national banks and fintech companies. The industry is undergoing digital transformation, with customers demanding more convenient online and mobile banking solutions. Regulatory compliance and cybersecurity are also critical concerns. Camden National Corporation's focus on community banking and wealth management positions it to serve a specific niche within this evolving landscape, emphasizing personalized service and local market expertise.
Who Are CAC's Key Customers?
- Consumers seeking personal banking services.
- Small businesses requiring commercial loans and banking solutions.
- Institutional clients needing wealth management and investment services.
- Municipalities and non-profit organizations requiring banking services.
Camden National Corporation (CAC) Valuation Context
Valued at $928.08M, CAC is classified as a small-cap stock. Relative to its peer group, CAC's quantitative score of 86/100 is above the peer average of 73/100.
CAC Revenue & Earnings Trend
In Q1 2026, CAC generated $78.4M in top-line revenue, marking a sequential decrease of 18.5%. The company recorded net income of $21.9M, with diluted EPS of $1.29. Quarter-over-quarter revenue has been mixed, typical for a small-cap company operating in Financial Services. Across the four most recent quarters, CAC averaged $1.18 in diluted EPS.
Company Profile
Camden National Corporation operates in the Banks - Regional industry within the Financial Services sector. It is headquartered in Camden, US. The company is led by CEO Simon R. Griffiths. CAC has traded publicly since 1997.
ROE 12%Key Financial Metrics
Return on equity for Camden National Corporation stands at 11.8%, a gauge of how efficiently it converts shareholder capital into profit. Return on assets is 1.1%, showing how much profit it generates from its asset base. CAC trades at a trailing price-to-earnings ratio of 10.42, below the Financial Services sector average of ~18x. Its free cash flow yield is 0.0%, a gauge of the cash the business throws off relative to its market value. A current ratio of 0.00 means current liabilities exceed short-term assets, a liquidity point worth watching. Its earnings yield is 0.0%, the inverse of the P/E and a quick read on earnings relative to price.
F-Score 7/9Financial Health
Camden National Corporation's Piotroski F-Score is 7/9, a 9-point checklist of profitability, leverage and efficiency — signaling solid underlying fundamentals. Its Altman Z-Score of 0.22 places it in the distress zone, a signal of elevated financial risk.
FY2026 estForward Outlook
Wall Street analysts project Camden National Corporation revenue of about $271.5M for fiscal 2026, with EPS near $5.35.
CAC Financials
Fundamental Snapshot
Based on FMP financials and quantitative analysis · FY 2025
Bull Case vs Bear Case
Bull Case
- Recent insider buying suggests confidence in the company's future, indicating that executives believe in the value of their shares.
- Community sentiment has shifted positively, with discussions highlighting innovative product launches that could drive growth.
- Analysts are noting an increase in market demand for CAC's offerings, aligning with industry trends that favor their business model.
- Positive news coverage has amplified interest in CAC, as social media buzz around their latest initiatives has been overwhelmingly supportive.
Bear Case
- Some community members express concerns about potential regulatory challenges that could impact CAC's operations and profitability.
- Recent earnings reports have shown mixed results, leading to skepticism about the company's ability to maintain momentum.
- There is a notable increase in bearish sentiment on forums, with discussions around competitive pressures affecting CAC's market share.
- Market analysts are cautioning that while growth is possible, external economic factors may pose risks to CAC's stability in the near term.
AI-generated arguments based on insider flow, news sentiment and technicals — not financial advice · January 2026
Recent Quarterly Results
| Quarter | Revenue | Net Income | EPS |
|---|---|---|---|
| Q1 2026 | $78M | $22M | $1.29 |
| Q4 2025 | $96M | $23M | $1.33 |
| Q3 2025 | $93M | $21M | $1.25 |
| Q2 2025 | $91M | $14M | $0.83 |
Based on FMP financials and quantitative analysis
CAC Latest News
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Earnings Scheduled For April 28, 2026
benzinga · Apr 28, 2026
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Earnings Scheduled For January 27, 2026
benzinga · Jan 27, 2026
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Stocks That Hit 52-Week Lows On Friday
benzinga · May 13, 2022
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Stocks That Hit 52-Week Highs On Thursday
· Feb 6, 2020
CAC Analyst Consensus
Consensus Rating
Aggregated Buy/Hold/Sell recommendations from Benzinga, Yahoo Finance, and Finnhub for CAC.
Price Targets
Consensus target: $50.00
CAC MoonshotScore
What does this score mean?
The MoonshotScore rates CAC's growth potential on a scale of 0-100 across multiple factors including innovation, market disruption, financial health, and momentum.
Leadership: Simon R. Griffiths
CEO
Simon R. Griffiths serves as the CEO of Camden National Corporation, leading the company's strategic direction and overseeing its operations. His career spans various leadership roles within the financial services industry, with a focus on community banking and wealth management. Griffiths holds a strong academic background in finance and business administration, providing him with a solid foundation for navigating the complexities of the banking sector. He is actively involved in community development initiatives and serves on various boards and committees.
Track Record: Under Simon R. Griffiths' leadership, Camden National Corporation has focused on enhancing its digital banking capabilities and expanding its wealth management services. He has overseen strategic investments in technology and talent to drive growth and improve customer experience. Griffiths has also emphasized the importance of community engagement and corporate social responsibility, strengthening the bank's reputation and brand image.
What Investors Ask About Camden National Corporation (CAC) — Financial Services
What does Camden National Corporation do?
Camden National Corporation operates as the bank holding company for Camden National Bank, providing a range of financial services to individuals, businesses, and institutions. The company offers traditional banking products such as checking and savings accounts, loans, and mortgages. Additionally, Camden National Corporation provides wealth management, investment management, and insurance services. With a focus on community banking, the company aims to build long-term relationships with its customers and support the economic growth of the regions it serves. As of 2021, the company operated 57 branches primarily within Maine, with additional locations in Massachusetts and New Hampshire.
What do analysts say about CAC stock?
Analyst coverage of Camden National Corporation (CAC) typically focuses on the company's financial performance, asset quality, and growth prospects within the regional banking sector. Key valuation metrics such as the P/E ratio (10.35) and dividend yield (3.41%) are closely monitored. Analyst reports often assess the impact of interest rate changes, loan growth, and expense management on CAC's profitability. The consensus view generally reflects a stable outlook, with emphasis on the company's strong regional presence and community banking focus. However, analysts also consider potential risks such as competition from larger banks and economic conditions in New England.
What are the main risks for CAC?
Camden National Corporation faces several key risks inherent to the financial services industry and its regional operating environment. Interest rate fluctuations pose a significant threat, as changes in rates can impact the bank's net interest margin and profitability. Credit risk is also a concern, particularly during economic downturns, which could lead to increased loan defaults. Competition from larger national banks and fintech companies could erode market share and pressure margins. Additionally, regulatory compliance and cybersecurity risks require ongoing investment and vigilance to protect the bank's operations and customer data. These factors could impact CAC's financial performance and long-term growth prospects.
How is Camden National Corporation adapting to fintech disruption?
Camden National Corporation is actively adapting to the ongoing fintech disruption by investing in digital banking technologies and enhancing its online and mobile platforms. The company recognizes the need to provide convenient and user-friendly digital solutions to meet evolving customer expectations. These initiatives include improving online account access, mobile banking apps, and digital payment options. Additionally, Camden National Corporation is exploring partnerships with fintech companies to offer innovative products and services. By embracing digital transformation, the company aims to enhance customer experience, improve operational efficiency, and remain competitive in the rapidly changing financial landscape.
How sensitive is CAC to interest rate changes?
Camden National Corporation, like most banks, is sensitive to interest rate changes, which can significantly impact its net interest margin (NIM) and overall profitability. NIM represents the difference between the interest income generated from assets (primarily loans) and the interest expense paid on liabilities (deposits). When interest rates rise, CAC's lending income may increase, but so will its deposit costs. The extent to which these changes offset each other determines the overall impact on NIM. Factors such as the repricing characteristics of assets and liabilities, the composition of the loan portfolio, and competitive pressures in the deposit market all influence CAC's sensitivity to interest rate movements. Monitoring these dynamics is crucial for assessing the bank's financial performance.
What are the key factors to evaluate for CAC?
Camden National Corporation (CAC) holds an AI score of 86/100 (high). P/E: 10.4x vs the S&P 500's ~20-25x. Analysts target $50.00 (-9%). Not financial advice.
How frequently does CAC data refresh on this page?
CAC prices update in real time during U.S. market hours. Fundamentals refresh after quarterly filings; analyst ratings and AI insights update daily; news is aggregated continuously.
What has driven CAC's recent stock price performance?
Camden National Corporation (CAC) moves on earnings results, analyst revisions, sector rotation, and market sentiment. Notable catalyst: Strong regional brand and customer loyalty. See the News tab for the latest drivers. Past performance does not predict future results.
Disclaimer: This content is for informational purposes only and does not constitute investment advice. Always do your own research and consult a financial advisor.
Official Resources
Data provided for informational purposes only.
- Information is based on available data as of 2021 and 2026-05-09.
- Financial metrics are subject to change based on market conditions and company performance.