Camden National Corporation Logo

Camden National Corporation

CAC

(2.8)
Stock Price

40,68 USD

0.88% ROA

9.18% ROE

10.74x PER

Market Cap.

539.887.139,00 USD

111.05% DER

4.53% Yield

20.49% NPM

Camden National Corporation Stock Analysis

Camden National Corporation Fundamental Analysis

Fundamental analysis in stock investing is like studying the foundation of a house before buying it. It involves looking at a company's financial health, like its earnings, assets, and debts, to determine if it's a good investment based on its fundamental strength and potential for growth.

Camden National Corporation Fundamental Stock Analysis
# Analysis Rating
1 Assets Growth

With a track record of consistent revenue growth in the past five years, this company presents a compelling opportunity.

2 Dividend Growth

The company's dividend growth has consistently increased every year in the last five years, indicating a strong track record of positive returns for investors.

3 Dividend

Investors can trust the company's impressive dividend track record, consistently distributing dividends over the past five years, showcasing a strong commitment to rewarding shareholders.

4 ROE

The stock's ROE falls within an average range (10.88%), demonstrating satisfactory profitability and efficiency in utilizing shareholders' equity.

5 ROA

The stock's ROA (0.88%) shows that it's doing a pretty good job at making money from its assets, making it a solid choice to invest and earn steady profits.

6 PBV

The stock's PBV ratio (1.09x) reflects a fair valuation, making it an attractive option for investors seeking balanced opportunities.

7 Graham Number

Based on the Graham number, this company's stock price appears to be lower than its intrinsic value, signaling a potentially favorable investment choice.

8 Buffet Intrinsic Value

The company's stock shows potential as it is undervalued (129) according to Warren Buffett's formula, indicating that its intrinsic value exceeds the market price.

9 DER

The company has a high debt to equity ratio (111%), which means it owes a lot of money compared to what it actually owns, making it financially risky.

10 Revenue Growth

Company has experienced no growth in revenue over the past three years, suggesting limited profitability and making it a less desirable investment opportunity.

11 Net Profit Growth

This company's net profit has remained flat over the past five years, suggesting a lack of growth and making it a less attractive investment opportunity.

Camden National Corporation Technical Analysis

Technical analysis in stock investing is like reading the patterns on a weather map to predict future weather conditions. It involves studying past stock price movements and trading volumes to make predictions about where a stock's price might go next, without necessarily looking at the company's financial health.

Camden National Corporation Technical Stock Analysis
# Analysis Recommendation
1 Awesome Oscillator Buy
2 MACD Buy
3 RSI Hold
4 Stoch RSI Sell

Camden National Corporation Price Chart

Financial Statements

Financial statements are like report cards for companies. They show how much money a company makes (income statement), what it owns and owes (balance sheet), and where it spends its money (cash flow statement), helping stock investors understand if a company is healthy and worth investing in.

Income Statements

An income statement for a company is like a scoreboard for its profits and losses. It shows how much money the company made (revenue) and how much it spent to make that money (expenses), helping stock investors see if a company is making a profit or not.

Revenue in stock investing is the total amount of money a company earns from its sales, and it's a key factor that investors consider to assess a company's financial performance and growth potential.

Camden National Corporation Revenue
Year Revenue Growth
1996 4.249.000
1997 28.600.000 85.14%
1998 32.600.000 12.27%
1999 46.700.000 30.19%
2000 48.428.000 3.57%
2001 57.275.000 15.45%
2002 61.316.000 6.59%
2003 58.488.000 -4.84%
2004 60.411.000 3.18%
2005 65.074.000 7.17%
2006 65.819.000 1.13%
2007 62.522.000 -5.27%
2008 71.931.000 13.08%
2009 92.459.000 22.2%
2010 95.366.000 3.05%
2011 98.381.000 3.06%
2012 97.157.000 -1.26%
2013 100.534.000 3.36%
2014 100.627.000 0.09%
2015 113.934.000 11.68%
2016 150.109.000 24.1%
2017 151.144.000 0.68%
2018 155.389.000 2.73%
2019 166.130.000 6.47%
2020 183.044.000 9.24%
2021 182.858.000 -0.1%
2022 183.794.000 0.51%
2023 230.676.000 20.32%

Research and Development Expenses are the costs a company incurs to create and improve its products or services, which can be important for investors to evaluate a company's innovation and potential for future growth.

Camden National Corporation Research and Development Expenses
Year Research and Development Expenses Growth
1996 0
1997 0 0%
1998 0 0%
1999 0 0%
2000 0 0%
2001 0 0%
2002 0 0%
2003 0 0%
2004 0 0%
2005 0 0%
2006 0 0%
2007 0 0%
2008 0 0%
2009 0 0%
2010 0 0%
2011 0 0%
2012 0 0%
2013 0 0%
2014 0 0%
2015 0 0%
2016 0 0%
2017 0 0%
2018 0 0%
2019 0 0%
2020 0 0%
2021 0 0%
2022 0 0%
2023 0 0%

General and Administrative Expenses are the costs a company incurs to run its day-to-day operations, such as office rent, salaries, and utilities, which investors consider to understand a company's overall efficiency and management effectiveness.

Camden National Corporation General and Administrative Expenses
Year General and Administrative Expenses Growth
1996 6.303.000
1997 7.000.000 9.96%
1998 8.600.000 18.6%
1999 12.600.000 31.75%
2000 11.558.000 -9.02%
2001 14.279.000 19.06%
2002 16.500.000 13.46%
2003 16.895.000 2.34%
2004 17.367.000 2.72%
2005 18.595.000 6.6%
2006 17.980.000 -3.42%
2007 18.486.000 2.74%
2008 24.093.000 23.27%
2009 33.910.000 28.95%
2010 35.290.000 3.91%
2011 33.211.000 -6.26%
2012 29.689.000 -11.86%
2013 32.609.000 8.95%
2014 32.669.000 0.18%
2015 37.220.000 12.23%
2016 48.072.000 22.57%
2017 49.965.000 3.79%
2018 51.513.000 3.01%
2019 54.489.000 5.46%
2020 57.938.000 5.95%
2021 61.007.000 5.03%
2022 62.019.000 1.63%
2023 3.588.000 -1628.51%

EBITDA stands for Earnings Before Interest, Taxes, Depreciation, and Amortization. It is a measure that helps stock investors analyze a company's profitability by looking at its earnings without considering certain expenses. This helps to get a clearer picture of the company's financial performance and its ability to generate cash flow.

Camden National Corporation EBITDA
Year EBITDA Growth
1996 32.266.000
1997 35.600.000 9.37%
1998 35.800.000 0.56%
1999 47.000.000 23.83%
2000 61.515.000 23.6%
2001 60.814.000 -1.15%
2002 56.320.000 -7.98%
2003 55.553.000 -1.38%
2004 55.768.000 0.39%
2005 68.318.000 18.37%
2006 84.068.000 18.73%
2007 88.848.000 5.38%
2008 80.742.000 -10.04%
2009 76.802.000 -5.13%
2010 69.862.000 -9.93%
2011 65.391.000 -6.84%
2012 56.876.000 -14.97%
2013 51.811.000 -9.78%
2014 52.337.000 1.01%
2015 48.471.000 -7.98%
2016 80.422.000 39.73%
2017 88.728.000 9.36%
2018 97.486.000 8.98%
2019 72.284.000 -34.87%
2020 75.078.000 3.72%
2021 87.296.000 14%
2022 106.256.000 17.84%
2023 48.092.000 -120.94%

Gross profit is the money a company makes from selling its products or services after subtracting the cost of producing or providing them, and it is an important measure for investors to understand a company's profitability.

Camden National Corporation Gross Profit
Year Gross Profit Growth
1996 4.249.000
1997 28.600.000 85.14%
1998 32.600.000 12.27%
1999 46.700.000 30.19%
2000 48.428.000 3.57%
2001 57.275.000 15.45%
2002 61.316.000 6.59%
2003 37.463.000 -63.67%
2004 60.411.000 37.99%
2005 65.074.000 7.17%
2006 65.819.000 1.13%
2007 62.522.000 -5.27%
2008 71.931.000 13.08%
2009 92.458.000 22.2%
2010 95.366.000 3.05%
2011 98.381.000 3.06%
2012 95.503.000 -3.01%
2013 98.416.000 2.96%
2014 98.596.000 0.18%
2015 111.665.000 11.7%
2016 148.894.000 25%
2017 151.144.000 1.49%
2018 155.389.000 2.73%
2019 166.130.000 6.47%
2020 183.044.000 9.24%
2021 182.858.000 -0.1%
2022 183.794.000 0.51%
2023 230.676.000 20.32%

Net income in stock investing is like the money a company actually gets to keep as profit after paying all its bills, and it's an important measure to understand how well a company is doing financially.

Camden National Corporation Net Profit
Year Net Profit Growth
1996 8.115.000
1997 9.100.000 10.82%
1998 9.600.000 5.21%
1999 10.200.000 5.88%
2000 13.859.000 26.4%
2001 15.418.000 10.11%
2002 17.051.000 9.58%
2003 18.928.000 9.92%
2004 19.493.000 2.9%
2005 21.380.000 8.83%
2006 20.276.000 -5.44%
2007 20.283.000 0.03%
2008 15.335.000 -32.27%
2009 22.773.000 32.66%
2010 24.766.000 8.05%
2011 26.177.000 5.39%
2012 23.428.000 -11.73%
2013 22.783.000 -2.83%
2014 24.570.000 7.27%
2015 20.952.000 -17.27%
2016 40.067.000 47.71%
2017 28.476.000 -40.7%
2018 53.071.000 46.34%
2019 57.203.000 7.22%
2020 59.486.000 3.84%
2021 69.014.000 13.81%
2022 61.439.000 -12.33%
2023 39.148.000 -56.94%

EPS, or earnings per share, is a measure that shows how much profit a company has earned for each outstanding share of its stock, and it is important for stock investors as it helps understand the profitability of a company and compare it with other companies in the market.

Camden National Corporation Earning per Share (EPS)
Year Earning per Share (EPS) Growth
1996 1
1997 0 0%
1998 1 0%
1999 1 0%
2000 1 100%
2001 1 0%
2002 1 0%
2003 2 0%
2004 2 0%
2005 2 0%
2006 2 0%
2007 2 50%
2008 1 -100%
2009 2 0%
2010 2 50%
2011 2 0%
2012 2 0%
2013 2 -100%
2014 2 50%
2015 2 -100%
2016 3 50%
2017 2 -100%
2018 3 66.67%
2019 4 0%
2020 4 0%
2021 5 25%
2022 4 0%
2023 3 -100%

Cashflow Statements

Cashflow statements show the movement of money in and out of a company, helping stock investors understand how much money a company makes and spends. By examining cashflow statements, investors can assess if a company is generating enough cash to pay its bills, invest in growth, and provide returns to stockholders.

Free cash flow is the leftover cash that a company generates after covering its operating expenses and capital expenditures, which is important for stock investors as it shows how much money a company has available to invest in growth, pay dividends, or reduce debt.

Camden National Corporation Free Cashflow
Year Free Cashflow Growth
1996 8.315.000
1997 4.500.000 -84.78%
1998 -9.700.000 146.39%
1999 17.100.000 156.73%
2000 3.073.000 -456.46%
2001 33.192.000 90.74%
2002 20.753.000 -59.94%
2003 20.917.000 0.78%
2004 18.612.000 -12.38%
2005 22.567.000 17.53%
2006 18.955.000 -19.06%
2007 18.884.000 -0.38%
2008 26.649.000 29.14%
2009 20.178.000 -32.07%
2010 33.346.000 39.49%
2011 31.907.000 -4.51%
2012 38.926.000 18.03%
2013 28.242.000 -37.83%
2014 28.570.000 1.15%
2015 12.729.000 -124.45%
2016 55.747.000 77.17%
2017 55.490.000 -0.46%
2018 59.313.000 6.45%
2019 28.604.000 -107.36%
2020 15.304.000 -86.91%
2021 140.864.000 89.14%
2022 103.000.000 -36.76%
2023 9.787.000 -952.42%

Operating cash flow represents the cash generated or consumed by a company's day-to-day operations, excluding external investing or financing activities, and is crucial for stock investors as it shows how much cash a company is generating from its core business operations.

Camden National Corporation Operating Cashflow
Year Operating Cashflow Growth
1996 10.065.000
1997 5.300.000 -89.91%
1998 -8.500.000 162.35%
1999 18.500.000 145.95%
2000 8.579.000 -115.64%
2001 36.695.000 76.62%
2002 21.789.000 -68.41%
2003 21.234.000 -2.61%
2004 20.677.000 -2.69%
2005 23.630.000 12.5%
2006 22.115.000 -6.85%
2007 22.465.000 1.56%
2008 27.722.000 18.96%
2009 22.671.000 -22.28%
2010 35.805.000 36.68%
2011 33.423.000 -7.13%
2012 42.329.000 21.04%
2013 29.732.000 -42.37%
2014 29.886.000 0.52%
2015 15.918.000 -87.75%
2016 57.418.000 72.28%
2017 58.334.000 1.57%
2018 64.334.000 9.33%
2019 32.871.000 -95.72%
2020 18.230.000 -80.31%
2021 142.716.000 87.23%
2022 105.183.000 -35.68%
2023 9.787.000 -974.72%

Capex, short for capital expenditures, refers to the money a company spends on acquiring or upgrading tangible assets like buildings, equipment, or technology, which is important for stock investors as it indicates how much a company is investing in its infrastructure to support future growth and profitability.

Camden National Corporation Capital Expenditure
Year Capital Expenditure Growth
1996 1.750.000
1997 800.000 -118.75%
1998 1.200.000 33.33%
1999 1.400.000 14.29%
2000 5.506.000 74.57%
2001 3.503.000 -57.18%
2002 1.036.000 -238.13%
2003 317.000 -226.81%
2004 2.065.000 84.65%
2005 1.063.000 -94.26%
2006 3.160.000 66.36%
2007 3.581.000 11.76%
2008 1.073.000 -233.74%
2009 2.493.000 56.96%
2010 2.459.000 -1.38%
2011 1.516.000 -62.2%
2012 3.403.000 55.45%
2013 1.490.000 -128.39%
2014 1.316.000 -13.22%
2015 3.189.000 58.73%
2016 1.671.000 -90.84%
2017 2.844.000 41.24%
2018 5.021.000 43.36%
2019 4.267.000 -17.67%
2020 2.926.000 -45.83%
2021 1.852.000 -57.99%
2022 2.183.000 15.16%
2023 0 0%

Balance Sheet

Balance sheets provide a snapshot of a company's financial health and its assets (such as cash, inventory, and property) and liabilities (like debts and obligations) at a specific point in time. For stock investors, balance sheets help assess the company's overall worth and evaluate its ability to meet financial obligations and support future growth.

Equity refers to the ownership interest or stake that shareholders have in a company, representing their claim on its assets and earnings after all debts and liabilities are paid.

Camden National Corporation Equity
Year Equity Growth
1996 57.822.000
1997 62.600.000 7.63%
1998 64.100.000 2.34%
1999 77.600.000 17.4%
2000 90.923.000 14.65%
2001 105.068.000 13.46%
2002 118.828.000 11.58%
2003 119.706.000 0.73%
2004 126.405.000 5.3%
2005 129.538.000 2.42%
2006 107.052.000 -21%
2007 120.203.000 10.94%
2008 166.400.000 27.76%
2009 190.561.000 12.68%
2010 205.995.000 7.49%
2011 218.876.000 5.89%
2012 233.815.000 6.39%
2013 231.096.000 -1.18%
2014 245.109.000 5.72%
2015 363.190.000 32.51%
2016 391.547.000 7.24%
2017 403.413.000 2.94%
2018 435.825.000 7.44%
2019 473.415.000 7.94%
2020 529.314.000 10.56%
2021 541.294.000 2.21%
2022 451.278.000 -19.95%
2023 463.298.000 2.59%

Assets represent the valuable resources that a company owns, such as cash, inventory, property, and equipment, and understanding a company's assets helps investors assess its value and potential for generating future profits.

Camden National Corporation Assets
Year Assets Growth
1996 510.078.000
1997 573.900.000 11.12%
1998 668.000.000 14.09%
1999 928.400.000 28.05%
2000 1.010.883.000 8.16%
2001 1.089.355.000 7.2%
2002 1.218.419.000 10.59%
2003 1.370.363.000 11.09%
2004 1.489.865.000 8.02%
2005 1.653.257.000 9.88%
2006 1.769.886.000 6.59%
2007 1.716.788.000 -3.09%
2008 2.341.496.000 26.68%
2009 2.235.383.000 -4.75%
2010 2.306.007.000 3.06%
2011 2.302.720.000 -0.14%
2012 2.564.757.000 10.22%
2013 2.603.829.000 1.5%
2014 2.789.853.000 6.67%
2015 3.709.871.000 24.8%
2016 3.864.230.000 3.99%
2017 4.065.398.000 4.95%
2018 4.297.435.000 5.4%
2019 4.429.521.000 2.98%
2020 4.898.745.000 9.58%
2021 5.500.356.000 10.94%
2022 5.671.850.000 3.02%
2023 5.779.675.000 1.87%

Liabilities refer to the financial obligations or debts that a company owes to creditors or external parties, and understanding a company's liabilities is important for investors as it helps assess the company's financial risk and ability to meet its obligations.

Camden National Corporation Liabilities
Year Liabilities Growth
1996 452.211.000
1997 511.200.000 11.54%
1998 603.800.000 15.34%
1999 850.700.000 29.02%
2000 919.784.000 7.51%
2001 984.287.000 6.55%
2002 1.099.591.000 10.49%
2003 1.250.657.000 12.08%
2004 1.363.460.000 8.27%
2005 1.523.719.000 10.52%
2006 1.662.834.000 8.37%
2007 1.596.585.000 -4.15%
2008 2.175.096.000 26.6%
2009 2.044.822.000 -6.37%
2010 2.100.012.000 2.63%
2011 2.083.844.000 -0.78%
2012 2.330.942.000 10.6%
2013 2.372.733.000 1.76%
2014 2.544.744.000 6.76%
2015 3.346.681.000 23.96%
2016 3.472.683.000 3.63%
2017 3.661.985.000 5.17%
2018 3.861.610.000 5.17%
2019 3.956.106.000 2.39%
2020 4.369.431.000 9.46%
2021 4.959.062.000 11.89%
2022 5.220.572.000 5.01%
2023 5.316.377.000 1.8%

Camden National Corporation Financial Ratio (TTM)

Valuation Metrics

Revenue per Share
13.58
Net Income per Share
3.45
Price to Earning Ratio
10.74x
Price To Sales Ratio
2.73x
POCF Ratio
8.72
PFCF Ratio
8.99
Price to Book Ratio
1.17
EV to Sales
4.26
EV Over EBITDA
8.9
EV to Operating CashFlow
13.61
EV to FreeCashFlow
14.04
Earnings Yield
0.09
FreeCashFlow Yield
0.11
Market Cap
0,54 Bil.
Enterprise Value
0,84 Bil.
Graham Number
49.72
Graham NetNet
-310.19

Income Statement Metrics

Net Income per Share
3.45
Income Quality
1.23
ROE
0.11
Return On Assets
0.01
Return On Capital Employed
0.03
Net Income per EBT
0.81
EBT Per Ebit
0.75
Ebit per Revenue
0.34
Effective Tax Rate
0.19

Margins

Sales, General, & Administrative to Revenue
0.23
Research & Developement to Revenue
0
Stock Based Compensation to Revenue
0.01
Gross Profit Margin
1
Operating Profit Margin
0.34
Pretax Profit Margin
0.25
Net Profit Margin
0.2

Dividends

Dividend Yield
0.05
Dividend Yield %
4.53
Payout Ratio
0.36
Dividend Per Share
1.68

Operating Metrics

Operating Cashflow per Share
4.25
Free CashFlow per Share
4.12
Capex to Operating CashFlow
-0.03
Capex to Revenue
-0.01
Capex to Depreciation
-0.63
Return on Invested Capital
0.08
Return on Tangible Assets
0.01
Days Sales Outstanding
0
Days Payables Outstanding
0
Days of Inventory on Hand
0
Receivables Turnover
0
Payables Turnover
0
Inventory Turnover
0
Capex per Share
-0.13

Balance Sheet

Cash per Share
54,99
Book Value per Share
31,82
Tangible Book Value per Share
25.24
Shareholders Equity per Share
31.82
Interest Debt per Share
40.78
Debt to Equity
1.11
Debt to Assets
0.09
Net Debt to EBITDA
3.2
Current Ratio
1.7
Tangible Asset Value
0,37 Bil.
Net Current Asset Value
-4,52 Bil.
Invested Capital
1.11
Working Capital
0,33 Bil.
Intangibles to Total Assets
0.02
Average Receivables
0,00 Bil.
Average Payables
0,11 Bil.
Average Inventory
0
Debt to Market Cap
0.95

Dividends

Dividends in stock investing are like rewards that companies give to their shareholders. They are a portion of the company's profits distributed to investors, typically in the form of cash payments, as a way for them to share in the company's success.

Camden National Corporation Dividends
Year Dividends Growth
1997 0
1998 2 100%
1999 1 0%
2000 1 0%
2001 1 0%
2002 1 0%
2003 1 0%
2004 1 100%
2005 1 0%
2006 1 0%
2007 1 100%
2008 1 0%
2009 1 100%
2010 1 0%
2011 2 0%
2012 1 0%
2013 1 0%
2014 1 0%
2015 1 0%
2016 1 0%
2017 1 0%
2018 1 100%
2019 1 0%
2020 1 0%
2021 1 0%
2022 2 0%
2023 2 0%

Camden National Corporation Profile

About Camden National Corporation

Camden National Corporation operates as the bank holding company for Camden National Bank that provides various commercial and consumer banking products and services for consumer, institutional, municipal, non-profit, and commercial customers. The company accepts checking, savings, time, and brokered deposits, as well as deposits with the certificate of deposit account registry system. It also offers non-owner-occupied commercial estate loans, owner-occupied commercial real estate loans, unsecured fully-guaranteed commercial loans backed by the U.S. small business administration, loans secured by one-to four-family properties, and consumer and home equity loans. In addition, the company provides brokerage and insurance services through its financial offerings consisting of college, retirement, estate planning, mutual funds, strategic asset management accounts, and variable and fixed annuities. Further, it offers a range of fiduciary and asset management, wealth management, investment management, financial planning, and trustee services. As of December 31, 2021, the company had 57 branches within Maine; one residential mortgage lending office in Braintree, Massachusetts; two locations in New Hampshire, including a branch in Portsmouth and a commercial loan production office in Manchester; and an online residential mortgage and small commercial digital loan platform, as well as 66 ATMs. Camden National Corporation was founded in 1875 and is headquartered in Camden, Maine.

CEO
Mr. Simon R. Griffiths
Employee
600
Address
2 Elm Street
Camden, 04843

Camden National Corporation Executives & BODs

Camden National Corporation Executives & BODs
# Name Age
1 Mr. William H. Martel
Executive Vice President of Technology & Support Services and Chief Technology Officer
70
2 Ms. Patricia A. Rose
Executive Vice President of Retail & Mortgage Banking
70
3 Mr. Gregory A. Dufour
Advisor
70
4 Mr. Ryan A. Smith
Chief Credit Officer & Executive Vice President
70
5 Mr. Timothy P. Nightingale
Executive Vice President & Chief Credit Officer
70
6 Mr. Craig Norman Denekas
Secretary & Director
70
7 Mr. Simon R. Griffiths
Chief Executive Officer, President & Director
70
8 Ms. Carolyn Carson-Crosby
Senior Vice President of Employee Relations and Engagement Manager
70
9 Mr. David J. Ackley Jr.
Executive Vice President & Chief Risk Officer
70
10 Ms. Renée D. Smyth
Executive Vice President and Chief Experience & Marketing Officer
70

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