CAC

Camden National

Fundamental data last updated:April 13, 2026

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company profile

SECTOR

Financial Services

industry

Banks - Regional

Exchange

Nasdaq

County of HQ

United States

Next Earnings Date

04/28/26

Business Summary

CAC operates as a regional bank generating revenue primarily through spread income—borrowing at lower rates and lending at higher yields—supplemented by fee-based banking services. Its moat is local market presence and relationship banking within its regional footprint, which can anchor deposit bases and lower funding volatility. The 3.5x price-to-sales ratio indicates the market values its revenue stream at a premium to many traditional banks, suggesting perceived franchise stability. Ultimately, cash flow is driven by disciplined loan underwriting, deposit gathering, and maintaining a spread that supports its 9.40% operating margin while sustaining dividend payments.

 


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VALUATION

P/E

13.2

Market Cap ($M USD)

$862

Forward P/E

8.6

PEG

0.7

PRICE TO SALES

3.5

PRICE TO BOOK

1.2

EV / EBITDA

-

5-Year Average P/E

Free Cash Flow Yield

DCF Value

Graham Number

Price to FCF

EV to FCF

Earnings Yield

FCF Yield

DIVIDEND

Yield

3.30%

Annual Payout

$1.68

Payout Ratio

43.50%

Consecutive Years of Dividend Growth

0

5-Year Dividend Growth Rate

4.90%

Financial Health & Profitability

Earnings Per Share

$3.86

Next Year EPS Growth Estimate

$5.88

Next Year Revenue Growth Estimate

7.30%

Return on Equity (ROE)

9.40%

FREE CASH FLOW

Operating Margin

44.10%

Debt-to-Equity

0.6

Piotroski F-Score

4

Altman Z-Score

0.3

Return on Invested Capital (ROIC)

16.80%

Current Ratio

-

Quick Ratio

Net Debt to EBITDA

Interest Coverage

Gross Profit margin

FCF PER SHARE

REVENUE PER SHARE

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Gainseekers Quantitative Analysis

Summary

At 13.2x earnings and just 8.6x forward earnings, the market is pricing CAC as a low-growth regional bank despite a forward PEG of 0.7 that implies undervalued growth relative to expectations. A 1.2x price-to-book with 16.80% ROIC suggests the franchise is generating returns meaningfully above its valuation multiple, pointing to potential mispricing on a capital efficiency basis. However, the Altman Z-Score of 0.3 is an outright distress signal, and a Piotroski F-Score of 4 confirms only middling financial strength. This is a classic case of a statistically cheap regional bank with strong capital returns metrics but balance sheet risk that the market is clearly discounting.

AI Exposure / Tech Reliance

As a Regional Bank in Financial Services, CAC’s AI exposure centers on underwriting automation, fraud detection, and digital banking efficiency rather than disruptive AI product revenue. Banks that effectively integrate AI can compress operating costs and improve loan decision accuracy, which could expand the current 9.40% operating margin. The risk is not technological obsolescence, but rather whether CAC has the capital flexibility to modernize while managing its leverage profile.

The Bull Case

A GARP or deep value investor sees immediate appeal: 8.6x forward earnings with a 0.7 PEG is statistically attractive, especially when paired with 16.80% ROIC that far exceeds its 1.2x book valuation. Return on Equity of 7.30% is modest, but the spread between ROIC and valuation suggests disciplined capital allocation. Institutional ownership at 51.75% indicates serious capital is already involved, and a short float of only 4.90% shows limited aggressive bearish positioning. Add a 3.30% dividend with a $1.68 payout ratio figure provided, and the stock screens as a cash-generating regional bank trading at a compressed multiple ahead of earnings on 04/28/26.

The Bear Case

The red flags are not subtle. An Altman Z-Score of 0.3 is deep in distress territory, and a Piotroski F-Score of 4 signals only average financial health, not strength. Debt/Equity of 44.10% introduces leverage risk in a rate-sensitive industry, and operating margins of 9.40% are not robust enough to absorb major credit shocks. The 0.6 TTM yield figure contrasts awkwardly with the 3.30% dividend per share percentage provided, and inconsistencies in reported metrics such as missing EPS and Current Ratio reduce analytical clarity. This is a balance-sheet-risk story masquerading as a value opportunity.

Market Sentiment & Smart Money

Short Interest %

3.20%

Analyst Consensus

2.8

Average Analyst Price Target

$51.75

Institutional Ownership %

74.30%

1-Year Beta

0.92

Insider Buying % (6 Mo)

2.00%%

Distance to 52-Week High

98.60%

Distance to 52-Week Low

147.20%

EARNINGS SURPRISE %

50-DAY SMA

200-DAY SMA

⚠️ Financial Disclaimer:
This content is for informational purposes only and is not financial advice. Information may be delayed or inaccurate. We may earn a commission from partner links.