# Camden National Corporation (CAC) fundamentals

Data as of 2026-09-08. NASDAQ, United States. Sector: Financial Services / Banks. Price $58.17, market value $983 million.

## Valuation
- **P/E (trailing): 11.1×** (5-yr avg 10.1×, 3-yr avg 11.1×). Camden National Corporation trades at 11.1× trailing earnings, close to its own five-year average of 10.1×. The Financial Services median in the September 2026 study was 13.1×. Forward P/E is 10.0×, lower than trailing, so analysts expect earnings to grow.
- **PEG: 1.65**. A PEG of 1.65 is in the range usually read as fairly priced for its growth.
- **Price / sales: 23.0×**. Each dollar of revenue is priced at 23.0×, a level that requires very high margins or very fast growth to justify.
- **Price / book: 1.4×**. The shares trade at 1.4× book value; book value is a meaningful part of the valuation.
- **Free-cash-flow yield: 10.4%** (5-yr avg 14.9%). Free cash flow equals 10.4% of the market value, below its five-year average of 14.9%, so the shares are pricier on cash than usual. Above 5% is generally attractive.
- **Earnings yield: 9.0%**. The inverse of the P/E: 9.0% of the price is earned each year.

## Profitability
- **Net margin: 156.1%**. 156.1% of each dollar of sales reaches the bottom line.
- **Return on equity: 9.4%**. 9.4% on shareholders' equity is weak; the business earns little on the capital its owners have in it.
- **Return on assets: 1.3%**. Each dollar of assets produces 1.3% of profit; low single digits are normal for banks and insurers.

## Growth
- **Revenue growth (1 yr): 17.0%** (3-yr 7.8%/yr, 5-yr 8.5%/yr). Revenue grew 17.0% over the last year, against 8.5% a year compounded over five years: growth is accelerating.
- **EPS growth (1 yr): 6.1%** (3-yr -2.7%/yr, 5-yr -0.6%/yr). Earnings per share rose 6.1%, slower than revenue, so margins compressed.
- **Free-cash-flow growth (3 yr): -17.3%/yr**. Free cash flow has compounded at -17.3% a year over three years, lagging earnings: check whether profits are turning into cash.

## Financial health
- **Piotroski F-score: 4/9**. 4 of 9 checks pass: mixed.

## Dividends
- **Dividend yield: 2.89%** ($1.68 per share, trailing). Camden National Corporation yields 2.89%, a modest yield more typical of a growth-oriented payer.
- **Payout ratio: 44%** (28% of free cash flow). 44% of earnings goes out as dividends, leaving room to keep raising it.
- **Consecutive years of increases: 13**. 13 straight years of increases, a record that survived at least one recession.
- **Dividend growth (5 yr): 4.9%/yr** (1-yr 0.0%). The dividend has grown 4.9% a year over five years.

## Price and momentum
- **Total return (1 yr): 47.1%** (YTD 37.6%, 3-mo 16.1%). The shares are up 47.1% over twelve months including dividends.
- **From 52-week high: -4.0%** (66.2% above the low). Trading within 5% of its 52-week high.
- **200-day average: above**. The price sits above its 200-day moving average, the usual definition of an uptrend.
- **RSI (14-day): 60**. An RSI of 60 is neutral.
- **Beta (1 yr): 0.65** (volatility 28%). Beta of 0.65 against the S&P 500: the shares move much less than the market.

Live score and charts: https://foliofundamentals.com/analyzer?s=CAC · Page: https://foliofundamentals.com/stocks/cac

Not investment advice.