Camden National Corporation Common Stock (CAC)

FairStock Score: 71/100 — STEADY

Key Financials

AI Analysis

AI-generated, general educational analysis — not personal investment advice.

I look at a small regional bank like Camden National first through the lens of safety and consistency, not glitter. It serves consumer, commercial, municipal and non-profit customers, with 683 employees. The filed record shows FY2023 revenue of $33.6M and net income of $43.4M, FY2024 revenue of $35.7M and net income of $53.0M, and FY2025 revenue of $41.7M and net income of $65.2M. Diluted EPS rose from $2.97 to $3.62 to $3.84 over those years. More recently, in fiscal Q2 2026, the quarter ended 2026-06-30, filed net income was $23.0M and diluted EPS was $1.35, against $14.1M and $0.83 in fiscal Q2 2025, the quarter ended 2025-06-30. That is a sharp recent improvement. But the same filing shows revenue of $11.2M for fiscal Q2 2026, which is less than net income; that inconsistency makes the revenue line hard to trust as a clean bank top line. At the close on 2026-10-13, the price was $55.84, with a FairStock-calculated P/E of 10.70, P/B of 1.30, ROE of 12.87%, dividend yield of 3.01%, and beta of 0.56. A 12.87% ROE with 1.30 times book is not demanding, but banks are leveraged by design, and the data lacks CET1, NIM, nonperforming loans, reserves, and credit-quality detail; combined ratio is not in the data either. The FairStock score is 71/100 and Piotroski is 6/9. The Lynch category is SLOW GROWER because five-year profit growth was only 1.8% a year despite 8.5% revenue growth. Recent profit growth of 63.49% and PEG of 0.17 look attractive, but I would treat them cautiously until the bank-specific quality measures are visible. This is a modest regional bank with a low beta and dividend, not a wide-moat franchise.

In plain English: Camden National is a small regional bank that takes deposits and makes loans, mostly in the United States, with 683 employees. Recent profit has improved and it pays a dividend, but the filed revenue figures look odd next to net income, so the business picture is mixed. At $55.84 on 2026-10-13, the price looks moderate against earnings and accounting value, not clearly cheap or expensive from the few bank numbers given.

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Data as of 2026-10-13 close · note generated 2026-10-15 · model deepseek-flash

Sources (SEC EDGAR): fiscal Q2 2026 10-Q (period ended 2026-06-30) · fiscal Q1 2026 10-Q (period ended 2026-03-31) · fiscal Q3 2025 10-Q (period ended 2025-09-30) · fiscal Q2 2025 10-Q (period ended 2025-06-30) · FY2025 10-K (period ended 2025-12-31) · FY2024 10-K (period ended 2024-12-31) · FY2023 10-K (period ended 2023-12-31)

Fundamentals from company filings and market-data providers; prices are end-of-day, not real-time. AI-generated analysis is general and educational — not personal investment advice. Scoring methodology · Score test · Disclaimer