Camden National Corp.

CAC

$57.98

+0.76%

2026-09-04 12:26:00 EDT+$0.44

Financial Services

Banks - Regional

NASDAQ

Active Trading

Camden National Corporation operates as the bank holding company for Camden National Bank that provides various commercial and consumer banking products and ...

Key Metrics of CAC

Snapshot

Latest / TTM · 6 periods

Market Cap

$980.71M

ROCE

1.4%

EV / EBITDA

14.81x

+0.1% YoY

FCF Yield

10.5%

+2.5% YoY

Cash Conversion Cycle

0.0d

Current Ratio

0.20

Quick take

TTM —

Current ratio below 1.0

Negative working capital

Key Metrics

Latest / TTM · 6 periods

Valuation trend

Valuation trend table

Metric	2021	2022	2023	2024	2025	TTM
Market CapTotal market value of all shares outstanding.	$717.78M	$610.51M	$548.01M	$623.11M	$730.31M	$973.27M
Enterprise ValueCompany value including debt and cash adjustments.	$753.09M	$844.59M	$978.14M	$953.10M	$1.28B	$1.44B
EV / SalesHow many dollars investors pay per dollar of sales.	3.88x	4.04x	3.91x	3.29x	3.48x	4.17x
EV / EBITDAValuation multiple versus operating earnings before non-cash charges.	8.28x	10.41x	16.92x	13.75x	13.95x	14.74x
Net Debt / EBITDALeverage ratio using net debt divided by EBITDA.	0.39	2.88	7.44	4.76	5.97	4.81

Returns + ROCE gauge

ROCE latest

1.4%

Prev year 1.3%

Returns + ROCE gauge table

Metric	2021	2022	2023	2024	2025	TTM
ROEProfit generated from shareholders' equity.	12.7%	13.6%	8.8%	10.0%	9.4%	12.6%
ROAProfit generated from total assets.	1.3%	1.1%	0.8%	0.9%	0.9%	1.3%
ROICReturn generated on invested operating capital.	-2.3%	-1.4%	-1.0%	-1.3%	10.6%	-33.2%
ROCEOperating return on long-term capital used.	14.8%	15.5%	10.0%	9.8%	1.3%	1.4%
Earnings YieldEarnings as a percentage of market value.	9.6%	10.1%	7.9%	8.5%	8.9%	9.1%

Cash flow quality

Cash flow quality table

Metric	2021	2022	2023	2024	2025	TTM
FCFFCash flow available to all capital providers.	$149.66M	$123.01M	$140.62M	$150.18M	$155.46M	$189.34M
FCFECash flow available to equity holders after debt flows.	$149.88M	$156.41M	$285.15M	$70.08M	$29.53M	$12.20M
FCF YieldFree cash flow divided by market capitalization.	19.6%	16.9%	11.8%	8.9%	8.0%	10.5%
Income QualityHow well accounting earnings are backed by cash flow.	2.07	1.71	1.56	1.15	0.98	1.22
Capex / OCFShare of operating cash flow spent on capital expenditures.	1.3%	2.1%	3.9%	9.2%	8.9%	5.1%

Operating efficiency

Operating efficiency table

Metric	2021	2022	2023	2024	2025	TTM
DSOAverage days to collect cash from customers.	0.0d	0.0d	0.0d	0.0d	18.3d	0.0d
DIOAverage days inventory stays before being sold.	0.0d	0.0d	0.0d	0.0d	0.0d	0.0d
DPOAverage days the company takes to pay suppliers.	4377.1d	1037.7d	356.9d	0.0d	0.0d	0.0d
Operating CycleTime from buying inventory to collecting receivables.	0.0d	0.0d	0.0d	0.0d	18.3d	0.0d
Cash Conversion CycleNet days cash is tied in operations.	-4377.1d	-1037.7d	-356.9d	0.0d	18.3d	0.0d

Snapshot

Latest / TTM: —

Market Cap

$980.71M

ROE

12.6%

FCF Yield

10.5%

Current Ratio

0.20

Supply Chain of CAC

Upstream / Downstream / Proxies

Upstream

Jack Henry & AssociatesNASDAQ:JKHY nCino, Inc.NASDAQ:NCNO Snowflake Inc.NYSE:SNOWQlik (Talend)LPL Financial Holdings Inc.NASDAQ:LPLA Visa Inc.NYSE:VPasserelle DataAmazon Web Services (AWS)NASDAQ:AMZN Salesforce Inc.NYSE:CRM

Downstream

Retail Banking Customers (Individuals)Small Business Banking CustomersCommercial & Middle-Market Business CustomersWealth Management Clients (High Net Worth)Mortgage Borrowers (Residential)LPL Financial Institution Services PlatformNASDAQ:LPLA Jack Henry & Associates (Banno Digital Platform)NASDAQ:JKHY

Proxies

Bar Harbor BanksharesNYSE:BHB Jack Henry & AssociatesNASDAQ:JKHY nCino Inc.NASDAQ:NCNO LPL Financial Holdings Inc.NASDAQ:LPLA

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