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GuruFocus Financial Strength Rank measures how strong a company’s financial situation is. It is based on these factors

1. The debt burden that the company has as measured by its Interest coverage (current year).
2. Debt to revenue ratio. The lower, the better
3. Altman Z-score.

A company ranks high with financial strength is likely to withstand any business slowdowns and recessions.

Financial Strength : 6/10

vs
industry
vs
history
Cash to Debt 0.11
CAC's Cash to Debt is ranked lower than
92% of the 1188 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.15 vs. CAC: 0.11 )
Ranked among companies with meaningful Cash to Debt only.
CAC' s Cash to Debt Range Over the Past 10 Years
Min: 0.05  Med: 0.11 Max: N/A
Current: 0.11
Equity to Asset 0.10
CAC's Equity to Asset is ranked higher than
51% of the 1677 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.10 vs. CAC: 0.10 )
Ranked among companies with meaningful Equity to Asset only.
CAC' s Equity to Asset Range Over the Past 10 Years
Min: 0.06  Med: 0.09 Max: 0.11
Current: 0.1
0.06
0.11
Interest Coverage 2.52
CAC's Interest Coverage is ranked higher than
62% of the 1565 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.64 vs. CAC: 2.52 )
Ranked among companies with meaningful Interest Coverage only.
CAC' s Interest Coverage Range Over the Past 10 Years
Min: 0.36  Med: 1.42 Max: 2.97
Current: 2.52
0.36
2.97
F-Score: 3
M-Score: -2.10
WACC vs ROIC
4.05%
2.90%
WACC
ROIC
GuruFocus Profitability Rank ranks how profitable a company is and how likely the company’s business will stay that way. It is based on these factors:

1. Operating Margin
2. Trend of the Operating Margin (5-year average). The company with an uptrend profit margin has a higher rank.
••3. Consistency of the profitability
4. Piotroski F-Score
5. Predictability Rank•

The maximum rank is 10. A rank of 7 or higher means a higher profitability and may stay that way. A rank of 3 or lower indicates that the company has had trouble to make a profit.

Profitability Rank is not directly related to the Financial Strength Rank. But if a company is consistently profitable, its financial strength will be stronger.

Profitability & Growth : 6/10

vs
industry
vs
history
Operating margin (%) 27.85
CAC's Operating margin (%) is ranked lower than
59% of the 1693 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 31.14 vs. CAC: 27.85 )
Ranked among companies with meaningful Operating margin (%) only.
CAC' s Operating margin (%) Range Over the Past 10 Years
Min: 27.08  Med: 35.86 Max: 45.96
Current: 27.85
27.08
45.96
Net-margin (%) 19.06
CAC's Net-margin (%) is ranked lower than
63% of the 1694 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 22.52 vs. CAC: 19.06 )
Ranked among companies with meaningful Net-margin (%) only.
CAC' s Net-margin (%) Range Over the Past 10 Years
Min: 18.39  Med: 24.53 Max: 32.44
Current: 19.06
18.39
32.44
ROE (%) 7.85
CAC's ROE (%) is ranked lower than
54% of the 1689 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.37 vs. CAC: 7.85 )
Ranked among companies with meaningful ROE (%) only.
CAC' s ROE (%) Range Over the Past 10 Years
Min: 6.87  Med: 11.51 Max: 17.85
Current: 7.85
6.87
17.85
ROA (%) 0.74
CAC's ROA (%) is ranked lower than
60% of the 1698 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.89 vs. CAC: 0.74 )
Ranked among companies with meaningful ROA (%) only.
CAC' s ROA (%) Range Over the Past 10 Years
Min: 0.64  Med: 0.98 Max: 1.18
Current: 0.74
0.64
1.18
Revenue Growth (3Y)(%) 3.70
CAC's Revenue Growth (3Y)(%) is ranked higher than
56% of the 1391 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.70 vs. CAC: 3.70 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
CAC' s Revenue Growth (3Y)(%) Range Over the Past 10 Years
Min: -22.2  Med: 6.60 Max: 47.2
Current: 3.7
-22.2
47.2
EBITDA Growth (3Y)(%) -5.00
CAC's EBITDA Growth (3Y)(%) is ranked lower than
77% of the 1291 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.90 vs. CAC: -5.00 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
CAC' s EBITDA Growth (3Y)(%) Range Over the Past 10 Years
Min: -25.2  Med: 3.10 Max: 21
Current: -5
-25.2
21
EPS Growth (3Y)(%) -5.30
CAC's EPS Growth (3Y)(%) is ranked lower than
79% of the 1270 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.40 vs. CAC: -5.30 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
CAC' s EPS Growth (3Y)(%) Range Over the Past 10 Years
Min: -28.5  Med: 1.50 Max: 19.6
Current: -5.3
-28.5
19.6
» CAC's 10-Y Financials

Financials


Revenue & Net Income
Equity & Asset
Oprt. Cash Flow & Free Cash Flow
Oprt. Cash Flow & Net Income

» Details

Guru Trades

Q2 2015

CAC Guru Trades in Q2 2015

Jim Simons 84,116 sh (+63.65%)
Scott Black 11,957 sh (+6.22%)
Chuck Royce 610,698 sh (unchged)
» More
Q3 2015

CAC Guru Trades in Q3 2015

Jim Simons 103,900 sh (+23.52%)
Scott Black 11,957 sh (unchged)
Chuck Royce 610,698 sh (unchged)
» More
Q4 2015

CAC Guru Trades in Q4 2015

Jim Simons 158,200 sh (+52.26%)
Scott Black 14,767 sh (+23.50%)
Chuck Royce 710,007 sh (+16.26%)
» More
Q1 2016

CAC Guru Trades in Q1 2016

Chuck Royce 853,359 sh (+20.19%)
Scott Black 16,902 sh (+14.46%)
Jim Simons 161,200 sh (+1.90%)
» More
» Details

Insider Trades

Latest Guru Trades with CAC

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Business Description

Industry: Banks » Banks - Regional - US
Compare:NAS:HFWA, NAS:GSBC, NAS:COBZ, NAS:BDGE, NAS:BMTC, NAS:GABC » details
Camden National Corp is a bank holding company. The Company attracts deposits from the general public and use those funds to originate a variety of commercial and consumer loans.

Camden National Corp is a bank holding company. It provides diversified financial services. The business of the Company and its subsidiaries is to attract deposits from, and to extend loans to, consumer, institutional, municipal, non-profit and commercial customers. It offers commercial and consumer banking products and services through its subsidiary, Camden National Bank, and brokerage and insurance services through Camden Financial Consultants, a division of the Bank. It also offers investment management and fiduciary services through its subsidiary, Acadia Trust, N.A., a federally-regulated, non-depository trust company headquartered in Portland, Maine. The competitors in the Company's primary market area include local branches of regional bank affiliates and brokerage houses, as well as local independent banks, financial advisors, thrift institutions and credit unions. Other competitors for deposits and loans within the Bank's primary market area include insurance companies, money market funds, consumer finance companies and financing affiliates of consumer durable goods manufacturers. The Company is subject to regulation, supervision and examination by the Board of Governors of the Federal Reserve System under the Bank Holding Company Act of 1956, as amended.

Ratios

vs
industry
vs
history
P/E(ttm) 15.35
CAC's P/E(ttm) is ranked lower than
64% of the 1632 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.48 vs. CAC: 15.35 )
Ranked among companies with meaningful P/E(ttm) only.
CAC' s P/E(ttm) Range Over the Past 10 Years
Min: 7.28  Med: 11.89 Max: 23.62
Current: 15.35
7.28
23.62
PE(NRI) 15.35
CAC's PE(NRI) is ranked lower than
64% of the 1590 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.53 vs. CAC: 15.35 )
Ranked among companies with meaningful PE(NRI) only.
CAC' s PE(NRI) Range Over the Past 10 Years
Min: 7.27  Med: 11.87 Max: 23.53
Current: 15.35
7.27
23.53
Price/Owner Earnings (ttm) 21.24
CAC's Price/Owner Earnings (ttm) is ranked lower than
83% of the 871 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.93 vs. CAC: 21.24 )
Ranked among companies with meaningful Price/Owner Earnings (ttm) only.
CAC' s Price/Owner Earnings (ttm) Range Over the Past 10 Years
Min: 5.44  Med: 12.07 Max: 50.58
Current: 21.24
5.44
50.58
P/B 1.20
CAC's P/B is ranked lower than
61% of the 1697 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.03 vs. CAC: 1.20 )
Ranked among companies with meaningful P/B only.
CAC' s P/B Range Over the Past 10 Years
Min: 0.72  Med: 1.25 Max: 3.06
Current: 1.2
0.72
3.06
P/S 2.82
CAC's P/S is ranked higher than
52% of the 1697 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.92 vs. CAC: 2.82 )
Ranked among companies with meaningful P/S only.
CAC' s P/S Range Over the Past 10 Years
Min: 1.68  Med: 2.87 Max: 5.05
Current: 2.82
1.68
5.05
PFCF 37.97
CAC's PFCF is ranked lower than
92% of the 907 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9.99 vs. CAC: 37.97 )
Ranked among companies with meaningful PFCF only.
CAC' s PFCF Range Over the Past 10 Years
Min: 4.4  Med: 10.20 Max: 38.57
Current: 37.97
4.4
38.57
POCF 28.11
CAC's POCF is ranked lower than
92% of the 1010 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.81 vs. CAC: 28.11 )
Ranked among companies with meaningful POCF only.
CAC' s POCF Range Over the Past 10 Years
Min: 4.26  Med: 9.56 Max: 28.58
Current: 28.11
4.26
28.58
EV-to-EBIT 29.76
CAC's EV-to-EBIT is ranked lower than
85% of the 1568 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.90 vs. CAC: 29.76 )
Ranked among companies with meaningful EV-to-EBIT only.
CAC' s EV-to-EBIT Range Over the Past 10 Years
Min: 9.1  Med: 21.70 Max: 47.1
Current: 29.76
9.1
47.1
EV-to-EBITDA 25.51
CAC's EV-to-EBITDA is ranked lower than
85% of the 1571 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.75 vs. CAC: 25.51 )
Ranked among companies with meaningful EV-to-EBITDA only.
CAC' s EV-to-EBITDA Range Over the Past 10 Years
Min: 7.8  Med: 19.70 Max: 39.6
Current: 25.51
7.8
39.6
Shiller P/E 13.44
CAC's Shiller P/E is ranked higher than
71% of the 503 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 16.88 vs. CAC: 13.44 )
Ranked among companies with meaningful Shiller P/E only.
CAC' s Shiller P/E Range Over the Past 10 Years
Min: 6.24  Med: 11.86 Max: 20.5
Current: 13.44
6.24
20.5

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 2.79
CAC's Dividend Yield is ranked lower than
54% of the 2261 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.05 vs. CAC: 2.79 )
Ranked among companies with meaningful Dividend Yield only.
CAC' s Dividend Yield Range Over the Past 10 Years
Min: 1.84  Med: 2.89 Max: 6.21
Current: 2.79
1.84
6.21
Dividend Payout 0.45
CAC's Dividend Payout is ranked lower than
67% of the 1315 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.33 vs. CAC: 0.45 )
Ranked among companies with meaningful Dividend Payout only.
CAC' s Dividend Payout Range Over the Past 10 Years
Min: 0.19  Med: 0.33 Max: 1.77
Current: 0.45
0.19
1.77
Dividend Growth (3y) 6.30
CAC's Dividend Growth (3y) is ranked lower than
54% of the 749 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.70 vs. CAC: 6.30 )
Ranked among companies with meaningful Dividend Growth (3y) only.
CAC' s Dividend Growth (3y) Range Over the Past 10 Years
Min: 0  Med: 4.60 Max: 75.3
Current: 6.3
0
75.3
Forward Dividend Yield 2.79
CAC's Forward Dividend Yield is ranked lower than
58% of the 2133 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.23 vs. CAC: 2.79 )
Ranked among companies with meaningful Forward Dividend Yield only.
N/A
Yield on cost (5-Year) 3.33
CAC's Yield on cost (5-Year) is ranked lower than
52% of the 2524 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.53 vs. CAC: 3.33 )
Ranked among companies with meaningful Yield on cost (5-Year) only.
CAC' s Yield on cost (5-Year) Range Over the Past 10 Years
Min: 2.19  Med: 3.43 Max: 7.38
Current: 3.33
2.19
7.38
3-Year Average Share Buyback Ratio -10.30
CAC's 3-Year Average Share Buyback Ratio is ranked lower than
76% of the 1070 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -1.90 vs. CAC: -10.30 )
Ranked among companies with meaningful 3-Year Average Share Buyback Ratio only.
CAC' s 3-Year Average Share Buyback Ratio Range Over the Past 10 Years
Min: -49.1  Med: -0.10 Max: 5.2
Current: -10.3
-49.1
5.2

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.62
CAC's Price/Tangible Book is ranked lower than
75% of the 1698 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.10 vs. CAC: 1.62 )
Ranked among companies with meaningful Price/Tangible Book only.
CAC' s Price/Tangible Book Range Over the Past 10 Years
Min: 1.18  Med: 1.74 Max: 3
Current: 1.62
1.18
3
Price/Projected FCF 0.78
CAC's Price/Projected FCF is ranked lower than
64% of the 897 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.65 vs. CAC: 0.78 )
Ranked among companies with meaningful Price/Projected FCF only.
CAC' s Price/Projected FCF Range Over the Past 10 Years
Min: 0.48  Med: 0.69 Max: 1.4
Current: 0.78
0.48
1.4
Price/Median PS Value 1.00
CAC's Price/Median PS Value is ranked higher than
54% of the 1617 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.00 vs. CAC: 1.00 )
Ranked among companies with meaningful Price/Median PS Value only.
CAC' s Price/Median PS Value Range Over the Past 10 Years
Min: 0.61  Med: 1.02 Max: 1.75
Current: 1
0.61
1.75
Price/Graham Number 1.05
CAC's Price/Graham Number is ranked lower than
70% of the 1517 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.83 vs. CAC: 1.05 )
Ranked among companies with meaningful Price/Graham Number only.
CAC' s Price/Graham Number Range Over the Past 10 Years
Min: 0.64  Med: 1.02 Max: 1.56
Current: 1.05
0.64
1.56
Earnings Yield (Greenblatt) (%) 3.38
CAC's Earnings Yield (Greenblatt) (%) is ranked lower than
77% of the 1722 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.12 vs. CAC: 3.38 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
CAC' s Earnings Yield (Greenblatt) (%) Range Over the Past 10 Years
Min: 2.1  Med: 4.60 Max: 10.9
Current: 3.38
2.1
10.9
Forward Rate of Return (Yacktman) (%) 7.45
CAC's Forward Rate of Return (Yacktman) (%) is ranked lower than
65% of the 861 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.71 vs. CAC: 7.45 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) (%) only.
CAC' s Forward Rate of Return (Yacktman) (%) Range Over the Past 10 Years
Min: 3  Med: 15.70 Max: 20.7
Current: 7.45
3
20.7

More Statistics

Revenue (TTM) (Mil) $124.2
EPS (TTM) $ 2.80
Beta0.74
Short Percentage of Float3.44%
52-Week Range $37.23 - 47.49
Shares Outstanding (Mil)10.27
» More Articles for CAC

Headlines

Articles On GuruFocus.com
Chuck Royce's Top Buys During the 4th Quarter Feb 04 2016 
Financial Services – Some Fly in Challenged Sector Aug 09 2013 
4 Stocks Raising Dividends and Expectations Apr 01 2013 
My Three Favorite Stocks With Recent Dividend Growth Mar 31 2013 
Camden National Corp Reports Operating Results (10-K) Mar 02 2011 
Camden National Corp Reports Operating Results (10-Q) Nov 05 2010 
Camden National Corp Reports Operating Results (10-Q) Aug 06 2010 
Camden National Corp Reports Operating Results (10-Q) Oct 30 2009 
Camden National Corp Reports Operating Results (10-Q) Aug 07 2009 

More From Other Websites
CAMDEN NATIONAL CORP Financials May 13 2016
Camden National Corp. (Maine) breached its 50 day moving average in a Bearish Manner : CAC-US : May... May 09 2016
CAMDEN NATIONAL CORP Files SEC form 10-Q, Quarterly Report May 06 2016
CAMDEN NATIONAL CORP Files SEC form 8-K, Regulation FD Disclosure, Financial Statements and Exhibits May 05 2016
ETF’s with exposure to Camden National Corp. (Maine) : May 2, 2016 May 02 2016
Camden National Corp. (Maine) :CAC-US: Earnings Analysis: Q1, 2016 By the Numbers Apr 28 2016
CAMDEN NATIONAL CORP Files SEC form 8-K, Submission of Matters to a Vote of Security Holders Apr 28 2016
Edited Transcript of CAC earnings conference call or presentation 26-Apr-16 5:00pm GMT Apr 26 2016
Camden National posts 1Q profit Apr 26 2016
Camden National posts 1Q profit Apr 26 2016
Camden National Corporation Reports First Quarter 2016 Increase In Core Operating Earnings Of 14% Apr 26 2016
Camden National Corporation Reports First Quarter 2016 Increase In Core Operating Earnings Of 14% Apr 26 2016
CAMDEN NATIONAL CORP Files SEC form 8-K, Results of Operations and Financial Condition, Regulation... Apr 26 2016
Camden National Corporation to Announce First Quarter 2016 Financial Results on April 26, 2016 Apr 13 2016
Camden National Corporation to Announce First Quarter 2016 Financial Results on April 26, 2016 Apr 13 2016
Mary Beth Haut Named President and CEO of Acadia Trust, N.A. Apr 12 2016
Camden National Bank Unveils Redesigned Website Apr 06 2016
Camden National Bank Unveils Redesigned Website Apr 06 2016
Mary Beth Haut Named President and CEO of Acadia Trust, N.A. Apr 05 2016
Camden National Corporation's Board Declares Quarterly Dividend Mar 29 2016

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