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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 : 5/10

vs
industry
vs
history
Cash-to-Debt 0.15
CAC's Cash-to-Debt is ranked lower than
90% of the 1592 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.23 vs. CAC: 0.15 )
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: 0.21
Current: 0.15
0.05
0.21
Equity-to-Asset 0.10
CAC's Equity-to-Asset is ranked higher than
51% of the 1591 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 3.47
CAC's Interest Coverage is ranked higher than
70% of the 1515 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.69 vs. CAC: 3.47 )
Ranked among companies with meaningful Interest Coverage only.
CAC' s Interest Coverage Range Over the Past 10 Years
Min: 0.36  Med: 1.82 Max: 3.48
Current: 3.47
0.36
3.48
Beneish M-Score: -2.30
WACC vs ROIC
4.03%
4.36%
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 : 5/10

vs
industry
vs
history
Operating Margin % 37.67
CAC's Operating Margin % is ranked higher than
65% of the 1606 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 31.37 vs. CAC: 37.67 )
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: 37.67
27.08
45.96
Net Margin % 26.04
CAC's Net Margin % is ranked higher than
60% of the 1605 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 22.70 vs. CAC: 26.04 )
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: 26.04
18.39
32.44
ROE % 10.37
CAC's ROE % is ranked higher than
64% of the 1603 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.58 vs. CAC: 10.37 )
Ranked among companies with meaningful ROE % only.
CAC' s ROE % Range Over the Past 10 Years
Min: 6.87  Med: 10.64 Max: 17.85
Current: 10.37
6.87
17.85
ROA % 1.04
CAC's ROA % is ranked higher than
62% of the 1612 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.90 vs. CAC: 1.04 )
Ranked among companies with meaningful ROA % only.
CAC' s ROA % Range Over the Past 10 Years
Min: 0.64  Med: 0.98 Max: 1.16
Current: 1.04
0.64
1.16
3-Year Revenue Growth Rate 3.10
CAC's 3-Year Revenue Growth Rate is ranked lower than
56% of the 1354 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 4.20 vs. CAC: 3.10 )
Ranked among companies with meaningful 3-Year Revenue Growth Rate only.
CAC' s 3-Year Revenue Growth Rate Range Over the Past 10 Years
Min: 1.6  Med: 7.15 Max: 47.1
Current: 3.1
1.6
47.1
3-Year EBITDA Growth Rate 6.60
CAC's 3-Year EBITDA Growth Rate is ranked higher than
51% of the 1256 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.40 vs. CAC: 6.60 )
Ranked among companies with meaningful 3-Year EBITDA Growth Rate only.
CAC' s 3-Year EBITDA Growth Rate Range Over the Past 10 Years
Min: -10.9  Med: 4.9 Max: 20.5
Current: 6.6
-10.9
20.5
3-Year EPS without NRI Growth Rate 9.10
CAC's 3-Year EPS without NRI Growth Rate is ranked higher than
55% of the 1226 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.40 vs. CAC: 9.10 )
Ranked among companies with meaningful 3-Year EPS without NRI Growth Rate only.
CAC' s 3-Year EPS without NRI Growth Rate Range Over the Past 10 Years
Min: -28.5  Med: 7.05 Max: 19.5
Current: 9.1
-28.5
19.5
GuruFocus has detected 5 Warning Signs with Camden National Corp $CAC.
More than 500,000 people have already joined GuruFocus to track the stocks they follow and exchange investment ideas.
» CAC's 10-Y Financials

Financials (Next Earnings Date: 2017-04-25)


Revenue & Net Income
Equity & Asset
Operating Cash Flow & Free Cash Flow
Operating Cash Flow & Net Income

» Details

Guru Trades

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
Q2 2016

CAC Guru Trades in Q2 2016

Jim Simons 189,800 sh (+17.74%)
Chuck Royce 935,352 sh (+9.61%)
Scott Black 17,068 sh (+0.98%)
» More
Q3 2016

CAC Guru Trades in Q3 2016

Jim Simons 239,600 sh (+26.24%)
Chuck Royce 917,894 sh (-1.87%)
Scott Black 14,553 sh (-14.74%)
» More
Q4 2016

CAC Guru Trades in Q4 2016

Jim Simons 328,700 sh (-8.54%)
Chuck Royce 903,977 sh (-34.34%)
Scott Black 13,998 sh (-35.88%)
» More
» Details

Insider Trades

Latest Guru Trades with CAC

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Business Description

Industry: Banks » Banks - Regional - US    NAICS: 522110    SIC: 6021
Compare:NAS:BMTC, NAS:TSC, NAS:SGBK, NAS:GNBC, NAS:PSTB, NAS:BDGE, NAS:UVSP, NAS:OPB, NAS:FLIC, NAS:COBZ, NAS:CUNB, NAS:GSBC, NAS:GBNK, NAS:RBCAA, NAS:FBNC, NAS:GABC, NAS:HFWA, NAS:LION, NAS:CACB, NAS:TRST » details
Headquarter Location:USA
Camden National Corp is a bank holding company. The Company through its bank subsidiary, provides a broad range of financial services to individuals and companies in Maine.

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
PE Ratio 16.95
CAC's PE Ratio is ranked lower than
63% of the 1510 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.59 vs. CAC: 16.95 )
Ranked among companies with meaningful PE Ratio only.
CAC' s PE Ratio Range Over the Past 10 Years
Min: 7.3  Med: 11.88 Max: 23.69
Current: 16.95
7.3
23.69
PE Ratio without NRI 16.95
CAC's PE Ratio without NRI is ranked lower than
63% of the 1477 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.63 vs. CAC: 16.95 )
Ranked among companies with meaningful PE Ratio without NRI only.
CAC' s PE Ratio without NRI Range Over the Past 10 Years
Min: 7.32  Med: 11.88 Max: 23.76
Current: 16.95
7.32
23.76
Price-to-Owner-Earnings 12.31
CAC's Price-to-Owner-Earnings is ranked higher than
57% of the 882 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.21 vs. CAC: 12.31 )
Ranked among companies with meaningful Price-to-Owner-Earnings only.
CAC' s Price-to-Owner-Earnings Range Over the Past 10 Years
Min: 5.56  Med: 12.11 Max: 53.02
Current: 12.31
5.56
53.02
PB Ratio 1.70
CAC's PB Ratio is ranked lower than
78% of the 1611 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.20 vs. CAC: 1.70 )
Ranked among companies with meaningful PB Ratio only.
CAC' s PB Ratio Range Over the Past 10 Years
Min: 0.71  Med: 1.23 Max: 3.06
Current: 1.7
0.71
3.06
PS Ratio 4.37
CAC's PS Ratio is ranked lower than
69% of the 1586 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.40 vs. CAC: 4.37 )
Ranked among companies with meaningful PS Ratio only.
CAC' s PS Ratio Range Over the Past 10 Years
Min: 1.68  Med: 2.86 Max: 5.05
Current: 4.37
1.68
5.05
Price-to-Free-Cash-Flow 11.97
CAC's Price-to-Free-Cash-Flow is ranked higher than
50% of the 870 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.33 vs. CAC: 11.97 )
Ranked among companies with meaningful Price-to-Free-Cash-Flow only.
CAC' s Price-to-Free-Cash-Flow Range Over the Past 10 Years
Min: 4.4  Med: 10.2 Max: 38.53
Current: 11.97
4.4
38.53
Price-to-Operating-Cash-Flow 11.62
CAC's Price-to-Operating-Cash-Flow is ranked lower than
55% of the 940 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 10.82 vs. CAC: 11.62 )
Ranked among companies with meaningful Price-to-Operating-Cash-Flow only.
CAC' s Price-to-Operating-Cash-Flow Range Over the Past 10 Years
Min: 4.26  Med: 9.56 Max: 28.53
Current: 11.62
4.26
28.53
EV-to-EBIT 20.82
CAC's EV-to-EBIT is ranked lower than
74% of the 1668 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.52 vs. CAC: 20.82 )
Ranked among companies with meaningful EV-to-EBIT only.
CAC' s EV-to-EBIT Range Over the Past 10 Years
Min: 9.1  Med: 21.9 Max: 47.1
Current: 20.82
9.1
47.1
EV-to-EBITDA 18.75
CAC's EV-to-EBITDA is ranked lower than
75% of the 1685 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.29 vs. CAC: 18.75 )
Ranked among companies with meaningful EV-to-EBITDA only.
CAC' s EV-to-EBITDA Range Over the Past 10 Years
Min: 7.8  Med: 19.9 Max: 39.6
Current: 18.75
7.8
39.6
PEG Ratio 12.07
CAC's PEG Ratio is ranked lower than
96% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.43 vs. CAC: 12.07 )
Ranked among companies with meaningful PEG Ratio only.
CAC' s PEG Ratio Range Over the Past 10 Years
Min: 1.01  Med: 1.72 Max: 166.88
Current: 12.07
1.01
166.88
Shiller PE Ratio 19.70
CAC's Shiller PE Ratio is ranked higher than
52% of the 479 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 20.93 vs. CAC: 19.70 )
Ranked among companies with meaningful Shiller PE Ratio only.
CAC' s Shiller PE Ratio Range Over the Past 10 Years
Min: 6.31  Med: 12.05 Max: 20.64
Current: 19.7
6.31
20.64

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield % 2.00
CAC's Dividend Yield % is ranked lower than
68% of the 2319 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.69 vs. CAC: 2.00 )
Ranked among companies with meaningful Dividend Yield % only.
CAC' s Dividend Yield % Range Over the Past 10 Years
Min: 1.79  Med: 2.9 Max: 6.23
Current: 2
1.79
6.23
Dividend Payout Ratio 0.31
CAC's Dividend Payout Ratio is ranked higher than
54% of the 1315 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.33 vs. CAC: 0.31 )
Ranked among companies with meaningful Dividend Payout Ratio only.
CAC' s Dividend Payout Ratio Range Over the Past 10 Years
Min: 0.29  Med: 0.33 Max: 0.46
Current: 0.31
0.29
0.46
3-Year Dividend Growth Rate 4.20
CAC's 3-Year Dividend Growth Rate is ranked lower than
62% of the 768 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.20 vs. CAC: 4.20 )
Ranked among companies with meaningful 3-Year Dividend Growth Rate only.
CAC' s 3-Year Dividend Growth Rate Range Over the Past 10 Years
Min: 0  Med: 4.3 Max: 19.2
Current: 4.2
0
19.2
Forward Dividend Yield % 2.14
CAC's Forward Dividend Yield % is ranked lower than
69% of the 2248 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.73 vs. CAC: 2.14 )
Ranked among companies with meaningful Forward Dividend Yield % only.
N/A
5-Year Yield-on-Cost % 2.46
CAC's 5-Year Yield-on-Cost % is ranked lower than
66% of the 2649 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.31 vs. CAC: 2.46 )
Ranked among companies with meaningful 5-Year Yield-on-Cost % only.
CAC' s 5-Year Yield-on-Cost % Range Over the Past 10 Years
Min: 2.21  Med: 3.58 Max: 7.69
Current: 2.46
2.21
7.69
3-Year Average Share Buyback Ratio -10.80
CAC's 3-Year Average Share Buyback Ratio is ranked lower than
78% of the 1042 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -1.80 vs. CAC: -10.80 )
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: -0.3 Max: 5.2
Current: -10.8
-49.1
5.2

Valuation & Return

vs
industry
vs
history
Price-to-Tangible-Book 2.30
CAC's Price-to-Tangible-Book is ranked lower than
86% of the 1576 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.27 vs. CAC: 2.30 )
Ranked among companies with meaningful Price-to-Tangible-Book only.
CAC' s Price-to-Tangible-Book Range Over the Past 10 Years
Min: 1.38  Med: 1.74 Max: 3
Current: 2.3
1.38
3
Price-to-Intrinsic-Value-Projected-FCF 1.07
CAC's Price-to-Intrinsic-Value-Projected-FCF is ranked lower than
77% of the 869 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.78 vs. CAC: 1.07 )
Ranked among companies with meaningful Price-to-Intrinsic-Value-Projected-FCF only.
CAC' s Price-to-Intrinsic-Value-Projected-FCF Range Over the Past 10 Years
Min: 0.55  Med: 0.69 Max: 1.1
Current: 1.07
0.55
1.1
Price-to-Intrinsic-Value-DCF (Earnings Based) 1.58
CAC's Price-to-Intrinsic-Value-DCF (Earnings Based) is ranked lower than
90% of the 139 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.85 vs. CAC: 1.58 )
Ranked among companies with meaningful Price-to-Intrinsic-Value-DCF (Earnings Based) only.
N/A
Price-to-Median-PS-Value 1.53
CAC's Price-to-Median-PS-Value is ranked lower than
82% of the 1462 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.14 vs. CAC: 1.53 )
Ranked among companies with meaningful Price-to-Median-PS-Value only.
CAC' s Price-to-Median-PS-Value Range Over the Past 10 Years
Min: 0.84  Med: 1.04 Max: 1.76
Current: 1.53
0.84
1.76
Price-to-Graham-Number 1.31
CAC's Price-to-Graham-Number is ranked lower than
76% of the 1364 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.96 vs. CAC: 1.31 )
Ranked among companies with meaningful Price-to-Graham-Number only.
CAC' s Price-to-Graham-Number Range Over the Past 10 Years
Min: 0.72  Med: 1.02 Max: 1.45
Current: 1.31
0.72
1.45
Earnings Yield (Greenblatt) % 4.80
CAC's Earnings Yield (Greenblatt) % is ranked lower than
56% of the 2207 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.95 vs. CAC: 4.80 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) % only.
CAC' s Earnings Yield (Greenblatt) % Range Over the Past 10 Years
Min: 2.1  Med: 4.6 Max: 10.9
Current: 4.8
2.1
10.9
Forward Rate of Return (Yacktman) % 6.62
CAC's Forward Rate of Return (Yacktman) % is ranked lower than
65% of the 890 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.45 vs. CAC: 6.62 )
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: 13.4 Max: 19.6
Current: 6.62
3
19.6

More Statistics

Revenue (TTM) (Mil) $152.7
EPS (TTM) $ 2.54
Beta0.60
Short Percentage of Float2.72%
52-Week Range $26.93 - 45.43
Shares Outstanding (Mil)15.56
» More Articles for CAC

Headlines

Articles On GuruFocus.com
Camden National Corporation to Announce First Quarter 2017 Financial Results on April 25, 2017 Apr 10 2017 
Camden National Bank launches 15 minute mortgage application called MortgageTouch Apr 04 2017 
Camden National Corporation's Board Declares Quarterly Dividend Mar 31 2017 
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 

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