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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 0.10
CAC's Cash to Debt is ranked lower than
92% of the 973 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.48 vs. CAC: 0.10 )
Ranked among companies with meaningful Cash to Debt only.
CAC' s 10-Year Cash to Debt Range
Min: 0.05  Med: 0.11 Max: N/A
Current: 0.1
Equity to Asset 0.09
CAC's Equity to Asset is ranked lower than
57% of the 1290 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.10 vs. CAC: 0.09 )
Ranked among companies with meaningful Equity to Asset only.
CAC' s 10-Year Equity to Asset Range
Min: 0.06  Med: 0.09 Max: 0.11
Current: 0.09
0.06
0.11
Interest Coverage 2.97
CAC's Interest Coverage is ranked higher than
67% of the 1205 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.69 vs. CAC: 2.97 )
Ranked among companies with meaningful Interest Coverage only.
CAC' s 10-Year Interest Coverage Range
Min: 0.36  Med: 0.82 Max: 9999.99
Current: 2.97
0.36
9999.99
F-Score: 6
WACC vs ROIC
6.72%
3.48%
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 : 7/10

vs
industry
vs
history
Operating margin (%) 35.12
CAC's Operating margin (%) is ranked higher than
65% of the 1357 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 29.54 vs. CAC: 35.12 )
Ranked among companies with meaningful Operating margin (%) only.
CAC' s 10-Year Operating margin (%) Range
Min: 28.8  Med: 39.03 Max: 48.36
Current: 35.12
28.8
48.36
Net-margin (%) 23.96
CAC's Net-margin (%) is ranked higher than
60% of the 1356 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 21.24 vs. CAC: 23.96 )
Ranked among companies with meaningful Net-margin (%) only.
CAC' s 10-Year Net-margin (%) Range
Min: 21.32  Med: 26.92 Max: 190.99
Current: 23.96
21.32
190.99
ROE (%) 10.14
CAC's ROE (%) is ranked higher than
65% of the 1355 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.13 vs. CAC: 10.14 )
Ranked among companies with meaningful ROE (%) only.
CAC' s 10-Year ROE (%) Range
Min: 9.8  Med: 15.48 Max: 17.85
Current: 10.14
9.8
17.85
ROA (%) 0.89
CAC's ROA (%) is ranked higher than
56% of the 1364 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.80 vs. CAC: 0.89 )
Ranked among companies with meaningful ROA (%) only.
CAC' s 10-Year ROA (%) Range
Min: 0.76  Med: 1.17 Max: 1.97
Current: 0.89
0.76
1.97
ROC (Joel Greenblatt) (%) 51.37
CAC's ROC (Joel Greenblatt) (%) is ranked lower than
62% of the 1348 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 74.52 vs. CAC: 51.37 )
Ranked among companies with meaningful ROC (Joel Greenblatt) (%) only.
CAC' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: 11.28  Med: 22.55 Max: 154.44
Current: 51.37
11.28
154.44
Revenue Growth (3Y)(%) 1.70
CAC's Revenue Growth (3Y)(%) is ranked higher than
50% of the 1149 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.70 vs. CAC: 1.70 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
CAC' s 10-Year Revenue Growth (3Y)(%) Range
Min: 0  Med: 3.40 Max: 47.2
Current: 1.7
0
47.2
EBITDA Growth (3Y)(%) -0.70
CAC's EBITDA Growth (3Y)(%) is ranked lower than
71% of the 1011 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.10 vs. CAC: -0.70 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
CAC' s 10-Year EBITDA Growth (3Y)(%) Range
Min: 0  Med: 0.20 Max: 20.9
Current: -0.7
0
20.9
EPS Growth (3Y)(%) -1.20
CAC's EPS Growth (3Y)(%) is ranked lower than
73% of the 1020 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9.20 vs. CAC: -1.20 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
CAC' s 10-Year EPS Growth (3Y)(%) Range
Min: -28.5  Med: 7.05 Max: 19.6
Current: -1.2
-28.5
19.6
» CAC's 10-Y Financials

Financials


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

» Details

Guru Trades

Q2 2014

CAC Guru Trades in Q2 2014

Chuck Royce 614,023 sh (+4.14%)
Jim Simons 49,700 sh (-10.29%)
» More
Q3 2014

CAC Guru Trades in Q3 2014

Chuck Royce 614,023 sh (unchged)
Jim Simons 47,000 sh (-5.43%)
» More
Q4 2014

CAC Guru Trades in Q4 2014

Jim Simons 52,166 sh (+10.99%)
Chuck Royce 614,023 sh (unchged)
Chuck Royce 614,023 sh (unchged)
» More
Q1 2015

CAC Guru Trades in Q1 2015

Scott Black 11,257 sh (New)
Chuck Royce 610,698 sh (-0.54%)
Jim Simons 51,400 sh (-1.47%)
» More
» Details

Insider Trades

Latest Guru Trades with CAC

(List those with share number changes of more than 20%, or impact to portfolio more than 0.1%)

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Ratios

vs
industry
vs
history
P/E(ttm) 11.77
CAC's P/E(ttm) is ranked higher than
66% of the 1244 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.30 vs. CAC: 11.77 )
Ranked among companies with meaningful P/E(ttm) only.
CAC' s 10-Year P/E(ttm) Range
Min: 7.28  Med: 11.90 Max: 23.62
Current: 11.77
7.28
23.62
Forward P/E 10.78
CAC's Forward P/E is ranked higher than
65% of the 750 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.38 vs. CAC: 10.78 )
Ranked among companies with meaningful Forward P/E only.
N/A
PE(NRI) 11.80
CAC's PE(NRI) is ranked higher than
66% of the 1217 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.30 vs. CAC: 11.80 )
Ranked among companies with meaningful PE(NRI) only.
CAC' s 10-Year PE(NRI) Range
Min: 7.27  Med: 11.89 Max: 23.53
Current: 11.8
7.27
23.53
P/B 1.14
CAC's P/B is ranked lower than
53% of the 1351 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.12 vs. CAC: 1.14 )
Ranked among companies with meaningful P/B only.
CAC' s 10-Year P/B Range
Min: 0.72  Med: 1.30 Max: 3.48
Current: 1.14
0.72
3.48
P/S 2.83
CAC's P/S is ranked higher than
54% of the 1422 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.99 vs. CAC: 2.83 )
Ranked among companies with meaningful P/S only.
CAC' s 10-Year P/S Range
Min: 1.68  Med: 2.92 Max: 6.46
Current: 2.83
1.68
6.46
PFCF 9.61
CAC's PFCF is ranked higher than
58% of the 825 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.60 vs. CAC: 9.61 )
Ranked among companies with meaningful PFCF only.
CAC' s 10-Year PFCF Range
Min: 4.4  Med: 10.15 Max: 30.17
Current: 9.61
4.4
30.17
POCF 9.20
CAC's POCF is ranked higher than
56% of the 930 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 10.17 vs. CAC: 9.20 )
Ranked among companies with meaningful POCF only.
CAC' s 10-Year POCF Range
Min: 4.26  Med: 9.51 Max: 27.56
Current: 9.2
4.26
27.56
EV-to-EBIT 21.84
CAC's EV-to-EBIT is ranked lower than
72% of the 1366 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.30 vs. CAC: 21.84 )
Ranked among companies with meaningful EV-to-EBIT only.
CAC' s 10-Year EV-to-EBIT Range
Min: 9.1  Med: 21.40 Max: 47.1
Current: 21.84
9.1
47.1
PEG 9.08
CAC's PEG is ranked lower than
94% of the 542 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.12 vs. CAC: 9.08 )
Ranked among companies with meaningful PEG only.
CAC' s 10-Year PEG Range
Min: 0.46  Med: 1.47 Max: 48
Current: 9.08
0.46
48
Shiller P/E 11.82
CAC's Shiller P/E is ranked higher than
78% of the 771 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 17.62 vs. CAC: 11.82 )
Ranked among companies with meaningful Shiller P/E only.
CAC' s 10-Year Shiller P/E Range
Min: 5.63  Med: 11.69 Max: 19.07
Current: 11.82
5.63
19.07
Days Sales Outstanding 23.08
CAC's Days Sales Outstanding is ranked higher than
75% of the 770 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 35.19 vs. CAC: 23.08 )
Ranked among companies with meaningful Days Sales Outstanding only.
CAC' s 10-Year Days Sales Outstanding Range
Min: 8.33  Med: 37.52 Max: 336.74
Current: 23.08
8.33
336.74

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 2.94
CAC's Dividend Yield is ranked higher than
58% of the 2112 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.57 vs. CAC: 2.94 )
Ranked among companies with meaningful Dividend Yield only.
CAC' s 10-Year Dividend Yield Range
Min: 1.84  Med: 2.87 Max: 6.21
Current: 2.94
1.84
6.21
Dividend Payout 0.34
CAC's Dividend Payout is ranked lower than
52% of the 1248 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.24 vs. CAC: 0.34 )
Ranked among companies with meaningful Dividend Payout only.
CAC' s 10-Year Dividend Payout Range
Min: 0.19  Med: 0.32 Max: 1.3
Current: 0.34
0.19
1.3
Dividend growth (3y) 2.60
CAC's Dividend growth (3y) is ranked lower than
67% of the 640 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.20 vs. CAC: 2.60 )
Ranked among companies with meaningful Dividend growth (3y) only.
CAC' s 10-Year Dividend growth (3y) Range
Min: 0  Med: 4.50 Max: 75.3
Current: 2.6
0
75.3
Yield on cost (5-Year) 3.18
CAC's Yield on cost (5-Year) is ranked higher than
56% of the 2110 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.91 vs. CAC: 3.18 )
Ranked among companies with meaningful Yield on cost (5-Year) only.
CAC' s 10-Year Yield on cost (5-Year) Range
Min: 1.99  Med: 3.11 Max: 6.72
Current: 3.18
1.99
6.72
Share Buyback Rate 0.90
CAC's Share Buyback Rate is ranked higher than
82% of the 931 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -1.50 vs. CAC: 0.90 )
Ranked among companies with meaningful Share Buyback Rate only.
CAC' s 10-Year Share Buyback Rate Range
Min: 5.2  Med: 0.05 Max: -51.1
Current: 0.9

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.41
CAC's Price/Tangible Book is ranked lower than
62% of the 1331 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.18 vs. CAC: 1.41 )
Ranked among companies with meaningful Price/Tangible Book only.
CAC' s 10-Year Price/Tangible Book Range
Min: 1.18  Med: 1.77 Max: 3.31
Current: 1.41
1.18
3.31
Price/Projected FCF 0.58
CAC's Price/Projected FCF is ranked higher than
62% of the 775 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.68 vs. CAC: 0.58 )
Ranked among companies with meaningful Price/Projected FCF only.
CAC' s 10-Year Price/Projected FCF Range
Min: 0.48  Med: 0.73 Max: 1.27
Current: 0.58
0.48
1.27
Price/Median PS Value 0.97
CAC's Price/Median PS Value is ranked higher than
72% of the 1286 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.11 vs. CAC: 0.97 )
Ranked among companies with meaningful Price/Median PS Value only.
CAC' s 10-Year Price/Median PS Value Range
Min: 0.69  Med: 1.06 Max: 2.31
Current: 0.97
0.69
2.31
Price/Graham Number 0.86
CAC's Price/Graham Number is ranked higher than
54% of the 1154 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.88 vs. CAC: 0.86 )
Ranked among companies with meaningful Price/Graham Number only.
CAC' s 10-Year Price/Graham Number Range
Min: 0.64  Med: 0.98 Max: 1.62
Current: 0.86
0.64
1.62
Earnings Yield (Greenblatt) (%) 4.59
CAC's Earnings Yield (Greenblatt) (%) is ranked lower than
64% of the 1364 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.40 vs. CAC: 4.59 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
CAC' s 10-Year Earnings Yield (Greenblatt) (%) Range
Min: 2.1  Med: 4.70 Max: 10.9
Current: 4.59
2.1
10.9
Forward Rate of Return (Yacktman) (%) 10.63
CAC's Forward Rate of Return (Yacktman) (%) is ranked lower than
57% of the 770 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.43 vs. CAC: 10.63 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) (%) only.
CAC' s 10-Year Forward Rate of Return (Yacktman) (%) Range
Min: 4.3  Med: 16.20 Max: 29
Current: 10.63
4.3
29

Business Description

Industry: Banks » Banks - Regional - US
Compare:MTB, USB, PNC, PB, CFR » details
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.
» More Articles for CAC

Headlines

Articles On GuruFocus.com
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 
comment on CAC Apr 03 2012 
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 

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