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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 1613 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.09 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: 0.85
Current: 0.15
0.05
0.85
Equity-to-Asset 0.10
CAC's Equity-to-Asset is ranked higher than
51% of the 1580 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
Debt-to-Equity 1.58
CAC's Debt-to-Equity is ranked lower than
79% of the 1244 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.63 vs. CAC: 1.58 )
Ranked among companies with meaningful Debt-to-Equity only.
CAC' s Debt-to-Equity Range Over the Past 10 Years
Min: 0.28  Med: 2.2 Max: 4.7
Current: 1.58
0.28
4.7
Interest Coverage 3.36
CAC's Interest Coverage is ranked higher than
71% of the 1539 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.74 vs. CAC: 3.36 )
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: 3.36
0.36
3.48
Beneish M-Score: -3.02
WACC vs ROIC
3.59%
4.61%
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 % 39.91
CAC's Operating Margin % is ranked higher than
67% of the 1618 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 31.66 vs. CAC: 39.91 )
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: 39.91
27.08
45.96
Net Margin % 27.58
CAC's Net Margin % is ranked higher than
63% of the 1619 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 22.82 vs. CAC: 27.58 )
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: 27.58
18.39
32.44
ROE % 10.62
CAC's ROE % is ranked higher than
65% of the 1619 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.56 vs. CAC: 10.62 )
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: 10.62
6.87
17.85
ROA % 1.07
CAC's ROA % is ranked higher than
63% of the 1624 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.91 vs. CAC: 1.07 )
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: 1.07
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 1364 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 1281 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.90 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
57% of the 1241 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.60 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 3 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 30-Y Financials

Financials (Next Earnings Date: 2017-10-25 Est.)


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

» Details

Guru Trades

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
Q1 2017

CAC Guru Trades in Q1 2017

Jim Simons 354,449 sh (+7.83%)
Scott Black Sold Out
Chuck Royce 756,951 sh (-16.26%)
» More
Q2 2017

CAC Guru Trades in Q2 2017

Jim Simons 396,149 sh (+11.76%)
Chuck Royce 692,974 sh (-8.45%)
» More
» Details

Insider Trades

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Business Description

Industry: Banks » Banks - Regional - US    NAICS: 522110    SIC: 6021
Compare:NAS:BDGE, NAS:PSTB, NAS:TSC, NAS:TBK, NAS:CUNB, NYSE:BY, NAS:LION, NAS:PEBO, NAS:FFWM, NAS:HBNC, NAS:XBKS, NAS:VBTX, NAS:MSBI, NAS:PGC, NAS:QCRH, NAS:NCOM, NAS:FLIC, NAS:NCBS, NAS:PCBK, NAS:CARO » details
Headquarter Location:USA
Camden National Corporation provides banking services and products to individuals and commercial customers. Its services also comprise treasury and investment banking solutions.

Camden National Corporation is a banking solutions provider in the United States. Its core business is providing commercial banking products to individuals and corporates through its subsidiary, Camden National Bank. Its consumer and commercial banking services entail services such as loans and deposits, savings and online banking, treasury management solutions and non-profit products to consumer, institutional, municipal, non-profit and commercial customers. The company also offers investment management and fiduciary services through its subsidiary, Acadia Trust, N.A. In addition, it offers various other services which include lending to dentists, optometrists and veterinarians across the United States, through its subsidiary, Healthcare Professional Funding Corporation.

Ratios

vs
industry
vs
history
PE Ratio 15.21
CAC's PE Ratio is ranked lower than
58% of the 1505 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.59 vs. CAC: 15.21 )
Ranked among companies with meaningful PE Ratio only.
CAC' s PE Ratio Range Over the Past 10 Years
Min: 7.3  Med: 11.89 Max: 23.69
Current: 15.21
7.3
23.69
PE Ratio without NRI 15.21
CAC's PE Ratio without NRI is ranked lower than
57% of the 1504 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.62 vs. CAC: 15.21 )
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: 11.89 Max: 23.76
Current: 15.21
7.32
23.76
Price-to-Owner-Earnings 11.50
CAC's Price-to-Owner-Earnings is ranked higher than
62% of the 881 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.23 vs. CAC: 11.50 )
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: 11.9 Max: 53.02
Current: 11.5
5.56
53.02
PB Ratio 1.55
CAC's PB Ratio is ranked lower than
75% of the 1581 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.20 vs. CAC: 1.55 )
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: 3.01
Current: 1.55
0.71
3.01
PS Ratio 4.19
CAC's PS Ratio is ranked lower than
66% of the 1567 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.43 vs. CAC: 4.19 )
Ranked among companies with meaningful PS Ratio only.
CAC' s PS Ratio Range Over the Past 10 Years
Min: 1.68  Med: 2.89 Max: 5.04
Current: 4.19
1.68
5.04
Price-to-Free-Cash-Flow 8.86
CAC's Price-to-Free-Cash-Flow is ranked higher than
62% of the 856 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.60 vs. CAC: 8.86 )
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: 9.99 Max: 33.03
Current: 8.86
4.4
33.03
Price-to-Operating-Cash-Flow 8.59
CAC's Price-to-Operating-Cash-Flow is ranked higher than
59% of the 931 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 10.46 vs. CAC: 8.59 )
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: 9.26 Max: 27.48
Current: 8.59
4.26
27.48
EV-to-EBIT 19.41
CAC's EV-to-EBIT is ranked lower than
71% of the 1241 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.20 vs. CAC: 19.41 )
Ranked among companies with meaningful EV-to-EBIT only.
CAC' s EV-to-EBIT Range Over the Past 10 Years
Min: 9.1  Med: 21.8 Max: 47.1
Current: 19.41
9.1
47.1
EV-to-EBITDA 17.76
CAC's EV-to-EBITDA is ranked lower than
72% of the 1244 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 10.98 vs. CAC: 17.76 )
Ranked among companies with meaningful EV-to-EBITDA only.
CAC' s EV-to-EBITDA Range Over the Past 10 Years
Min: 7.8  Med: 19.7 Max: 39.6
Current: 17.76
7.8
39.6
EV-to-Revenue 7.77
CAC's EV-to-Revenue is ranked lower than
79% of the 1284 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.86 vs. CAC: 7.77 )
Ranked among companies with meaningful EV-to-Revenue only.
CAC' s EV-to-Revenue Range Over the Past 10 Years
Min: 2.9  Med: 7.8 Max: 13.7
Current: 7.77
2.9
13.7
PEG Ratio 10.64
CAC's PEG Ratio is ranked lower than
95% of the 821 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.45 vs. CAC: 10.64 )
Ranked among companies with meaningful PEG Ratio only.
CAC' s PEG Ratio Range Over the Past 10 Years
Min: 1  Med: 1.94 Max: 133.5
Current: 10.64
1
133.5
Shiller PE Ratio 18.52
CAC's Shiller PE Ratio is ranked higher than
55% of the 501 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 20.54 vs. CAC: 18.52 )
Ranked among companies with meaningful Shiller PE Ratio only.
CAC' s Shiller PE Ratio Range Over the Past 10 Years
Min: 6.27  Med: 12.11 Max: 20.7
Current: 18.52
6.27
20.7

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield % 2.17
CAC's Dividend Yield % is ranked lower than
64% of the 2354 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.88 vs. CAC: 2.17 )
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: 2.17
1.79
6.23
Dividend Payout Ratio 0.32
CAC's Dividend Payout Ratio is ranked higher than
53% of the 1340 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.32 vs. CAC: 0.32 )
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: 0.32
0.29
0.46
3-Year Dividend Growth Rate 4.20
CAC's 3-Year Dividend Growth Rate is ranked lower than
61% of the 794 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.70 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 % 2.26
CAC's Forward Dividend Yield % is ranked lower than
67% of the 2231 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.85 vs. CAC: 2.26 )
Ranked among companies with meaningful Forward Dividend Yield % only.
N/A
5-Year Yield-on-Cost % 2.68
CAC's 5-Year Yield-on-Cost % is ranked lower than
63% of the 2778 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.98 vs. CAC: 2.68 )
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: 2.68
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 1065 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 2.07
CAC's Price-to-Tangible-Book is ranked lower than
84% of the 1573 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.29 vs. CAC: 2.07 )
Ranked among companies with meaningful Price-to-Tangible-Book only.
CAC' s Price-to-Tangible-Book Range Over the Past 10 Years
Min: 1.18  Med: 1.74 Max: 3
Current: 2.07
1.18
3
Price-to-Intrinsic-Value-Projected-FCF 0.97
CAC's Price-to-Intrinsic-Value-Projected-FCF is ranked lower than
71% of the 896 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.79 vs. CAC: 0.97 )
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: 0.48  Med: 0.75 Max: 1.27
Current: 0.97
0.48
1.27
Price-to-Intrinsic-Value-DCF (Earnings Based) 1.42
CAC's Price-to-Intrinsic-Value-DCF (Earnings Based) is ranked lower than
83% of the 147 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.88 vs. CAC: 1.42 )
Ranked among companies with meaningful Price-to-Intrinsic-Value-DCF (Earnings Based) only.
CAC' s Price-to-Intrinsic-Value-DCF (Earnings Based) Range Over the Past 10 Years
Min: 0.46  Med: 1.05 Max: 1.62
Current: 1.42
0.46
1.62
Price-to-Median-PS-Value 1.44
CAC's Price-to-Median-PS-Value is ranked lower than
80% of the 1527 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.13 vs. CAC: 1.44 )
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: 0.7  Med: 1.07 Max: 1.74
Current: 1.44
0.7
1.74
Price-to-Graham-Number 1.18
CAC's Price-to-Graham-Number is ranked lower than
73% of the 1414 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.95 vs. CAC: 1.18 )
Ranked among companies with meaningful Price-to-Graham-Number only.
CAC' s Price-to-Graham-Number Range Over the Past 10 Years
Min: 0.64  Med: 1.02 Max: 1.56
Current: 1.18
0.64
1.56
Earnings Yield (Greenblatt) % 5.15
CAC's Earnings Yield (Greenblatt) % is ranked lower than
54% of the 1625 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.91 vs. CAC: 5.15 )
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: 5.15
2.1
10.9
Forward Rate of Return (Yacktman) % 10.23
CAC's Forward Rate of Return (Yacktman) % is ranked lower than
59% of the 934 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.21 vs. CAC: 10.23 )
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: 3.1  Med: 12.7 Max: 19.6
Current: 10.23
3.1
19.6

More Statistics

Revenue (TTM) (Mil) $152.71
EPS (TTM) $ 2.69
Beta0.49
Short Percentage of Float3.21%
52-Week Range $29.49 - 45.43
Shares Outstanding (Mil)15.51
» More Articles for CAC

Headlines

Articles On GuruFocus.com
Camden National Corporation to Announce Second Quarter 2017 Financial Results on July 25, 2017 Jul 10 2017 
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 

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