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Camden NationalCAC +1.64%56 Cash-to-Debt is 0.31 as of Jun. 2026, which is 23% below its 10-year median of 0.40. GuruFocus rates CAC with a GF Score™ of 56/100 and a GF Value™ of $49.92 (Modestly Overvalued). The stock has 5 warning signs investors should review. Among 1,490 Banks companies, Camden National ranks worse than 84.56% on this metric.
Cash to Debt Ratio measures the financial strength of a company. It is calculated as a company's cash, cash equivalents, and marketable securities divide by its debt. Camden National's cash to debt ratio for the quarter that ended in Jun. 2026 was 0.31.
If Cash to Debt ratio is less than 1, the company cannot pay off its debt using the cash in hand. Here we can see, Camden Nationalcouldn't pay off its debt using the cash in hand for the quarter that ended in Jun. 2026.
The historical rank and industry rank for Camden National's Cash-to-Debt or its related term are showing as below:
CAC'
s Cash-to-Debt Range Over the Past 10 Years
Min: 0.14 Med: 0.4 Max: 8.56
Current: 0.31
During the past 13 years, Camden National's highest Cash to Debt Ratio was 8.56. The lowest was 0.14. And the median was 0.40.
CAC's Cash-to-Debt is ranked worse than 84.56% of 1490
companies
in the Banks industry
Industry Median: 1.395
vs CAC: 0.31
Camden National (NAS:CAC) Cash-to-Debt Explanation
If Cash to Debt ratio is greater than 1, the company can pay off its debt using the cash in hand. If it is smaller than 1, it means the company has more debt than the cash in hands. In this case, it is important to look the the company's Interest Coverage. Ben Graham requires that a company must have an Interest Coverage of at least 5.
Camden National Cash-to-Debt Related Terms
Camden National Cash-to-Debt Historical Data
* Premium members only.
The historical data trend for Camden National's Cash-to-Debt can be seen below:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Note: An indication of "No Debt" does not necessarily mean that the company has no debt obligations; it could be due to missing data in the quarterly or annual report. Use caution when interpreting this information.
For the Banks - Regional subindustry, Camden National's Cash-to-Debt, along with its competitors' market caps and Cash-to-Debt data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
Camden National Cash-to-Debt vs Banks Industry
For the Banks industry and Financial Services sector, Camden National's Cash-to-Debt distribution charts can be found below:
* The bar in red indicates where Camden National's Cash-to-Debt falls into.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Camden National (CAC) has a Cash-to-Debt of 0.31 as of Jun. 2026. This is 23% below median its historical median of 0.40. Over the past decade, Camden National's Cash-to-Debt has ranged from 0.14 to 8.56. According to the industry distribution chart, Camden National ranks #1260 out of 1490 companies in the Banks industry, placing it in the top 84.6%.
Is Camden National's Cash-to-Debt too high?
Camden National's current Cash-to-Debt of 0.31 is 23% below median its 10-year median of 0.40. Over the past 10 years, this metric has ranged from a low of 0.14 to a high of 8.56. The Banks industry median Cash-to-Debt is 1.40. Camden National's value of 0.31 is 77.8% below this industry median. Based on the distribution chart, Camden National ranks #1260 out of 1490 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, Camden National has a GF Score™ of 56/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Camden National's Cash-to-Debt compare to SBSI and FMCB?
According to the Banks industry distribution chart, Camden National ranks #1260 out of 1490 companies for Cash-to-Debt. This places Camden National in the lower half of its industry. The industry median Cash-to-Debt is 1.40. Camden National's value of 0.31 is 77.8% below this benchmark. Historically, Camden National's own Cash-to-Debt has ranged from 0.14 to 8.56 over the past decade. While the company's 10-year median is 0.40 vs. the industry median of 1.40, Camden National has consistently been below the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Cash-to-Debt for a Banks company?
The median Cash-to-Debt among Banks companies is 1.40, based on 1,490 companies in the industry. Companies in the top quartile (top 25%) have a Cash-to-Debt significantly above this median, while those in the bottom quartile fall well below. However, Cash-to-Debt should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Camden National's current Cash-to-Debt of 0.31 is 77.8% below the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Cash-to-Debt mean?
A high Cash-to-Debt can signal that a stock is expensive relative to its fundamentals. For the Banks industry, the median Cash-to-Debt is 1.40 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Camden National's current Cash-to-Debt is 0.31, which is 23% below median its own 10-year median of 0.40. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Camden National stock overvalued right now?
Based on GuruFocus' analysis, Camden National (CAC) is currently considered Modestly Overvalued. The stock's GF Value™ is $49.92, compared to a current price of $57.22 — trading 14.6% above its estimated fair value. The current Cash-to-Debt is 0.31, which is 23% below median its 10-year median of 0.40 and 77.8% below the Banks industry median of 1.40. Camden National's overall GF Score™ is 56/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Cash-to-Debt calculated?
Cash-to-Debt is calculated from a company's financial statements. For Camden National (CAC), the current Cash-to-Debt is 0.31 as of Jun. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is Camden National (CAC) Overvalued in 2026?
Based on GuruFocus' analysis, Camden National stock appears to be overvalued.
The current stock price of $57.22 is trading 14.6% above its estimated GF Value™ of $49.92.
GuruFocus considers Camden National to be Modestly Overvalued.
Key valuation signals for CAC:
Cash-to-Debt: 0.31 (23% below median its 10-year median of 0.40)
GF Value™: $49.92 vs. price of $57.22 (14.6% above fair value)
Industry Position: 77.8% below the Banks median (#1260 of 1490)
No single metric tells the full story. See the CAC stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Camden National Corporation is a banking solutions provider in the United States. Its core business is providing commercial banking products to individuals and corporates. 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.
56GF Score
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