CAC (Camden National) Cyclically Adjusted FCF per Share: $5.08 (As of Mar. 2026)


CAC Camden National Corp CAC
60 GF Score
Price $54.30
GF Value $48.05
Valuation Modestly Overvalued
! 5 Warning Signs
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What is Camden National Cyclically Adjusted FCF per Share?

Camden National CAC +0.48% 60 Cyclically Adjusted FCF per Share is $5.08 as of Mar. 2026. GuruFocus rates CAC with a GF Score™ of 60/100 and a GF Value™ of $48.05 (Modestly Overvalued). The stock has 5 warning signs investors should review.

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted FCF per Share and the Cyclically Adjusted Price-to-FCF. The Cyclically Adjusted FCF per Share is the average of the inflation adjusted Free Cash Flow per Share of a company over the past 10 years.

Camden National's adjusted free cash flow per share for the three months ended in Mar. 2026 was $1.071. Add all the adjusted free cash flow per share for the past 10 years together and divide the count will get our Cyclically Adjusted FCF per Share, which is $5.08 for the trailing ten years ended in Mar. 2026.

During the past 12 months, Camden National's average Cyclically Adjusted FCF Growth Rate was 10.70% per year. During the past 3 years, the average Cyclically Adjusted FCF Growth Rate was 5.40% per year. During the past 5 years, the average Cyclically Adjusted FCF Growth Rate was 10.40% per year. During the past 10 years, the average Cyclically Adjusted FCF Growth Rate was 7.50% per year. Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the Cyclically Adjusted FCF Growth Rate using Cyclically Adjusted FCF per Share data.

During the past 13 years, the highest 3-Year average Cyclically Adjusted FCF Growth Rate of Camden National was 16.00% per year. The lowest was 0.40% per year. And the median was 5.40% per year.

As of today (2026-07-01), Camden National's current stock price is $54.30. Camden National's Cyclically Adjusted FCF per Share for the quarter that ended in Mar. 2026 was $5.08. Camden National's Cyclically Adjusted Price-to-FCF of today is 10.69.

During the past 13 years, the highest Cyclically Adjusted Price-to-FCF of Camden National was 17.74. The lowest was 5.77. And the median was 12.12.


Camden National  (NAS:CAC) Cyclically Adjusted FCF per Share Explanation

If a company grows much fast than inflation, Cyclically Adjusted FCF per Share may underestimate the company's free cash flow. Cyclically Adjusted Price-to-FCF can seem to be too high even the actual Price-to-Free-Cash-Flow is low.

For the Cyclically Adjusted Price-to-FCF, the free cash flow per share of the past 10 years are inflation-adjusted and averaged. The result is used for P/FCF calculation. Since it looks at the average over the last 10 years, the Cyclically Adjusted Price-to-FCF is also called CAPFCF Ratio.

The Shiller PE Ratio was first used by professor Robert Shiller. He uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings per share of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted Price-to-FCF. The Cyclically Adjusted FCF per Share is the average of the inflation adjusted free cash flow per share of a company over the past 10 years.

Camden National's Cyclically Adjusted Price-to-FCF of today is calculated as

Cyclically Adjusted Price-to-FCF=Share Price/Cyclically Adjusted FCF per Share
=54.30/5.08
=10.69

* 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.

During the past 13 years, the highest Cyclically Adjusted Price-to-FCF of Camden National was 17.74. The lowest was 5.77. And the median was 12.12.


Be Aware

Cyclically Adjusted Price-to-FCF works better for cyclical companies. It gives you a better idea on the company's real free cash flow value.


Camden National Cyclically Adjusted FCF per Share Related Terms


Camden National Cyclically Adjusted FCF per Share Historical Data

* Premium members only.

The historical data trend for Camden National's Cyclically Adjusted FCF per Share 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.

Camden National Cyclically Adjusted FCF per Share Chart

Camden National Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Cyclically Adjusted FCF per Share
Get a 7-Day Free Trial Premium Member Only Premium Member Only 3.68 4.19 4.45 4.62 4.91

Camden National Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
Cyclically Adjusted FCF per Share Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 4.59 4.58 4.74 4.91 5.08

CAC vs FMCB, THFF, NBBK: Cyclically Adjusted FCF per Share Comparison

For the Banks - Regional subindustry, Camden National's Cyclically Adjusted Price-to-FCF, along with its competitors' market caps and Cyclically Adjusted Price-to-FCF 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 Cyclically Adjusted Price-to-FCF vs Banks Industry

For the Banks industry and Financial Services sector, Camden National's Cyclically Adjusted Price-to-FCF distribution charts can be found below:

* The bar in red indicates where Camden National's Cyclically Adjusted Price-to-FCF falls into.


CAC
60GF Score
Camden National Corp CAC
Cyclically Adjusted FCF per Share is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Camden National Cyclically Adjusted FCF per Share Calculation

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted FCF per Share and the Cyclically Adjusted Price-to-FCF. The Cyclically Adjusted FCF per Share is the average of the inflation adjusted Free Cash Flow per Share of a company over the past 10 years.

What is Cyclically Adjusted FCF per Share? How do we calculate Cyclically Adjusted FCF per Share?

Cyclically Adjusted FCF per Share is the average of the inflation adjusted Free Cash Flow per Share of a company over the past 10 years. Let's use an example to explain.

If we want to calculate the Cyclically Adjusted FCF per Share of Wal-Mart (WMT) for Dec. 31, 2010, we need to have the inflation data and the free cash flow per share from 2001 through 2010.

We adjusted the 2001 free cash flow per share data with the total inflation from 2001 through 2010 to the equivalent free cash flow in 2010. If the total inflation from 2001 to 2010 is 40%, and Wal-Mart's free cash flow is $1 a share in 2001, then the 2001's equivalent free cash flow in 2010 is $1.4 a share. If Wal-Mart's free cash flow is $1 again in 2002, and the total inflation from 2002 through 2010 is 35%, then the equivalent 2002 free cash flow in 2010 is $1.35. So on and so forth, you get the equivalent free cash flow per share of past 10 years. Then you add them together and divided the sum by the count to get Cyclically Adjusted FCF per Share.

Please note that we use the CPI data of the country/region where the company is headquartered. If the CPI data for that country/region is not available, then we will use the CPI data of the United States as default.

For example, Camden National's adjusted Free Cash Flow per Share data for the three months ended in Mar. 2026 was:

Adj_FreeCashFlowPerShare= Free Cash Flow per Share /CPI of Mar. 2026 (Change)*Current CPI (Mar. 2026)
=1.071/330.2130*330.2130
=1.071

Current CPI (Mar. 2026) = 330.2130.

Camden National Quarterly Data

Free Cash Flow per Share CPI Adj_FreeCashFlowPerShare
201606 0.780 241.018 1.069
201609 0.987 241.428 1.350
201612 1.558 241.432 2.131
201703 1.595 243.801 2.160
201706 0.488 244.955 0.658
201709 0.486 246.819 0.650
201712 0.991 246.524 1.327
201803 1.055 249.554 1.396
201806 0.833 251.989 1.092
201809 1.355 252.439 1.772
201812 0.553 251.233 0.727
201903 -0.398 254.202 -0.517
201906 -0.127 256.143 -0.164
201909 0.564 256.759 0.725
201912 1.845 256.974 2.371
202003 -2.263 258.115 -2.895
202006 0.836 257.797 1.071
202009 0.882 260.280 1.119
202012 1.593 260.474 2.020
202103 4.117 264.877 5.133
202106 1.439 271.696 1.749
202109 1.786 274.310 2.150
202112 2.064 278.802 2.445
202203 2.858 287.504 3.283
202206 1.782 296.311 1.986
202209 1.009 296.808 1.123
202212 1.343 296.797 1.494
202303 0.958 301.836 1.048
202306 1.136 305.109 1.229
202309 3.183 307.789 3.415
202312 -0.834 306.746 -0.898
202403 1.177 312.332 1.244
202406 0.901 314.175 0.947
202409 -1.107 315.301 -1.159
202412 2.818 315.605 2.948
202503 -0.043 319.799 -0.044
202506 0.268 322.561 0.274
202509 2.082 324.800 2.117
202512 1.115 324.054 1.136
202603 1.071 330.213 1.071

Add all the adjusted free cash flow per share together and divide 10 will get our Cyclically Adjusted FCF per Share.

What does a Cyclically Adjusted FCF per Share of $5.08 mean?
Camden National (CAC) has a Cyclically Adjusted FCF per Share of $5.08 as of Mar. 2026. Cyclically Adjusted FCF per Share represents the company's inflation-adjusted FCF per share over a 10-year period. View historical data on Camden National and its competitors.
Is Camden National's Cyclically Adjusted FCF per Share too high?
Camden National's current Cyclically Adjusted FCF per Share is $5.08. Overall, Camden National has a GF Score™ of 60/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Camden National's Cyclically Adjusted FCF per Share compare to FMCB and THFF?
Camden National's Cyclically Adjusted FCF per Share of $5.08 can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Cyclically Adjusted FCF per Share for a Banks company?
A good Cyclically Adjusted FCF per Share depends on the Banks industry context. However, Cyclically Adjusted FCF per Share should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Cyclically Adjusted FCF per Share mean?
A high Cyclically Adjusted FCF per Share can signal that a stock is expensive relative to its fundamentals. Cyclically Adjusted FCF per Share represents the company's inflation-adjusted FCF per share over a 10-year period. View historical data on Camden National and its competitors. Camden National's current Cyclically Adjusted FCF per Share is $5.08. 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 $48.05, compared to a current price of $54.30 — trading 13% above its estimated fair value. The current Cyclically Adjusted FCF per Share is $5.08. Camden National's overall GF Score™ is 60/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Cyclically Adjusted FCF per Share calculated?
Cyclically Adjusted FCF per Share is calculated from a company's financial statements. For Camden National (CAC), the current Cyclically Adjusted FCF per Share is $5.08 as of Mar. 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 $54.30 is trading 13% above its estimated GF Value™ of $48.05. GuruFocus considers Camden National to be Modestly Overvalued.

Key valuation signals for CAC:

  • Cyclically Adjusted FCF per Share: $5.08
  • GF Value™: $48.05 vs. price of $54.30 (13% above fair value)
  • GF Score™: 60/100 with 5 warning signs

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 Business Description

Other Exchanges 3LR:Germany
Address 2 Elm Street, Camden, ME, USA, 04843
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.
60GF Score

Get the complete analysis for CAC

Cyclically Adjusted FCF per Share is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$54.30
Price
$48.05
GF Value