Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.
Camden NationalCAC +0.59%61 Debt-to-Equity is 0.44 as of Mar. 2026, which is 29% below its 10-year median of 0.62. GuruFocus rates CAC with a GF Score™ of 61/100 and a GF Value™ of $48.16 (Modestly Overvalued). The stock has 5 warning signs investors should review. Among 1,423 Banks companies, Camden National ranks better than 57.91% on this metric.
A high debt to equity ratio generally means that a company has been aggressive in financing its growth with debt. This can result in volatile earnings as a result of the additional interest expense.
The historical rank and industry rank for Camden National's Debt-to-Equity or its related term are showing as below:
CAC'
s Debt-to-Equity Range Over the Past 10 Years
Min: 0.08 Med: 0.62 Max: 1.79
Current: 0.44
During the past 13 years, the highest Debt-to-Equity Ratio of Camden National was 1.79. The lowest was 0.08. And the median was 0.62.
CAC's Debt-to-Equity is ranked better than 57.91% of 1423
companies
in the Banks industry
Industry Median: 0.56
vs CAC: 0.44
Camden National (NAS:CAC) Debt-to-Equity Explanation
Because a company can increase its ROE % by having more financial leverage, it is important to watch the leverage ratio when investing in high ROE % companies.
Camden National Debt-to-Equity Related Terms
Camden National Debt-to-Equity Historical Data
* Premium members only.
The historical data trend for Camden National's Debt-to-Equity 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.
CAC vs FMCB, THFF, NBBK: Debt-to-Equity Comparison
For the Banks - Regional subindustry, Camden National's Debt-to-Equity, along with its competitors' market caps and Debt-to-Equity 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 Debt-to-Equity vs Banks Industry
For the Banks industry and Financial Services sector, Camden National's Debt-to-Equity distribution charts can be found below:
* The bar in red indicates where Camden National's Debt-to-Equity 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 Debt-to-Equity of 0.44 as of Mar. 2026. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on Camden National and its competitors. This is 29% below median its historical median of 0.62. Over the past decade, Camden National's Debt-to-Equity has ranged from 0.08 to 1.79. According to the industry distribution chart, Camden National ranks #599 out of 1423 companies in the Banks industry, placing it in the top 42.1%.
Is Camden National's Debt-to-Equity too high?
Camden National's current Debt-to-Equity of 0.44 is 29% below median its 10-year median of 0.62. Over the past 10 years, this metric has ranged from a low of 0.08 to a high of 1.79. The Banks industry median Debt-to-Equity is 0.56. Camden National's value of 0.44 is 21.4% below this industry median. Based on the distribution chart, Camden National ranks #599 out of 1423 companies in the Banks industry, which is above the industry midpoint. Overall, Camden National has a GF Score™ of 61/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Camden National's Debt-to-Equity compare to FMCB and THFF?
According to the Banks industry distribution chart, Camden National ranks #599 out of 1423 companies for Debt-to-Equity. This puts Camden National in the upper half of its industry. The industry median Debt-to-Equity is 0.56. Camden National's value of 0.44 is 21.4% below this benchmark. Historically, Camden National's own Debt-to-Equity has ranged from 0.08 to 1.79 over the past decade. While the company's 10-year median is 0.62 vs. the industry median of 0.56, 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 Debt-to-Equity for a Banks company?
The median Debt-to-Equity among Banks companies is 0.56, based on 1,423 companies in the industry. Companies in the top quartile (top 25%) have a Debt-to-Equity significantly above this median, while those in the bottom quartile fall well below. However, Debt-to-Equity should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Camden National's current Debt-to-Equity of 0.44 is 21.4% 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 Debt-to-Equity mean?
A high Debt-to-Equity can signal that a stock is expensive relative to its fundamentals. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on Camden National and its competitors. For the Banks industry, the median Debt-to-Equity is 0.56 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Camden National's current Debt-to-Equity is 0.44, which is 29% below median its own 10-year median of 0.62. 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 $48.16, compared to a current price of $54.19 — trading 12.5% above its estimated fair value. The current Debt-to-Equity is 0.44, which is 29% below median its 10-year median of 0.62 and 21.4% below the Banks industry median of 0.56. Camden National's overall GF Score™ is 61/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Debt-to-Equity calculated?
Debt-to-Equity is calculated from a company's financial statements. For Camden National (CAC), the current Debt-to-Equity is 0.44 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 $54.19 is trading 12.5% above its estimated GF Value™ of $48.16.
GuruFocus considers Camden National to be Modestly Overvalued.
Key valuation signals for CAC:
Debt-to-Equity: 0.44 (29% below median its 10-year median of 0.62)
GF Value™: $48.16 vs. price of $54.19 (12.5% above fair value)
Industry Position: 21.4% below the Banks median (#599 of 1423)
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.
61GF Score
Get the complete analysis for CAC
Debt-to-Equity is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
CAC has been successfully added to your 
