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Camden NationalCAC -0.06%61 EV-to-OCF is 13.10 as of Jul. 23, 2026, which is 8% below its 10-year median of 14.24. GuruFocus rates CAC with a GF Score™ of 61/100 and a GF Value™ of $48.24 (Modestly Overvalued). The stock has 5 warning signs investors should review. Among 1,495 Banks companies, Camden National ranks worse than 79.2% on this metric.
EV-to-OCF is calculated as enterprise value divided by its cash flow from operations. As of today, Camden National's Enterprise Value is $1,085.5 Mil.
Camden National's Cash Flow from Operations for the trailing twelve months (TTM) ended in Mar. 2026 was $82.9 Mil. Therefore, Camden National's EV-to-OCF for today is 13.10.
The historical rank and industry rank for Camden National's EV-to-OCF or its related term are showing as below:
CAC'
s EV-to-OCF Range Over the Past 10 Years
Min: 2.42 Med: 14.24 Max: 148.04
Current: 13.1
During the past 13 years, the highest EV-to-OCF of Camden National was 148.04. The lowest was 2.42. And the median was 14.24.
CAC's EV-to-OCF is ranked worse than 79.2% of 1495
companies
in the Banks industry
Industry Median: 3.73
vs CAC: 13.10
EV-to-OCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
EV-to-OCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
Camden National's PE Ratio (TTM) for today is calculated as:
Camden National's share price for today is $53.61.
Camden National's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $4.700.
* 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.
Enterprise Value is used because it is a more complete measure in reflecting how much an investor pays when buying a company. Cash Flow from Operations is an important financial metric because it represents the cash generated from operating activities at a company's disposal. Companies with a low EV-to-OCF ratio, combined with a strong balance sheet are generally considered as undervalued.
Camden National EV-to-OCF Related Terms
Camden National EV-to-OCF Historical Data
* Premium members only.
The historical data trend for Camden National's EV-to-OCF 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.
For the Banks - Regional subindustry, Camden National's EV-to-OCF, along with its competitors' market caps and EV-to-OCF 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 EV-to-OCF vs Banks Industry
For the Banks industry and Financial Services sector, Camden National's EV-to-OCF distribution charts can be found below:
* The bar in red indicates where Camden National's EV-to-OCF falls into.
Camden National's current Enterprise Value is $1,085.5 Mil.
Camden National's Cash Flow from Operations for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $82.9 Mil.
* 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 EV-to-OCF of 13.10 as of Jul. 23, 2026. This is near median its historical median of 14.24. Over the past decade, Camden National's EV-to-OCF has ranged from 2.42 to 148.04. According to the industry distribution chart, Camden National ranks #1184 out of 1495 companies in the Banks industry, placing it in the top 79.2%.
Is Camden National's EV-to-OCF too high?
Camden National's current EV-to-OCF of 13.10 is near median its 10-year median of 14.24. Over the past 10 years, this metric has ranged from a low of 2.42 to a high of 148.04. The Banks industry median EV-to-OCF is 3.73. Camden National's value of 13.10 is 251.2% above this industry median. Based on the distribution chart, Camden National ranks #1184 out of 1495 companies in the Banks industry, which is in the bottom quartile relative to peers. 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 EV-to-OCF compare to FMCB and THFF?
According to the Banks industry distribution chart, Camden National ranks #1184 out of 1495 companies for EV-to-OCF. This places Camden National in the lower half of its industry. The industry median EV-to-OCF is 3.73. Camden National's value of 13.10 is 251.2% above this benchmark. Historically, Camden National's own EV-to-OCF has ranged from 2.42 to 148.04 over the past decade. While the company's 10-year median is 14.24 vs. the industry median of 3.73, Camden National has consistently been above 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 EV-to-OCF for a Banks company?
The median EV-to-OCF among Banks companies is 3.73, based on 1,495 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-OCF significantly above this median, while those in the bottom quartile fall well below. However, EV-to-OCF should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Camden National's current EV-to-OCF of 13.10 is 251.2% above 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 EV-to-OCF mean?
A high EV-to-OCF can signal that a stock is expensive relative to its fundamentals. For the Banks industry, the median EV-to-OCF is 3.73 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Camden National's current EV-to-OCF is 13.10, which is near median its own 10-year median of 14.24. 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 $48.24, compared to a current price of $53.61 — trading 11.1% above its estimated fair value. The current EV-to-OCF is 13.10, which is near median its 10-year median of 14.24 and 251.2% above the Banks industry median of 3.73. 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 EV-to-OCF calculated?
EV-to-OCF is calculated from a company's financial statements. For Camden National (CAC), the current EV-to-OCF is 13.10 as of Jul. 23, 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 $53.61 is trading 11.1% above its estimated GF Value™ of $48.24.
GuruFocus considers Camden National to be Modestly Overvalued.
Key valuation signals for CAC:
EV-to-OCF: 13.10 (near median its 10-year median of 14.24)
GF Value™: $48.24 vs. price of $53.61 (11.1% above fair value)
Industry Position: 251.2% above the Banks median (#1184 of 1495)
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
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