Camden NationalFRA:3LR -0.42%63 EV-to-FCF is 14.47 as of Jun. 30, 2026, which is 4% below its 10-year median of 15.06. GuruFocus rates FRA:3LR with a GF Score™ of 63/100 and a GF Value™ of €41.80 (Modestly Overvalued). The stock has 5 warning signs investors should review. Among 1,196 Banks companies, Camden National ranks worse than 75.17% on this metric.
EV-to-FCF is calculated as enterprise value divided by its free cash flow. As of today, Camden National's Enterprise Value is €956.0 Mil.
Camden National's Free Cash Flow for the trailing twelve months (TTM) ended in Mar. 2026 was €66.1 Mil. Therefore, Camden National's EV-to-FCF for today is 14.47.
The historical rank and industry rank for Camden National's EV-to-FCF or its related term are showing as below:
FRA:3LR'
s EV-to-FCF Range Over the Past 10 Years
Min: 2.45 Med: 15.06 Max: 1216.06
Current: 14.15
During the past 13 years, the highest EV-to-FCF of Camden National was 1216.06. The lowest was 2.45. And the median was 15.06.
FRA:3LR's EV-to-FCF is ranked worse than 75.17% of 1196
companies
in the Banks industry
Industry Median: 6.545
vs FRA:3LR: 14.15
EV-to-FCF 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-FCF 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 €47.00.
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 €4.037.
* 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. Free Cash Flow is an important financial metric because it represents the actual amount of cash at a company's disposal. Companies with a low EV-to-FCF ratio, combined with a strong balance sheet are generally considered as undervalued.
Camden National EV-to-FCF Related Terms
Camden National EV-to-FCF Historical Data
* Premium members only.
The historical data trend for Camden National's EV-to-FCF 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-FCF, along with its competitors' market caps and EV-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 EV-to-FCF vs Banks Industry
For the Banks industry and Financial Services sector, Camden National's EV-to-FCF distribution charts can be found below:
* The bar in red indicates where Camden National's EV-to-FCF falls into.
Camden National's current Enterprise Value is €956.0 Mil.
Camden National's Free Cash Flow 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 €66.1 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 (FRA:3LR) has a EV-to-FCF of 14.47 as of Jun. 30, 2026. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on Camden National and its competitors. This is near median its historical median of 15.06. Over the past decade, Camden National's EV-to-FCF has ranged from 2.45 to 1,216.06. According to the industry distribution chart, Camden National ranks #899 out of 1196 companies in the Banks industry, placing it in the top 75.2%.
Is Camden National's EV-to-FCF too high?
Camden National's current EV-to-FCF of 14.47 is near median its 10-year median of 15.06. Over the past 10 years, this metric has ranged from a low of 2.45 to a high of 1,216.06. The Banks industry median EV-to-FCF is 6.55. Camden National's value of 14.47 is 121.1% above this industry median. Based on the distribution chart, Camden National ranks #899 out of 1196 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, Camden National has a GF Score™ of 63/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Camden National's EV-to-FCF compare to FMCB and THFF?
According to the Banks industry distribution chart, Camden National ranks #899 out of 1196 companies for EV-to-FCF. This places Camden National in the lower half of its industry. The industry median EV-to-FCF is 6.55. Camden National's value of 14.47 is 121.1% above this benchmark. Historically, Camden National's own EV-to-FCF has ranged from 2.45 to 1,216.06 over the past decade. While the company's 10-year median is 15.06 vs. the industry median of 6.55, 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-FCF for a Banks company?
The median EV-to-FCF among Banks companies is 6.55, based on 1,196 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-FCF significantly above this median, while those in the bottom quartile fall well below. However, EV-to-FCF should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Camden National's current EV-to-FCF of 14.47 is 121.1% 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-FCF mean?
A high EV-to-FCF can signal that a stock is expensive relative to its fundamentals. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on Camden National and its competitors. For the Banks industry, the median EV-to-FCF is 6.55 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Camden National's current EV-to-FCF is 14.47, which is near median its own 10-year median of 15.06. 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 (FRA:3LR) is currently considered Modestly Overvalued. The stock's GF Value™ is €41.80, compared to a current price of €47.00 — trading 12.4% above its estimated fair value. The current EV-to-FCF is 14.47, which is near median its 10-year median of 15.06 and 121.1% above the Banks industry median of 6.55. Camden National's overall GF Score™ is 63/100 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-FCF calculated?
EV-to-FCF is calculated from a company's financial statements. For Camden National (FRA:3LR), the current EV-to-FCF is 14.47 as of Jun. 30, 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 (FRA:3LR) Overvalued in 2026?
Based on GuruFocus' analysis, Camden National stock appears to be overvalued.
The current stock price of €47.00 is trading 12.4% above its estimated GF Value™ of €41.80.
GuruFocus considers Camden National to be Modestly Overvalued.
Key valuation signals for FRA:3LR:
EV-to-FCF: 14.47 (near median its 10-year median of 15.06)
GF Value™: €41.80 vs. price of €47.00 (12.4% above fair value)
Industry Position: 121.1% above the Banks median (#899 of 1196)
No single metric tells the full story. See the FRA:3LR 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.
63GF Score
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