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 NationalSTU:3LR -4.95%58 EV-to-FCF is 11.98 as of Aug. 17, 2026, which is 19% below its 10-year median of 14.74. GuruFocus rates STU:3LR with a GF Score™ of 58/100 and a GF Value™ of €40.58. The stock has 5 warning signs investors should review. Among 1,183 Banks companies, Camden National ranks worse than 67.03% 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 €1,055.5 Mil.
Camden National's Free Cash Flow for the trailing twelve months (TTM) ended in Jun. 2026 was €88.1 Mil. Therefore, Camden National's EV-to-FCF for today is 11.98.
The historical rank and industry rank for Camden National's EV-to-FCF or its related term are showing as below:
STU:3LR'
s EV-to-FCF Range Over the Past 10 Years
Min: 2.45 Med: 14.74 Max: 1216.06
Current: 11.88
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 14.74.
STU:3LR's EV-to-FCF is ranked worse than 67.03% of 1183
companies
in the Banks industry
Industry Median: 7.25
vs STU:3LR: 11.88
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 €48.00.
Camden National's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Jun. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was €4.489.
* 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 €1,055.5 Mil.
Camden National's Free Cash Flow for the trailing twelve months (TTM) ended in Jun. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was €88.1 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 (STU:3LR) has a EV-to-FCF of 11.98 as of Aug. 17, 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 19% below median its historical median of 14.74. 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 #793 out of 1183 companies in the Banks industry, placing it in the top 67%.
Is Camden National's EV-to-FCF too high?
Camden National's current EV-to-FCF of 11.98 is 19% below median its 10-year median of 14.74. 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 7.25. Camden National's value of 11.98 is 65.2% above this industry median. Based on the distribution chart, Camden National ranks #793 out of 1183 companies in the Banks industry, which is below the industry midpoint. Overall, Camden National has a GF Score™ of 58/100, reflecting its overall financial health beyond just this single metric.
How does Camden National's EV-to-FCF compare to THFF and SBNC?
According to the Banks industry distribution chart, Camden National ranks #793 out of 1183 companies for EV-to-FCF. This places Camden National in the lower half of its industry. The industry median EV-to-FCF is 7.25. Camden National's value of 11.98 is 65.2% 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 14.74 vs. the industry median of 7.25, 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 7.25, based on 1,183 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 11.98 is 65.2% 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-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 7.25 — 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 11.98, which is 19% below median its own 10-year median of 14.74. 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?
Camden National (STU:3LR) has a current EV-to-FCF of 11.98. The stock's GF Value™ is €40.58, compared to a current price of €48.00 — trading 18.3% above its estimated fair value. The current EV-to-FCF is 11.98, which is 19% below median its 10-year median of 14.74 and 65.2% above the Banks industry median of 7.25. Camden National's overall GF Score™ is 58/100 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 (STU:3LR), the current EV-to-FCF is 11.98 as of Aug. 17, 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 (STU:3LR) Overvalued in 2026?
Based on GuruFocus' analysis, Camden National stock appears to be overvalued.
The current stock price of €48.00 is trading 18.3% above its estimated GF Value™ of €40.58.
Key valuation signals for STU:3LR:
EV-to-FCF: 11.98 (19% below median its 10-year median of 14.74)
GF Value™: €40.58 vs. price of €48.00 (18.3% above fair value)
Industry Position: 65.2% above the Banks median (#793 of 1183)
No single metric tells the full story. See the STU: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.
58GF Score
Get the complete analysis for STU:3LR
EV-to-FCF is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
STU:3LR has been successfully added to your 
