Camden NationalSTU:3LR +1.30%61 FCF Margin % is 29.06% as of Mar. 2026, which is 22% below its 10-year median of 37.08. GuruFocus rates STU:3LR with a GF Score™ of 61/100 and a GF Value™ of €42.03. The stock has 5 warning signs investors should review. Among 1,504 Banks companies, Camden National ranks better than 57.05% on this metric.
The historical rank and industry rank for Camden National's FCF Margin % or its related term are showing as below:
STU:3LR'
s FCF Margin % Range Over the Past 10 Years
Min: 8.36 Med: 37.08 Max: 77.03
Current: 30.44
During the past 13 years, the highest FCF Margin % of Camden National was 77.03%. The lowest was 8.36%. And the median was 37.08%.
STU:3LR's FCF Margin % is ranked better than 57.05% of 1504
companies
in the Banks industry
Industry Median: 26.5
vs STU:3LR: 30.44
Camden National FCF Margin % Related Terms
Camden National FCF Margin % Historical Data
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The historical data trend for Camden National's FCF Margin % 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.
STU:3LR vs FMNB, EGBN, MPB: FCF Margin % Comparison
For the Banks - Regional subindustry, Camden National's FCF Margin %, along with its competitors' market caps and FCF Margin % 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 FCF Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Camden National's FCF Margin % distribution charts can be found below:
* The bar in red indicates where Camden National's FCF Margin % 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 (STU:3LR) has a FCF Margin % of 29.06% as of Mar. 2026. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on Camden National and its competitors. This is 22% below median its historical median of 37.08. Over the past decade, Camden National's FCF Margin % has ranged from 8.36 to 77.03. According to the industry distribution chart, Camden National ranks #646 out of 1504 companies in the Banks industry, placing it in the top 43%.
Is Camden National's FCF Margin % too high?
Camden National's current FCF Margin % of 29.06% is 22% below median its 10-year median of 37.08. Over the past 10 years, this metric has ranged from a low of 8.36 to a high of 77.03. The Banks industry median FCF Margin % is 26.50. Camden National's value of 29.06% is 9.7% above this industry median. Based on the distribution chart, Camden National ranks #646 out of 1504 companies in the Banks industry, which is above the industry midpoint. Overall, Camden National has a GF Score™ of 61/100, reflecting its overall financial health beyond just this single metric.
How does Camden National's FCF Margin % compare to FMNB and EGBN?
According to the Banks industry distribution chart, Camden National ranks #646 out of 1504 companies for FCF Margin %. This puts Camden National in the upper half of its industry. The industry median FCF Margin % is 26.50. Camden National's value of 29.06% is 9.7% above this benchmark. Historically, Camden National's own FCF Margin % has ranged from 8.36 to 77.03 over the past decade. While the company's 10-year median is 37.08 vs. the industry median of 26.50, 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 FCF Margin % for a Banks company?
The median FCF Margin % among Banks companies is 26.50, based on 1,504 companies in the industry. Companies in the top quartile (top 25%) have a FCF Margin % significantly above this median, while those in the bottom quartile fall well below. However, FCF Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Camden National's current FCF Margin % of 29.06% is 9.7% 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 FCF Margin % mean?
A high FCF Margin % can signal that a stock is expensive relative to its fundamentals. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on Camden National and its competitors. For the Banks industry, the median FCF Margin % is 26.50 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Camden National's current FCF Margin % is 29.06%, which is 22% below median its own 10-year median of 37.08. 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?
Camden National (STU:3LR) has a current FCF Margin % of 29.06%. The stock's GF Value™ is €42.03, compared to a current price of €46.60 — trading 10.9% above its estimated fair value. The current FCF Margin % is 29.06%, which is 22% below median its 10-year median of 37.08 and 9.7% above the Banks industry median of 26.50. 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 FCF Margin % calculated?
FCF Margin % is calculated from a company's financial statements. For Camden National (STU:3LR), the current FCF Margin % is 29.06% 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 (STU:3LR) Overvalued in 2026?
Based on GuruFocus' analysis, Camden National stock appears to be overvalued.
The current stock price of €46.60 is trading 10.9% above its estimated GF Value™ of €42.03.
Key valuation signals for STU:3LR:
FCF Margin %: 29.06% (22% below median its 10-year median of 37.08)
GF Value™: €42.03 vs. price of €46.60 (10.9% above fair value)
Industry Position: 9.7% above the Banks median (#646 of 1504)
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.
61GF Score
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