Camden National (STU:3LR) Moat Score: 4/10 (As of Jun. 25, 2026)


STU:3LR Camden National Corp STU:3LR
61 GF Score
Price €46.60
GF Value €42.03
! 5 Warning Signs
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What is Camden National Moat Score?

Camden National STU:3LR +1.30% 61 Moat Score is 4 as of Jun. 25, 2026. 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 1,609 Banks companies, Camden National ranks better than 86.14% on this metric.

Camden National has the Moat Score of 4, which implies that the company might have Narrow Moat - Discernible but modest moat.

Camden National has Narrow Moat: Camden National benefits from regional market leadership and customer loyalty. Regulatory barriers provide some protection, but limited economies of scale and pricing power restrict a stronger moat.

Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more.

The company's Moat Score is based on these criteria:

1. Market leadership and sustainable market share
2. Network effects and significant customer switching costs
3. Valuable intellectual property and patents
4. Strong brand strength and deep customer loyalty
5. Durable cost advantages (e.g., economies of scale, proprietary technology)
6. Significant regulatory barriers and exclusive licenses
7. Superior distribution network
8. Strong and sustainable pricing power
9. Consistent and impactful innovation and R&D capabilities

Based on the research, GuruFocus believes Camden National might have Narrow Moat - Discernible but modest moat.

Camden National  (STU:3LR) Moat Score Explanation

The Moat Score ranges from 0 to 10, with 10 as the highest. GuruFocus divided Moat Score into following 8 categories:

Moat Score Moat Level
10Wide Moat - Exceptionally dominant and durable wide moat
8 - 9Wide Moat - Clear and robust wide moat
7Wide Moat - Entry-level wide moat, clearly possessing durable advantages
6Narrow Moat - Strong narrow moat, clearly distinguishable but not wide
5Narrow Moat - Solid narrow moat
4Narrow Moat - Discernible but modest moat
1 - 3No Moat - Very weak/transient advantages
0No Moat - No discernible moat

Camden National Moat Score Related Terms

STU:3LR vs FMNB, EGBN, MPB: Moat Score Comparison

For the Banks - Regional subindustry, Camden National's Moat Score, along with its competitors' market caps and Moat Score 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 Moat Score vs Banks Industry

For the Banks industry and Financial Services sector, Camden National's Moat Score distribution charts can be found below:

* The bar in red indicates where Camden National's Moat Score falls into.


STU:3LR
61GF Score
Camden National Corp STU:3LR
Moat Score is just one metric. See GF Score™, valuation, warning signs, and more.
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Frequently Asked Questions Learn more about Moat Score →
What does a Moat Score of 4 mean?
Camden National (STU:3LR) has a Moat Score of 4 as of Jun. 25, 2026. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. According to the industry distribution chart, Camden National ranks #223 out of 1609 companies in the Banks industry, placing it in the top 13.9%.
Is Camden National's Moat Score too high?
Camden National's current Moat Score is 4. Based on the distribution chart, Camden National ranks #223 out of 1609 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. 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 Moat Score compare to FMNB and EGBN?
According to the Banks industry distribution chart, Camden National ranks #223 out of 1609 companies for Moat Score. This places Camden National in the top 14% of its industry — outperforming the majority of peers. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Moat Score for a Banks company?
A good Moat Score depends on the Banks industry context. However, Moat Score should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Moat Score mean?
A high Moat Score can signal that a stock is expensive relative to its fundamentals. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. Camden National's current Moat Score is 4. 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 Moat Score of 4. 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 Moat Score is 4. 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 Moat Score calculated?
Moat Score is calculated from a company's financial statements. For Camden National (STU:3LR), the current Moat Score is 4 as of Jun. 25, 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:

  • Moat Score: 4
  • GF Value™: €42.03 vs. price of €46.60 (10.9% above fair value)
  • GF Score™: 61/100 with 5 warning signs

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 Business Description

Other Exchanges CAC:USA
Address 2 Elm Street, Camden, ME, USA, 04843
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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Moat Score is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

€46.60
Price
€42.03
GF Value