Camden NationalSTU:3LR +1.30%61 Net Margin % is 34.89% as of Mar. 2026, which is 10% above its 10-year median of 31.61. 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 1,526 Banks companies, Camden National ranks better than 66.25% on this metric.
Net margin is calculated as Net Income divided by its Revenue. Camden National's Net Income for the
three
months ended in Mar. 2026 was €18.9 Mil. Camden National's Revenue for the
three
months ended in Mar. 2026 was €54.3 Mil. Therefore, Camden National's net margin for the quarter that ended in Mar. 2026 was 34.89%.
The historical rank and industry rank for Camden National's Net Margin % or its related term are showing as below:
STU:3LR'
s Net Margin % Range Over the Past 10 Years
Min: 18.84 Med: 31.61 Max: 37.74
Current: 31.55
STU:3LR's Net Margin % is ranked better than 66.25% of 1526
companies
in the Banks industry
Industry Median: 26.97
vs STU:3LR: 31.55
Camden National (STU:3LR) Net Margin % Explanation
Although Net Income and Earnings-per-Share (EPS) are the most widely used parameter in measuring a company's profitability and valuation, it is the least reliable. The reason is that reported earnings can be manipulated easily by adjusting any numbers such as Depreciation, Depletion and Amotorization and non-recurring items.
But the long term trend of the net margin is a good indicator of the competitiveness and health of the business.
Camden National Net Margin % Related Terms
Camden National Net Margin % Historical Data
* Premium members only.
The historical data trend for Camden National's Net 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: Net Margin % Comparison
For the Banks - Regional subindustry, Camden National's Net Margin %, along with its competitors' market caps and Net 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 Net Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Camden National's Net Margin % distribution charts can be found below:
* The bar in red indicates where Camden National's Net 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 Net Margin % of 34.89% as of Mar. 2026. Net margin is the ratio of total net income to net sales. View historical data on Camden National and its competitors. This is 10% above median its historical median of 31.61. Over the past decade, Camden National's Net Margin % has ranged from 18.84 to 37.74. According to the industry distribution chart, Camden National ranks #515 out of 1526 companies in the Banks industry, placing it in the top 33.7%.
Is Camden National's Net Margin % too high?
Camden National's current Net Margin % of 34.89% is 10% above median its 10-year median of 31.61. Over the past 10 years, this metric has ranged from a low of 18.84 to a high of 37.74. The Banks industry median Net Margin % is 26.97. Camden National's value of 34.89% is 29.4% above this industry median. Based on the distribution chart, Camden National ranks #515 out of 1526 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 Net Margin % compare to FMNB and EGBN?
According to the Banks industry distribution chart, Camden National ranks #515 out of 1526 companies for Net Margin %. This puts Camden National in the upper half of its industry. The industry median Net Margin % is 26.97. Camden National's value of 34.89% is 29.4% above this benchmark. Historically, Camden National's own Net Margin % has ranged from 18.84 to 37.74 over the past decade. While the company's 10-year median is 31.61 vs. the industry median of 26.97, 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 Net Margin % for a Banks company?
The median Net Margin % among Banks companies is 26.97, based on 1,526 companies in the industry. Companies in the top quartile (top 25%) have a Net Margin % significantly above this median, while those in the bottom quartile fall well below. However, Net Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Camden National's current Net Margin % of 34.89% is 29.4% 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 Net Margin % mean?
A high Net Margin % can signal that a stock is expensive relative to its fundamentals. Net margin is the ratio of total net income to net sales. View historical data on Camden National and its competitors. For the Banks industry, the median Net Margin % is 26.97 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Camden National's current Net Margin % is 34.89%, which is 10% above median its own 10-year median of 31.61. 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 Net Margin % of 34.89%. 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 Net Margin % is 34.89%, which is 10% above median its 10-year median of 31.61 and 29.4% above the Banks industry median of 26.97. 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 Net Margin % calculated?
Net Margin % is calculated from a company's financial statements. For Camden National (STU:3LR), the current Net Margin % is 34.89% 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:
Net Margin %: 34.89% (10% above median its 10-year median of 31.61)
GF Value™: €42.03 vs. price of €46.60 (10.9% above fair value)
Industry Position: 29.4% above the Banks median (#515 of 1526)
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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