Camden NationalCAC +0.74%61 Pretax Margin % is 44.76% as of Mar. 2026, which is 9% above its 10-year median of 40.95. GuruFocus rates CAC with a GF Score™ of 61/100 and a GF Value™ of $47.97 (Modestly Overvalued). The stock has 5 warning signs investors should review. Among 1,526 Banks companies, Camden National ranks better than 62.71% on this metric.
The historical rank and industry rank for Camden National's Pretax Margin % or its related term are showing as below:
CAC'
s Pretax Margin % Range Over the Past 10 Years
Min: 31.68 Med: 40.95 Max: 47.38
Current: 39.8
CAC's Pretax Margin % is ranked better than 62.71% of 1526
companies
in the Banks industry
Industry Median: 34.885
vs CAC: 39.80
Camden National (NAS:CAC) Pretax Margin % Explanation
The pretax margin, as know as pretax profit margin, is widely used to measure the operating efficiency of a company before deducting taxes.
The pretax margin is sometimes preferred over the net margin as tax expenditures can make profitability comparisons between companies misleading.
It is a useful tool to compare companies operating in the same sector and less effective when comparing companies from other sectors as each industry generally has different operating expenses and sales patterns.
The long term trend of the pretax margin is a good indicator of the competitiveness and health of the business.
Camden National Pretax Margin % Related Terms
Camden National Pretax Margin % Historical Data
* Premium members only.
The historical data trend for Camden National's Pretax 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.
CAC vs FMNB, EGBN, MPB: Pretax Margin % Comparison
For the Banks - Regional subindustry, Camden National's Pretax Margin %, along with its competitors' market caps and Pretax 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 Pretax Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Camden National's Pretax Margin % distribution charts can be found below:
* The bar in red indicates where Camden National's Pretax 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 (CAC) has a Pretax Margin % of 44.76% as of Mar. 2026. Pre-Tax margin is the ratio of total pre-tax income to net sales. View historical data on Camden National and its competitors. This is near median its historical median of 40.95. Over the past decade, Camden National's Pretax Margin % has ranged from 31.68 to 47.38. According to the industry distribution chart, Camden National ranks #569 out of 1526 companies in the Banks industry, placing it in the top 37.3%.
Is Camden National's Pretax Margin % too high?
Camden National's current Pretax Margin % of 44.76% is near median its 10-year median of 40.95. Over the past 10 years, this metric has ranged from a low of 31.68 to a high of 47.38. The Banks industry median Pretax Margin % is 34.89. Camden National's value of 44.76% is 28.3% above this industry median. Based on the distribution chart, Camden National ranks #569 out of 1526 companies in the Banks industry, which is above the industry midpoint. Overall, Camden National has a GF Score™ of 61/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Camden National's Pretax Margin % compare to FMNB and EGBN?
According to the Banks industry distribution chart, Camden National ranks #569 out of 1526 companies for Pretax Margin %. This puts Camden National in the upper half of its industry. The industry median Pretax Margin % is 34.89. Camden National's value of 44.76% is 28.3% above this benchmark. Historically, Camden National's own Pretax Margin % has ranged from 31.68 to 47.38 over the past decade. While the company's 10-year median is 40.95 vs. the industry median of 34.89, 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 Pretax Margin % for a Banks company?
The median Pretax Margin % among Banks companies is 34.89, based on 1,526 companies in the industry. Companies in the top quartile (top 25%) have a Pretax Margin % significantly above this median, while those in the bottom quartile fall well below. However, Pretax Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Camden National's current Pretax Margin % of 44.76% is 28.3% 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 Pretax Margin % mean?
A high Pretax Margin % can signal that a stock is expensive relative to its fundamentals. Pre-Tax margin is the ratio of total pre-tax income to net sales. View historical data on Camden National and its competitors. For the Banks industry, the median Pretax Margin % is 34.89 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Camden National's current Pretax Margin % is 44.76%, which is near median its own 10-year median of 40.95. 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 (CAC) is currently considered Modestly Overvalued. The stock's GF Value™ is $47.97, compared to a current price of $53.17 — trading 10.8% above its estimated fair value. The current Pretax Margin % is 44.76%, which is near median its 10-year median of 40.95 and 28.3% above the Banks industry median of 34.89. 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 Pretax Margin % calculated?
Pretax Margin % is calculated from a company's financial statements. For Camden National (CAC), the current Pretax Margin % is 44.76% 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 (CAC) Overvalued in 2026?
Based on GuruFocus' analysis, Camden National stock appears to be overvalued.
The current stock price of $53.17 is trading 10.8% above its estimated GF Value™ of $47.97.
GuruFocus considers Camden National to be Modestly Overvalued.
Key valuation signals for CAC:
Pretax Margin %: 44.76% (near median its 10-year median of 40.95)
GF Value™: $47.97 vs. price of $53.17 (10.8% above fair value)
Industry Position: 28.3% above the Banks median (#569 of 1526)
No single metric tells the full story. See the CAC 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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