Camden NationalCAC -1.35%60 Return-on-Tangible-Equity is 17.17% as of Mar. 2026, which is 17% above its 10-year median of 14.67. GuruFocus rates CAC with a GF Score™ of 60/100 and a GF Value™ of $47.99 (Modestly Overvalued). The stock has 5 warning signs investors should review. Among 1,525 Banks companies, Camden National ranks better than 81.05% on this metric.
Return-on-Tangible-Equity is calculated as Net Income divided by its average total shareholder tangible equity. Total shareholder tangible equity equals to Total Stockholders Equity minus Intangible Assets. Camden National's annualized net income for the quarter that ended in Mar. 2026 was $87.5 Mil. Camden National's average shareholder tangible equity for the quarter that ended in Mar. 2026 was $509.9 Mil. Therefore, Camden National's annualized Return-on-Tangible-Equity for the quarter that ended in Mar. 2026 was 17.17%.
The historical rank and industry rank for Camden National's Return-on-Tangible-Equity or its related term are showing as below:
CAC'
s Return-on-Tangible-Equity Range Over the Past 10 Years
Min: 9.59 Med: 14.67 Max: 16.64
Current: 16.64
During the past 13 years, Camden National's highest Return-on-Tangible-Equity was 16.64%. The lowest was 9.59%. And the median was 14.67%.
CAC's Return-on-Tangible-Equity is ranked better than 81.05% of 1525
companies
in the Banks industry
Industry Median: 11.21
vs CAC: 16.64
Camden National (NAS:CAC) Return-on-Tangible-Equity Explanation
Return-on-Tangible-Equity measures the rate of return on the ownership interest (shareholder's tangible equity) of the common stock owners. It measures a firm's efficiency at generating profits from every unit of shareholders' tangible equity (shareholders equity minus intangibles). Return-on-Tangible-Equity shows how well a company uses investment funds to generate earnings growth. Return-on-Tangible-Equitys between 15% and 20% are considered desirable.
Be Aware
Net Income is used.
Because a company can increase its Return-on-Tangible-Equity by having more financial leverage, it is important to watch the leverage ratio when investing in high Return-on-Tangible-Equity companies. Like Return-on-Tangible-Asset, Return-on-Tangible-Equity is calculated with only 12 months data. Fluctuations in company's earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective.
Asset light businesses require very few assets to generate very high earnings. Their Return-on-Tangible-Equitys can be extremely high.
Camden National Return-on-Tangible-Equity Related Terms
Camden National Return-on-Tangible-Equity Historical Data
* Premium members only.
The historical data trend for Camden National's Return-on-Tangible-Equity 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 FMCB, THFF, NBBK: Return-on-Tangible-Equity Comparison
For the Banks - Regional subindustry, Camden National's Return-on-Tangible-Equity, along with its competitors' market caps and Return-on-Tangible-Equity 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 Return-on-Tangible-Equity vs Banks Industry
For the Banks industry and Financial Services sector, Camden National's Return-on-Tangible-Equity distribution charts can be found below:
* The bar in red indicates where Camden National's Return-on-Tangible-Equity 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.
In the calculation of annual Return-on-Tangible-Equity, the net income of the last fiscal year and the average total shareholder tangible equity over the fiscal year are used. In calculating the quarterly data,
the net income data used here is four times the quarterly (Mar. 2026) net income data.
Return-on-Tangible-Equity is displayed in the 10-year financial page.
What does a Return-on-Tangible-Equity of 17.17% mean?
Camden National (CAC) has a Return-on-Tangible-Equity of 17.17% as of Mar. 2026. Return on tangible equity is the ratio of current-period net income to average two-period tangible equity. View historical data on Camden National and its competitors. This is 17% above median its historical median of 14.67. Over the past decade, Camden National's Return-on-Tangible-Equity has ranged from 9.59 to 16.64. According to the industry distribution chart, Camden National ranks #289 out of 1525 companies in the Banks industry, placing it in the top 19%.
Is Camden National's Return-on-Tangible-Equity too high?
Camden National's current Return-on-Tangible-Equity of 17.17% is 17% above median its 10-year median of 14.67. Over the past 10 years, this metric has ranged from a low of 9.59 to a high of 16.64. The Banks industry median Return-on-Tangible-Equity is 11.21. Camden National's value of 17.17% is 53.2% above this industry median. Based on the distribution chart, Camden National ranks #289 out of 1525 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 60/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Camden National's Return-on-Tangible-Equity compare to FMCB and THFF?
According to the Banks industry distribution chart, Camden National ranks #289 out of 1525 companies for Return-on-Tangible-Equity. This places Camden National in the top 19% of its industry — outperforming the majority of peers. The industry median Return-on-Tangible-Equity is 11.21. Camden National's value of 17.17% is 53.2% above this benchmark. Historically, Camden National's own Return-on-Tangible-Equity has ranged from 9.59 to 16.64 over the past decade. While the company's 10-year median is 14.67 vs. the industry median of 11.21, 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 Return-on-Tangible-Equity for a Banks company?
The median Return-on-Tangible-Equity among Banks companies is 11.21, based on 1,525 companies in the industry. Companies in the top quartile (top 25%) have a Return-on-Tangible-Equity significantly above this median, while those in the bottom quartile fall well below. However, Return-on-Tangible-Equity should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Camden National's current Return-on-Tangible-Equity of 17.17% is 53.2% 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 Return-on-Tangible-Equity mean?
A high Return-on-Tangible-Equity can signal that a stock is expensive relative to its fundamentals. Return on tangible equity is the ratio of current-period net income to average two-period tangible equity. View historical data on Camden National and its competitors. For the Banks industry, the median Return-on-Tangible-Equity is 11.21 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Camden National's current Return-on-Tangible-Equity is 17.17%, which is 17% above median its own 10-year median of 14.67. 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 $47.99, compared to a current price of $53.54 — trading 11.6% above its estimated fair value. The current Return-on-Tangible-Equity is 17.17%, which is 17% above median its 10-year median of 14.67 and 53.2% above the Banks industry median of 11.21. Camden National's overall GF Score™ is 60/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Return-on-Tangible-Equity calculated?
Return-on-Tangible-Equity is calculated from a company's financial statements. For Camden National (CAC), the current Return-on-Tangible-Equity is 17.17% 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 $53.54 is trading 11.6% above its estimated GF Value™ of $47.99.
GuruFocus considers Camden National to be Modestly Overvalued.
Key valuation signals for CAC:
Return-on-Tangible-Equity: 17.17% (17% above median its 10-year median of 14.67)
GF Value™: $47.99 vs. price of $53.54 (11.6% above fair value)
Industry Position: 53.2% above the Banks median (#289 of 1525)
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.
60GF Score
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