What is Camden Natl Corp's earnings per share (EPS)?

Camden Natl Corp (CAC) reported diluted earnings per share of $3.84 for fiscal year 2025. This represents a 6.1% change compared to the previous fiscal year. EPS represents the portion of a company's net income allocated to each outstanding share of common stock and is widely used to evaluate profitability on a per-share basis.

Camden Natl Corp Financials

CAC

Source SEC Filings (10-K/10-Q) Updated Dec 31, 2025 Currency USD FYE December

This page shows Camden Natl Corp (CAC) financial statements, including the income statement, balance sheet, cash flow statement, and key financial ratios. View 17 years of annual fundamentals and quarterly data, with year-over-year growth rates and compound annual growth rates (CAGR). All figures are derived from SEC filings (10-K and 10-Q reports).

Financial Health Signals

Financial Profile 48/100

Based on FY2025 annual data. Scores normalized against common benchmarks. How we calculate these scores

Growth

Camden Natl Corp's revenue surged 17.0% year-over-year to $41.7M, reflecting rapid business expansion. This strong growth earns a score of 62/100.

Leverage

Camden Natl Corp has elevated debt relative to equity (D/E of 9.01), meaning the company relies heavily on borrowed funds. This high leverage results in a low score of 0/100, reflecting increased financial risk.

Cash Flow

100

Camden Natl Corp converts 139.5% of revenue into free cash flow ($58.2M). This strong cash generation earns a score of 100/100.

Returns

Camden Natl Corp's ROE of 9.3% shows moderate profitability relative to equity, earning a score of 32/100. This is down from 10.0% the prior year.

Piotroski F-Score Weak

3/9

Camden Natl Corp passes 3 of 9 financial strength tests. 3 of 4 profitability signals pass, no leverage/liquidity signals pass (rising debt, declining liquidity, or share dilution), neither operating efficiency signal passes.

Earnings Quality Mixed

0.98x

For every $1 of reported earnings, Camden Natl Corp generates $0.98 in operating cash flow ($63.9M OCF vs $65.2M net income). This mixed ratio suggests some earnings may rely on non-cash accounting items.

Key Financial Metrics

Export CSV

Earnings & Revenue

Revenue

$41.7M

YoY+17.0%

5Y CAGR+8.5%

10Y CAGR-8.3%

Camden Natl Corp generated $41.7M in revenue in fiscal year 2025. This represents an increase of 17.0% from the prior year.

EBITDA

N/A

Net Income

$65.2M

YoY+22.9%

5Y CAGR+1.8%

10Y CAGR+12.0%

Camden Natl Corp reported $65.2M in net income in fiscal year 2025. This represents an increase of 22.9% from the prior year.

EPS (Diluted)

$3.84

YoY+6.1%

5Y CAGR-0.6%

10Y CAGR+8.3%

Camden Natl Corp earned $3.84 per diluted share (EPS) in fiscal year 2025. This represents an increase of 6.1% from the prior year.

Cash & Balance Sheet

Free Cash Flow

$58.2M

YoY+5.1%

5Y CAGR+30.6%

10Y CAGR+16.4%

Camden Natl Corp generated $58.2M in free cash flow in fiscal year 2025, representing cash available after capex. This represents an increase of 5.1% from the prior year.

Cash & Debt

$97.5M

YoY-54.6%

5Y CAGR-7.7%

10Y CAGR+2.1%

Camden Natl Corp held $97.5M in cash against $0 in long-term debt as of fiscal year 2025.

Dividends Per Share

$1.68

YoY+0.0%

5Y CAGR+4.9%

10Y CAGR+7.7%

Camden Natl Corp paid $1.68 per share in dividends in fiscal year 2025. This represents an increase of 0.0% from the prior year.

Shares Outstanding

17M

YoY+16.1%

5Y CAGR+2.6%

10Y CAGR+1.0%

Camden Natl Corp had 17M shares outstanding in fiscal year 2025. This represents an increase of 16.1% from the prior year.

Margins & Returns

Gross Margin

N/A

Operating Margin

N/A

Net Margin

156.1%

YoY+7.6pp

5Y CAGR-58.4pp

10Y CAGR+135.0pp

Camden Natl Corp's net profit margin was 156.1% in fiscal year 2025, showing the share of revenue converted to profit. This is up 7.6 percentage points from the prior year.

Return on Equity

9.3%

YoY-0.6pp

5Y CAGR-1.9pp

10Y CAGR+3.6pp

Camden Natl Corp's ROE was 9.3% in fiscal year 2025, measuring profit generated per dollar of shareholder equity. This is down 0.6 percentage points from the prior year.

Capital Allocation

R&D Spending

N/A

Share Buybacks

YoY-100.0%

Camden Natl Corp spent $0 on share buybacks in fiscal year 2025, returning capital to shareholders by reducing shares outstanding. This represents a decrease of 100.0% from the prior year.

Capital Expenditures

$5.7M

YoY+2.4%

5Y CAGR+14.3%

10Y CAGR+6.0%

Camden Natl Corp invested $5.7M in capex in fiscal year 2025, funding long-term assets and infrastructure. This represents an increase of 2.4% from the prior year.

CAC Income Statement

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Revenue	$41.7M+17.0%	$35.7M+6.3%	$33.6M+0.9%	$33.3M+4.1%	$32.0M+15.2%	$27.7M
Cost of Revenue	N/A	N/A	N/A	N/A	N/A	N/A
Gross Profit	N/A	N/A	N/A	N/A	N/A	N/A
R&D Expenses	N/A	N/A	N/A	N/A	N/A	N/A
SG&A Expenses	N/A	N/A	N/A	N/A	N/A	N/A
Operating Income	N/A	N/A	N/A	N/A	N/A	N/A
Interest Expense	$117.4M+0.3%	$117.1M+24.6%	$94.0M+274.5%	$25.1M+127.1%	$11.0M-47.1%	$20.9M
Income Tax	$13.5M+8.3%	$12.5M+19.2%	$10.5M-33.0%	$15.6M-11.5%	$17.6M+18.2%	$14.9M
Net Income	$65.2M+22.9%	$53.0M+22.2%	$43.4M-29.4%	$61.4M-11.0%	$69.0M+16.0%	$59.5M
EPS (Diluted)	$3.84+6.1%	$3.62+21.9%	$2.97-28.8%	$4.17-9.3%	$4.60+16.5%	$3.95

Metric	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24	Q1'24
Revenue	$11.3M+7.1%	$10.6M+1.9%	$10.4M+8.8%	$9.5M+1.5%	$9.4M+3.3%	$9.1M+1.7%	$8.9M+7.4%	$8.3M
Cost of Revenue	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Gross Profit	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
R&D Expenses	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
SG&A Expenses	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Operating Income	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Interest Expense	$28.1M-5.1%	$29.6M-1.6%	$30.1M+2.0%	$29.5M+5.2%	$28.1M-6.8%	$30.1M+0.5%	$30.0M+3.7%	$28.9M
Income Tax	$5.7M+6.8%	$5.3M+44.2%	$3.7M+419.4%	-$1.2M-130.8%	$3.7M+34.3%	$2.8M-3.3%	$2.9M-6.1%	$3.1M
Net Income	$22.6M+6.4%	$21.2M+50.5%	$14.1M+92.2%	$7.3M-50.0%	$14.7M+12.2%	$13.1M+9.0%	$12.0M-9.6%	$13.3M
EPS (Diluted)	N/A	$1.25+50.6%	$0.83+93.0%	$0.43	N/A	$0.90+11.1%	$0.81-11.0%	$0.91

CAC Balance Sheet

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Total Assets	$7.0B+20.1%	$5.8B+1.6%	$5.7B+0.8%	$5.7B+3.1%	$5.5B+12.3%	$4.9B
Current Assets	N/A	N/A	N/A	N/A	N/A	N/A
Cash & Equivalents	$97.5M-54.6%	$215.0M+115.4%	$99.8M+32.3%	$75.4M-65.8%	$220.6M+51.3%	$145.8M
Inventory	N/A	N/A	N/A	N/A	N/A	N/A
Accounts Receivable	N/A	N/A	N/A	N/A	N/A	N/A
Goodwill	$151.5M+60.0%	$94.7M0.0%	$94.7M0.0%	$94.7M0.0%	$94.7M0.0%	$94.7M
Total Liabilities	$6.3B+19.0%	$5.3B+1.0%	$5.2B0.0%	$5.2B+5.3%	$5.0B+13.5%	$4.4B
Current Liabilities	N/A	N/A	N/A	N/A	N/A	N/A
Long-Term Debt	N/A	N/A	N/A	N/A	N/A	$25.0M
Total Equity	$696.6M+31.1%	$531.2M+7.3%	$495.1M+9.7%	$451.3M-16.6%	$541.3M+2.3%	$529.3M
Retained Earnings	$545.1M+7.0%	$509.5M+5.9%	$481.0M+4.1%	$462.2M+8.9%	$424.4M+12.4%	$377.5M

Metric	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24	Q1'24
Total Assets	$7.0B-0.1%	$7.0B+0.9%	$6.9B-0.6%	$7.0B+20.0%	$5.8B+1.0%	$5.7B+0.4%	$5.7B-1.2%	$5.8B
Current Assets	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Cash & Equivalents	$97.5M-1.4%	$98.8M-13.2%	$113.8M-48.1%	$219.4M+2.1%	$215.0M+54.1%	$139.5M+32.2%	$105.6M-40.3%	$176.7M
Inventory	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Accounts Receivable	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Goodwill	$151.5M0.0%	$151.5M0.0%	$151.5M-1.5%	$153.8M+62.4%	$94.7M0.0%	$94.7M0.0%	$94.7M0.0%	$94.7M
Total Liabilities	$6.3B-0.4%	$6.3B+0.6%	$6.3B-0.9%	$6.3B+19.9%	$5.3B+1.1%	$5.2B0.0%	$5.2B-1.5%	$5.3B
Current Liabilities	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Long-Term Debt	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Total Equity	$696.6M+3.0%	$676.4M+3.7%	$652.1M+1.9%	$640.1M+20.5%	$531.2M+0.3%	$529.9M+4.3%	$508.3M+1.3%	$501.6M
Retained Earnings	$545.1M+2.9%	$529.7M+2.7%	$515.7M+1.4%	$508.7M-0.1%	$509.5M+1.7%	$500.9M+1.4%	$494.0M+1.2%	$488.1M

CAC Cash Flow Statement

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Operating Cash Flow	$63.9M+4.9%	$60.9M-9.7%	$67.5M-35.8%	$105.2M-26.3%	$142.7M+682.9%	$18.2M
Capital Expenditures	$5.7M+2.4%	$5.6M+112.7%	$2.6M+20.1%	$2.2M+17.9%	$1.9M-36.7%	$2.9M
Free Cash Flow	$58.2M+5.1%	$55.4M-14.7%	$64.9M-37.0%	$103.0M-26.9%	$140.9M+820.4%	$15.3M
Investing Cash Flow	-$56.4M-286.0%	$30.3M+531.5%	-$7.0M+98.6%	-$487.7M+24.9%	-$649.1M-120.4%	-$294.5M
Financing Cash Flow	-$125.0M-622.9%	$23.9M+166.2%	-$36.1M-115.2%	$237.3M-59.2%	$581.2M+67.8%	$346.4M
Dividends Paid	$28.5M+15.9%	$24.6M+0.1%	$24.5M+4.4%	$23.5M+11.5%	$21.1M+6.2%	$19.8M
Share Buybacks	$0-100.0%	$1.6M-19.6%	$2.0M-80.5%	$10.2M+1.5%	$10.1M+4.1%	$9.7M

Metric	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24	Q1'24
Operating Cash Flow	$20.8M-42.5%	$36.1M+498.4%	$6.0M+483.4%	$1.0M-97.6%	$43.2M+397.8%	-$14.5M-200.1%	$14.5M-18.4%	$17.8M
Capital Expenditures	$1.8M+157.2%	$689K-53.6%	$1.5M-15.6%	$1.8M-13.3%	$2.0M+18.8%	$1.7M+32.8%	$1.3M+136.3%	$545K
Free Cash Flow	$19.0M-46.4%	$35.4M+678.9%	$4.5M+725.3%	-$727K-101.8%	$41.2M+353.8%	-$16.2M-222.8%	$13.2M-23.3%	$17.2M
Investing Cash Flow	$16.8M+120.5%	-$82.0M-54.1%	-$53.2M-185.9%	$62.0M+1844.5%	-$3.6M-111.9%	$29.8M+235.9%	$8.9M+285.4%	-$4.8M
Financing Cash Flow	-$38.9M-225.9%	$30.9M+152.9%	-$58.4M+0.2%	-$58.5M-263.5%	$35.8M+91.9%	$18.7M+119.7%	-$94.5M-247.8%	$63.9M
Dividends Paid	$7.1M0.0%	$7.1M+0.2%	$7.1M+0.3%	$7.1M+15.5%	$6.1M+0.1%	$6.1M0.0%	$6.1M+0.1%	$6.1M
Share Buybacks	$0	$0	N/A	N/A	-$37K	$0	N/A	N/A

CAC Financial Ratios

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Gross Margin	N/A	N/A	N/A	N/A	N/A	N/A
Operating Margin	N/A	N/A	N/A	N/A	N/A	N/A
Net Margin	156.1%+7.6pp	148.5%+19.3pp	129.2%-55.4pp	184.7%-31.3pp	216.0%+1.5pp	214.5%
Return on Equity	9.3%-0.6pp	10.0%+1.2pp	8.8%-4.9pp	13.6%+0.9pp	12.8%+1.5pp	11.2%
Return on Assets	0.9%+0.0pp	0.9%+0.2pp	0.8%-0.3pp	1.1%-0.2pp	1.3%+0.0pp	1.2%
Current Ratio	N/A	N/A	N/A	N/A	N/A	N/A
Debt-to-Equity	9.01-0.9	9.93-0.6	10.54-1.0	11.57+2.4	9.16+9.1	0.05
FCF Margin	139.5%-15.7pp	155.1%-38.2pp	193.3%-116.2pp	309.6%-131.3pp	440.8%+385.6pp	55.2%

Metric	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24	Q1'24
Gross Margin	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Operating Margin	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Net Margin	199.5%-1.3pp	200.8%+64.9pp	135.9%+59.0pp	77.0%-79.5pp	156.4%+12.4pp	144.0%+9.7pp	134.3%-25.4pp	159.7%
Return on Equity	3.2%+0.1pp	3.1%+1.0pp	2.2%+1.0pp	1.1%-1.6pp	2.8%+0.3pp	2.5%+0.1pp	2.4%-0.3pp	2.6%
Return on Assets	0.3%+0.0pp	0.3%+0.1pp	0.2%+0.1pp	0.1%-0.1pp	0.3%+0.0pp	0.2%+0.0pp	0.2%-0.0pp	0.2%
Current Ratio	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Debt-to-Equity	9.01-0.3	9.32-0.3	9.61-0.3	9.88-0.0	9.93+0.1	9.84-0.4	10.26-0.3	10.55
FCF Margin	167.8%-167.7pp	335.5%+291.6pp	43.9%+51.5pp	-7.6%-446.6pp	439.0%+617.6pp	-178.7%-326.5pp	147.9%-59.3pp	207.2%

Similar Companies

Great Southn Bancorp Inc GSBC

$702.5M

First Financial Corp THFF

$760.4M

Independent Bk Corp Mich IBCP

$691.9M

South Plains Financial SPFI

$685.9M

NB Bancorp NBBK

$976.0M

Frequently Asked Questions

What is Camden Natl Corp's annual revenue?

Camden Natl Corp (CAC) reported $41.7M in total revenue for fiscal year 2025. This represents a 17.0% change compared to the previous fiscal year. Revenue measures the total income earned from the company's primary business operations before any expenses are deducted.

How fast is Camden Natl Corp's revenue growing?

Camden Natl Corp (CAC) revenue grew by 17% year-over-year, from $35.7M to $41.7M in fiscal year 2025.

Is Camden Natl Corp profitable?

Yes, Camden Natl Corp (CAC) reported a net income of $65.2M in fiscal year 2025, with a net profit margin of 156.1%.

What is Camden Natl Corp's net profit margin?

Camden Natl Corp (CAC) had a net profit margin of 156.1% in fiscal year 2025, representing the share of revenue converted into profit after all expenses.

Does Camden Natl Corp pay dividends?

Yes, Camden Natl Corp (CAC) paid $1.68 per share in dividends during fiscal year 2025.

What is Camden Natl Corp's return on equity (ROE)?

Camden Natl Corp (CAC) has a return on equity of 9.3% for fiscal year 2025, measuring how efficiently the company generates profit from shareholder equity.

What is Camden Natl Corp's free cash flow?

Camden Natl Corp (CAC) generated $58.2M in free cash flow during fiscal year 2025. This represents a 5.1% change compared to the previous fiscal year. Free cash flow represents the cash a company generates after accounting for capital expenditures, and is widely used to assess financial flexibility and shareholder value.

What is Camden Natl Corp's operating cash flow?

Camden Natl Corp (CAC) generated $63.9M in operating cash flow during fiscal year 2025, representing cash generated from core business activities.

What are Camden Natl Corp's total assets?

Camden Natl Corp (CAC) had $7.0B in total assets as of fiscal year 2025, including both current and long-term assets.

What are Camden Natl Corp's capital expenditures?

Camden Natl Corp (CAC) invested $5.7M in capital expenditures during fiscal year 2025, funding long-term assets and infrastructure.

How many shares does Camden Natl Corp have outstanding?

Camden Natl Corp (CAC) had 17M shares outstanding as of fiscal year 2025.

What is Camden Natl Corp's debt-to-equity ratio?

Camden Natl Corp (CAC) had a debt-to-equity ratio of 9.01 as of fiscal year 2025, measuring the company's financial leverage by comparing total debt to shareholder equity.

What is Camden Natl Corp's return on assets (ROA)?

Camden Natl Corp (CAC) had a return on assets of 0.9% for fiscal year 2025, measuring how efficiently the company uses its assets to generate profit.

What is Camden Natl Corp's Piotroski F-Score?

Camden Natl Corp (CAC) has a Piotroski F-Score of 3 out of 9, indicating weak financial health. The F-Score evaluates nine binary signals across profitability (positive ROA, positive cash flow, improving ROA, earnings quality), leverage (decreasing debt, improving liquidity, no share dilution), and operating efficiency (improving gross margin, improving asset turnover). Scores of 7–9 indicate strong and improving fundamentals. Learn more in our complete guide to financial health indicators.

Are Camden Natl Corp's earnings high quality?

Camden Natl Corp (CAC) has an earnings quality ratio of 0.98x, considered mixed quality. This ratio compares operating cash flow to net income. A ratio above 1.0x means the company generates more cash than its reported earnings, indicating sustainable, cash-backed profits. Ratios below 1.0x suggest earnings rely on accounting accruals rather than actual cash generation. Learn more in our complete guide to financial health indicators.

How financially healthy is Camden Natl Corp?

Camden Natl Corp (CAC) scores 48 out of 100 on our Financial Profile, indicating moderate overall financial health. This composite score evaluates six dimensions: profitability (operating margin), revenue growth, leverage (debt-to-equity), liquidity (current ratio), cash flow quality (free cash flow margin), and shareholder returns (return on equity). Each dimension is normalized against standard financial benchmarks. Learn more in our complete guide to financial health indicators.