Morningstar ID: 0P00000116
Exchange: NASDAQ-GS
Sector: Financial Services
Industry: Banks - Regional
Stock Style: Small Value
description: 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.
(Generated: 2025-06-23 23:57:15)
| Income Statement As of Originally Reported | 2015 | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 111670000 | 148890000 | 151140000 | 155360000 | 166130000 | 183040000 | 182860000 | 183790000 | 156330000 | 172620000 | 189740000 |
| Revenue Growth % | 12.90 | 32.94 | 1.50 | 2.79 | 6.91 | 10.18 | -0.10 | 0.51 | -14.94 | 10.41 | 21.26 |
| Gross Profit | |||||||||||
| Gross Profit Margin % | - | - | - | - | - | - | - | - | - | - | - |
| Operating Income | |||||||||||
| Operating Margin % | - | - | - | - | - | - | - | - | - | - | - |
| EBIT | |||||||||||
| EBIT Margin % | - | - | - | - | - | - | - | - | - | - | - |
| EBITDA | |||||||||||
| EBITDA Margin % | - | - | - | - | - | - | - | - | - | - | - |
| Net Income | 20890000 | 39880000 | 28360000 | 52920000 | 57080000 | 59340000 | 68820000 | 61280000 | 43330000 | 52990000 | 47060000 |
| Net Profit Margin % | 18.76 | 26.91 | 18.84 | 34.16 | 34.43 | 32.50 | 37.74 | 33.43 | 27.75 | 30.71 | 24.80 |
| Basic EPS | 1.73 | 2.59 | 1.83 | 3.40 | 3.70 | 3.96 | 4.62 | 4.18 | 2.98 | 3.63 | 3.16 |
| Diluted EPS | 1.73 | 2.57 | 1.82 | 3.39 | 3.69 | 3.95 | 4.60 | 4.17 | 2.97 | 3.62 | 3.14 |
| Normalized EPS | - | - | - | 3.39 | 3.69 | 3.95 | 4.60 | 4.21 | 3.63 | 3.68 | 3.77 |
| Dividend Per Share | 0.80 | 0.80 | 0.92 | 1.10 | 1.20 | 1.32 | 1.41 | 1.60 | 1.68 | 1.68 | 1.68 |
| Balance Sheet As of Originally Reported | 2015 | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | Last Quarter |
| Total Assets | 3710000000 | 3860000000 | 4070000000 | 4300000000 | 4430000000 | 4900000000 | 5500000000 | 5670000000 | 5710000000 | 5810000000 | 6960000000 |
| Total Liabilities | 3350000000 | 3470000000 | 3660000000 | 3860000000 | 3960000000 | 4370000000 | 4960000000 | 5220000000 | 5220000000 | 5270000000 | 6320000000 |
| Total Debt | 3300000000 | 3430000000 | 3610000000 | 3810000000 | 3880000000 | 4250000000 | 4860000000 | 5140000000 | 5130000000 | 5180000000 | 6230000000 |
| Total Equity | 360000000 | 390000000 | 400000000 | 440000000 | 470000000 | 530000000 | 540000000 | 450000000 | 500000000 | 530000000 | 640000000 |
| Cash And Cash Equivalents | 80000000 | 90000000 | 100000000 | 70000000 | 80000000 | 150000000 | 220000000 | 80000000 | 100000000 | 210000000 | 220000000 |
| Working Capital | |||||||||||
| Shares Outstanding Capital | 20000000 | 20000000 | 20000000 | 20000000 | 20000000 | 10000000 | 10000000 | 10000000 | 10000000 | 10000000 | 10000000 |
| Book Value per Share | 23.69 | 25.30 | 25.99 | 27.95 | 31.26 | 35.50 | 36.72 | 30.98 | 33.99 | 36.44 | 37.91 |
| Debt to Equity | 9.08 | 8.76 | 8.95 | 8.73 | 8.19 | 8.03 | 8.99 | 11.38 | 10.36 | 9.75 | 9.73 |
| Cash Flow As of Originally Reported | 2015 | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | TTM |
| Cash From Operating Activities | 15920000 | 57420000 | 58330000 | 64330000 | 32870000 | 18230000 | 142720000 | 105180000 | 67510000 | 60930000 | 44210000 |
| Cash From Investing Activities | -54740000 | -167950000 | -212130000 | -276780000 | -55840000 | -294450000 | -649090000 | -487720000 | -7030000 | 30330000 | 97080000 |
| Cash From Financing Activities | 57500000 | 118750000 | 169060000 | 176470000 | 31600000 | 346360000 | 581230000 | 237340000 | -36100000 | 23900000 | -98590000 |
| Capital Expenditure | 3190000 | 1670000 | 2840000 | 5020000 | 4270000 | 2930000 | 1850000 | 2180000 | 2620000 | 5580000 | 6790000 |
| Free Cash Flow | 18360000 | 45750000 | 42180000 | 59390000 | 56190000 | 50190000 | 111450000 | 77000000 | 58510000 | 55010000 | 54770000 |
| Change in Cash | 18680000 | 8220000 | 15260000 | -35970000 | 8640000 | 70140000 | 74850000 | -145200000 | 24380000 | 115160000 | 42700000 |
| Unnamed: 0 | 2015-12 | 2016-12 | 2017-12 | 2018-12 | 2019-12 | 2020-12 | 2021-12 | 2022-12 | 2023-12 | 2024-12 | Latest Qtr |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue % | |||||||||||
| Year Over Year | 13.26 | 33.34 | 1.51 | 2.79 | 6.94 | 10.18 | -0.10 | 0.51 | -14.94 | 10.41 | 41.52 |
| 3-Year Average | 5.35 | 14.80 | 15.30 | 11.64 | 3.72 | 6.59 | 5.58 | 3.43 | -5.12 | -1.90 | - |
| 5-Year Average | 3.21 | 8.64 | 9.62 | 9.56 | 11.00 | 10.39 | 4.20 | 3.99 | 0.13 | 0.77 | - |
| 10-Year Average | 5.55 | 8.51 | 9.23 | 8.00 | 6.04 | 6.74 | 6.39 | 6.77 | 4.74 | 5.76 | - |
| Operating Income % | |||||||||||
| Year Over Year | - | - | - | - | - | - | - | - | - | - | - |
| 3-Year Average | - | - | - | - | - | - | - | - | - | - | - |
| 5-Year Average | - | - | - | - | - | - | - | - | - | - | - |
| 10-Year Average | - | - | - | - | - | - | - | - | - | - | - |
| Net Income % | |||||||||||
| Year Over Year | -14.73 | 91.23 | -28.93 | 86.37 | 7.79 | 3.99 | 16.02 | -10.98 | -29.39 | 22.18 | -44.80 |
| 3-Year Average | -3.65 | 20.71 | 5.04 | 36.32 | 12.60 | 27.83 | 9.15 | 2.41 | -9.99 | -8.42 | - |
| 5-Year Average | -3.29 | 8.89 | 3.98 | 18.43 | 18.41 | 23.21 | 11.49 | 16.63 | -3.95 | -1.51 | - |
| 10-Year Average | -0.20 | 7.05 | 3.45 | 13.22 | 9.65 | 9.16 | 10.18 | 10.12 | 6.65 | 7.99 | - |
| EPS % | |||||||||||
| Year Over Year | -20.73 | 48.27 | -29.18 | 86.26 | 8.85 | 7.05 | 16.46 | -9.35 | -28.78 | 21.89 | -52.75 |
| 3-Year Average | -5.18 | 9.08 | -5.93 | 25.06 | 12.81 | 29.47 | 10.71 | 4.16 | -9.07 | -7.68 | - |
| 5-Year Average | -4.25 | 2.48 | -2.19 | 11.35 | 11.03 | 17.91 | 12.35 | 18.04 | -2.61 | -0.38 | - |
| 10-Year Average | -0.74 | 2.78 | -1.23 | 9.78 | 6.42 | 6.25 | 7.30 | 7.45 | 4.14 | 5.17 | - |
| Cash Flow Ratios | 2015-12 | 2016-12 | 2017-12 | 2018-12 | 2019-12 | 2020-12 | 2021-12 | 2022-12 | 2023-12 | 2024-12 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Operating Cash Flow Growth % YOY | -46.74 | 260.71 | 1.6 | 10.29 | -48.91 | -44.54 | 682.86 | -26.3 | -35.82 | -9.74 | - |
| Free Cash Flow Growth % YOY | -55.45 | 337.95 | -0.46 | 6.89 | -51.77 | -46.5 | 820.44 | -26.88 | -37.0 | -14.69 | - |
| Free Cash Flow/Sales % | 11.4 | 37.44 | 36.71 | 38.18 | 17.22 | 8.36 | 77.03 | 56.04 | 41.5 | 32.07 | 19.72 |
| Free Cash Flow/Net Income | 0.61 | 1.39 | 1.95 | 1.12 | 0.5 | 0.26 | 2.04 | 1.68 | 1.5 | 1.04 | 0.80 |
| Free Cash Flow/Share | 2.43 | 1.59 | 4.13 | 4.23 | 0.59 | 1.3 | 8.94 | 7.73 | 6.62 | 0.14 | 3.78 |
| Liquidity/Financial Health | 2015-12 | 2016-12 | 2017-12 | 2018-12 | 2019-12 | 2020-12 | 2021-12 | 2022-12 | 2023-12 | 2024-12 | Latest Qtr |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Current Ratio | - | - | - | - | - | - | - | - | - | - | - |
| Quick Ratio | - | - | - | - | - | - | - | - | - | - | - |
| Interest Coverage | - | - | - | - | - | - | - | - | - | - | - |
| Financial Leverage | 10.21 | 9.87 | 10.08 | 9.86 | 9.36 | 9.25 | 10.16 | 12.57 | 11.54 | 10.93 | 10.88 |
| Debt/Equity | 0.32 | 0.18 | 0.17 | 0.16 | 0.15 | 0.16 | 0.08 | 0.10 | 0.09 | 0.08 | 0.10 |
| Book Value/Share | 16.92 | 25.41 | 26.69 | 26.78 | 31.14 | 34.71 | 37.04 | 29.59 | 31.81 | 36.35 | 31.46 |
| Cap Ex as a % of Sales | 2.86 | 1.12 | 1.88 | 3.23 | 2.57 | 1.60 | 1.01 | 1.19 | 1.68 | 3.23 | 3.58 |
| Fiscal | 2015 | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | Current | 5-Yr |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Return on Asset % | 0.64 | 1.05 | 0.72 | 1.27 | 1.31 | 1.27 | 1.32 | 1.10 | 0.76 | 0.92 | 0.74 | 1.0 |
| Return on Equity % | 6.87 | 10.57 | 7.13 | 12.61 | 12.56 | 11.84 | 12.86 | 12.35 | 9.16 | 10.33 | 8.24 | 9.95 |
| Return on Invested Capital % | - | - | - | - | - | - | - | - | - | - | - | 0.0 |
| Days Sales Outstanding | - | - | - | - | - | - | - | - | - | - | - | 0.0 |
| Days Inventory | - | - | - | - | - | - | - | - | - | - | - | 0.0 |
| Payables Period | - | - | - | - | - | - | - | - | - | - | - | 0.0 |
| Cash Conversion Cycle | - | - | - | - | - | - | - | - | - | - | - | 0.0 |
| Recieveables Turnover | - | - | - | - | - | - | - | - | - | - | - | 0.0 |
| Inventory Turnover | - | - | - | - | - | - | - | - | - | - | - | 0.0 |
| Fixed Assets Turnover | 3.20 | 3.35 | 3.57 | 3.68 | 3.94 | 4.48 | 4.71 | 4.98 | 4.40 | 4.79 | 4.31 | 3.55 |
| Asset Turnover | 0.03 | 0.04 | 0.04 | 0.04 | 0.04 | 0.04 | 0.04 | 0.03 | 0.03 | 0.03 | 0.03 | 0.04 |
