CAC
Financial ServicesCamden National Corporation · Banks - Regional · $830M
What is Camden National Corporation?
Camden National Corporation is a Maine-based bank holding company with roots stretching back to 1875. Through Camden National Bank, it serves consumers, businesses, municipalities, and nonprofits across northern New England.
Camden National Bank generates revenue primarily through traditional lending and deposit-gathering activities. It originates commercial real estate loans, residential mortgages, consumer loans, and SBA-backed business loans. Beyond core banking, the company earns fee income through wealth management, fiduciary services, investment management, and brokerage and insurance offerings. Its branch network spans Maine and extends into New Hampshire, complemented by a digital mortgage platform that broadens its geographic reach.
Incorporated in its current holding company form in 1997, Camden National is headquartered in Camden, Maine.
- Commercial and consumer deposit accounts
- Commercial real estate and SBA-backed business loans
- Residential mortgage and home equity lending
- Wealth management and fiduciary services
- Brokerage, insurance, and annuity products
Is CAC a Good Stock to Buy?
UQS Score rates CAC as Below Average overall, reflecting a mixed profile across its five analytical pillars.
Valuation stands out as the most favorable dimension — CAC appears attractively priced relative to its fundamentals, which may interest value-oriented investors. Quality, Growth, and Risk each register as Neutral, suggesting the bank operates with reasonable stability without standing out in any of those areas.
The Moat pillar is rated Weak, indicating limited competitive differentiation — a common challenge for community banks competing against larger regional and national institutions.
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Past performance does not guarantee future results. UQS Score is based on fundamental data and is not a buy/sell recommendation.
Does CAC pay dividends?
Yes — Camden National Corporation pays a dividend.
Camden National pays a regular dividend, consistent with the income-oriented tradition of community banking. The company has maintained this practice as a way to return capital to shareholders while sustaining its lending operations. Investors seeking steady income from financial-sector holdings often consider dividend-paying community banks like CAC as part of a diversified portfolio.
When does CAC report earnings?
Camden National Corporation reports earnings on a quarterly cadence, typical for US-listed bank holding companies.
As a community bank, CAC's quarterly results tend to reflect net interest margin trends, loan growth, and credit quality — all of which shift with the broader interest rate environment. The bank's regional concentration in Maine means local economic conditions also play a meaningful role in performance.
For the most recent quarter's results and guidance, visit Camden National Corporation's investor relations page.
CAC Price History
+27.2% over 5Y
Monthly close, adjusted for stock splits and dividend reinvestment.
What if I invested in Camden National Corporation?
Based on Camden National Corporation's historical closing prices, adjusted for stock splits and dividend reinvestment. Past performance does not guarantee future results. This is for informational purposes only and is not financial advice.
CAC Long-term Outlook
With Growth and Risk both rated Neutral, Camden National's fundamental outlook appears steady rather than expansionary. The bank is unlikely to deliver outsized earnings acceleration in the near term, but its risk profile does not signal acute stress either. The Attractive Valuation rating suggests the market may not be fully pricing in the bank's earnings power, which could be a tailwind if operating conditions stabilize. The Weak Moat rating, however, remains a structural headwind to long-run outperformance.
Growth drivers
- Expansion of digital mortgage and small-business lending platforms
- Fee income growth from wealth management and fiduciary services
- Potential benefit from a stabilizing interest rate environment
Key risks
- Limited competitive moat against larger regional banks
- Geographic concentration in Maine's slower-growth economy
- Interest rate sensitivity affecting net interest margin
CAC vs Peers
Camden National operates in a crowded community and regional banking landscape alongside several peers of varying size and focus.
Mid Penn is a Pennsylvania-based community bank that has pursued an active acquisition strategy to expand its mid-Atlantic footprint, contrasting with CAC's more organic, New England-focused growth.
Grupo Supervielle operates in Argentina's banking market, giving it a very different risk and growth profile driven by emerging-market dynamics rather than the stable New England economy CAC serves.
Five Star Bancorp is a California-based commercial bank with a concentrated focus on commercial real estate lending, differentiating it from CAC's broader consumer and municipal banking mix.
Frequently Asked Questions
What does Camden National Corporation do?
Camden National Corporation is the holding company for Camden National Bank, which provides commercial and consumer banking services across Maine and New Hampshire. It offers loans, deposit accounts, wealth management, fiduciary services, and brokerage products to individuals, businesses, municipalities, and nonprofits.
Does CAC pay dividends?
Yes, Camden National pays a regular dividend. The company has maintained a dividend program consistent with its community banking model, making it a consideration for income-focused investors in the financial services sector. Check the company's investor relations page for the current dividend rate and payment schedule.
When does CAC report earnings?
Camden National reports financial results on a quarterly basis, in line with standard practice for US-listed bank holding companies. For the exact dates of upcoming earnings releases, refer to Camden National's investor relations page or financial calendar.
Is CAC a good stock to buy?
UQS Score rates CAC as Below Average overall. The Valuation pillar is Attractive, which may appeal to value-oriented investors, but the Weak Moat rating highlights limited competitive differentiation. Whether CAC fits a portfolio depends on an investor's own goals and risk tolerance — the full pillar breakdown is available to UQS Pro members.
Is CAC overvalued?
Based on the UQS Valuation pillar, CAC is rated Attractive, suggesting the stock is not overvalued relative to its fundamentals. Community banks can trade at discounts when growth prospects are modest, and CAC's current valuation profile reflects that dynamic. Pro members can view the detailed valuation metrics behind this rating.
How does CAC compare to its competitors?
Compared to peers like Mid Penn Bancorp, Five Star Bancorp, and Grupo Supervielle, Camden National is distinguished by its deep New England community focus and diversified fee-income streams through wealth management. Its Attractive Valuation may compare favorably, though its Weak Moat reflects the competitive pressures common across community banking.
What is CAC's market cap bracket?
Camden National Corporation is classified as a small-cap stock. This places it in the tier of smaller publicly traded companies, which typically carry different liquidity and volatility characteristics compared to large-cap or mega-cap financial institutions.
Who founded Camden National Corporation?
Camden National Bank traces its origins to 1875, making it one of Maine's longest-standing financial institutions. The holding company structure was established later. For detailed founding history, Camden National's official website and annual reports provide comprehensive background.
Is CAC a long-term quality investment?
As a long-term quality indicator, CAC's UQS profile is mixed. The Neutral ratings across Quality, Growth, and Risk suggest operational steadiness, while the Weak Moat raises questions about durable competitive advantage over time. The Attractive Valuation could provide a margin of safety, but long-term quality investors should weigh the full pillar analysis available to Pro members.
What is the main competitive advantage of Camden National?
Camden National's primary advantages are its deep community relationships across Maine and its diversified revenue mix, which includes wealth management and fiduciary services alongside traditional banking. However, the UQS Moat pillar rates these advantages as Weak relative to the broader financial services sector, reflecting the structural challenges community banks face.
What sector does CAC belong to?
CAC operates in the Financial Services sector, specifically within community and regional banking. This sector is sensitive to interest rate movements, credit cycles, and regulatory changes — all factors that influence Camden National's earnings and risk profile.
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Pro Analysis
CAC — Score History
| Date | UQS | Quality | Moat | Growth | Risk | Value | Change |
|---|---|---|---|---|---|---|---|
| May 19, 2026 | 55.3 | 77.8 | 21.0 | 49.3 | 49.5 | 88.5 | 0.0 |
| May 16, 2026 | 55.3 | 77.8 | 21.0 | 49.3 | 49.5 | 88.8 | 0.0 |
| May 12, 2026 | 55.3 | 77.8 | 21.0 | 49.3 | 49.5 | 88.4 | +0.1 |
| May 11, 2026 | 55.2 | 77.8 | 21.0 | 49.3 | 49.5 | 88.1 | +0.2 |
| May 10, 2026 | 55.0 | 77.8 | 21.0 | 49.3 | 49.5 | 86.8 | +8.2 |
| May 9, 2026 | 46.8 | 77.8 | 21.0 | 10.0 | 49.5 | 84.4 | -8.3 |
| May 8, 2026 | 55.1 | 77.8 | 21.0 | 49.3 | 49.5 | 87.4 | +3.5 |
| May 3, 2026 | 51.6 | 61.2 | 21.0 | 49.3 | 49.5 | 92.0 | +1.8 |
| May 1, 2026 | 49.8 | 56.3 | 21.0 | 49.3 | 49.5 | 87.7 | +2.9 |
| Apr 26, 2026 | 46.9 | 50.0 | 21.0 | 49.3 | 41.6 | 87.3 | -0.2 |
CAC — Pillar Breakdown
Quality
— 77.8/100 (25%)Camden National Corporation demonstrates outstanding capital efficiency and profitability, placing it among the highest-quality businesses in the market.
Profitability relative to shareholders' equity.
Ability to convert revenue into operating profit.
Bottom-line profit as a share of revenue.
Free cash flow relative to market value.
Growth
— 49.3/100 (20%)Camden National Corporation shows steady but unspectacular growth, typical for mature companies.
Revenue trajectory over the last twelve months.
Compound annual revenue growth rate over 3 years.
Year-over-year earnings per share growth.
Analyst consensus for future revenue growth.
Analyst consensus for future earnings growth.
Risk
— 49.5/100 (15%)Camden National Corporation has some risk factors including moderate leverage or solvency concerns.
Total debt relative to shareholder equity.
Short-term liquidity — ability to pay near-term obligations.
Earnings capacity relative to interest payments.
Valuation
— 87.9/100 (15%)Camden National Corporation appears attractively valued relative to its earnings, cash flows, and sector peers.
Inverse of forward P/E — higher yield means cheaper stock.
How many years of FCF the market cap represents.
P/E relative to earnings growth — lower is more attractive.
Enterprise value multiple relative to sector median.
Moat
— 21/100 (25%)Camden National Corporation operates in a highly competitive environment with limited sustainable advantages. The Moat pillar evaluates competitive advantages across five dimensions: Switching Costs, Network Effects, Cost Advantage, Intangible Assets, and Scale & Ecosystem. Sign in to customize moat ratings for CAC.
Score Composition
Financial Data
More Stock Analysis
How is the CAC UQS Score Calculated?
The UQS (Unified Quality Score) for Camden National Corporation is calculated using a proprietary 6-pillar framework with 29 financial metrics. Each pillar evaluates a different dimension on a 0–100 scale, then combines into a single weighted score. Scoring thresholds are calibrated per sector. Momentum is an optional Pro toggle — without it, you get the 5-pillar / 25-metric core shown below.
Quality (25%) measures profitability and capital efficiency — ROIC, ROE, margins, GP/Assets, and FCF Yield.
Moat (25%) assesses Camden National Corporation's competitive advantages across switching costs, network effects, cost advantages, intangible assets, and ecosystem scale.
Growth (20%) tracks revenue trajectory and earnings momentum, combining historical results with analyst forward estimates.
Risk (15%) is inversely scored — lower leverage and strong balance sheet health result in higher scores.
Valuation (15%) measures whether Camden National Corporation is fairly priced using earnings yield, price-to-FCF, PEG ratio, and EV/EBITDA relative to sector peers.
Six investor-inspired presets are available, each with different pillar weights: Balanced, Buffett, Munger, Lynch, Cathie Wood, and Graham. The public score shown here uses the Balanced preset. Learn more in our FAQ.