Camden National
Operates a Northern New England bank with lending, deposits, wealth services, and digital delivery.
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Profile
Provides deposits, lending, mortgage banking, wealth management, brokerage, insurance, and treasury services through Camden National Bank. The franchise is concentrated in Maine and New Hampshire, and its earnings depend mainly on spread banking shaped by rates, deposit costs, credit demand, and local competition.
Runs a Northern New England community-bank franchise built around Camden National Bank, taking deposits and making consumer, municipal, nonprofit, institutional, and commercial loans through one banking and related financial-services segment.
Alongside branch banking, the platform offers wealth management and trust services, brokerage, investment advisory, insurance, mortgage banking, treasury management, and digital tools such as MortgageTouch, BusinessTouch, and TreasuryLink. The footprint is concentrated in Maine and New Hampshire after the Northway merger, with select Massachusetts activity.
Relationship banking, local decision-making, digital delivery, and customer service define the operating model. Earnings depend heavily on spread banking, so interest rates, deposit costs, credit demand, and competition from banks, credit unions, fintechs, lenders, brokers, and advisors shape the business.
Company facts
Categories
Key statistics
Year to date +31.8% · Average volume (30d) 94.3K
Analysts
Ratings
Target range
Latest analyst notes
| Date | Firm | Action | Prior rating | Rating | Prior target | Target |
|---|---|---|---|---|---|---|
| Jul 30, 2026 | National Bank | Target | $50 | $55 | ||
| Jul 1, 2026 | Raymond James | Reiterate | Outperform | $56 | $58 | |
| Apr 29, 2026 | Raymond James | Target | $56 | |||
| Apr 29, 2026 | National Bank | Target | $47 | $50 | ||
| Feb 5, 2026 | Stephens | Target | $53 |
Earnings
EPS
Revenue
History
| Report date | EPS est | EPS | Surprise | Revenue est | Revenue | Surprise | Next session |
|---|---|---|---|---|---|---|---|
| Jul 28, 2026Q2 FY26 | $1.29 | $1.35 | +4.7% | $66.4M | $66.7M | +0.4% | +5.55% |
| Apr 28, 2026Q1 FY26 | $1.26 | $1.29 | +2.4% | $65.6M | $64.3M | −1.9% | −5.33% |
| Jan 27, 2026Q4 FY25 | $1.32 | $1.33 | +0.8% | $66.2M | $68.1M | +2.9% | −3.61% |
| Oct 28, 2025Q3 FY25 | $1.23 | $1.24 | +0.8% | $65.1M | $63.0M | −3.3% | +2.92% |
Financial highlights
| 12 quarters | Q1 FY25 | Q2 FY25 | Q3 FY25 | Q4 FY25 | Q1 FY26 | Q2 FY26 | |
|---|---|---|---|---|---|---|---|
| Revenue | $87.9M | $90.7M | $92.6M | $96.2M | $78.4M | $79.0M | |
| Gross profit | $48.9M | $53.6M | $60.0M | $68.1M | $52.4M | $52.9M | |
| Operating income | $6.2M | $17.8M | $26.5M | $31.2M | $16.1M | $14.9M | |
| Net income | $7.3M | $14.1M | $21.2M | $22.6M | $21.9M | $23.0M | |
| Diluted EPS | $0.43 | $0.83 | $1.25 | $1.33 | $1.29 | $1.35 | |
| Gross margin | 55.7% | 59.2% | 64.8% | 70.8% | 66.8% | 67.0% | |
| Operating margin | 7.0% | 19.6% | 28.6% | 32.4% | 20.5% | 18.8% |
Fiscal years (4-quarter sums)FY21 $193.9M · FY22 $209.1M · FY23 $250.3M · FY24 $289.7M · FY25 $367.3M
Revenue by product · Q2 FY26
Balance sheet, Jun 30, 2026Cash & short-term investments $99.9M · Total debt $571.1M · Total assets $6.95B · Shareholders' equity $725.9M
Dividends
Raised for 28 straight years — most recently to $0.42 from $0.40 in Jan 2023. To collect a payout, hold shares through the close before the ex-date.
History
| Ex-date | Record | Paid | Amount | Note |
|---|---|---|---|---|
| Jul 15, 2026 | Jul 15 | Jul 31 | $0.42 | |
| Apr 15, 2026 | Apr 15 | Apr 30 | $0.42 | |
| Jan 15, 2026 | Jan 15 | Jan 30 | $0.42 | |
| Oct 15, 2025 | Oct 15 | Oct 31 | $0.42 | |
| Jul 15, 2025 | Jul 15 | Jul 31 | $0.42 | |
| Apr 15, 2025 | Apr 15 | Apr 30 | $0.42 | |
| Jan 15, 2025 | Jan 15 | Jan 31 | $0.42 | |
| Oct 15, 2024 | Oct 15 | Oct 31 | $0.42 |
Ownership
Shares outstanding 16.91M · Float 16.49M · 97.5% free float
Top shareholders13F · 13D/G · Form 4
| Holder | Shares | % outstanding | Form | Filed |
|---|---|---|---|---|
| BlackRock, Inc. | 1.78M | 10.54% | 13F | Aug 7, 2026 |
| Franklin Resources Inc | 1.58M | 9.32% | 13F | Aug 13, 2026 |
| FMR LLC | 1.33M | 7.87% | 13F | Aug 13, 2026 |
| Dimensional Fund Advisors LP | 862.0K | 5.10% | 13G | Jul 14, 2026 |
| Vanguard Capital Management LLC | 753.8K | 4.46% | 13F | Aug 13, 2026 |
Insider tradesForm 4
No open-market trades in the last 12 months.
View detailsPeers
- Bar Harbor Bankshares
Closest public Northern New England community-bank overlap
- The First Bancorp
Coastal Maine retail, commercial, and wealth peer
- Eastern Bankshares
Larger MA/NH bank with banking and wealth overlap
- Independent Bank
Rockland Trust adds southern NH/MA branch and wealth overlap
- Citizens Financial Group
Large New England regional bank across retail, commercial, and wealth
- Northeast Bank
Maine bank with deposit overlap and national commercial-lending pressure
- Charles Schwab
Public wealth, brokerage, and cash-management substitute
CompareAfter-hours close
| Company | Price | Change | |||||
|---|---|---|---|---|---|---|---|
| Camden National | $56.66 | −0.07% | $958.4M | 10.9 | 10.2 | 2.8 | +20.5% |
| Bar Harbor Bankshares | $39.40 | −0.18% | $659.6M | 13.3 | 10.7 | 2.9 | +43.8% |
| The First Bancorp | $34.76 | +0.09% | $391.9M | 10.3 | — | 2.2 | +1.2% |
| Eastern Bankshares | $22.29 | −0.04% | $5.15B | 12.7 | 11.1 | 3.6 | +29.6% |
| Independent Bank | $82.06 | −0.07% | $3.96B | 14.8 | 10.7 | 3.2 | +1.1% |
| Citizens Financial Group | $71.05 | +1.96% | $29.48B | 15.2 | 11.9 | 2.6 | +12.1% |
| Northeast Bank | $129.23 | −0.15% | $1.07B | 10.2 | 8.8 | 2.8 | +4.1% |
| Charles Schwab | $110.05 | −0.09% | $191.58B | 20.0 | 15.2 | 6.4 | +20.9% |
| Median | 13.3 | 10.9 | 2.9 | +12.1% |