Financial Snapshot

Revenue
$26.31M
TTM
Gross Margin
Net Earnings
$46.81M
TTM
Current Assets
Current Liabilities
$270.7M
Q3 2024
Current Ratio
Total Assets
Q3 2024
Total Liabilities
Q3 2024
Book Value
$529.9M
Q3 2024
Cash
Q3 2024
P/E
14.69
Dec 02, 2024 EST
Free Cash Flow
$1.987M
TTM

Revenues

Revenues

Revenue YoY Change

Revenues

Concept 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 2002 2001 2000 1999 1998 1997 1996 1995
Revenue $33.57M $33.27M $148.5M $157.2M $168.5M $151.4M $136.1M $129.6M $99.14M $88.39M $88.18M $90.95M $98.37M $104.5M
YoY Change 0.88% -77.59% -5.54% -6.72% 11.32% 11.22% 5.0% 30.75% 12.17% 0.23% -3.04% -7.55% -5.87%

Expenses

Cost Of Revenues

No data

Gross Profit

No data

Gross Profit Margin

No data

Gross Profit

Concept 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 2002 2001 2000 1999 1998 1997 1996 1995
Revenue $33.57M $33.27M $148.5M $157.2M $168.5M $151.4M $136.1M $129.6M $99.14M $88.39M $88.18M $90.95M $98.37M $104.5M
Cost Of Revenue
Gross Profit
Gross Profit Margin

Selling, General & Admin Expense

No data

Research & Development

No data

Depreciation, Depletion & Amortization

SGA Expense to Gross Profit Ratio

No data

R&D To Gross Profit Ratio

No data

DDA To Gross Profit Ratio

No data

Operating Expenses Total

No data

Operating Profits/Loss

No data

Operational Expenses

Concept 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 2002 2001 2000 1999 1998 1997 1996 1995
Selling, General & Admin
YoY Change
% of Gross Profit
Research & Development
YoY Change
% of Gross Profit
Depreciation & Amortization $3.963M $4.115M $4.363M $4.510M $4.596M $4.490M $5.570M $6.329M $4.900M $4.200M $4.200M $2.500M $2.300M $2.300M $3.300M $3.200M $2.300M $2.500M $3.200M $3.100M $3.800M $4.000M $3.500M $2.400M $1.100M $1.600M $1.500M $1.000M $800.0K
YoY Change -3.69% -5.68% -3.26% -1.87% 2.36% -19.39% -11.99% 29.16% 16.67% 0.0% 68.0% 8.7% 0.0% -30.3% 3.13% 39.13% -8.0% -21.87% 3.23% -18.42% -5.0% 14.29% 45.83% 118.18% -31.25% 6.67% 50.0% 25.0% 14.29%
% of Gross Profit
Operating Expenses
YoY Change
Operating Profit
YoY Change

Interest Expenses

Interest Expenses To Operating Income %

No data

Other Expense/Income

Interest & Other Expense/Income

Concept 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 2002 2001 2000 1999 1998 1997 1996 1995
Interest Expense $93.98M $25.09M $11.05M $20.89M $40.89M $30.98M $20.80M $16.55M $12.69M $12.13M $12.74M $17.20M $23.15M $30.22M
YoY Change 274.52% 127.14% -47.12% -48.9% 31.96% 48.93% 25.67% 30.43% 4.65% -4.82% -25.93% -25.7% -23.38%
% of Operating Profit
Other Income/Expense, Net $5.731M $5.657M $4.502M $3.735M $3.197M $2.059M $2.817M $2.732M
YoY Change 1.31% 25.66% 20.54% 16.83% 55.27% -26.91% 3.11%

Income/Loss

Pretax Income

Income Tax

Net Profits/Loss

Pretax Income YoY Change

Income Tax Rate

Net Profits/Loss YoY Change

Basic EPS

Net Income To Revenue Ratio

Pretax & Net Income

Concept 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 2002 2001 2000 1999 1998 1997 1996 1995
Pretax Income $53.84M $77.05M $86.64M $74.40M $71.58M $65.78M $62.35M $57.54M $30.86M $36.01M $34.92M $34.31M $37.96M $35.88M $33.20M $20.70M $28.80M $29.40M $31.30M $29.20M $28.20M $25.90M $22.60M $20.10M $15.40M $16.90M $15.90M $12.10M $10.70M
YoY Change -30.13% -11.07% 16.46% 3.94% 8.82% 5.49% 8.37% 86.46% -14.3% 3.14% 1.76% -9.61% 5.79% 8.07% 60.39% -28.13% -2.04% -6.07% 7.19% 3.55% 8.88% 14.6% 12.44% 30.52% -8.88% 6.29% 31.4% 13.08% -14.4%
Income Tax $10.45M $15.61M $17.63M $14.91M $14.38M $12.71M $33.88M $17.47M $9.907M $11.44M $12.13M $10.88M $11.78M $11.11M $10.40M $5.400M $8.500M $9.100M $10.00M $9.700M $9.300M $8.400M $7.200M $6.200M $5.200M $5.400M $5.200M $4.000M $3.300M
% Of Pretax Income 19.42% 20.26% 20.34% 20.04% 20.08% 19.32% 54.33% 30.37% 32.1% 31.77% 34.75% 31.72% 31.04% 30.97% 31.33% 26.09% 29.51% 30.95% 31.95% 33.22% 32.98% 32.43% 31.86% 30.85% 33.77% 31.95% 32.7% 33.06% 30.84%
Net Earnings $43.38M $61.44M $69.01M $59.49M $57.20M $53.07M $28.48M $40.07M $20.95M $24.57M $22.78M $23.43M $26.18M $24.77M $22.80M $15.30M $20.40M $20.30M $21.40M $19.50M $18.90M $17.10M $15.40M $13.90M $10.20M $11.50M $10.70M $8.100M $7.400M
YoY Change -29.39% -10.98% 16.02% 3.99% 7.79% 86.37% -28.93% 91.23% -14.73% 7.84% -2.75% -10.5% 5.7% 8.62% 49.02% -25.0% 0.49% -5.14% 9.74% 3.17% 10.53% 11.04% 10.79% 36.27% -11.3% 7.48% 32.1% 9.46% -10.84%
Net Earnings / Revenue 129.24% 184.65% 46.48% 37.84% 33.94% 35.06% 20.92% 30.91% 21.13% 27.8% 25.84% 25.76% 26.61% 23.7%
Basic Earnings Per Share $2.98 $4.18 $4.62 $3.96 $3.70 $3.40 $1.83 $2.59 $1.73 $2.19 $2.98 $3.06 $3.41 $3.23
Diluted Earnings Per Share $2.97 $4.17 $4.60 $3.95 $3.69 $3.39 $1.82 $2.57 $1.73 $2.19 $2.97 $3.05 $3.40 $3.23 $1.98 $1.33 $2.07 $1.95 $1.87 $1.68 $1.59 $1.41 $1.26 $1.13 $0.85 $0.92 $0.85 $0.76 $0.69

Assets & Liabilities

Cash & Short-Term Investments

Cash & Equivalents

Cash To Operating Expenses Ratio

No data

Inventory

No data

Receivables

No data

Total Short-Term Assets

No data

Property, Plant And Equipment

Long-Term Investments

No data

Total Long-Term Assets

No data

Total Assets

Net Income To Total Assets Percentage

Accounts Payable

Short-Term Debt

Long Term Debt Due

Total Short-Term Liabilities

Long-Term Debt

Other Long-Term Liabilities

No data

Total Long-Term Liabilities

Total Liabilities

Short-Term To Long-Term Debt Ratio

Short-Term Assets To Debt Ratio

No data

Long-Term Debt To Net Income Ratio

Assets & Liabilities

Concept 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 2002 2001 2000 1999 1998 1997 1996 1995
Cash & Short-Term Investments
YoY Change
Cash & Equivalents
Short-Term Investments
Other Short-Term Assets
YoY Change
Inventory
Prepaid Expenses
Receivables
Other Receivables
Total Short-Term Assets
YoY Change
Property, Plant & Equipment $50.80M $52.83M $55.15M $58.44M $56.34M $42.50M $41.89M $42.87M $46.00M $23.90M $25.70M $28.10M $24.10M $25.00M $26.10M $25.90M $19.70M $17.60M $16.00M $16.40M $15.70M $16.70M $17.40M $16.00M $12.10M $12.10M $8.800M $8.900M $8.500M
YoY Change -3.85% -4.21% -5.63% 3.73% 32.58% 1.44% -2.29% -6.8% 92.47% -7.0% -8.54% 16.6% -3.6% -4.21% 0.77% 31.47% 11.93% 10.0% -2.44% 4.46% -5.99% -4.02% 8.75% 32.23% 0.0% 37.5% -1.12% 4.71%
Goodwill
YoY Change
Intangibles
YoY Change
Long-Term Investments
YoY Change
Other Assets $42.23M $50.22M $19.21M $11.96M $16.82M $23.05M $22.78M $39.26M $39.70M $14.40M $16.00M $11.30M $18.30M $18.40M $18.50M $0.00
YoY Change -15.91% 161.41% 60.67% -28.93% -27.02% 1.22% -41.99% -1.1% 175.69% -10.0% 41.59% -38.25% -0.54% -0.54%
Total Long-Term Assets
YoY Change
Total Assets $5.715B $5.672B $5.500B $4.899B $4.430B $4.297B $4.065B $3.864B $3.709B $2.790B $2.604B $2.565B $2.303B $2.306B $2.235B $2.342B $1.717B $1.770B $1.653B $1.490B $1.370B $1.218B $1.089B $1.011B $928.4M $839.3M $573.9M $510.1M $480.7M
YoY Change
Accounts Payable $77.72M $68.80M $78.48M $100.6M $65.75M $55.62M $50.00M $44.48M $47.40M $35.60M $28.80M $41.30M $36.20M $24.30M $21.70M $23.80M $18.40M $39.70M $12.80M $12.00M $11.30M $10.60M $9.900M $7.000M $9.000M $6.200M $5.400M $5.200M $5.100M
YoY Change 12.96% -12.33% -22.03% 53.07% 18.21% 11.25% 12.4% -6.16% 33.15% 23.61% -30.27% 14.09% 48.97% 11.98% -8.82% 29.35% -53.65% 210.16% 6.67% 6.19% 6.6% 7.07% 41.43% -22.22% 45.16% 14.81% 3.85% 1.96%
Accrued Expenses $9.978M $10.72M $10.98M $11.85M $13.06M
YoY Change -6.9% -2.4% -7.29% -9.3%
Deferred Revenue
YoY Change
Short-Term Debt $335.7M $196.5M $211.6M $162.4M $238.0M $245.9M $244.6M $230.6M $477.9M $157.8M $258.7M $274.2M $299.6M $267.8M $358.7M $143.2M $59.70M $58.40M $58.20M $60.90M $46.00M $42.00M $36.10M $45.10M $30.80M $34.00M $26.70M $12.60M
YoY Change 70.86% -7.16% 30.27% -31.74% -3.21% 0.5% 6.09% -51.74% 202.85% -5.65% -8.48% 11.87% -25.34% 150.49% 139.87% 2.23% 0.34% -4.43% 32.39% 9.52% 16.34% -19.96% 46.43% -9.41% 27.34% 111.9%
Long-Term Debt Due $67.00K $100.0K
YoY Change
Total Short-Term Liabilities $423.4M $79.52M $89.46M $112.5M $78.81M $55.62M $50.00M $44.55M $525.3M $193.5M $28.80M $300.0M $310.4M $323.9M $289.5M $382.5M $161.6M $99.40M $71.20M $70.20M $72.20M $56.60M $51.90M $43.10M $54.10M $37.00M $39.40M $31.90M $17.70M
YoY Change 432.38% -11.11% -20.47% 42.74% 41.69% 11.25% 12.23% -91.52% 171.47% 571.88% -90.4% -3.35% -4.17% 11.88% -24.31% 136.7% 62.58% 39.61% 1.42% -2.77% 27.56% 9.06% 20.42% -20.33% 46.22% -6.09% 23.51% 80.23%
Long-Term Debt $48.78M $48.95M $49.11M $64.26M $60.75M $60.65M $59.70M $59.55M $94.50M $75.00M $474.0M $45.00M $45.20M $45.40M $45.60M $43.60M $46.10M $36.10M $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00
YoY Change -0.34% -0.33% -23.58% 5.78% 0.16% 1.58% 0.26% -36.99% 26.0% -84.18% 953.33% -0.44% -0.44% -0.44% 4.59% -5.42% 27.7%
Other Long-Term Liabilities
YoY Change
Total Long-Term Liabilities $48.78M $48.95M $49.11M $64.26M $60.75M $60.65M $59.70M $59.55M $94.50M $75.00M $474.0M $45.00M $45.20M $45.40M $45.60M $43.60M $46.10M $36.10M $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00
YoY Change -0.34% -0.33% -23.58% 5.78% 0.16% 1.58% 0.26% -36.99% 26.0% -84.18% 953.33% -0.44% -0.44% -0.44% 4.59% -5.42% 27.7%
Total Liabilities $5.219B $5.221B $4.959B $4.369B $3.956B $3.862B $3.662B $3.473B $3.346B $2.545B $2.373B $2.331B $2.084B $2.100B $2.045B $2.175B $1.597B $1.663B $1.524B $1.364B $1.251B $1.100B $984.3M $920.0M $850.7M $761.5M $511.3M $452.3M $427.0M
YoY Change -0.02% 5.27% 13.49% 10.45% 2.45% 5.45% 5.45% 3.78% 31.5% 7.25% 1.79% 11.86% -0.77% 2.7% -5.99% 36.23% -3.98% 9.13% 11.75% 9.02% 13.74% 11.71% 6.99% 8.15% 11.71% 48.93% 13.04% 5.93%

Ownership

Basic Shares Outstanding

Diluted Shares Outstanding

Preferred Stock

No data

Treasury Stock Shares

No data

Stock Issuance & Repurchase

Ownership Data

Return On Shareholders' Equity

Book Value

Free Cash Flow

Free Cash Flow YoY

Free Cash Flow Margin

Dividends

Dividends

Stock Price

Market Cap: $687.61 Million

About CAMDEN NATIONAL CORP

Camden National Corp. is a bank holding company, which engages in the provision of financial services to individuals and companies through its subsidiary, Camden National Bank. The company is headquartered in Camden, Maine and currently employs 600 full-time employees. The Bank provides a broad array of banking and other financial services to consumer, institutional, municipal, non-profit, and commercial customers. The Bank optimizes its in-person professional financial guidance with technology, delivered through sophisticated digital channels. These digital products empower customers to bank anywhere at any time, including, but not limited to, online and mobile banking, which includes MortgageTouch, its easy-to-use online platform for consumer borrowers; BusinessTouch, its online loan application system with instant approval, making borrowing faster and easier for small businesses, and TreasuryLink, its secure online platform designed to offer advanced cash management, monitoring capabilities and controls for commercial customers. The Bank offers comprehensive wealth management and trust services, including investment advisory services.

Industry: National Commercial Banks Peers: Atlantic Capital Bancshares, Inc. CENTRAL PACIFIC FINANCIAL CORP CROSSFIRST BANKSHARES, INC. FIRST MID BANCSHARES, INC. FLUSHING FINANCIAL CORP HarborOne Bancorp, Inc. HILLS BANCORPORATION OLD SECOND BANCORP INC PEAPACK GLADSTONE FINANCIAL CORP PNC FINANCIAL SERVICES GROUP, INC.