CAMDEN NATIONAL CORP (CAC)
Financials · regional banking · NASDAQ
Camden National is a relationship-driven community bank providing diversified financial services across Northern New England with a focus on sustainable, long-term growth.
What CAMDEN NATIONAL CORP does
Camden National Corporation is a bank holding company that provides a full range of banking and financial services to consumer, business, institutional, and municipal clients. Operating primarily through its subsidiary, Camden National Bank, the company offers deposit accounts, commercial and consumer lending, wealth management, trust services, and insurance products across Northern New England. The company focuses on relationship-driven community banking while leveraging modern digital capabilities to support its operations and customer base.
Themes: community banking, regional bank consolidation, Northern New England banking, wealth management / trust services, commercial lending
Fundamentals
- Price$56.67 as of 2026-08-21 close
- Market cap$958M as of 2026-08-21
- 1-year return+46.4% 2025-08-21 close $38.71 → 2026-08-21 close $56.67
- P/E11.24 as of 2026-08-24
- Net margin+29.3% as of 2026-08-24
- ROE+12.6% as of 2026-08-24
- Debt / equity0.79 as of 2026-08-24
- Revenue growth (YoY)+32.4% as of 2026-08-24
- Revenue CAGR (3y)+7.8% SEC XBRL
- Beta0.57 as of 2026-08-24
- Last reported earnings2026-07-28 SEC EDGAR Form 8-K (Item 2.02)
Dividend: yield +4.9%; at least 5 years of non-decreasing per-share dividends (SEC XBRL) — we do not hold the year before it, so the real streak may be longer.
How CAC compares in its sector
- price-to-earnings ratiomiddle range 525 covered Financials peers, as of 2026-08-24
- net profit marginmiddle range 538 covered Financials peers, as of 2026-08-24
- operating marginmiddle range 534 covered Financials peers, as of 2026-08-24
- return on equitymiddle range 575 covered Financials peers, as of 2026-08-24
- 3-year revenue CAGRmiddle range 347 covered Financials peers
- indicated dividend yieldtop 25% 453 covered Financials peers, as of 2026-08-24
- free cash flow (absolute dollars, latest fiscal year)middle range 431 covered Financials peers, as of FY2025
Position among covered Financials companies that report each metric (minimum 5 peers). A relative position within our covered catalog — not a valuation, quality, or investment judgment. A higher percentile is simply a higher value (for P/E, more expensive on earnings — never "better"). Informational only.
Dividend coverage (FY2025)
Covered by reported results. In FY2025, CAC's dividend was covered by reported results (earnings payout 44%, free-cash-flow payout 49%). This describes past coverage, not a forecast.
- Earnings payout44% dividends / net income
- Free-cash-flow payout49% dividends / (operating cash flow − capex)
Coverage derived from reported SEC EDGAR XBRL figures for FY2025 (dividends paid vs. net income and free cash flow, same fiscal year). This describes PAST coverage for one fiscal year — it does not predict whether a dividend will be maintained, raised, or cut, and a one-year payout ratio can be distorted by non-recurring items. Informational only — not financial advice.
How CAMDEN NATIONAL CORP looks technically
CAMDEN NATIONAL CORP (CAC) is trading 16.8% above its 200-day average, the long-term trend line — a longer-term uptrend. Its 50-day average crossed above its 200-day average about 167 trading days ago — a "golden cross", a bullish long-term signal. There is no clear trend right now — the price is choppy (ADX, a 0–100 trend-strength gauge, is 19, below the 25 that marks a real trend). Momentum is neutral — its 14-day RSI (a 0–100 momentum gauge) is 49, neither overbought (above 70) nor oversold (below 30). MACD, a trend-momentum gauge, turned bearish about 9 trading days ago (its momentum flipped negative). It made a new 20-day high about 14 trading days ago.
Trend
7
| Distance from the 200-day | it is trading 16.8% above its 200-day average, the long-term trend line — a longer-term uptrend | +16.8% |
|---|---|---|
| 50-day moving average | its average price over the last 50 trading days — a short-term trend line — is $55.32 | $55.32 |
| 200-day moving average | its average price over the last 200 trading days — the long-term trend line — is $48.50 | $48.50 |
| Swing structure | each recent peak has been higher than the one before it and each dip has been shallower — the pattern chart-watchers call an uptrend, which describes where price has already been and not where it goes next | higher highs and higher lows |
| Last swing turn | its last significant turn was a swing low 11 calendar days ago — the swings before that are what the structure reading is measured on | 11 sessions |
| Since the 50/200 cross | its 50-day average crossed above its 200-day average about 167 trading days ago — a "golden cross", a bullish long-term signal | 167 sessions |
| Trend strength (14-day ADX) | there is no clear trend right now — the price is choppy (ADX, a 0–100 trend-strength gauge, is 19, below the 25 that marks a real trend) | 18.5 |
Momentum
3
| 14-day RSI | momentum is neutral — its 14-day RSI (a 0–100 momentum gauge) is 49, neither overbought (above 70) nor oversold (below 30) | 48.6 |
|---|---|---|
| Position in its 14-day range | it is trading in the lower half of its 14-day range ($55.48 to $60.59) — its "stochastic" reading is 23 out of 100, where 0 would mean closing exactly at the 14-session low and 100 exactly at the high. This measures WHERE the price sits inside its recent range, which is a different question from the RSI beside it: RSI is a momentum gauge, measuring how FAST the price has been moving, so a stock can drift quietly to the bottom of its range with an ordinary RSI, or fall sharply and still sit in the middle. It has been climbing within that range over the last few sessions. | 23.2 |
| Since the MACD crossed zero | MACD, a trend-momentum gauge, turned bearish about 9 trading days ago (its momentum flipped negative) | 9 sessions |
Range
12
| 52-week high | its highest closing price over the past year (about 252 trading days) was $60.59 | $60.59 |
|---|---|---|
| From the 52-week high | it is 6.5% below its 52-week high (its highest price of the past year) | -6.5% |
| Above the 52-week low | it is 61.9% above its 52-week low (its lowest price of the past year) | +61.9% |
| Below the 52-week high | it is 6.5% below its highest point of the past year | 6.5% |
| Since a 20-day breakout | it made a new 20-day high about 14 trading days ago | 14 sessions |
| Since a 55-day breakout | it made a new 55-day high about 14 trading days ago | 14 sessions |
| All-time high | its highest closing price on record is $60.59 (set on 2026-08-05) | $60.59 |
| Given back of the 52-week move | over the past year its closes ranged ($35.45 to $59.77), and it has given back only a small part of its rise from last year’s low — 13% of it. Chart-watchers call 61.8%-65% given back the "golden pocket" — for this company that is $43.96 to $44.74. It is watched widely enough that orders cluster there, which is the honest reason it matters; it is not a forecast. | 12.8% |
| From the all-time high | it is 6.5% below its all-time high | -6.5% |
| Nearest price level | it is trading 0.5% above a support level at $56.37 — a price it turned at three times since 2026-07-02, most recently on 2026-08-10. Since 2024-08-21 it has 13 such levels below the current price and 0 above. Levels like these describe where the price has reversed or paused before; they are not a forecast of where it will go. | -0.5% |
| All-time low | its lowest closing price on record is $9.56 (set on 2009-03-09) | $9.56 |
| Above the all-time low | it is 492.8% above its all-time low | +492.8% |
Volatility
5
| Band width vs its own 6 months | day-to-day price swings are narrower than usual versus its own recent 6-month history (tighter than about 75% of it) | 25th percentile |
|---|---|---|
| Typical daily range | in a typical session it travels about $1.42 between its high and its low — about 2.5% of its price. That is its "average true range" over the last 14 sessions, which also counts the distance from the previous close, so a day that opens well away from yesterday counts as the large move it was | $1.42 |
| Bollinger bands (20-day, ±2σ) | most of its recent trading has stayed between about $55.72 and $60.28 — the "Bollinger bands", a range drawn two standard deviations either side of its 20-day average price, which widens when the stock gets more volatile and narrows when it settles | $55.72 – $58.00 – $60.28 |
| Typical daily range (% of price) | its price moves about 2.5% in a typical session — calmer than most companies we cover. This is the average gap between a session's high and low over the last 14 sessions, counting overnight moves, expressed against the current price so it can be compared with companies trading at any price | 2.5% |
| Stretch from the 200-day average | it is trading 5.8 daily ranges above its 200-day average price (16.8% above it in plain percentage terms) — a way of asking how far it has stretched from its own average in units of how far it normally moves in a day, so a calm company and a jumpy one can be compared on the same scale | 5.8 daily ranges above its 200-day average |
Volume
1
| Volume vs its 30-day average | trading volume is about normal versus its 30-day average | 1.93× |
|---|
Analyst
2
| Change in the average price target | analysts' average price target is unchanged from the prior reading | 0.0% |
|---|---|---|
| Change in the consensus rating | the analyst consensus rating is unchanged since the prior reading | unchanged |
Candlestick patterns
1
| Since a doji | 9 sessions ago it opened and closed at almost the same price after trading through a wider range — a "doji", the classic picture of buyers and sellers finishing the session level | 9 sessions ago |
|---|
Price gaps
2
| Gap at the open | it opened on 2026-08-21 0.8% above the previous session's close — an overnight gap, the part of the move that happened while the market was shut, and traded back through that level before the close | +0.8% |
|---|---|---|
| Gap filled | a 2.2% gap down opened on 2026-07-07 has been "filled" 33 sessions ago — price traded back through the level the gap left behind, and it closed again during the very session that opened it | 33 sessions ago |
Price streaks
1
| Closing streak | it closed higher in its latest session, after a session that did not close higher — a single up day rather than a run | 1 session up |
|---|
Relative strength
4
| vs market, 1 month | over the past 1 month this stock beat the market by 2.2 percentage points (the stock gained 4.5% while the market gained 2.3%) | +2.2% |
|---|---|---|
| vs market, 3 months | over the past 3 months this stock beat the market by 11.6 percentage points (the stock gained 14.7% while the market gained 3.1%) | +11.6% |
| vs market, 6 months | over the past 6 months this stock beat the market by 4.1 percentage points (the stock gained 15.2% while the market gained 11.1%) | +4.1% |
| vs market, 12 months | over the past 12 months this stock beat the market by 25.9 percentage points (the stock gained 46.4% while the market gained 20.5%) | +25.9% |
Signal agreement
2
| Bullish technical signals | 4 of the 9 technical signals we can compute for it are currently in a bullish state: a "golden cross" — its 50-day average is above its 200-day, trading above its 200-day average, outperforming the market over 6 months, trading above the Ichimoku cloud — these describe past price behaviour, not a forecast | 4 of 9 |
|---|---|---|
| Bearish technical signals | 1 of the 9 technical signals we can compute for it is currently in a bearish state: MACD momentum is negative — these describe past price behaviour, not a forecast | 1 of 9 |
Trend (Ichimoku cloud)
1
| Vs the Ichimoku cloud | trading 8.0% above the Ichimoku cloud — a band drawn from where its own highs and lows sat up to 2026-07-16 and projected forward over today's price, the side traders read as an established uptrend, with the band below acting as the level that would have to give way. The band itself is moderate, spanning 2.8% of the share price. | +8.0% |
|---|
Volume-weighted price
2
| Vs this year’s average price paid | the price is 12% above the average price paid so far this year, so the typical buyer over that stretch is showing a gain. That average is $50.38 — a volume-weighted average of daily closes over 158 sessions, not a true tick-by-tick VWAP. | +12.5% |
|---|---|---|
| Vs the average paid since it last reported | the price is 3% below the average price paid since it last reported on 2026-07-28 (its 8-K), so the typical buyer over that stretch is under water. That average is $58.14 — a volume-weighted average of daily closes over 19 sessions, not a true tick-by-tick VWAP. | -2.5% |
Price levels it has turned at before
CAC last closed at $56.67 on 2026-08-21. Since 2024-08-21 it has turned at 13 prices below its last close and 0 above; the 3 nearest below are listed, nearest first.
| Level | Side | Distance | Evidence |
|---|---|---|---|
| $56.37 | Support | 0.5% below the last close | turned there three times · 2026-07-02 to 2026-08-10 |
| $53.55 | Support | 5.5% below the last close | turned there twice · 2026-04-28 to 2026-06-15 |
| $52.28 | Support | 7.7% below the last close | turned there three times · 2026-04-17 to 2026-07-23 |
A level is a price this company reversed or paused at more than once — they describe past behaviour, not a forecast of where the price will go.
Wave structure
No Elliott-wave labelling currently fits its swings: the recent highs and lows do not satisfy the three rules a five-wave count has to obey, so there is no count to show rather than a count we are unsure about.
Read from daily closes as of 2026-08-21.
An Elliott-wave count describes the swings already printed and the level that would disprove it. It is not a forecast, a target, or advice.
Screens: Trading above the 200-day moving average · trendless / choppy (low ADX) · Under water since its last earnings report (below the anchored VWAP) · Trading above the Ichimoku cloud · Near a support level (sitting on a price it has bounced off before) | Learn: moving average · golden cross · adx · rsi · macd · breakout
Based on daily closing prices as of 2026-08-21. Describes past price behavior only — informational, not financial advice.
Analyst consensus
- Consensus ratingHold (2.75 mean, 1=Strong Buy…5=Strong Sell) — 4 analysts
- Mean price target$59.50 range $55.00 – $64.00
Analyst estimates, as of 2026-08-18. These are third-party analyst opinions and price targets, aggregated — not a recommendation, prediction, or advice from stocks-llm. Informational only.
Analyst EPS estimate for CAC
- Consensus EPS estimate$1.35 next reporting period, as of 2026-08-18
Change over time is not available yet: it needs two readings of the same reporting period at least 30 days apart, and we have been recording these estimates since 2026-08-04. An estimate for a DIFFERENT quarter is not a revision, so a reading from before the last report is never compared with one after it.
The consensus estimate for the next reporting period, and how it has moved between readings of that SAME period. A change is measured only between readings estimating one period — when a company reports, the consensus moves to the next quarter and the two numbers are not comparable. Informational only, not a forecast and not advice.
Key risks (from latest filing)
["Interest rate fluctuations impacting net interest margins and asset values.","Credit risk associated with the loan portfolio and potential for credit losses.","Integration and execution risks related to acquisition strategies and market expansion."]
What changed in the latest 10-Q
AI-assisted comparison of CAC's 10-Q filed 2026-05-07 against the prior one filed 2025-11-06.
Management's Discussion & Analysis (MD&A)
- Added:
- Added 'and artificial intelligence' to the list of operational risks in the cybersecurity bullet point (2026-05-07 filing)
- Added statement about potential effects of 'hostilities in Iran' and 'recent rulings on the permissibility of certain tariffs' as notable national and global current events (2026-05-07 filing)
- Added 'net interest margin and core net interest margin' as non-GAAP measures (2026-05-07 filing)
- Removed:
- Removed bullet point about 'impacts of political events, including government shutdowns' (2025-11-06 filing)
- Removed paragraph about Northway acquisition forward-looking statements and associated risk factors (2025-11-06 filing)
- Removed reference to 'the war in Ukraine and conflict in the Middle East' from geopolitical events bullet (2025-11-06 filing)
- Removed phrase 'in response to recent developments affecting the banking sector' from regulatory capital requirements bullet (2025-11-06 filing)
- Removed reference to 'net interest income' as a non-GAAP measure (2025-11-06 filing)
- Removed reference to 'Annual Report on Form 10-K for the year ended December 31, 2024' and updated to 2025 (2026-05-07 filing)
- Reworded:
- Changed geopolitical events reference from 'the war in Ukraine and conflict in the Middle East' to 'hostilities in Iran' (2026-05-07 filing)
- Expanded cybersecurity bullet from 'including cybersecurity' to 'including cybersecurity and artificial intelligence' (2026-05-07 filing)
- Rewrote the paragraph on potential effects of current events to specifically reference 'hostilities in Iran and recent rulings on the permissibility of certain tariffs' instead of generic 'notable national and global current events' language (2026-05-07 filing)
- Notes:
- The older filing text appears truncated at the end of the NON-GAAP section; comparison of that section is incomplete
- Page numbers differ between filings (40-41 in newer vs. 51-52 in older), but this reflects document pagination rather than content location changes
Risk Factors
The two filings could not be meaningfully compared for this section.
AI-assisted comparison of two SEC filing sections. It describes wording and theme changes only, makes no materiality, legal, or investment judgement, and is not financial advice. Informational only — not financial advice.
Insider activity (SEC Form 4)
No open-market insider purchases or sales are on record for CAC — recent Form 4 activity was compensation-related (awards, option exercises, or tax withholding), not open-market buying or selling.
View full insider trading history → View SEC Form 3/4/5 filingsOnly open-market purchases (SEC code P) and sales (code S) are counted here. Option exercises, vesting/awards, gifts, and shares withheld for taxes are excluded — they are compensation or mechanical, not open-market conviction. Sales may be planned and non-discretionary (e.g. a Rule 10b5-1 plan) and are not necessarily bearish; open-market buying is not a recommendation to buy. Informational only — not financial advice.
Institutional ownership (13F)
4 institutional 13F filers reported holding CAC as of 2026-03-31 (quarter-end position, filed within 45 days).
- Distinct 13F filers 4
- Reported shares held 3,767,029
- Reported value $178,745,545
reported quarterly holdings change (2025-12-31 → 2026-03-31): 0 new, 1 increased, 3 decreased, 1 exited. Change counts cover only managers that filed 13F reports in BOTH quarters, derived between two quarter-end snapshots — not same-day trades; a single manager is never said to have "bought" or "sold".
Institutional holdings are quarter-end long positions reported on SEC Form 13F-HR, filed up to 45 days after the quarter ends — they are delayed, are not real-time trades, exclude short positions and most non-US securities, and are not investment advice. Any increase/decrease is a reported change between two quarterly snapshots, not a same-day purchase or sale. These are quarter-end snapshots from the 13F filings on SEC EDGAR, filed within 45 days — not real-time, and any change is a difference between two quarterly reports, not a same-day trade. Informational only — not financial advice.
Short interest (FINRA)
CAC had 638,781 shares of reported short interest as of the 2026-07-31 FINRA settlement date (delayed, bi-monthly; not real-time).
CAC had 3.78% of its shares outstanding sold short as of the 2026-07-31 FINRA settlement date (percent of FLOAT would be higher — float is not disclosed in the source). FINRA reported 5.85 days to cover at the same settlement.
- Reported short interest (shares) 638,781
- Short interest (% of shares outstanding) 3.78%
- Prior settlement (shares) 681,384
- Reported change -6.25%
- Days to cover (reported) 5.85
Reported to FINRA as of the 2026-07-31 settlement date. Short interest is reported to FINRA and published on a delayed, bi-monthly schedule (as of a settlement date, disseminated roughly eight business days later) — it is NOT real-time, does not cover every venue or all US trading, and is not a short-squeeze prediction or investment advice. Days-to-cover is the value FINRA reports; percent of float is not shown because the source file carries no share-count denominator — where a percent appears it is of shares OUTSTANDING, the larger base, and is therefore a floor on percent of float. Informational only — not financial advice.
Competitors & peers
- Bangor Savings Bank
- Bar Harbor Bankshares (BHB)
- NBT Bancorp (NBTB)
- Independent Bank Corp. (INBK)
- Brookline Bancorp (BRKL)
AI-enriched competitor set. Linked names are companies covered by stocks-llm; other named peers are shown for reference only.
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Frequently asked questions
What does CAMDEN NATIONAL CORP (CAC) do?
Camden National Corporation is a bank holding company that provides a full range of banking and financial services to consumer, business, institutional, and municipal clients. Operating primarily through its subsidiary, Camden National Bank, the company offers deposit accounts, commercial and consumer lending, wealth management, trust services, and insurance products across Northern New England.
What sector is CAMDEN NATIONAL CORP (CAC) in?
CAMDEN NATIONAL CORP (CAC) is classified in the Financials sector. Its industry is regional banking. It trades on NASDAQ.
Does CAC pay a dividend?
Yes — CAMDEN NATIONAL CORP (CAC) pays a dividend, with an indicated yield of about 4.94% and at least 5 years of non-decreasing per-share dividends (SEC EDGAR XBRL) — we do not hold the year before it, so the real streak may be longer (market data, as of 2026-08-24). Informational only — not financial advice.
Who are CAMDEN NATIONAL CORP's (CAC) competitors?
Notable peers of CAMDEN NATIONAL CORP (CAC) include Bangor Savings Bank, Bar Harbor Bankshares, NBT Bancorp, Independent Bank Corp. and Brookline Bancorp. This peer set is informational only — not financial advice.
Is CAMDEN NATIONAL CORP (CAC) overbought or oversold right now?
CAMDEN NATIONAL CORP (CAC) is currently neither overbought nor oversold — its 14-day RSI (a 0–100 momentum gauge) is 49, in the neutral middle (as of 2026-08-21). RSI describes recent price momentum, not a forecast — informational only, not financial advice.
Where does stocks-llm's data on CAC come from?
Fundamentals and prices come from market data, as of 2026-08-24; company filings and profile facts come from SEC EDGAR. All figures are delayed daily-close data shown with their as-of date — informational only, not financial advice.
Fundamentals: market data, as of 2026-08-24. Filings: SEC EDGAR. Prices are delayed daily-close data.
Last updated 2026-08-21.
Informational only — NOT financial advice. All figures are delayed daily-close data from SEC EDGAR & market data, shown with their as-of date.