Camden National Corporation

NASDAQ•CAC

CEO: Mr. Simon R. Griffiths

セクター: Financial Services

業種: Banks - Regional

上場日: 1997-10-08

Camden National Corporation operates as the bank holding company for Camden National Bank that provides various commercial and consumer banking products and services for consumer, institutional, municipal, non-profit, and commercial customers in Maine, New Hampshire, and Massachusetts. The company accepts checking, savings, time, and brokered deposits, as well as deposits with the certificate of deposit account registry system. Its loan products include non-owner-occupied commercial estate loans, owner-occupied commercial real estate loans, unsecured fully-guaranteed commercial loans backed by the small business administration, loans secured by one-to four-family properties, and consumer and home equity loans. The company also provides brokerage and insurance services through its financial offerings consisting of college, retirement, estate planning, mutual funds, strategic asset management accounts, and variable and fixed annuities. Further, it offers a range of fiduciary and asset management, wealth management, investment management, financial planning, and trustee services. Camden National Corporation was founded in 1875 and is headquartered in Camden, Maine.

連絡先情報

2 Elm Street, Camden, ME, 04843, United States

207-236-8821

www.camdennational.com

時価総額

$772.26M

PER (TTM)

11.8

14.2

配当利回り

3.7%

52週高値

$51.57

52週安値

$34.53

52週レンジ

65%

順位37Top 34.1%

4.4

F-Score

改良版 Piotroski 分析

10年ファンダメンタル

堅調 • 4.4 / 9 ポイント

スコアレンジ (0-9)

8-9: 価値が優れている

6-7: 基礎体質が強い

4-5: 全体的に堅調

0-3: パフォーマンスが弱い

データ期間: 2016-2025

財務ダッシュボード

Q4 2025 データ

売上高

$96.18M+29.42%

直近4四半期の推移

EPS

$1.34+32.67%

直近4四半期の推移

フリーCF

-$22.67M+0.00%

直近4四半期の推移

2025 Annual 決算ハイライト

主なハイライト

Strong 2025 Profitability Growth GAAP Net Income rose 23% to $65.2M; Adjusted diluted EPS grew 20% to $4.39, reflecting acquisition benefits.

Successful Northway Acquisition Integration Completed Northway integration in March 2025, realizing synergies and expanding NH presence by 17 branches, boosting scale.

Core NIM Expansion Achieved Core Net Interest Margin (TE) improved 36 basis points to 2.82% for 2025, driven by rate initiatives and lower funding costs.

Balance Sheet Scale Increased Total assets reached $7.0B; total loans grew 21% to $4.97B and deposits grew 20% to $5.54B, largely due to Northway.

リスク要因

Credit Quality Metrics Worsened Non-performing assets ratio rose to 0.10% of assets; net charge-offs increased significantly, driven by isolated commercial loan issues.

Interest Rate Environment Volatility Profitability remains highly dependent on interest rate fluctuations, posing risk to Net Interest Income if rates move unexpectedly.

Elevated Deposit Funding Costs Competition for deposits remains intense, potentially forcing higher funding costs, which pressures net interest margin sustainability.

Capital Ratios Moderated Total risk-based capital ratio declined to 13.95% from 15.11% following acquisition and dividend payments.

見通し

Continued Margin Management Focus Expect ongoing focus on optimizing asset/liability mix to manage NIM, even with expected Federal Reserve rate adjustments.

Efficiency Gains Realization Leverage from acquisition integration expected to drive further non-interest expense reduction and efficiency ratio improvement into 2026.

Organic Growth Strategy Emphasis Focus remains on profitable organic growth by deepening customer relationships across Maine and New Hampshire markets.

Maintaining Strong Capital Position Management intends to keep all regulatory capital ratios well in excess of minimum requirements, including the capital conservation buffer.

同業比較

売上高 (TTM)

MCB

$527.15M

+7.1%

CAC

$367.34M

+26.8%

ORRF

$353.86M

+24.6%

粗利益率 (最新四半期)

THFF

96.6%

+26.3pp

FCBC

90.9%

+4.8pp

CCBG

88.4%

+2.5pp

主要指標

銘柄コード	時価総額	PER (TTM)	ROE (TTM)	負債比率
MCBS	$814.69M	11.0	14.8%	11.3%
MCB	$808.88M	11.5	9.7%	1.0%
TRST	$784.13M	12.7	8.9%	3.0%

長期トレンド

直近4四半期

売上高

純利益

営業キャッシュフロー

4四半期売上高CAGR

3.0%

緩やかな成長

4四半期純利益CAGR

45.5%

収益性の大幅な改善

キャッシュフロー安定性

75%

キャッシュフローの変動が大きい

深度リサーチ

次回決算:2026年4月28日

EPS:$1.24

売上高:$65.62M

財務データ

決算説明会

財務レポート

ニュース

損益計算書

バランスシート

キャッシュフロー計算書

財務比率

変化率

損益計算書	直近12ヶ月

データなし