Camden National Corporation
NASDAQ•CAC
CEO: Mr. Simon R. Griffiths
板块: Financial Services
行业: Banks - Regional
上市日期: 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.
联系方式
市值
$865.22M
市盈率 (TTM)
13.2
15.5
股息率
3.3%
52周最高
$51.57
52周最低
$35.00
52周范围
排名37Top 34.1%
4.4
F-Score
改良版 Piotroski 分析
基于 10 年期基本面
一般 • 4.4 / 9 分
评分区间 (0-9)
8-9: 价值优异
6-7: 基本面强劲
4-5: 整体稳健
0-3: 表现疲弱
数据范围: 2016-2025
财务仪表盘
Q4 2025 数据
营业收入
$96.18M+29.42%
近4季度走势
每股收益
$1.34+32.67%
近4季度走势
自由现金流
-$22.67M+0.00%
近4季度走势
2025 Annual 财报亮点
核心亮点
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.
关注风险
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.
前瞻展望
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.
同行对比
营业收入 (TTM)
$527.15M
$367.34M
$353.86M
毛利率 (最新季度)
96.6%
90.9%
88.4%
关键指标
股票代码 | 市值 | 市盈率 (TTM) | 净资产收益率 (TTM) | 负债率 |
|---|---|---|---|---|
| MCB | $907.72M | 12.9 | 9.7% | 1.0% |
| MCBS | $899.99M | 12.2 | 14.8% | 11.3% |
| CAC | $865.22M | 13.2 | 9.8% | 9.2% |
长期趋势
近4季度
营业收入
净利润
经营现金流
4季度营收复合增长率
3.0%
温和增长
4季度净利润复合增长率
45.5%
盈利能力强劲提升
现金流稳定性
75%
现金流波动较大
深度研究
下次财报:2026年4月28日
每股收益:$1.27
|营业收入:$65.57M
财务数据
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新闻
利润表
资产负债表
现金流量表
财务比率
变化率
利润表 | 过去12个月 |
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无数据