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Camden National Corporation

NASDAQ•CAC
執行長: Mr. Simon R. Griffiths
板塊: Financial Services
行業: 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.
聯絡資訊
2 Elm Street, Camden, ME, 04843, United States
207-236-8821
www.camdennational.com
市值
$769.72M
本益比 (TTM)
11.9
14.5
股息率
3.7%
52周最高
$51.57
52周最低
$34.53
52周範圍
64%
排名37Top 34.1%
4.4
F-Score
改良版 Piotroski 分析
基於 10 年期基本面
一般 • 4.4 / 9 分
評分區間 (0-9)
8-9: 價值優異
6-7: 基本面強勁
4-5: 整體穩健
0-3: 表現疲弱
資料區間: 2016-2025

財務儀表板

Q4 2025 數據

營業收入

$96.18M+29.42%
近4季度走勢

每股收益

$1.34+32.67%
近4季度走勢

自由現金流

-$22.67M+0.00%
近4季度走勢

2025 Annual 財報亮點

核心亮點

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.

關注風險

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.

未來展望

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.

同行對比

營業收入 (TTM)

MCB stock ticker logoMCB
$527.15M
+7.1%
CAC stock ticker logoCAC
$367.34M
+26.8%
ORRF stock ticker logoORRF
$353.86M
+24.6%

毛利率 (最新季度)

THFF stock ticker logoTHFF
96.6%
+26.3pp
FCBC stock ticker logoFCBC
90.9%
+4.8pp
CCBG stock ticker logoCCBG
88.4%
+2.5pp

關鍵指標

股票代碼
市值
本益比 (TTM)
股東權益報酬率 (TTM)
負債率
MCBS$816.13M11.014.8%11.3%
TRST$809.74M13.08.9%3.0%
MCB$798.26M11.39.7%1.0%

長期趨勢

近4季度
營業收入
淨利
營運現金流
4季度營業收入複合增長率
3.0%
溫和增長
4季度淨利複合增長率
45.5%
盈利能力大幅提升
現金流穩定性
75%
現金流波動較大

深度研究

下次財報:2026年4月28日
|
每股收益:$1.24
|
營業收入:$65.62M
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