NASDAQ
CAC
Last Price
US $55.79
KEY FIGURES
MKT CAP
$0.9B
EPS
TTM
$4.70
PEG
TTM
0.24x
P/E
TTM
11.54x
P/S
TTM
2.50x
YIELD
3.09%
GROWTH
Revenue Y/Y
12.49%
(FY vs FY)
EBITDA Y/Y
Cash Flow (DCF)
Fair Value
Market $55.79
-46.03%
Default assumptions
EBITDA Multiple
Fair Value
Market $55.79
-90.03%
Default assumptions
Valuation
Financial
Performance
Financial risk - Cash flow debt coverage.
Camden National Corp. cash flow to debt ratio of 9.92% indicates that the company cannot generate enough cash to cover its debt over time. This level indicates weak financial health.
Financial stability - Healthy cash flow growth.
Camden National Corp.'s free cash flow has increased 5.14% from $55.36M last year to $58.20M, signaling increasing performance
Financial risk - Healthy debt to equity ratio.
Camden National Corp.'s debt to equity ratio is 0.85, which means that the company's assets are unhealthy financed, signaling financial risk. READ MORE: A ratio over 0.60 means the company finances its assets with debt, signaling financial risk. If ratio is negative, the company spent its own equity and risks bankruptcy
Financial stability - Healthy debt to equity ratio development.
Camden National Corp.'s debt has decreased relative to shareholder equity from 1.03 last year to 0.85 today, signaling strengthened financials
Financial risk - Net debt/EBITDA.
Camden National Corp. has a net debt to EBITDA ratio of 5.97x, which exceeds the 3.00x threshold, indicating high leverage and potential financial risk
Financial stability - ICR.
Camden National Corp. earns at least as much interest as it pays. Interest obligations are fully covered.
Financial stability - Profit margin growth.
Camden National Corp.'s profit margin has increased (21.78%) in the last year from 18.29% to 22.28%, signaling increasing performance
Financial stability - Short term assets vs short term liabilities.
Camden National Corp.'s short-term assets of $1.03G exceed its short-term liabilities of $581.78M
Decreasing performance - ROA.
Camden National Corp.'s return on assets of 1.15% is lower than the 5.00% threshold, indicating inefficient asset utilization
Decreasing performance - Absolute return on equity.
Camden National Corp.'s return on equity of 11.66%, is lower than 15.00%, indicating bad performance
Decreasing performance - Earnings quality.
Camden National Corp.'s operating cash flow is lower than its net income, indicating that earnings may not be fully backed by cash generation
Increasing performance - Earnings stability.
Camden National Corp. had positive net income in 5.00 out of 5 years, indicating stable and consistent earnings
Increasing performance - Free cash flow.
Camden National Corp. has positive free cash flow, indicating the company generates cash after capital expenditures
Increasing performance - FCF yield.
Camden National Corp. has a free cash flow yield of 6.33%, which is above the 2.00% threshold, indicating strong cash generation relative to market value
Increasing performance - Healthy earnings growth.
Camden National Corp.'s yearly earnings has increased 22.93% since last year from $53.00M to $65.16M, signaling increasing performance
Increasing performance - Healthy revenue growth.
Camden National Corp.'s yearly revenue has increased 26.79% since last year from $289.72M to $367.34M, signaling increasing performance
Decreasing performance - ROIC.
ROIC 1.04% (Source: FMP key-metrics). Below the 5% partial-credit threshold. Score: 0 of 2. The 5% and 10% cutoffs anchor to typical US weighted-average cost of capital. Below 5% indicates the company is not generating returns above its likely cost of capital under this definition of invested capital. Invested capital here includes equity, non-current liabilities (pension obligations, deferred taxes, lease obligations), and short-term debt. Cash is not subtracted. Companies with substantial float, lease portfolios, or cash holdings will score lower under this definition than under narrower operating-capital definitions. See methodology.
Increasing performance - 3-year revenue CAGR.
Camden National Corp.'s 3-year revenue CAGR of 20.70% is positive, indicating growing revenue over the past 3 years
Increasing performance - Revenue consistency.
Camden National Corp. had revenue growth in 4.00 out of 5 years, indicating consistent revenue performance
Increasing performance - ROE consistency.
Camden National Corp. had positive ROE in 5.00 out of 5 years, indicating consistent and reliable returns on equity
Overvalued - DCF valuation.
Camden National Corp. is overvalued relative to its fair value price of 30.11 based on Discounted Cash Flow model
Undervalued - Earnings yield.
Camden National Corp. has an earnings yield of 8.65%, which is above the 4.00% threshold, indicating the stock offers reasonable value relative to its earnings
Overvalued - EBITDA valuation.
Camden National Corp. is overvalued relative to its fair value price of 5.56 based on EBITDA multiple model
Undervalued - EV/EBITDA.
Camden National Corp. has an EV/EBITDA ratio of 16.61x, which is below the 20.00x threshold, indicating reasonable valuation relative to its operating earnings
Undervalued - PEG ratio value.
Camden National Corp. has a PEG-ratio under 1 which is considered undervalued
Undervalued - P/B ratio.
Camden National Corp. has a price-to-book ratio of 1.30x, which is below the 5.00x threshold, indicating reasonable valuation relative to its book value
Undervalued - P/S ratio.
Camden National Corp. has a price-to-sales ratio of 2.57x, which is below the 8.00x threshold, indicating reasonable valuation relative to its revenue
Profit margin
Current Ratio
Capital Returns
11.66%
Return on equity
ROIC: 1.04%
Valuation History
11.5X
Price to Earnings
EV/EBITDA: 16.6X
Cash flow
Profit margin
3.02%
(FY vs FY)
Cash flow Y/Y
30.63%
(FY vs FY)
Base valuations use default assumptions. Customize in the Valuator.