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Upturn AI SWOT - About
CAC 
Camden National Corporation (CAC)
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Upturn Advisory Summary
09/16/2025: CAC (1-star) is currently NOT-A-BUY. Pass it for now.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
Number of Analysts
4 Analysts rated it
Very few follow this stock; limited insights, higher-risk early investing.
1 Year Target Price $45.5
1 Year Target Price $45.5
| 0 | Strong Buy |
| 1 | Buy |
| 3 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit -9.04% | Avg. Invested days 38 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  2.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 09/16/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 684.09M USD | Price to earnings Ratio 12.78 | 1Y Target Price 45.5 |
Price to earnings Ratio 12.78 | 1Y Target Price 45.5 | ||
Volume (30-day avg) 4 | Beta 0.68 | 52 Weeks Range 33.81 - 48.55 | Updated Date 09/15/2025 |
52 Weeks Range 33.81 - 48.55 | Updated Date 09/15/2025 | ||
Dividends yield (FY) 4.16% | Basic EPS (TTM) 3.15 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 24.88% | Operating Margin (TTM) 39.48% |
Management Effectiveness
Return on Assets (TTM) 0.78% | Return on Equity (TTM) 8.47% |
Valuation
Trailing PE 12.78 | Forward PE 10.25 | Enterprise Value 1239380352 | Price to Sales(TTM) 3.46 |
Enterprise Value 1239380352 | Price to Sales(TTM) 3.46 | ||
Enterprise Value to Revenue 5.29 | Enterprise Value to EBITDA - | Shares Outstanding 16920300 | Shares Floating 16379505 |
Shares Outstanding 16920300 | Shares Floating 16379505 | ||
Percent Insiders 1.77 | Percent Institutions 73.89 |
Upturn AI SWOT
Camden National Corporation
Company Overview
History and Background
Camden National Corporation was founded in 1875 and has evolved from a local community bank to a diversified financial services provider in Maine.
Core Business Areas
- Commercial Banking: Offers a range of commercial lending, deposit, and treasury management services to businesses of all sizes.
- Retail Banking: Provides personal banking services, including checking and savings accounts, mortgages, and consumer loans.
- Wealth Management: Offers investment management, financial planning, and trust services.
Leadership and Structure
The company is led by a board of directors and an executive management team. The structure is organized around its core business segments.
Top Products and Market Share
Key Offerings
- Commercial Loans: Provide financing for business expansion, equipment purchases, and working capital. Competitors: KeyCorp, Bangor Savings Bank. Camden's loan market share is around 11% in Maine.
- Market Share (%): 11
- Market Share (%): 9
- Residential Mortgages: Offers a variety of mortgage products for home purchase and refinancing. Competitors: Bank of America, local credit unions.
- Market Share (%): 7
- Wealth Management Services: Provides investment and trust services to individuals and families. Competitors: Fidelity, Schwab.
Market Dynamics
Industry Overview
The banking industry is currently facing challenges from rising interest rates, increased competition from fintech companies, and evolving regulatory landscape.
Positioning
Camden National Corporation positions itself as a relationship-focused community bank with a strong presence in Maine. Its competitive advantage lies in its local market knowledge and customer service.
Total Addressable Market (TAM)
The total addressable market for banking services in Maine is estimated at $5 billion annually. Camden National Corporation aims to maintain and grow its share within this TAM by focusing on customer relationships and targeted growth initiatives.
Upturn SWOT Analysis
Strengths
- Strong brand reputation in Maine
- Experienced management team
- Sound asset quality
- Diversified revenue streams
Weaknesses
- Limited geographic diversification
- Smaller scale compared to national banks
- Exposure to interest rate risk
Opportunities
- Expansion into new markets within New England
- Increased adoption of digital banking services
- Acquisition of smaller community banks
- Growth in wealth management business
Threats
- Increased competition from larger banks and fintech companies
- Economic downturn in Maine
- Rising interest rates
- Cybersecurity threats
Competitors and Market Share
Key Competitors
- Bangor Savings Bank (Private)
- KeyCorp (KEY)
- People's United Financial (PBCT - acquired by M&T)
Competitive Landscape
Camden National Corporation competes primarily with other regional and national banks. Its advantages include local market knowledge and personalized customer service. Disadvantages include smaller scale and limited geographic diversification.
Major Acquisitions
Bar Harbor Bankshares
- Year: 2020
- Acquisition Price (USD millions): 120
- Strategic Rationale: Expanded Camden National Corporation's presence in coastal Maine.
Growth Trajectory and Initiatives
Historical Growth: Camden National Corporation has experienced steady growth in assets and earnings over the past decade.
Future Projections: Analysts project continued growth in the coming years, driven by organic growth and strategic acquisitions.
Recent Initiatives: Recent initiatives include investments in digital banking technology and expansion of wealth management services.
Summary
Camden National Corporation is a strong regional bank with a solid presence in Maine, known for its customer-centric approach and sound financial management. It benefits from its established brand and local expertise. The bank needs to be mindful of increasing competition and potential economic downturns, and further capitalize on digital banking opportunities.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company SEC Filings
- Analyst Reports
- Industry Publications
Disclaimers:
This analysis is for informational purposes only and should not be considered investment advice. Market conditions and company performance can change.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About Camden National Corporation
Exchange NASDAQ | Headquaters Camden, ME, United States | ||
IPO Launch date 1997-10-07 | CEO, President & Director Mr. Simon R. Griffiths | ||
Sector Financial Services | Industry Banks - Regional | Full time employees 586 | Website https://www.camdennational.com |
Full time employees 586 | Website https://www.camdennational.com | ||
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 the United States. 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 real estate loans; owner-occupied commercial real estate loans; commercial loans; residential real estate loans, including one- to four-family residences; and consumer and home equity loans. In addition, the company 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 and advisory, financial planning, and trustee services. Camden National Corporation was founded in 1875 and is headquartered in Camden, Maine.
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