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Upturn AI SWOT - About
CAC 
Camden National Corporation (CAC)
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Upturn Advisory Summary
10/21/2025: 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 $45.25
1 Year Target Price $45.25
| 0 | Strong Buy |
| 1 | Buy |
| 3 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit -9.01% | 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 10/21/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 622.50M USD | Price to earnings Ratio 11.64 | 1Y Target Price 45.25 |
Price to earnings Ratio 11.64 | 1Y Target Price 45.25 | ||
Volume (30-day avg) 4 | Beta 0.64 | 52 Weeks Range 33.44 - 48.02 | Updated Date 10/20/2025 |
52 Weeks Range 33.44 - 48.02 | Updated Date 10/20/2025 | ||
Dividends yield (FY) 4.71% | Basic EPS (TTM) 3.16 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date 2025-10-28 | When Before Market | Estimate 1.19 | 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 11.64 | Forward PE 10.25 | Enterprise Value 1162054656 | Price to Sales(TTM) 3.15 |
Enterprise Value 1162054656 | Price to Sales(TTM) 3.15 | ||
Enterprise Value to Revenue 5.09 | Enterprise Value to EBITDA - | Shares Outstanding 16920277 | Shares Floating 16376290 |
Shares Outstanding 16920277 | Shares Floating 16376290 | ||
Percent Insiders 1.79 | Percent Institutions 74.29 |
Upturn AI SWOT
Camden National Corporation
Company Overview
History and Background
Camden National Corporation was founded in 1875 and has grown to become a leading community bank in Maine. It provides a wide range of financial services to individuals, businesses, and municipalities.
Core Business Areas
- Commercial Banking: Provides lending, deposit, and treasury management services to businesses.
- Retail Banking: Offers deposit accounts, loans, mortgages, and investment services to individuals and families.
- Wealth Management: Provides investment management, financial planning, and trust services to high-net-worth individuals and institutions.
Leadership and Structure
The company is led by a board of directors and a senior management team. Gregory A. Dufour is the President and CEO. The organizational structure is typical of a community bank, with departments focused on lending, operations, finance, and compliance.
Top Products and Market Share
Key Offerings
- Commercial Loans: Offerings encompass term loans, lines of credit, and commercial mortgages, serving businesses of all sizes. Competitors include Bangor Savings Bank, KeyBank, and TD Bank. Market share data is difficult to obtain precisely for this specific product segment; overall Camden National has a large market presence in Maine.
- Mortgage Lending: Residential mortgage products offered to consumers include fixed-rate mortgages, adjustable-rate mortgages, and government-backed loans. Competitors include major national mortgage lenders and other regional banks. Market share data is difficult to obtain precisely for this specific product segment; overall Camden National has a large market presence in Maine.
- Wealth Management Services: Offerings cover portfolio management, financial planning, retirement planning, and trust services. Competitors include large brokerage firms such as Fidelity, Schwab, and other regional wealth management firms. Market share data is difficult to obtain precisely for this specific product segment; overall Camden National has a large market presence in Maine.
Market Dynamics
Industry Overview
The banking industry is facing increased competition from fintech companies and other non-traditional lenders. Interest rates, regulatory changes, and economic conditions significantly impact profitability.
Positioning
Camden National Corporation positions itself as a customer-focused community bank with strong local ties. Its competitive advantage lies in its personalized service and deep understanding of the Maine market.
Total Addressable Market (TAM)
The TAM for banking services in Maine is estimated to be in the billions of dollars annually. Camden National is well-positioned to capture a significant portion of this market through its local presence and customer relationships.
Upturn SWOT Analysis
Strengths
- Strong brand reputation in Maine
- Experienced management team
- Solid asset quality
- Strong community relationships
- Diversified revenue streams
Weaknesses
- Limited geographic diversification
- Dependence on the Maine economy
- Smaller scale compared to national banks
- Higher cost structure relative to larger peers
- Exposure to interest rate risk
Opportunities
- Expansion into new markets within New England
- Increased adoption of digital banking technologies
- Growth in wealth management business
- Strategic acquisitions of smaller banks
- Capitalizing on unmet financial needs in underserved markets
Threats
- Increased competition from national and online banks
- Rising interest rates
- Economic downturn in Maine
- Regulatory changes
- Cybersecurity threats
Competitors and Market Share
Key Competitors
- BOSC
- SBNY
- OFG
Competitive Landscape
Camden National Corporation competes with a mix of national and regional banks. Its competitive advantage lies in its strong local presence and customer relationships. Competitors focus on price, convenience, and technology.
Major Acquisitions
The Bank of Maine
- Year: 2015
- Acquisition Price (USD millions): 133
- Strategic Rationale: Expanded Camden National's presence in central Maine and increased its market share.
Growth Trajectory and Initiatives
Historical Growth: Camden National Corporation has experienced steady growth in assets, loans, and deposits over the past decade.
Future Projections: Analysts project continued growth in revenue and earnings, driven by expansion in new markets and increased adoption of digital banking technologies.
Recent Initiatives: Recent initiatives include investments in technology, expansion of wealth management services, and strategic acquisitions.
Summary
Camden National Corporation demonstrates robust fundamentals and a solid presence within the Maine banking sector. Steady growth, strategic acquisitions, and commitment to technology contribute to its positive trajectory. It should watch out for increased competition from larger banks and fintech firms, and it must navigate changes to economy and government policies.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company filings
- Analyst reports
- Industry publications
Disclaimers:
The information provided is for informational purposes only and should not be considered financial advice. Market data is approximate and subject to change. Any investment decisions should be made after consulting with a qualified financial advisor.
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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