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Upturn AI Summary - About
Camden National Corporation(CAC)
Advisory History & Simulated Performance *
*as per simulation (see disclosures)- ALL
- 1Y
- 1M
- 1W
- BUY Advisory
- SELL Advisory (Profit)
- SELL Advisory (Loss)
- Profit
- Loss
- PASS (Skip)
Stock price based on last close Advisory Performance History (Simulated)
Upturn Advisory & Investor View for CAC
11/09/2026: CAC (2-star) has a low Upturn Star Rating. Not recommended to BUY.
Camden National Corporation is a community-focused regional bank headquartered in Maine, serving clients through a blend of traditional banking and wealth management services. The company is known for its strong community relationships and conservative lending practices, which have historically supported steady earnings. Its primary growth opportunity lies in leveraging digital transformation to gain efficiencies and capture new customers in its core New England markets. However, the company faces risks from geographic concentration, interest rate sensitivity, and competition from both large national banks and fintech providers. It is best suited for income-focused and long-term value investors who should monitor interest rate trends and acquisition activity.
How to Read the Upturn Advisory
The Upturn Star Rating and the current BUY, SELL, or PASS advisory are generated by Upturn’s AI advisory engine based on proprietary signal analysis, price behavior, advisory history, and historical signal performance.
Company fundamentals, valuation, risks, and news provide supporting context about the business.
Investor Fit
| Investor style | Fit | Why |
|---|---|---|
| Growth investor | Mixed fit | The company offers steady but slow growth, typical of a mature regional bank. |
| Momentum investor | Weak fit | This stock generally exhibits low momentum and is better suited for long-term holders. |
| Value investor | Strong fit | The stock often trades at reasonable valuation multiples relative to regional bank peers. |
| Dividend investor | Strong fit | The consistent dividend payout and yield provide reliable income for income-oriented investors. |
| Low-risk investor | Strong fit | The company maintains a conservative risk profile and stable business model. |
Risk Profile
| Risk factor | Level | Why it matters |
|---|---|---|
| Price volatility | Medium | Regional bank stocks can be volatile during interest rate cycles or economic shifts. |
| Valuation risk | Low | The stock is generally priced based on core earnings and book value. |
| Competition risk (Banking) | Medium / high | Competition from large national banks and fintechs is continuous. |
| Business quality | Strong | The company has a long history of solid operational performance. |
| Dividend income | Strong | Dividends are well-supported by core banking earnings. |
| Execution risk | Medium | Integrating acquisitions and managing digital transitions requires disciplined management. |
Price Behavior
Strong Uptrend
The stock has maintained a strong upward price trend across the last three quarters.
Smooth
The stock has moved along a generally orderly path with only modest fluctuations.
Analysis of Past Performance
Type Stock | Historic Profit 21.3% | Avg. Invested days 43 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Advisory Rating  | Upturn Advisory Performance  3.0 | Stock Returns Performance  3.0 |
| Profits based on simulation | Last Close 11/09/2026 |
Upturn Scorecard
Upturn Star Rating 
Company Fundamentals
Financial Health Rating
Growth Momentum Score
Ownership
Top 5 Institutional Investors
Unit Economics (Per $1K Revenue)
Economic Dimensions
Quantitative Style Profile
Style Classification
Quality Focused
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 980.09M USD | Price to earnings Ratio 10.93 | 1Y Target Price 60.2 |
Price to earnings Ratio 10.93 | 1Y Target Price 60.2 | ||
Volume (30-day avg) 86.0K shares | Beta 0.57 | 52 Weeks Range 36.64 - 61.00 | Updated Date 11/08/2026 |
52 Weeks Range 36.64 - 61.00 | Updated Date 11/08/2026 | ||
Dividends yield (FY) 2.90% | Basic EPS (TTM) 5.31 |
How Company Makes Money
| Business area | What it includes | Retail investor read |
|---|---|---|
| Net Interest Income | Interest earned on loans and securities minus interest paid on deposits. | The bank makes most of its money from the spread between what it charges on loans and pays on deposits. |
| Non-Interest Income | Fees from wealth management, deposit services, and mortgage banking. | Service fees and wealth management revenue provide a secondary, more stable income stream. |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date 2026-10-27 | When Before Market | Estimate 1.32 | Actual 1.34 |
Profitability
Profit Margin 34.42% | Operating Margin (TTM) 47.18% |
Management Effectiveness
Return on Assets (TTM) 1.29% | Return on Equity (TTM) 12.93% |
Valuation
Trailing PE 10.93 | Forward PE 10.25 | Enterprise Value 1.12B | Price to Sales(TTM) 3.74 |
Enterprise Value 1.12B | Price to Sales(TTM) 3.74 | ||
Enterprise Value to Revenue 4.18 | Enterprise Value to EBITDA - | Shares Outstanding 16.89M | Shares Floating 16.46M |
Shares Outstanding 16.89M | Shares Floating 16.46M | ||
Percent Insiders 2.13 | Percent Institutions 77.89 |
Financial Metrics
🧭 Investment Snapshot
Total Revenue (Scale)
Total money earned from selling products or services before any costs. It is needed to understand the scale of the business and its ability to generate income.
Net Income (Profit)
Final profit after all expenses, interest, and taxes are deducted. It is needed to determine the overall profitability available to shareholders.
Free Cash Flow (Cash Strength)
Cash remaining after operating activities and capital expenditures, showing cash available for growth. It is needed to evaluate the company’s ability to invest, pay dividends, or reduce debt.
📈 Growth & Strength
Operating Income (Core Profit)
Profit from core operations after deducting all operating expenses. It is needed to measure how efficiently the company runs its primary business activities.
EBITDA (Cash Earnings)
Earnings before interest, taxes, depreciation, and amortization, indicating operating cash potential. It is needed to compare operating performance across companies without accounting or financing differences.
Gross Profit (Unit Profitability)
Revenue minus cost of revenue, showing profit after direct production costs. It is needed to evaluate core business profitability before overhead expenses.
🛡️ Financial Safety
Cash (Liquidity Buffer)
Total cash and cash equivalents on hand. It is needed to evaluate immediate liquidity and financial flexibility.
Total Debt (Leverage Risk)
Total debt including both short-term and long-term components. It is needed to assess the company’s leverage and financial risk.
Net Working Capital (Short-Term Health)
Current assets minus current liabilities, indicating short-term liquidity strength. It is needed to assess whether the company can meet its short-term obligations.
🧱 Balance Sheet Strength
Stockholder Equity (Net Worth)
Total equity value held by shareholders. It is needed to understand the net worth of the company from the owners’ perspective.
Total Assets (Asset Base)
The full value of everything the company owns, including cash, inventory, equipment, and investments. It is needed to understand the resource base used to generate revenue.
Income Before Tax (Pre-Tax Earnings)
Income before provision for income taxes. It is needed to analyze profitability independent of tax structures.
⚙️ Cost & Drag Factors
Cost of Revenue (Production Cost)
Direct costs required to produce and deliver the products or services sold. It is needed to assess efficiency in production and service delivery.
Total Operating Expenses (Operating Cost)
Indirect costs of running the business such as salaries, marketing, and administration. It is needed to understand how much it costs to sustain ongoing business operations.
Income Tax Expense (Tax Drag)
Amount of taxes paid or payable to the government. It is needed to evaluate the impact of taxation on overall profitability.
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