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Upturn AI SWOT - About
CAC 
Camden National Corporation (CAC)
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Upturn Advisory Summary
06/30/2025: 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
Limited analyst coverage, niche firm, research info may be scarce.
1 Year Target Price $48.25
1 Year Target Price $48.25
| 0 | Strong Buy |
| 1 | Buy |
| 3 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 1.76% | Avg. Invested days 41 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  2.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 06/30/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 688.09M USD | Price to earnings Ratio 12.96 | 1Y Target Price 48.25 |
Price to earnings Ratio 12.96 | 1Y Target Price 48.25 | ||
Volume (30-day avg) 4 | Beta 0.63 | 52 Weeks Range 30.44 - 49.02 | Updated Date 06/30/2025 |
52 Weeks Range 30.44 - 49.02 | Updated Date 06/30/2025 | ||
Dividends yield (FY) 4.13% | Basic EPS (TTM) 3.13 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 25.53% | Operating Margin (TTM) 32.1% |
Management Effectiveness
Return on Assets (TTM) 0.74% | Return on Equity (TTM) 8.24% |
Valuation
Trailing PE 12.96 | Forward PE 10.25 | Enterprise Value 1105938688 | Price to Sales(TTM) 3.73 |
Enterprise Value 1105938688 | Price to Sales(TTM) 3.73 | ||
Enterprise Value to Revenue 5.66 | Enterprise Value to EBITDA - | Shares Outstanding 16902200 | Shares Floating 16361291 |
Shares Outstanding 16902200 | Shares Floating 16361291 | ||
Percent Insiders 1.78 | Percent Institutions 73.61 |
Analyst Ratings
Rating 2 | Target Price 48.25 | Buy 1 | Strong Buy - |
Buy 1 | Strong Buy - | ||
Hold 3 | Sell - | Strong Sell - | |
Strong Sell - |
Upturn AI SWOT
Camden National Corporation
Company Overview
History and Background
Camden National Corporation was founded in 1875 as Camden National Bank. It has grown organically and through acquisitions to become a leading community bank in Maine, providing a range of financial services to individuals, businesses, and municipalities.
Core Business Areas
- Commercial Banking: Provides commercial loans, deposit accounts, and other financial services to businesses.
- Retail Banking: Offers personal banking services, including checking and savings accounts, mortgages, and personal loans.
- Wealth Management: Provides investment management, financial planning, and trust services.
Leadership and Structure
The company is led by a board of directors and an executive management team. Gregory Dufour is the current President and CEO. The organizational structure consists of various departments overseeing different aspects of banking operations.
Top Products and Market Share
Key Offerings
- Commercial Loans: Loans to businesses for various purposes such as working capital, equipment financing, and real estate. Camden National has a strong presence in Maine's commercial lending market, facing competition from larger national banks and other regional players. Specific market share data is difficult to obtain precisely, but they are a major local player.
- Competitors: Bangor Savings Bank,TD Bank,KeyBank
- Competitors: Rocket Mortgage,Bank of America,Bangor Savings Bank
- Mortgage Lending: Residential mortgages for home purchases and refinancing. Camden National competes with national mortgage lenders and other local banks. Market share varies depending on local economic conditions. Difficult to get exact market share.
- Competitors: Bangor Savings Bank,TD Bank,KeyBank
- Deposit Accounts: Checking, savings, and money market accounts for individuals and businesses. Camden National aims to capture a larger share of the deposit market within its geographic footprint. Difficult to get exact market share, but is a major local player.
Market Dynamics
Industry Overview
The banking industry is currently facing challenges from rising interest rates, increased competition from fintech companies, and evolving customer expectations.
Positioning
Camden National Corporation positions itself as a relationship-focused community bank providing personalized service and local expertise. Its competitive advantage lies in its strong brand reputation and deep understanding of the Maine market.
Total Addressable Market (TAM)
The TAM encompasses all banking and wealth management services in Maine. While the exact figure is dynamic, it represents billions of dollars. Camden National Corporation is well-positioned to capture a significant share of this TAM due to its local focus and strong relationships.
Upturn SWOT Analysis
Strengths
- Strong brand reputation in Maine
- Experienced management team
- High customer loyalty
- Conservative lending practices
- Strong capital position
Weaknesses
- Limited geographic diversification
- Reliance on the Maine economy
- Higher operating costs compared to larger banks
- Slower technology adoption compared to fintech companies
Opportunities
- Expansion into new markets within New England
- Increased investment in technology to improve efficiency
- Growing wealth management business
- Acquisition of smaller community banks
- Capitalizing on disruption caused by larger bank failures.
Threats
- Rising interest rates
- Increased competition from online lenders
- Economic downturn in Maine
- Cybersecurity threats
- Increased regulatory scrutiny
Competitors and Market Share
Key Competitors
- BOSC
- KEY
- TFC
Competitive Landscape
Camden National Corporation's advantages include its local focus, strong brand reputation, and experienced management team. Disadvantages include its limited geographic diversification and slower technology adoption compared to larger competitors.
Major Acquisitions
1st Choice Bank
- Year: 2016
- Acquisition Price (USD millions): 56.5
- Strategic Rationale: Expanded Camden National's presence in the Bangor market.
Growth Trajectory and Initiatives
Historical Growth: Camden National Corporation has experienced steady growth over the past decade, driven by organic expansion and strategic acquisitions.
Future Projections: Analysts expect continued growth in the coming years, driven by growth in Maine's economy and further expansion of the bank's product offerings.
Recent Initiatives: Recent initiatives include investments in digital banking platforms and expansion of wealth management services.
Summary
Camden National Corporation is a strong regional bank with a loyal customer base and a solid financial foundation. Its focus on relationship banking and local expertise provides a competitive advantage. However, its limited geographic diversification and slower technology adoption pose challenges. Growth opportunities exist through expansion into new markets and investment in digital platforms.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company Filings (10-K, 10-Q), Press Releases, Analyst Reports, FDIC Data
Disclaimers:
This analysis is based on publicly available information and is not financial advice. 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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