US · CAC
Camden National Corporation
- Sector
- Financial Services · Banks - Regional
- Headquarters
- Camden, ME 04843
- Website
- camdennational.com
Price · as of 2024-12-31
$48.84
Market cap 781.13M
Valuation summary
Four models, one snapshot. Upside is target ÷ current − 1.
| Valuation method | Value, $ | Upside, % |
|---|---|---|
| Artificial Intelligence(AI) | $51.28 | +5% |
| Intrinsic Value(DCF) | $64.80 | +32.68% |
| Graham-Dodd Method(GD) | $22.85 | -53.21% |
| Graham Formula(GF) | $84.51 | +73.02% |
Valuation history
Annual price (USD per share) overlaid with each model's fair value. Y-axis is log scale.
| Year | Price | AI | DCF | Graham-Dodd | Graham Formula |
|---|---|---|---|---|---|
| 2010 | $13.25 | $27.50 | $11.35 | $18.71 | $3.92 |
| 2011 | $14.12 | $24.43 | $0.99 | $11.75 | $10.66 |
| 2012 | $14.88 | $25.49 | $46.26 | $16.42 | $4.88 |
| 2013 | $17.52 | $45.35 | $55.53 | $15.58 | $13.89 |
| 2014 | $17.71 | $40.69 | $57.37 | $18.06 | $17.45 |
| 2015 | $19.23 | $52.29 | $59.29 | $18.75 | $34.81 |
| 2016 | $30.40 | $37.81 | $55.06 | $20.18 | $102.14 |
| 2017 | $33.56 | $42.11 | $57.90 | $15.23 | $21.95 |
| 2018 | $32.87 | $40.86 | $63.34 | $22.41 | $55.10 |
| 2019 | $30.70 | $43.80 | $61.35 | $25.06 | $69.25 |
| 2020 | $39.95 | $34.11 | $70.39 | $28.99 | $26.96 |
| 2021 | $42.64 | $27.31 | $90.37 | $31.90 | $15.50 |
| 2022 | $33.22 | $44.07 | $73.95 | $21.24 | $65.41 |
| 2023 | $30.17 | $55.43 | $48.29 | $17.11 | $80.64 |
| 2024 | $39.78 | $51.28 | $47.38 | $22.85 | $84.50 |
AI valuation
Our deep-learning model estimates Camden National Corporation's (CAC) per-share fair value from quarterly fundamentals, sector trend, and historical valuation patterns.
- AI fair value
- $51.28
- Current price
- $48.84
- AI upside
- +5%
Methodology and confidence bands appear in the dedicated valuation theory section. The AI score is an estimate, not a recommendation.
Intrinsic value (DCF)
Open DCF calculatorThree textbook valuation models, recomputed daily from the latest financial statements. The DCF uses our Chepakovich model. Graham-Dodd and Graham Formula are conservative reference points.
DCF
$64.80
+32.68% upside
Graham-Dodd
$22.85
-53.21% upside
Graham Formula
$84.51
+73.02% upside
Peer comparison
Same-industry comparables, ranked by market cap.
| Basic Info | Model Valuation | Core Valuation | Profitability | Leverage & Liquidity | Growth | Cash Flow | Dividends | Enterprise Value | Risk | ||||||||||||||||||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Ticker | Company Name | Price | Market Cap | AI Upside | DCF Upside | GD Upside | GF Upside | P/E | P/B | P/S | EV/EBITDA | PEG | P/TBV | Gross Margin | Operating Margin | Net Margin | ROE | ROIC | ROA | Debt/Equity | Interest Coverage | Current Ratio | Quick Ratio | Net Debt/EBITDA | EPS Growth | Sales Growth | FCF Growth | FCF Yield | Op Cash Flow Ratio | Cash ROIC | Dividend Yield | Dividend Payout | Shareholder Yield | EV/EBIT | EV/FCF | EV/Sales | Altman Z-Score |
| CAC | Camden National Corporati… | $48.84 | 781.13M | +5% | +33% | -53% | +73% | 10.94 | 1.09 | 2.00 | 4.79 | 50.00 | 1.33 | 59.41% | 22.59% | 18.29% | 10.33% | 18.19% | 0.92% | 1.03 | 0.56 | 0.15 | 0.15 | 4.76 | 2189.00% | 1574.00% | -1469.00% | 9.54% | 0.01 | 19.00% | 4.23% | 46.30% | 21.78% | 5.07 | 6.00 | 1.15 | -0.62 |
| CCBG | Capital City Bank Group, … | $42.85 | 731.31M | -22% | -26% | -39% | +7% | 11.33 | 1.21 | 2.29 | 2.52 | 695.66 | 1.49 | 84.84% | 25.00% | 20.18% | 11.22% | 52.59% | 1.23% | 0.17 | 1.84 | 0.13 | 0.13 | 0.16 | 163.00% | 673.00% | 1498.00% | 9.15% | 0.02 | 55.89% | 2.49% | 28.20% | 2.87% | 2.82 | 3.37 | 0.71 | -0.53 |
| GSBC | Great Southern Bancorp, I… | $61.53 | 688.48M | +41% | -23% | +41% | -51% | 10.09 | 1.13 | 2.09 | 3.38 | 57.04 | 1.14 | 66.93% | 25.43% | 20.67% | 11.49% | 18.06% | 1.23% | 0.64 | 0.77 | 2.54 | 2.54 | 3.52 | 1768.00% | -337.00% | -10000.00% | 0.00% | 0.00 | 0.00% | 0.00% | 0.00% | 0.00% | 3.38 | — | 0.86 | 0.46 |
| HTBK | Heritage Commerce Corp | $12.43 | 765.19M | +275% | +1% | -68% | -39% | 14.41 | 0.85 | 2.32 | -9.98 | — | 1.13 | 67.71% | 22.54% | 16.12% | 5.95% | -12.80% | 0.75% | 0.06 | 0.72 | 0.25 | 0.25 | -15.42 | -3714.00% | 335.00% | -4765.00% | 6.39% | 0.01 | -11.79% | 5.45% | 78.60% | 101.31% | -10.60 | -16.08 | -2.39 | -0.57 |
| IBCP | Independent Bank Corporat… | $34.75 | 719.05M | +17% | -26% | -37% | +75% | 9.56 | 1.40 | 2.02 | 6.64 | 72.10 | 1.69 | 66.92% | 26.25% | 21.11% | 15.55% | 112.83% | 1.26% | 0.27 | 0.83 | 0.03 | 0.03 | 0.05 | 1326.00% | 1145.00% | -2065.00% | 8.64% | 0.01 | 93.25% | 3.14% | 30.00% | 3.14% | 7.44 | 11.19 | 1.95 | -0.77 |
| MCB | Metropolitan Bank Holding… | $84.15 | 866.58M | +5% | +146% | +23% | +18% | 12.80 | 1.23 | 1.73 | 3.15 | 110.05 | 1.23 | 52.64% | 19.26% | 13.49% | 9.65% | 13.26% | 0.91% | 0.00 | 0.48 | — | — | -0.12 | 1164.00% | 710.00% | -3919.00% | 9.74% | — | 16.54% | 0.00% | 0.00% | 29.58% | 3.15 | 3.60 | 0.61 | 0.34 |
| MCBS | MetroCity Bankshares, Inc… | $28.10 | 809.79M | +75% | +6% | -40% | +78% | 10.75 | 1.65 | 2.96 | 9.11 | 43.44 | 1.65 | 59.36% | 37.25% | 27.52% | 16.07% | 11.65% | 1.82% | 0.91 | 0.92 | 0.10 | 0.10 | 1.62 | 2475.00% | 1196.00% | -1938.00% | 8.97% | 0.02 | 11.24% | 3.04% | 32.60% | 9.77% | 9.42 | 13.22 | 3.51 | -0.41 |
| MPB | Mid Penn Bancorp, Inc. | $32.17 | 741.27M | -6% | +25% | +3% | +151% | 9.00 | 0.68 | 1.45 | 3.18 | 33.80 | 0.85 | 56.94% | 19.57% | 16.12% | 8.26% | 9.72% | 0.92% | 0.12 | 0.46 | 0.07 | 0.07 | 0.42 | 2664.00% | 2057.00% | -1029.00% | 9.99% | 0.01 | 8.74% | 3.11% | 28.00% | 58.93% | 3.54 | 4.78 | 0.69 | -0.76 |
| NBBK | NB Bancorp, Inc. Common S… | $21.34 | 803.4M | +72% | -16% | +16% | +75% | 16.85 | 0.93 | 2.34 | 8.54 | 4.61 | 0.93 | 52.82% | 19.28% | 13.86% | 5.53% | 6.28% | 0.87% | 0.16 | 0.45 | 0.08 | 0.08 | -1.47 | 36522.00% | 2801.00% | -1756.00% | 5.81% | 0.01 | 6.15% | 0.00% | 0.00% | 39.88% | 8.97 | 12.75 | 1.73 | -0.62 |
| ORRF | Orrstown Financial Servic… | $35.94 | 700.79M | +1% | +31% | -32% | +184% | 20.65 | 0.88 | 1.60 | -11.03 | — | 1.14 | 61.20% | 9.79% | 7.76% | 5.64% | -9.07% | 0.52% | 0.41 | 0.30 | 0.24 | 0.24 | -1.04 | -5673.00% | 6299.00% | -1939.00% | 7.33% | 0.01 | -13.73% | 2.89% | 59.80% | 37.07% | -14.87 | -12.39 | -1.46 | -0.63 |
| THFF | First Financial Corporati… | $63.36 | 750.85M | +78% | -16% | +26% | +48% | 9.70 | 1.18 | 2.35 | -0.29 | 14.47 | 1.43 | 77.68% | 30.44% | 24.26% | 13.20% | -77.42% | 1.40% | 0.74 | 1.31 | 4.47 | 4.47 | 3.23 | 6700.00% | 616.00% | -10000.00% | 0.00% | 0.00 | 0.00% | 0.00% | 0.00% | 0.00% | -0.31 | — | -0.10 | 0.60 |
About Camden National Corporation
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. The company accepts checking, savings, time, and brokered deposits, as well as deposits with the certificate of deposit account registry system. It also offers non-owner-occupied commercial estate loans, owner-occupied commercial real estate loans, unsecured fully-guaranteed commercial loans backed by the U.S. small business administration, loans secured by one-to four-family properties, 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, financial planning, and trustee services. As of December 31, 2021, the company had 57 branches within Maine; one residential mortgage lending office in Braintree, Massachusetts; two locations in New Hampshire, including a branch in Portsmouth and a commercial loan production office in Manchester; and an online residential mortgage and small commercial digital loan platform, as well as 66 ATMs. Camden National Corporation was founded in 1875 and is headquartered in Camden, Maine.
- CEO
- Simon R. Griffiths
- Employees
- 586
- Beta
- 0.65
Disclaimer: Information on this page is provided for educational purposes only and does not constitute investment advice. Upside computed as ($64.80 ÷ $48.84) − 1 = +32.68% (DCF, example).