Camden National Corporation (CAC) Stock Analysis — PE Ratio, PS Ratio, Intrinsic Value & 2030 Price Target
Camden National Corporation stock (CAC) is currently trading at $46.74. Camden National Corporation PE ratio is 11.79. Camden National Corporation PS ratio (Price-to-Sales) is 3.28. Analyst consensus price target for CAC is $51.75. WallStSmart rates CAC as Moderate Buy.
- CAC PE ratio analysis and historical PE chart
- CAC PS ratio (Price-to-Sales) history and trend
- CAC intrinsic value — DCF, Graham Number, EPV models
- CAC stock price prediction 2025 2026 2027 2028 2029 2030
- CAC fair value vs current price
- CAC insider transactions and insider buying
- Is CAC undervalued or overvalued?
- Camden National Corporation financial analysis — revenue, earnings, cash flow
- CAC Piotroski F-Score and Altman Z-Score
- CAC analyst price target and Smart Rating
Camden National Corporation
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CAC Intrinsic Value Analysis for Value Investors
Benjamin Graham Formula · Camden National Corporation (CAC)
CAC trades at a significant discount to its Graham intrinsic value of $179.71, offering a 72% margin of safety — a level value investors typically seek before buying.
Based on Benjamin Graham Formula. Growth rate capped at 25%. For informational purposes only. Not financial advice.
Smart Analysis
Camden National Corporation (CAC) · 9 metrics scored
Smart Score
Category Performance
WallStSmart pulls financial metrics like revenue growth, profit margins, and valuation ratios and scores each one from 0 to 10 based on how strong or weak it is. Those 10 scores are grouped into 4 categories: Growth, Profitability, Valuation, and Quality — which form the 4 axes of the spider chart you see. The categories are then combined into a final score out of 100, but not equally. Growth and Profitability together count for 60% of the total, because a fast-growing profitable business matters more than just a cheap one. That final number maps to a rating (Strong Buy, Buy, Hold, Avoid) and a letter grade, giving you one clear Stock Rating.
Investment Thesis
Strong fundamentals in operating margin, price/book, revenue growth. Overall metrics suggest strong investment potential with favorable risk/reward.
Camden National Corporation (CAC) Key Strengths (6)
Keeps $48 of every $100 in revenue after operating costs
Revenue surging 39.20% year-over-year
Earnings per share surging 33.80% year-over-year
Keeps $28 of every $100 in revenue as net profit
74.61% of shares held by major funds and institutions
Trading at 1.10x book value, attractively priced
Supporting Valuation Data
Camden National Corporation (CAC) Areas to Watch (3)
Small-cap company with higher risk but more growth potential
Moderate profitability with room for improvement
Revenue is fairly priced at 3.28x sales
Camden National Corporation (CAC) Detailed Analysis Report
Overall Assessment
This company scores 74/100 in our Smart Analysis, earning a B grade. Out of 9 metrics analyzed, 6 register as strengths (avg 9.7/10) while 3 fall into concern territory (avg 5.3/10). All four categories (Growth, Profitability, Valuation, and Quality) show healthy scores, indicating broadly sound fundamentals.
The Bull Case
The strongest argument centers on Operating Margin, Revenue Growth, EPS Growth. Valuation metrics including Price/Book (1.10) suggest the stock is attractively priced. Profitability is solid with Operating Margin at 47.50%, Profit Margin at 27.90%. Growth metrics are encouraging with Revenue Growth at 39.20%, EPS Growth at 33.80%.
The Bear Case
The primary concerns are Market Cap, Return on Equity, Price/Sales. Some valuation metrics including Price/Sales (3.28) suggest expensive pricing. Profitability pressure is visible in Return on Equity at 10.60%.
Key Dynamics to Monitor
Three factors to monitor going forward. First, whether Market Cap improves, as this is the primary drag on the overall score. Second, margin trajectory, with Return on Equity at 10.60% needing improvement to support the investment thesis. Third, growth sustainability, with Revenue Growth at 39.20% strong but requiring continuation.
Risk Considerations
Based on the metric profile, this is a moderate risk investment. The weight of evidence leans positive, with more strengths than concerns. Investors should size positions according to their risk tolerance and maintain diversification.
Bottom Line
The combination of Operating Margin and Revenue Growth makes a compelling case at current levels. The key risk is Market Cap, but the overall fundamental picture is positive with a clear path to maintaining or improving the current B grade.
Disclaimer: Smart Analysis is a scoring system developed by WallStSmart Team. Scores update daily using multi-model valuation framework. Always conduct your own research and consult with financial advisors before making investment decisions.
CAC Price-to-Sales(PS) Ratio Chart
Historical valuation based on market cap ÷ trailing 12-month revenue
CAC's Price-to-Sales ratio of 3.28x sits near its historical average of 3.34x (14th percentile), suggesting the market is pricing in steady-state growth. The current valuation is 6% below its historical high of 3.5x set in Feb 2026, and 0% above its historical low of 3.27x in Mar 2026.
WallStSmart Analysis Synopsis
Data-driven financial summary for Camden National Corporation (CAC) · FINANCIAL SERVICES › BANKS - REGIONAL
The Big Picture
Camden National Corporation is a strong growth company balancing expansion with improving profitability. Revenue reached 233M with 39% growth year-over-year. Profit margins are strong at 27.9%, reflecting pricing power and operational efficiency.
Key Findings
Revenue growing at 39% YoY, reaching 233M. This pace significantly outperforms most BANKS - REGIONAL peers.
ROE of 1060.0% means the company generates strong returns on shareholder equity. Above 20% is considered top-tier.
What to Watch Next
Growth sustainability: can Camden National Corporation maintain 39%+ revenue growth, or will competition slow it down?
Dividend sustainability with a current yield of 368.0%. Watch payout ratio and free cash flow coverage.
Debt management: total debt of 644M is significantly higher than cash (97M). Monitor refinancing risk.
Sector dynamics: monitor BANKS - REGIONAL industry trends, competitive moves, and regulatory changes that could impact Camden National Corporation.
Bottom Line
Camden National Corporation offers an attractive blend of growth (39% revenue expansion) and improving fundamentals. The company is transitioning from pure growth to profitable growth, a critical inflection point. Watch for sustained margin expansion as the key signal.
This synopsis is generated from publicly available financial data. It is not financial advice. Always conduct your own research and consult a qualified financial advisor before making investment decisions.
Insider Transactions
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About Camden National Corporation(CAC)
NASDAQ
FINANCIAL SERVICES
BANKS - REGIONAL
USA
Camden National Corporation is the banking holding company for Camden National Bank offering commercial and consumer banking products and services to consumer, institutional, municipal, non-profit and commercial clients. The company is headquartered in Camden, Maine.