Camden National Corp. Fundamental Analysis (NASDAQ: CAC)
Camden National Corp. Fundamental Analysis (NASDAQ: CAC)
Camden National Corp. (NASDAQ: CAC) shows strong financial fundamentals with a PE ratio of 10.78, profit margin of 25.61%, and ROE of 12.62%. The company generates $0.3B in annual revenue with strong year-over-year growth of 26.79%.
Key Strengths
Areas of Concern
The stock receives a Fundamental Health Score of 69.8/100 based on profitability, valuation, growth, and balance sheet metrics. The C+ grade reflects average fundamentals, with notable risks in certain areas.
Fundamental Health Score
We analyze CAC's fundamental strength across five key dimensions:
Efficiency Score
WeakCAC struggles to generate sufficient returns from assets.
Valuation Score
ExcellentCAC trades at attractive valuation levels.
Growth Score
ModerateCAC shows steady but slowing expansion.
Financial Health Score
ModerateCAC shows balanced financial health with some risks.
Profitability Score
ModerateCAC maintains healthy but balanced margins.
Key Financial Metrics
Is CAC Expensive or Cheap?
P/E Ratio
CAC trades at 10.78 times earnings. This suggests potential undervaluation.
PEG Ratio
When adjusting for growth, CAC's PEG of 0.17 indicates potential undervaluation.
Price to Book
The market values Camden National Corp. at 1.32 times its book value. This may indicate undervaluation.
EV/EBITDA
Enterprise value stands at 4.94 times EBITDA. This is generally considered low.
How Well Does CAC Make Money?
Net Profit Margin
For every $100 in sales, Camden National Corp. keeps $25.61 as profit after all expenses.
Operating Margin
Core operations generate 25.61 in profit for every $100 in revenue, before interest and taxes.
ROE
Management delivers $12.62 in profit for every $100 of shareholder equity.
ROA
Camden National Corp. generates $1.28 in profit for every $100 in assets, demonstrating efficient asset deployment.
Following the Money - Real Cash Generation
Operating Cash Flow
Camden National Corp. generates strong operating cash flow of $107.69M, reflecting robust business health.
Free Cash Flow
Camden National Corp. generates strong free cash flow of $102.22M, providing ample flexibility for dividends, buybacks, or growth.
FCF Per Share
Each share generates $6.04 in free cash annually.
FCF Yield
CAC converts 10.70% of its market value into free cash.
Financial Ratios Analysis
Valuation Ratios
P/E Ratio
Price to earnings ratio
10.78
vs 25 benchmark
PEG Ratio
Price/earnings to growth ratio
0.17
vs 25 benchmark
P/B Ratio
Price to book value ratio
1.32
vs 25 benchmark
P/S Ratio
Price to sales ratio
2.76
vs 25 benchmark
Financial Health
Debt/Equity
Total debt to shareholders' equity
0.79
vs 25 benchmark
Current Ratio
Current assets to current liabilities
0.20
vs 25 benchmark
Efficiency Ratios
ROE
Return on equity percentage
0.13
vs 25 benchmark
ROA
Return on assets percentage
0.01
vs 25 benchmark
ROCE
Return on capital employed
0.01
vs 25 benchmark
How CAC Stacks Against Its Sector Peers
| Metric | CAC Value | Sector Average | Performance |
|---|---|---|---|
| P/E Ratio | 10.78 | 21.08 | Better (Cheaper) |
| ROE | 12.62% | 658.00% | Weak |
| Net Margin | 25.61% | -1621.00% (disorted) | Strong |
| Debt/Equity | 0.79 | 0.92 | Neutral |
| Current Ratio | 0.20 | 927.71 | Weak Liquidity |
| ROA | 1.28% | -588.00% (disorted) | Weak |
CAC outperforms its industry in 2 out of 6 key metrics, particularly excelling in Net Margin, but lagging in ROE.
Historical Growth Performance
5-Year Growth Trajectory
This section reviews Camden National Corp.'s 5-year compound annual growth rate (CAGR) and compares its performance against the typical investment style of its industry.
Revenue CAGR
60.33%
Industry Style: Value, Dividend, Cyclical
High GrowthEPS CAGR
-2.50%
Industry Style: Value, Dividend, Cyclical
DecliningFCF CAGR
212.06%
Industry Style: Value, Dividend, Cyclical
High Growth