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Camden National CAC Q3 2025 earnings

Reported October 28, 2025 · Before market open

Revenue$63.0MMiss by $2.1M
EPS$1.24Beat by $0.01
Revenue estimate$65.1M
EPS estimate$1.23

Next report

Oct 27, 2026 (in 3 months)
Revenue estimate$68.8M
EPS estimate$1.36

Financials

Q3 2025

Income statement

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Revenue$65.4M+45.3%
Net income$21.2M+62.1%
EPS (diluted)$1.25+38.9%

Balance sheet

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Cash & equivalents$98.8M-29.1%
Total debt$749.3M+45.1%
Total equity$676.4M+27.7%
Total assets$7.0B+21.5%

Cash flow

See full
Operating cash flow$36.1M
CapEx$689.0K-59.7%
Free cash flow$35.4M

Valuation & ratios

Valuation

as of 09/30/25
See full
Market cap$652.95M+8.4%
Enterprise value$1.3B+33.1%
P/E11.4×-1.5×
P/S2.8×-0.8×

Profitability

See full
Net margin24.3%-3.5pp
FCF margin34.2%

Returns & leverage

See full
Return on equity9.5%+0.1pp
Debt / equity1.1×+0.1×

Segments

By product

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Products And Services, Debt Card Income$3.7M+16.9%
Products And Services, Deposit Accounts Service Charges$2.6M+18.5%
Products And Services, Fiduciary Services Income$1.9M+3.7%
Products And Services, Brokerage and Insurance Commissions$1.9M+30.8%
Products And Services, Other Income$546.0K+7.5%

Versus estimates

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Questions, answered.

When did Camden National report Q3 2025 earnings?
Camden National (CAC) reported Q3 2025 earnings on October 28, 2025 before market open.
What were Camden National's Q3 2025 revenue and EPS?
Camden National reported revenue of $63.0M and eps of $1.24 for Q3 2025.
Did Camden National beat estimates in Q3 2025?
Revenue missed the consensus estimate of $65.1M by $2.1M. EPS beat the consensus estimate of $1.23 by $0.01.
How did Camden National's Q3 2025 results compare year-over-year?
Compared to the same quarter a year prior, revenue grew 44.4% from $43.6M a year earlier and eps grew 31.9% from $0.94.
Where can I find Camden National's Q3 2025 SEC filings?
You can read the 10-Q periodic report (0000750686-25-000306) directly on SEC EDGAR. The filing index links above go to sec.gov.