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Camden National CAC Q4 2025 Annual earnings

Reported January 27, 2026 · Before market open

Revenue$68.1MBeat by $1.9M
EPS$1.33Beat by $0.01
Revenue estimate$66.2M
EPS estimate$1.32

Next report

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

Financials

Q4 2025

Income statement

See full
Revenue$68.1M+43.0%
Net income$22.6M+53.8%
EPS (diluted)$1.33+33.0%

Balance sheet

See full
Cash & equivalents$97.5M-54.6%
Total debt$602.8M+16.8%
Total equity$696.6M+31.1%
Total assets$7.0B+20.1%

Cash flow

See full
Operating cash flow$20.8M-52.0%
CapEx$1.8M-12.8%
Free cash flow$19.0M-53.9%

Valuation & ratios

Valuation

as of 12/31/25
See full
Market cap$734.09M+17.8%
Enterprise value$1.24B+34.1%
P/E11.3×-0.5×
P/S2.9×-0.7×

Profitability

See full
Net margin25.5%-4.5pp
FCF margin22.8%—

Returns & leverage

See full
Return on equity10.6%+0.3pp
Debt / equity0.9×-0.1×

Segments

By product

See full
Products And Services, Debt Card Income$4.7M+32.0%
Products And Services, Deposit Accounts Service Charges$2.6M+19.8%
Products And Services, Fiduciary Services Income$1.9M+5.1%
Products And Services, Brokerage and Insurance Commissions$1.7M+16.2%
Products And Services, Other Income$460.0K+11.9%

Versus estimates

Revenue

Q2 2026$66.7MBeat by $292.0KQ1 2026$64.3MMiss by $1.2M
Q4 2025$68.1MBeat by $1.9M
Q3 2025$63.0MMiss by $2.1MQ2 2025$55.4MMiss by $8.0MQ1 2025$58.4MMiss by $394.5K

Diluted EPS

Q2 2026$1.35Beat by $0.06Q1 2026$1.29Beat by $0.03
Q4 2025$1.33Beat by $0.01
Q3 2025$1.24Beat by $0.01Q2 2025$0.89Miss by $0.23Q1 2025$0.95Miss by $0.04

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Questions, answered.

When did Camden National report Q4 2025 earnings?
Camden National (CAC) reported Q4 2025 earnings on January 27, 2026 before market open.
What were Camden National's Q4 2025 revenue and EPS?
Camden National reported revenue of $68.1M and eps of $1.33 for Q4 2025.
Did Camden National beat estimates in Q4 2025?
Revenue beat the consensus estimate of $66.2M by $1.9M. EPS beat the consensus estimate of $1.32 by $0.01.
How did Camden National's Q4 2025 results compare year-over-year?
Compared to the same quarter a year prior, revenue grew 47.2% from $46.2M a year earlier and eps grew 29.1% from $1.03.
Where can I find Camden National's Q4 2025 SEC filings?
You can read the 8-K earnings release (0000750686-26-000006) and the 10-K periodic report (0000750686-26-000010) directly on SEC EDGAR. The filing index links above go to sec.gov.