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Upturn AI SWOT - About
CAC 
Camden National Corporation (CAC)
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Upturn Advisory Summary
04/01/2025: CAC (1-star) is currently NOT-A-BUY. Pass it for now.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
AI Based Fundamental Rating
Below Average Performance
These Stocks/ETFs, based on Upturn Advisory, often underperform the market, warranting careful consideration before investing.
Analysis of Past Performance
Type Stock | Historic Profit 7.51% | Avg. Invested days 44 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  2.0 | Stock Returns Performance  2.0 |
| Profits based on simulation | Last Close 04/01/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 684.71M USD | Price to earnings Ratio 11.18 | 1Y Target Price 50.75 |
Price to earnings Ratio 11.18 | 1Y Target Price 50.75 | ||
Volume (30-day avg) 91963 | Beta 0.72 | 52 Weeks Range 27.72 - 49.59 | Updated Date 03/31/2025 |
52 Weeks Range 27.72 - 49.59 | Updated Date 03/31/2025 | ||
Dividends yield (FY) 4.15% | Basic EPS (TTM) 3.62 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 29.88% | Operating Margin (TTM) 42.4% |
Management Effectiveness
Return on Assets (TTM) 0.92% | Return on Equity (TTM) 10.33% |
Valuation
Trailing PE 11.18 | Forward PE 10.25 | Enterprise Value 1010653888 | Price to Sales(TTM) 3.86 |
Enterprise Value 1010653888 | Price to Sales(TTM) 3.86 | ||
Enterprise Value to Revenue 6.11 | Enterprise Value to EBITDA - | Shares Outstanding 16864800 | Shares Floating 16355155 |
Shares Outstanding 16864800 | Shares Floating 16355155 | ||
Percent Insiders 2.82 | Percent Institutions 68.8 |
Analyst Ratings
Rating 3.25 | Target Price 48.75 | Buy 1 | Strong Buy - |
Buy 1 | Strong Buy - | ||
Hold 3 | Sell - | Strong Sell - | |
Strong Sell - |
Upturn AI SWOT
Camden National Corporation
Company Overview
History and Background
Camden National Corporation was founded in 1875 as Camden Savings Bank. It has evolved from a local savings bank to a publicly traded financial services company serving businesses and individuals throughout Maine. The company has grown organically and through strategic acquisitions.
Core Business Areas
- Commercial Banking: Provides lending, deposit, and treasury management services to businesses of all sizes.
- Retail Banking: Offers a range of deposit accounts, loans, and other financial services to individuals and families.
- Wealth Management: Provides investment management, financial planning, and trust services to individuals and institutions.
Leadership and Structure
The leadership team includes the CEO, CFO, and other key executives who oversee the company's operations. The organizational structure is based on functional areas, with each area responsible for a specific aspect of the business. The current CEO is Gregory A. Dufour.
Top Products and Market Share
Key Offerings
- Commercial Loans: Offers a variety of commercial loans, including term loans, lines of credit, and real estate loans. Camden National Corporation has a notable market share in Maine, competing with larger national banks and regional players. Competitors include Bangor Savings Bank, KeyBank, and TD Bank.
- Number of Commercial Loans: The actual number of commerical loans and the market share are based on proprietary information. The loan portfolio's details can be found in annual reports.
- Number of Residential Mortgages: The actual number of residential mortgages and the market share are based on proprietary information. The loan portfolio's details can be found in annual reports.
- Residential Mortgages: Provides mortgage loans to individuals for the purchase or refinance of residential properties. Competes with national lenders and local credit unions. Competitors include Bank of America, Chase, and local credit unions.
- Assets Under Management: AUM details can be found in annual reports.
- Wealth Management Services: Offers investment management, financial planning, and trust services to high-net-worth individuals and institutions. Competes with national brokerage firms and independent advisors. Competitors include Morgan Stanley, Merrill Lynch, and local financial advisory firms.
Market Dynamics
Industry Overview
The banking industry is highly competitive and subject to regulatory changes. Interest rates, economic conditions, and technological advancements all impact the industry's performance. Regional banks face challenges from larger national players and fintech companies.
Positioning
Camden National Corporation is a regional bank focused on serving the Maine market. Its competitive advantages include its local market knowledge, strong customer relationships, and community involvement.
Total Addressable Market (TAM)
The total addressable market includes all banking and wealth management services in Maine. Camden National Corporation is positioned to capture a significant share of this market through its local presence and customer-focused approach.The TAM can be estimated at $10 billion with Camden National Corporation occupying about 1% of the TAM
Upturn SWOT Analysis
Strengths
- Strong local market presence
- Solid customer relationships
- Experienced management team
- Healthy capital levels
Weaknesses
- Limited geographic diversification
- Dependence on the Maine economy
- Smaller scale compared to national competitors
- High operating expense ratio compared to peers
Opportunities
- Expansion into new markets within Maine
- Growth in wealth management services
- Adoption of new technologies to improve efficiency
- Strategic acquisitions of smaller banks or wealth management firms
Threats
- Increased competition from larger banks and fintech companies
- Economic downturn in Maine
- Rising interest rates
- Increased regulatory scrutiny
Competitors and Market Share
Key Competitors
- BXS
- CMA
- FULT
- PBCT
Competitive Landscape
Camden National Corporation faces competition from larger national banks and smaller regional players. Its advantages include its local market knowledge and strong customer relationships. Disadvantages include limited geographic diversification and smaller scale.
Major Acquisitions
Acadia Trust, N.A.
- Year: 2015
- Acquisition Price (USD millions):
- Strategic Rationale: Expanded wealth management capabilities and market reach.
Growth Trajectory and Initiatives
Historical Growth: Camden National Corporation's growth has been steady over the past few years, driven by organic growth and acquisitions.
Future Projections: Future growth projections are based on analyst estimates, which can be found on financial websites or through investment research reports.
Recent Initiatives: Recent initiatives include investments in technology, expansion of wealth management services, and community development projects.
Summary
Camden National Corporation is a stable regional bank with a strong presence in Maine. Its local focus and customer relationships are key strengths. The company faces challenges from larger competitors and economic conditions. Its wealth management services offer a growth opportunity.
Similar Companies
- BXS
- CMA
- FULT
- PBCT
Sources and Disclaimers
Data Sources:
- Company Website
- SEC Filings
- Yahoo Finance
- Investor Relations Reports
Disclaimers:
The information provided is for informational purposes only and should not be considered investment advice. Market share data is estimated. Consult with a financial advisor before making any investment decisions.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About Camden National Corporation
Exchange NASDAQ | Headquaters Camden, ME, United States | ||
IPO Launch date 1997-10-07 | CEO, President & Director Mr. Simon R. Griffiths | ||
Sector Financial Services | Industry Banks - Regional | Full time employees 586 | Website https://www.camdennational.com |
Full time employees 586 | Website https://www.camdennational.com | ||
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 in the United States. The company accepts checking, savings, time, and brokered deposits, as well as deposits with the certificate of deposit account registry system. Its loan products include non-owner-occupied commercial real estate loans; owner-occupied commercial real estate loans; commercial loans; residential real estate loans, including one- to four-family residences; 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 and advisory, financial planning, and trustee services. Camden National Corporation was founded in 1875 and is headquartered in Camden, Maine.
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