Camden National Corporation (CAC) 株式分析

企業概要

Camden National Corporation operates as a bank holding company that provides a comprehensive suite of commercial and consumer banking products and services to consumer, institutional, municipal, non-profit, and commercial customers throughout the United States. This entity functions within the Financial Services sector, specifically categorized under the Banks - Regional industry, which implies a focus on localized lending and deposit gathering rather than nationwide diversification. The company's current market capitalization stands at $870.37M, supported by an annual revenue of $233.49M and a workforce comprising 683 employees. These valuation and revenue figures indicate that Camden National Corporation maintains a mid-cap regional footprint, distinguishing it from large national financial institutions by its concentrated operational scope and moderate asset size.

財務健全性

The company reported a trailing twelve-month revenue of $233.49M and generated net income of $65.16M during the same period, while EBITDA data is not disclosed in the available records. The substantial difference between the total revenue of $233.49M and the net income of $65.16M reveals a cost structure where operating expenses, including interest expense on assets and overhead, consume approximately 72.1% of gross inflows before reaching the bottom line. Free cash flow figures are not available for this entity, which limits the immediate assessment of operational cash generation flexibility relative to capital expenditure needs. Profitability is reflected in a gross margin of 0.0%, which is characteristic of banking business models where interest income and interest expense are netted at the top line, leaving the operating margin of 47.5% and profit margin of 27.9% as the primary indicators of efficiency. The balance sheet shows cash reserves of $120.94M against total debt of $677.38M, highlighting a reliance on external funding, although the specific debt-to-equity ratio is not explicitly listed. Short-term liquidity cannot be fully quantified as the current ratio is not provided in the dataset. Management effectiveness is evidenced by a return on equity of 10.6% and a return on assets of 1.0%, suggesting that the company generates a modest return relative to the total asset base while delivering a more substantial return to shareholders.

バリュエーション評価

The stock carries a trailing P/E ratio of 13.35 and a forward P/E of 8.72, implying that the market expects earnings growth that would compress the valuation multiple over the coming year. The price-to-book ratio is recorded at 1.25, indicating that the market values the company at a slight premium of 25% above its tangible book value. Alternative valuation metrics include a price-to-sales ratio of 3.73, while the EV/EBITDA multiple is not available due to the absence of EBITDA data. The 52-week price range spans from a low of $34.53 to a high of $51.57, providing a volatility band within which the stock has traded over the past year. The beta coefficient is 0.58, which signifies that the stock price exhibits lower volatility relative to the broader market index, behaving more defensively during periods of market fluctuation.

Growth & Income

Revenue growth year-over-year is reported at 39.2%, while earnings growth stands at 33.8%, indicating that profitability is expanding at a pace slightly slower than the top-line revenue expansion. The company pays a dividend with a yield of 3.3% and maintains a payout ratio of 43.8%, suggesting that the dividend distribution is conservative relative to earnings and likely sustainable given the current profit margin. Since the payout ratio is well below 100%, the company retains a significant portion of its earnings to fund organic growth and maintain capital adequacy rather than distributing all profits. Overall, Camden National Corporation presents a profile of strong double-digit revenue growth supported by a stable dividend yield and a low beta, offering a balance of income generation and moderate capital appreciation potential within the regional banking sector.