NASDAQ$CAC

Camden National Corporation · Q1 2024 earnings

Q1 2024 earnings · · Investor relations

Briefing

Camden National reported first quarter earnings with strong asset quality, capital, and liquidity.

Camden National Corporation reported a net income of $13.3 million and diluted EPS of $0.91 for the first quarter of 2024. The company released $2.1 million in the provision for credit losses, including a $910,000 recovery on the sale of a Signature Bank corporate bond. Adjusted net income was $12.6 million, and adjusted diluted EPS was $0.86, a 1% increase over the previous quarter.

  • Net income available to common shareholders was $13.3 million, with diluted EPS at $0.91.
  • Company released $2.1 million in the provision for credit losses.
  • Adjusted net income (non-GAAP) was $12.6 million, and adjusted diluted EPS (non-GAAP) was $0.86, up 1% from Q4 2023.
  • Loans totaled $4.1 billion, an increase of 1% since December 31, 2023.

Headline financials

Total Revenue

$41.6M

Previous: $44.1M-5.8%
EPS

$0.91

Previous: $0.87+4.6%
Return on average assets

0.9%

No prior period
Return on average equity

10.8%

No prior period
GAAP efficiency ratio

65.8%

No prior period
Common equity ratio

8.7%

Previous: 8.1%+6.5%
Net interest margin (fully-taxable equivalent)

2.3%

Previous: 2.5%-9.4%
Non-performing assets to total assets

0.1%

Previous: 0.1%+11.1%
Tier 1 leverage capital ratio

9.6%

Previous: 9.2%+3.8%
Total risk-based capital ratio

14.5%

Previous: 13.9%+4.1%
Adjusted return on average assets

0.9%

No prior period
Adjusted return on average equity

10.2%

No prior period
Efficiency ratio (non-GAAP)

65.2%

No prior period
Core net interest margin (fully-taxable equivalent)

2.3%

No prior period
ACL on loans to total loans

0.9%

No prior period
Non-performing loans to total loans

0.1%

No prior period
Loans 30-89 days past due to total loans

0.1%

No prior period
Net charge-offs to average loans (annualized) Quarter-to-date

0.0%

No prior period
Tangible common equity ratio

7.1%

No prior period
Capital Expenditures

-$545K

Previous: -$495K-10.1%
Free Cash Flow

$12.7M

Previous: $12.2M+4.0%
Net Income

$13.3M

Previous: $12.7M+4.3%
Operating Income

$13.7M

Previous: $23.7M-42.3%
Gross Profit

$39.5M

Previous: $42.1M-6.3%
Cash & Equivalents

$177M

Previous: $75.7M+133.3%
Total Assets

$5.79B

Previous: $5.72B+1.4%
Stock-Based Comp

$782K

Previous: $459K+70.4%

Revenue & EPS history

Camden National · Revenue · Quarterly

$41.6M

Q1 2024-5.8%vs Q1 2023
Beat estimate in 10 of 15 quarters(67%)
ActualEstimate

Revenue by segment

Camden National · $5.71M total across 5 segments · Q2 2020

  • Debit card income
    $2.39M
  • Service charges on deposit accounts
    $1.34M-39.5%
  • Other income
    $745K
  • Brokerage and insurance commissions
    $622K
  • Bank-owned life insurance
    $614K

Historical earnings impact

How earnings announcements have historically affected this stock's price.

Avg. return before/after earnings

Based on 20 quarterly earnings reports · overlaid with Q1 2024

Historical avgQ1 2024

-0.2%

Avg return

Earnings day

+0.4%

Avg return

5 days after

+1.7%

Avg return

30 days after

45%

29 / 65 earnings

Positive

+15.5%

Q1 2020

Best reaction

-6.6%

Q4 2009

Worst reaction

Earnings price reactions
QuarterReport dateReaction (Day 0)+5 days+30 days
Q1 2026+1.5%-3.1%-1.4%
Q4 2025+0.5%+0.8%+2.2%
Q3 2025+1.6%+2.7%+9.2%
Q1 2025-0.4%+0.8%-2.5%
Q4 2024+2.2%+2.1%-1.9%
Q3 2024+2.3%+1.5%+14.7%
Q2 2024+4.1%-6.1%+0.0%
Q1 2024+5.4%+6.2%+7.4%
Q4 2023-4.2%-8.0%-15.5%
Q3 2023+1.3%+13.3%+18.4%
Q2 2023+2.3%+2.4%-4.0%
Q1 2023-5.6%-4.0%-7.7%
Q4 2022-3.9%+0.6%-0.8%
Q3 2022-4.1%-1.0%-1.6%
Q2 2022-0.2%-0.6%+2.3%
Q1 2022-2.7%-3.9%-6.6%
Q4 2021+0.8%-1.1%-6.8%
Q3 2021-4.0%-2.5%-0.3%
Q2 2021-1.8%-0.5%+2.0%
Q1 2021+0.1%+1.4%+0.6%
Q4 2020-0.5%+0.6%+10.7%
Q3 2020-5.7%-3.0%+11.7%
Q2 2020-1.1%-3.7%+1.3%
Q1 2020+15.5%+6.7%+13.8%
Q4 2019+2.3%+2.6%-6.8%
Q3 2019+2.4%+1.2%-1.6%
Q2 2019+0.1%-3.3%-6.9%
Q1 2019+1.8%+5.7%-3.9%
Q4 2018+2.1%+4.1%+14.4%
Q3 2018-1.1%+0.3%+0.8%
Q2 2018-0.4%-1.2%+2.1%
Q1 2018+0.3%+2.0%+1.5%
Q4 2017+0.4%+1.4%+0.2%
Q3 2017-2.5%+0.2%+6.1%
Q2 2017-0.5%-0.8%-6.1%
Q1 2017-0.1%-3.0%-7.8%
Q4 2016-1.4%-0.5%+1.5%
Q3 2016+7.0%+6.9%+25.8%
Q2 2016-1.9%-2.2%+2.6%
Q1 2016+0.6%
Q4 2015-5.8%
Q3 2015-0.7%
Q2 2015-0.0%
Q1 2015+5.6%
Q4 2014-4.3%
Q3 2014+7.5%
Q2 2014+0.3%
Q1 2014-3.1%
Q4 2011+1.0%
Q4 2013-5.6%
Q3 2013-0.6%
Q2 2013-2.6%
Q1 2013-0.9%
Q4 2012-3.3%
Q3 2012+1.7%
Q2 2012-2.2%
Q1 2011-2.1%
Q1 2012-0.3%
Q4 2009-6.6%
Q3 2010-2.4%
Q3 2011-2.4%
Q2 2011+0.9%
Q4 2010+0.9%
Q2 2010+0.9%
Q1 2010-0.4%

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