NASDAQ$CAC

Camden National Corporation · Q1 2025 earnings

Q1 2025 earnings · · Before market open · Investor relations

Briefing

Camden National reported Q1 2025, revenue of $60.1M, net income of $7.3M, diluted EPS of $0.43.

For Q1 2025, Camden National reported revenue of $60.1M, net income of $7.3M, diluted EPS was $0.43. The filing highlights segment performance, liquidity, and management commentary on the period.

  • Revenue $60.1M.
  • Net income $7.3M.
  • Diluted EPS $0.43.

Headline financials

Total Revenue

$60.1M

Previous: $41.6M+44.4%
EPS (adj)

$0.43

Previous: $0.91-52.7%
Return on average assets

0.4%

Previous: 0.9%-53.8%
Return on average equity

4.8%

Previous: 10.8%-55.9%
GAAP efficiency ratio

74.0%

Previous: 65.8%+12.5%
Common equity ratio

9.2%

Previous: 8.7%+6.1%
Net interest margin (fully-taxable equivalent)

3.0%

Previous: 2.3%+32.2%
Non-performing assets to total assets

0.1%

Previous: 0.1%+10.0%
Tier 1 leverage capital ratio

8.6%

Previous: 9.6%-10.5%
Total risk-based capital ratio

13.1%

Previous: 14.5%-9.6%
Adjusted return on average assets

0.9%

Previous: 0.9%+6.8%
Adjusted return on average equity

10.4%

Previous: 10.2%+2.1%
Efficiency ratio (non-GAAP)

58.7%

Previous: 65.2%-10.0%
Core net interest margin (fully-taxable equivalent)

2.7%

Previous: 2.3%+16.5%
ACL on loans to total loans

1.0%

Previous: 0.9%+11.6%
Non-performing loans to total loans

0.1%

Previous: 0.1%+7.1%
Loans 30-89 days past due to total loans

0.1%

Previous: 0.1%+40.0%
Net charge-offs to average loans (annualized) Quarter-to-date

0.1%

Previous: 0.0%+300.0%
Tangible common equity ratio

6.5%

Previous: 7.1%-8.8%
Capital Expenditures

-$1.76M

Previous: -$545K-223.1%
Net Income

$7.33M

Previous: $13.3M-44.8%
Operating Income

$6.17M

Previous: $13.7M-54.8%

Revenue & EPS history

Camden National · Revenue · Quarterly

$60.1M

Q1 2025+44.4%vs Q1 2024
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

Forward guidance

Management discusses operating priorities, capital allocation, and sector risks in the quarterly filing.

Tailwinds

  • Headline results and segment trends anchor the quarter.
  • Liquidity and balance-sheet capacity support operations.
  • Strategic initiatives outlined in MD&A.

Headwinds

  • Macro, rates, or input costs may pressure margins.
  • One-time items affect year-over-year comparability.
  • Execution risk on growth or restructuring plans.

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 2025

Historical avgQ1 2025

-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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