NASDAQ$CAC

Camden National Corporation · Q2 2024 earnings

Q2 2024 earnings · · Investor relations

Briefing

Reported second quarter earnings of $12.0 million and diluted EPS of $0.81.

Camden National Corporation reported earnings of $12.0 million and diluted EPS of $0.81 for the quarter ended June 30, 2024. The company's net interest margin expanded, and asset quality remained strong. Pre-tax, pre-provision income increased to $15.5 million.

  • Return on average assets was 0.84%, and return on average equity was 9.60%.
  • Net interest margin increased to 2.36%.
  • Asset quality remained strong, with non-performing loans at 0.23% of total loans.
  • Capital position remained strong, with a common equity ratio of 8.88%.

Headline financials

Total Revenue

$42.8M

Previous: $42.8M+0.1%
EPS

$0.81

Previous: $0.85-4.7%
Return on average assets

0.8%

No prior period
Return on average equity

9.6%

No prior period
GAAP efficiency ratio

63.8%

No prior period
Common equity ratio

8.9%

Previous: 8.1%+9.2%
Net interest margin (fully-taxable equivalent)

2.4%

Previous: 2.4%-1.7%
Net charge-offs to average loans (annualized) Quarter-to-date

0.0%

No prior period
Tangible common equity ratio

7.3%

Previous: 6.6%+11.7%
Capital Expenditures

-$1.83M

Previous: -$1.03M-77.3%
Free Cash Flow

$10.2M

Previous: $11.4M-10.5%
Net Income

$12M

Previous: $12.4M-3.2%
Operating Income

$15.2M

Previous: $20.5M-26.1%
Gross Profit

$42.2M

Previous: $42.7M-1.2%
Cash & Equivalents

$106M

Previous: $94.3M+12.0%
Total Assets

$5.72B

Previous: $5.74B-0.3%
Stock-Based Comp

$920K

Previous: $948K-3.0%

Revenue & EPS history

Camden National · Revenue · Quarterly

$42.8M

Q2 2024+0.1%vs Q2 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

Forward guidance

Camden National Corporation will host a conference call and webcast at 3:00 p.m., Eastern Time, on Tuesday, July 30, 2024 to discuss its second quarter 2024 financial results and outlook.

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 Q2 2024

Historical avgQ2 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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