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Camden National (CAC) earnings and revenue breakdown
Latest: Q3 2026 · 10-Q filed Nov 5, 2026 · Camden National (CAC) Q3 2026 earnings results →
Q3 2026 Revenue up 5% year over year to $68.7M · 33¢ of every $1 of revenue kept as net profit · operating margin 42.6%
Camden National made $68.7M in Q3 2026 (+5% Y/Y). Operating margin 42.6%, net earnings $22.8M. See where every dollar goes — costs, profit and cash — as a Sankey from the 10-Q filed Nov 5, 2026.
Drawing the Sankey…
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What changed this quarter
Revenue was $68.7M in Q3 2026, up 5% year over year and up 2% from the previous quarter.
Operating profit was $29.3M, a 42.6% margin (up 2.1 points year over year). Of the extra revenue versus Q3 2025, 85% reached operating profit, above the 41% margin then. Total costs grew 1% against revenue growth of 5%. Net earnings were $22.8M, up 8% year over year. The effective tax rate was 22.1%.
Operating cash flow was $34.5M (down 4% year over year), 151% of net earnings. Non-cash charges added back $781K of share-based compensation. Working capital and other items added $10.9M. Capital expenditures of $1.2M left free cash flow of $33.3M.
Quarterly history
| Quarter | Form | Filed | Revenue | Y/Y | Op. margin | Net earnings | Op. cash flow |
|---|---|---|---|---|---|---|---|
| Q3 2026 | 10-Q | Nov 5, 2026 | $68.7M | +5% | 42.6% | $22.8M | $34.5M |
| Q2 2026 | 10-Q | Aug 6, 2026 | $67.4M | +8% | 43.5% | $23.0M | $31.2M |
| Q1 2026 | 10-Q | May 7, 2026 | $64.3M | +7% | 43.6% | $21.9M | $20.0M |
| Q4 2025 | 10-K | Mar 6, 2026 | $68.1M | +43% | 41.5% | $22.6M | $20.8M |
| Q3 2025 | 10-Q | Nov 6, 2025 | $65.4M | +45% | 40.5% | $21.2M | $36.1M |
| Q2 2025 | 10-Q | Aug 7, 2025 | $62.3M | +45% | 28.5% | $14.1M | $6.0M |
| Q1 2025 | 10-Q | May 8, 2025 | $60.1M | +44% | 10.3% | $7.3M | $1.0M |
Charts
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💵Where each $1 goesinteractive
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🌏Named in Asian annual reportsinteractive
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🔄Rotation against the market and its industry (RRG)interactive
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⚖️Fair value by methodinteractive
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🔭Outlook & guidanceinteractive
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📈Investments: gains and what it boughtinteractive
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🏭Its industry’s money flow (input-output)interactive
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About Camden National
Overview . Camden National Corporation (hereafter referred to as “we,” “our,” “us,” or the “Company”) is a publicly-held bank holding company, with $7.0 billion in assets at December 31, 2025, incorporated under the laws of the State of Maine and headquartered in Camden, Maine. Camden National Bank (the “Bank”), a wholly-owned subsidiary of the Company, was founded in 1875. The Company was founded in 1984, went public in 1997, and is registered with NASDAQ Global Market (“NASDAQ”) under the ticker symbol “CAC.” Our consolidated financial statements accompanying this Form 10-K include the accounts of the Company, the Bank and the Bank’s subsidiaries and divisions. All inter-company accounts and transactions have been eliminated in consolidation.
In its own words, from its 10-K, filed Mar 6, 2026.
Camden National against its National Commercial Banks peers
The largest companies of the same SEC industry, each at its latest quarter. Revenue growth: +5% against the peers' median +6%. Operating margin: 42.6% against the peers' median 32.5%.
| Company | Quarter | Revenue | Y/Y | Op. margin |
|---|---|---|---|---|
| CAC Camden National | Q3 2026 | $68.7M | +5% | 42.6% |
| JPM JPMorgan Chase | Q3 2026 | $50.2B | +8% | 40.1% |
| BAC Bank of America | Q3 2026 | $30.0B | +3% | 29.9% |
| C Citigroup | Q3 2026 | $23.8B | +8% | 30.6% |
| WFC Wells Fargo | Q3 2026 | $21.9B | +2% | 32.5% |
| COF Capital One Financial | Q3 2026 | $16.3B | +6% | 28.0% |
| USB US Bancorp | Q3 2026 | $8.0B | +9% | 35.1% |
| PNC PNC Financial Services Group | Q3 2026 | $6.6B | +11% | 40.0% |
| TFC Truist Financial | Q3 2026 | $3.7B | -28% | 23.9% |
Source: Camden National 10-Q on SEC EDGAR · CIK 750686 · National Commercial Banks
Guidance and outlook
13F: who owns CAC and who is buying
More on CAC
History
Every quarter: Q3 2026 results · Q2 2026 results · Q1 2026 results · Q4 2025 results · Q3 2025 results · Q2 2025 results · Q1 2025 results