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Camden National cash flow, quarter by quarter

Latest: Q3 2026 · from the cash-flow statements filed with the SEC

Free cash flow$33.3M in Q3 2026 · $100M over twelve months

Operating cash flow$34.5M
Capital spending−$1.2M
Free cash flow+$33.3M
Cash / net income1.5×

Analysis

In Q3 2026, Camden National generated $34.5M of operating cash flow and spent $1.2M on capital projects, leaving free cash flow of $33.3M. That is $2.1M less than in Q3 2025 ($35.4M).

Over the twelve months to Sep 30, 2026, operating cash flow was $106M; the largest uses were other financing ($19.6M), capital spending ($6.0M), buybacks ($4.0M); besides operations, cash came from other investing ($73.2M); the cash balance rose by $150M.

Operating cash flow was $34.5M against net income of $22.8M — 1.5× profit, cash ran ahead of reported earnings. The largest differences: prepaid and other assets +$1.6M, stock-based pay +$781K, other liabilities −$733K.

Free cash flow

Camden National: free cash flow by quarterCamden National: free cash flow by quarter$41.2MQ4 2024−$727KQ1 2025$4.5MQ2 2025$35.4MQ3 2025$19.0MQ4 2025$18.2MQ1 2026$29.9MQ2 2026$33.3MQ3 2026
Operating cash flow less capital spending.
Camden National: operating cash flow against capital spendingCamden National: operating cash flow against capital spendingOperating cash flowCapital spending$43.2M$2.0MQ4 2024$1.0M$1.8MQ1 2025$6.0M$1.5MQ2 2025$36.1M$689KQ3 2025$20.8M$1.8MQ4 2025$20.0M$1.8MQ1 2026$31.2M$1.2MQ2 2026$34.5M$1.2MQ3 2026
Latest (Q3 2026): Operating cash flow $34.5M, Capital spending $1.2M.

Capital allocation, year by year

Camden National: where the cash came from (up) and went (down), by fiscal yearCamden National: where the cash came from (up) and went (down), by fiscal yearOperating cash flowNet borrowingShares issuedAsset salesCapital spendingBuybacksDividendsFY2021: Operating cash flow $143MFY2021: Net borrowing $49.0MFY2021: Shares issued $159KFY2021: Capital spending −$1.9MFY2021: Buybacks −$10.1MFY2021: Dividends −$21.1M$192MFY2021FY2022: Operating cash flow $105MFY2022: Net borrowing $53.4MFY2022: Shares issued $72KFY2022: Asset sales $466KFY2022: Capital spending −$2.2MFY2022: Buybacks −$10.2MFY2022: Dividends −$23.5M$159MFY2022FY2023: Operating cash flow $67.5MFY2023: Net borrowing $85.3MFY2023: Shares issued $588KFY2023: Capital spending −$2.6MFY2023: Buybacks −$2.0MFY2023: Dividends −$24.5M$153MFY2023FY2024: Operating cash flow $60.9MFY2024: Net borrowing $150MFY2024: Shares issued $289KFY2024: Capital spending −$5.6MFY2024: Buybacks −$1.6MFY2024: Dividends −$24.6M$211MFY2024FY2025: Operating cash flow $63.9MFY2025: Net borrowing $15.3MFY2025: Shares issued $459KFY2025: Asset sales $3.2MFY2025: Capital spending −$5.7MFY2025: Dividends −$28.5M$82.9MFY2025
Over these 5 years operating cash flow totalled $440M; the largest uses were dividends ($122M) and buybacks ($23.9M). Cash-flow statements as filed.

Cash runway and the debt wall

Cash & investments$249M
Debt$312M
Net debt$63.1M

Camden National funds itself: free cash flow was $100M over the last twelve months, and $249M of cash and investments stands against $312M of debt.

Where the cash came from and went

Camden National: sources (+) and uses (−) of cash, Q3 2026Camden National: sources (+) and uses (−) of cash, Q3 2026Other financing$294MNet borrowing (+) / repaid (−)−$197MCash drawn (+) / kept (−)−$149MOperating cash flow$34.5MOther investing$25.0MDividends−$7.1MCapital spending−$1.2M
Camden National: sources (+) and uses (−) of cash, TTM to Q3 2026Camden National: sources (+) and uses (−) of cash, TTM to Q3 2026Cash drawn (+) / kept (−)−$150MOperating cash flow$106MOther investing$73.2MOther financing−$19.6MCapital spending−$6.0MBuybacks−$4.0MNet borrowing (+) / repaid (−)−$340K

From profit to cash

Camden National: net income to operating cash flow, Q3 2026Camden National: net income to operating cash flow, Q3 2026Net income$22.8MStock-based pay$781KDeferred taxes−$188KPrepaid and other assets$1.6MOther liabilities−$733KOperating cash flow$34.5M
Non-cash charges are added back; money tied up in receivables or inventory is subtracted.

Every quarter

QuarterOperating cash flowCapital spendingBuybacksDividendsNet borrowing (+) / repaid (−)Cash drawn (+) / kept (−)Free cash flow
Q3 2026$34.5M−$1.2M—−$7.1M−$197M−$149M$33.3M
Q2 2026$31.2M−$1.2M−$2.5M−$7.1M−$5.1M$33.8M$29.9M
Q1 2026$20.0M−$1.8M−$1.5M−$7.1M−$68.6M−$36.2M$18.2M
Q4 2025$20.8M−$1.8M——−$46K$1.4M$19.0M
Q3 2025$36.1M−$689K—−$7.1M$149M$15.0M$35.4M
Q2 2025$6.0M−$1.5M—−$7.1M$31.9M$106M$4.5M
Q1 2025$1.0M−$1.8M—−$7.1M$1.1M−$4.5M−$727K
Q4 2024$43.2M−$2.0M$37K—−$45K−$75.5M$41.2M

Camden National: income statement and cash flow

Camden National, Q3 2026: revenue $68.7M (+5% year over year), operating margin 42.6%. The chart follows the revenue to costs, profit and cash.

Camden National: every quarter, Q/Q and Y/Y → Open in the app

Read automatically from the company’s XBRL cash-flow statements; quarterly figures for the fourth quarter are the year less the first three. Errors are possible. Not investment advice.