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Camden National (CAC) guidance and outlook

Camden National's 10-Q filed Nov 5, 2026 makes 9 forward-looking statements.

Guidance and outlook

Forward-looking statements, 10-Q filed Nov 5, 2026

• (3) Consulting and professional fees: The decrease for the nine months ended September 30, 2026, compared to the same period in 2025, was driven by the discontinuance of certain legacy Northway consulting arrangements following the acquisition of Northway on January 2, 2025, and the completion of integration activities in mid-March 2025, as the Company realized expected merger synergies.
• The increase in the Company’s estimated effective tax rate is primarily attributable to the deferred tax asset remeasurement benefit recognized in connection with the Northway acquisition during the first quarter of 2025, as well as lower forecasted tax-exempt income from municipal securities, lower income tax credits and lower BOLI income as a percentage of pre-tax income.
• These investments are held within a rabbi trust and will be used for future payments associated with the Company’s Executive and Director Deferred Compensation Plan.
• The significant key assumptions used with the ACL on loans calculation as of September 30, 2026 and December 31, 2025, included: (i) Company-specific key loss drivers ( i.e. , macroeconomic factors), (ii) our forecast period and reversion speed, (iii) prepayment speeds, and (iv) various qualitative factors.
• The ACL on loans as of September 30, 2026 and December 31, 2025, incorporated a similar weighting for the probability of a recession over the next 12 to 24 months based on our forecasted macroeconomic outlook as of each date.
• We may adjust our assumptions to account for differences between expected and actual losses from period to period.
• The ACL on loans is reviewed periodically within a calendar quarter to assess trends in CECL (“Current Expected Credit Losses”) key assumptions and asset quality, and their effects on the Company's financial condition.
• All dividends declared and distributed by the Company will be in compliance with applicable state corporate law and regulatory requirements.
• If we are required to use dividends from the Bank to service unforeseen commitments in the future, we may be required to reduce the dividends paid to our shareholders going forward.

Camden National's latest quarter

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What does Camden National expect?

(3) Consulting and professional fees: The decrease for the nine months ended September 30, 2026, compared to the same period in 2025, was driven by the discontinuance of certain legacy Northway consulting arrangements following the acquisition of Northway on January 2, 2025, and the completion of integration activities in mid-March 2025, as the Company realized expected merger synergies. The increase in the Company’s estimated effective tax rate is primarily attributable to the deferred tax asset remeasurement benefit recognized in connection with the Northway acquisition during the first quar

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Updated Nov 8, 2026. Read automatically from SEC filings and public data; errors are possible. Not investment advice.