Filing Flows › Camden National (CAC) › Q2 2025
Camden National (CAC) Q2 2025 earnings results (second quarter 2025)
10-Q filed Aug 7, 2025
Camden National (CAC) reported revenue of $62.3M for the second quarter 2025 (Q2 2025), +45% from a year earlier and +4% from the quarter before. Operating margin was 28.5%, net earnings $14.1M (22.6% of revenue).
Camden National, Q2 2025: revenue $62.3M (+45% year over year), operating margin 28.5%, net earnings $14.1M, operating cash flow $6.0M. The chart follows the revenue to costs, profit and cash.
| Q2 2025 | Amount | Q/Q | Y/Y |
|---|---|---|---|
| Revenue | $62.3M | +4% | +45% |
| Operating profit | $17.8M | +188% | +19% |
| Net earnings | $14.1M | +92% | +17% |
| Operating cash flow | $6.0M | +483% | -58% |
| Free cash flow | $4.5M | — | -66% |
What changed
Revenue was $62.3M in Q2 2025, up 45% year over year and up 4% from the previous quarter.
Operating profit was $17.8M, a 28.5% margin (down 6.2 points year over year). Of the extra revenue versus a year earlier, 15% reached operating profit, below the 35% margin then. Total costs grew 59% against revenue growth of 45%. The fastest-growing cost line was Credit loss provision (+965%). Net earnings were $14.1M, up 17% year over year. The effective tax rate was 20.7%.
Operating cash flow was $6.0M (down 58% year over year), 43% of net earnings. Non-cash charges added back $1.1M of share-based compensation. Working capital and other items used $9.2M. Capital expenditures of $1.5M left free cash flow of $4.5M.
Questions
What was Camden National's revenue in the second quarter 2025?
Camden National (CAC) reported revenue of $62.3M for the second quarter 2025 (Q2 2025), +45% from a year earlier and +4% from the quarter before.
Was Camden National profitable in the second quarter 2025?
Operating profit was $17.8M (28.5% of revenue) and net earnings $14.1M.
Source: Camden National 10-Q on SEC EDGAR.