Filing Flows › Camden National (CAC) › Q3 2025
Camden National (CAC) Q3 2025 earnings results (third quarter 2025)
10-Q filed Nov 6, 2025
Camden National (CAC) reported revenue of $65.4M for the third quarter 2025 (Q3 2025), +45% from a year earlier and +5% from the quarter before. Operating margin was 40.5%, net earnings $21.2M (32.4% of revenue).
Camden National, Q3 2025: revenue $65.4M (+45% year over year), operating margin 40.5%, net earnings $21.2M, operating cash flow $36.1M. The chart follows the revenue to costs, profit and cash.
| Q3 2025 | Amount | Q/Q | Y/Y |
|---|---|---|---|
| Revenue | $65.4M | +5% | +45% |
| Operating profit | $26.5M | +49% | +67% |
| Net earnings | $21.2M | +51% | +62% |
| Operating cash flow | $36.1M | +498% | — |
| Free cash flow | $35.4M | +679% | — |
What changed
Revenue was $65.4M in Q3 2025, up 45% year over year and up 5% from the previous quarter.
Operating profit was $26.5M, a 40.5% margin (up 5.3 points year over year). Of the extra revenue versus a year earlier, 52% reached operating profit, above the 35% margin then. Total costs grew 33% against revenue growth of 45%. The fastest-growing cost line was Credit loss provision (+1144%). Net earnings were $21.2M, up 62% year over year. The effective tax rate was 20.0%.
Operating cash flow was $36.1M, 170% of net earnings. Non-cash charges added back $790K of share-based compensation. Working capital and other items added $14.1M. Capital expenditures of $689K left free cash flow of $35.4M.
Questions
What was Camden National's revenue in the third quarter 2025?
Camden National (CAC) reported revenue of $65.4M for the third quarter 2025 (Q3 2025), +45% from a year earlier and +5% from the quarter before.
Was Camden National profitable in the third quarter 2025?
Operating profit was $26.5M (40.5% of revenue) and net earnings $21.2M.
Source: Camden National 10-Q on SEC EDGAR.