Filing Flows › Camden National (CAC) › Q4 2025
Camden National (CAC) Q4 2025 earnings results (fourth quarter 2025)
10-K filed Mar 6, 2026
Camden National (CAC) reported revenue of $68.1M for the fourth quarter 2025 (Q4 2025), +43% from a year earlier and +4% from the quarter before. Operating margin was 41.5%, net earnings $22.6M (33.1% of revenue).
Camden National, Q4 2025: revenue $68.1M (+43% year over year), operating margin 41.5%, net earnings $22.6M, operating cash flow $20.8M. The chart follows the revenue to costs, profit and cash.
| Q4 2025 | Amount | Q/Q | Y/Y |
|---|---|---|---|
| Revenue | $68.1M | +4% | +43% |
| Operating profit | $28.2M | +7% | +53% |
| Net earnings | $22.6M | +6% | +54% |
| Operating cash flow | $20.8M | -43% | -52% |
| Free cash flow | $19.0M | -46% | -54% |
What changed
Revenue was $68.1M in Q4 2025, up 43% year over year and up 4% from the previous quarter.
Operating profit was $28.2M, a 41.5% margin (up 2.8 points year over year). Of the extra revenue versus a year earlier, 48% reached operating profit, above the 39% margin then. Total costs grew 37% against revenue growth of 43%. The fastest-growing cost line was Other operating costs (+267%). Net earnings were $22.6M, up 54% year over year. The effective tax rate was 20.1%.
Operating cash flow was $20.8M (down 52% year over year), 92% of net earnings. Non-cash charges added back $666K of share-based compensation. Working capital and other items used $2.5M. Capital expenditures of $1.8M left free cash flow of $19.0M.
Questions
What was Camden National's revenue in the fourth quarter 2025?
Camden National (CAC) reported revenue of $68.1M for the fourth quarter 2025 (Q4 2025), +43% from a year earlier and +4% from the quarter before.
Was Camden National profitable in the fourth quarter 2025?
Operating profit was $28.2M (41.5% of revenue) and net earnings $22.6M.
Source: Camden National 10-K on SEC EDGAR.