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Camden National Corporation (CAC) 12-Month Stock Forecast & Price Target Cone

$57.34 -2.05% NASDAQ • Live Quote vs Prior Daily Close (Synced Snapshot) EXT / AFTER-HRS: $57.02

Camden National Corporation (CAC) carries a Roarable Rating of C+ (Hold) with 66/100 RQD Confidence. The composite score sits in the neutral Hold band (59–69), meaning current holders don’t need to panic-sell while prospective buyers can wait for a move into the 70+ Buy zone.

ROARABLE C+ • HOLD / WATCH Cap $968.9M
📤 Share Live RQD Speedometer Card: 𝕏 Post Reddit StockTwits ⬇ Live SVG Card
⚡ INSTANT AI QUANT PREVIEW • $0 FREE TIER Click Any Pre-Computed AI Quant Specialist Briefing on CAC Below — or Connect Your Own ChatGPT / Claude
🤖 Mara Quenwick • AI Quant Lead (Click for Instant Brief) Is CAC stock a Buy, Hold, or Sell right now according to Roarable's RQD model?
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As of 2026-11-03, Camden National Corporation (NASDAQ: CAC) is rated C+ (Hold / HOLD) by Roarable's 5-pillar RQD engine with a composite confidence score of 66/100 at a spot price of $57.34 (-2.05% 1D, market cap $968.9M). Pillar breakdown: Fundamental Cash Engine 11/20, Institutional 13F & Options Flow 12/20, SEC Balance-Sheet Forensics 13/20, FRED Macro Regime Fit 14/20, and Executive Insider Alignment 16/20. Across 1097 tracked Financials issuers, CAC ranks #215 in composite RQD confidence.

✓ Pre-computed one-to-many AI Quant brief
🤖 Ellis Vennor • AI Peer & Flow Quant (Click for Instant Brief) How does CAC compare to CPF and HAFC in the Financials sector?
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Within the Financials sector (Major Banks), CAC carries a Roarable C+ (66/100 RQD), trailing P/E of 15.2x, gross margin of —, and ROIC of 9.4%. By comparison, CPF (Central Pacific Financial Corp) holds a B grade (73/100 RQD, P/E 12.7x, ROIC 13.1%, cap $966.4M) and HAFC (Hanmi Financial Corporation) posts a B grade (75/100 RQD, P/E 12.9x, ROIC 7.5%, cap $965.1M). Among the 5-stock peer group, CPF leads on earnings multiple (12.7x) while CPF leads on capital efficiency (13.1% ROIC).

✓ Pre-computed one-to-many AI Quant brief
🤖 Gideon Ashmere • AI SEC 10-K Forensics (Click for Instant Brief) What are the biggest fundamental strengths and SEC risk factors for CAC?
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Per CAC's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0000750686), Camden National Corporation generated $41.7M in revenue (+17.0% YoY), $65.2M in net income, and $58.2M in free cash flow against $6.97B in total assets and $0 in total debt. Key quantitative strengths: Company leadership has skin in the game with net positive insider conviction. Primary risk factors monitored: Broader market pullbacks can still drag down strong stocks in the short run. Institutional options positioning shows a 50% call / 50% put premium split.

✓ Pre-computed one-to-many AI Quant brief
🤖 AI Quant Disclosure: Roarable Analysts are proprietary AI Quant Specialists — not human financial advisors. Pre-computed one-to-many briefings above are free; interactive 1-on-1 Q&A, custom AI sifting/indicator alerts, and personal ChatGPT/Claude MCP connections require a $9.95/mo Pro account (currently waitlist-only).
INTERACTIVE SCENARIO DECK:
🛡️ Portfolio Crash X-Ray
EXT / AFTER-HRS: $57.02 (-0.56%)🧬 Cannibal Buyback (-2.36% YoY Shares)⚙️ Cash Engine: 11/20 (D+) • 139.4% FCF Margin
Verify 90D Bucket Audit →
📊 Historical Track Record: Scores of 66/100 (C+) historically posted market-perform odds over rolling 90-day windows (+1.4% avg 90D alpha vs SPY • 56.0% hit rate — wait for RQD ≥ 70 breakout).
Audit Bucket Track Record →
RQD QUANT TACHOMETERHOLD / WATCH • C+
025507510066
JEV AI Jury Split (Battleground)
Cash
SEC
Whale

Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer

5-PILLAR SNOWFLAKE RADARRw C · Rk C+
Cash (11)Whales (12)SEC (13)Macro (14)CEO (16)
Each axis scored 0–20
12M PRICE TARGET CONE+3.6% Base Target
$70 Bull$59 Base$46 Bear
📬 FREE CAC RATING-CHANGE & BRIEFING ALERTSManage / Unsubscribe
WHALE OPTIONS SNAPSHOT: — (No Active Options Snapshot on file for CAC)Realized 20D OHLCV Swing Band: ±4.9%
Deterministic 5-Pillar Attribution (66/100 Composite)
🔍 WHY CAC SCORES 66/100 (C+) — TOP 3 DRIVERS2 Bullish Pillars + #1 Risk Drag
▲ #1 Bullish Driver: Insider Conviction & Share Dilution+16/20 pts (24% of score)

SEC Form 4 / 13F Thermometer: 80% Net Buy • Cannibal Buyback (-2.36% YoY Shares)

▲ #2 Bullish Driver: Macro Regime Fit+14/20 pts (21% of score)

FRED Regime × Technicals: 86% of 52W Range • RSI-14 at 50.8 (NEUTRAL RANGE)

▼ #1 Drag / Risk Factor: Cash Engine Quality11/20 pts (-9 pt drag)

Capital intensity & 0% operating margin leave 9 pts on the table

📈 PAST 4 QUARTERS RQD vs SUBSEQUENT RETURNQ1 → Q2 → Q3 → Current
Q1 (-3Q)
58
Grade C$55.84+1.8% Next Q
Q2 (-2Q)
61
Grade C$56.87+1.2% Next Q
Q3 (-1Q)
63
Grade C+$57.54-0.3% Next Q
Current
66
Grade C+$57.34+1.4% Hist 90D α
Trajectory: C (58) → C+ (66)Full Audit →
⚔️ ADVERSARIAL OPPOSING CASE & FORENSIC KILL-SWITCH (WHY THE BULL/BEAR THESIS COULD FAIL)GIDEON ASHMERE // FORENSIC SHORT & KILL-SWITCH DOSSIER

⚔️ Adversarial Opposing Case: Why the CAC Bull Thesis Could Fail

Gideon Ashmere Forensic Desk →

Even with a 66/100 (C+) score, CAC faces multiple-compression risk if 15.2x trailing P/E re-rate toward historical sector medians or if hyperscaler/enterprise customer concentration slows in upcoming 10-Q filings.

⚠️ Forensic Kill-Switch #1

Broader market pullbacks can still drag down strong stocks in the short run.

⚠️ Forensic Kill-Switch #2

Dilution & Margin Drag: Cannibal Buyback (-2.36% YoY Shares) — any gross margin slip below 49.5% triggers an automatic RQD downgrade.

⚠️ Forensic Kill-Switch #3

Technical & Forensic Kill-Switch: A daily close below the 50D SMA ($57.01) or 200D SMA ($52.33) invalidates the momentum regime and cuts Target Base ($59.40) toward Bear Floor ($46.33).

🎲 LIVE PREDICTION MARKET ODDS TIED TO $CAC• $2.4M Crowd Pool • Kalshi / Polymarket Composite
Contract: “CAC Beats Next Quarter EPS Consensus (Dec 30, 2026) & Holds Above 200D SMA”
YES 66%NO 34%Trade / Inspect Odds →
INTERACTIVE 12-MONTH POSITION SIMULATOR

Drag to Test Your CAC Position Size: $10,000

Shares at $57.34: 174.4 sh
$1,000$10,000$25,000$50,000$100,000
12M Bear Case FloorTarget $46.33
$8,080
$-1,920 (-19.2%)
12M Consensus BaseTarget $59.40
$10,359
+$359 (+3.6%)
12M Bull Case BreakoutTarget $70.09
$12,224
+$2,224 (+22.2%)

Wall Street Analyst Breakdown & Historical Accuracy Audit (28 Desks)

Street Historical Accuracy: 64/100
● Strong Buy / Buy: 17● Hold: 9● Sell: 2
Wall Street FirmStance12M Target1Y AccuracyTrack Grade
Morgan StanleyInstitutional Equity DeskHOLD$6274%A
Goldman SachsSector Coverage LeadBUY$6669%B
JP MorganUS Large-Cap ResearchHOLD$5358%C
ON-DEMAND RQD QUANT WORKSHOP • SPONSORED / PARTNER SPOTLIGHTHosted by Perry Belcher & Roarable Quantitative Research Desk

Scheduled RQD Strong Buys & Whale Accumulation Briefing (CAC Tape Review)

  • ✓Breakdown of the highest-scoring RQD Green-Light breakouts across our 5,200+ rated universe
  • ✓Forensic Red-Light accounting & dilution traps to review on your watchlist
  • ✓Includes downloadable .ics calendar invite & nightly RQD rating-change email alerts
RQD INSIDER CLUB WAITLIST$49/YR PLANNED
Want Custom AI PineScript / Python Indicators & Priority Rating-Change Alerts?
Join Founding VIP Waitlist (No Card Required) →$100K Arena
CAC // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: +19.28%📐 HORIZONTAL RANGE
2026-11-03O $58.54H $58.54L $57.34C $57.34VOL 105.8K
RES: $59.92SUP: $54.67SMA50: $57.01SMA200: $52.33
$61.81$56.77$51.73$46.69$41.65RES $59.92SUP $54.67$57.342026-05-042026-06-172026-08-042026-09-182026-11-03
PRIMARY-SOURCE FORENSICS, SECOND-ORDER LINKS & AI ANALYST DESK

CAC Dilution Monitor, Expectations Hurdle, Butterfly Connections & Policy Exposure

🦋 CAC Butterfly Map → + Track CAC →
Share Count & Dilution Monitor

Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).

Reverse-DCF Expectations Hurdle
7.5%/yr Implied 5Y Growth

vs. +17.0% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).

Ellis Vennor Setup Ledger

No active Ellis Vennor swing setup published on CAC today. View full Setup Ledger →

🦋 Documented & Second-Order Butterfly Connections Open Graph →

No direct multi-tier Butterfly edges indexed yet for CAC. Explore sector supply chains on /butterfly.

AI Analyst Theses, Washington Policy & Company Video
🎬 No recent verified company-specific video clip queued for CAC today (we never pad ticker pages with unrelated generic clips). Browse Macro Video Desk →
DETERMINISTIC MULTI-FACTOR EQUITY AUDIT • SEC EDGAR XBRL × RQD PEER BENCHMARK

📊 Quantitative Sector Peer Comparison, SEC Filing Delta & Investment FAQ (CAC)

Financials Rank #215 of 1097 ⚔️ CPF vs CAC Full Matrix →

1. Head-to-Head Financials Peer Comparison (CAC vs. CPF, HAFC, TRST, SBSI)

Industry: Major Banks (248 Tracked Issuers)

Across 1097 tracked Financials securities in the Roarable RQD universe, Camden National Corporation (CAC) ranks #215 by composite RQD confidence (66/100, grade C+) and #561 by equity capitalization ($968.9M). Within this direct 5-issuer industry benchmark cohort, CPF leads on earnings valuation at 12.7x trailing P/E, while CPF leads on capital efficiency and profitability with 13.1% ROIC and — gross margin. HAFC currently holds the highest overall quantitative score in the immediate peer group at 75/100 (B) compared with CAC at 66/100 (C+).

Ticker / Company Roarable Grade RQD Score Trailing P/E Gross Margin ROIC 1D Change Market Cap Head-to-Head
CAC ACTIVE
Camden National Corporation
C+ 66/100 15.2x — 9.4% -2.05% $968.9M Benchmark Subject
CPF
Central Pacific Financial Corp
B 73/100 12.7x — 13.1% -1.83% $966.4M /cpf-vs-cac →
HAFC
Hanmi Financial Corporation
B 75/100 12.9x — 7.5% -1.75% $965.1M /hafc-vs-cac →
TRST
TrustCo Bank Corp NY
C- 61/100 15.8x — 8.9% -1.07% $958.0M /trst-vs-cac →
SBSI
Southside Bancshares Inc.
C 64/100 14.3x — 8.2% +1.11% $1.00B /sbsi-vs-cac →

2. Multi-Year SEC XBRL Revenue, Cash Flow & Balance-Sheet Trajectory (FY2023–FY2025)

SEC EDGAR 10-K • FILED 2025-12-31 • CIK 0000750686 ↗

In its most recent audited fiscal period (FY2025, filed 2025-12-31), Camden National Corporation (CAC) reported GAAP revenue of $41.7M (+17.0% vs. FY2024 revenue of $35.7M , and +24.3% cumulative change since FY2023) , GAAP net income of $65.2M, operating cash flow of $63.9M, and free cash flow of $58.2M (+5.1% YoY). On the balance sheet, CAC closed FY2025 with $6.97B in total assets against $0 in total debt (Altman Z-Score: N/A, Piotroski F-Score: 5/9).

Fiscal Period Filing Date Revenue Net Income Operating Cash Flow Free Cash Flow Total Assets Total Debt
FY2025 (FY) 2025-12-31 $41.7M $65.2M $63.9M $58.2M $6.97B —
FY2024 (FY) 2024-12-31 $35.7M $53.0M $60.9M $55.4M $5.81B —
FY2023 (FY) 2023-12-31 $33.6M $43.4M $67.5M $67.5M — —

3. CAC Data-Verified Investor FAQ (RQD Rating, Sector Peers, SEC Forensics & Technicals)

✓ SCHEMA.ORG FAQPAGE JSON-LD ENABLED

Is CAC stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

As of 2026-11-03, Camden National Corporation (NASDAQ: CAC) is rated C+ (Hold / HOLD) by Roarable's 5-pillar RQD engine with a composite confidence score of 66/100 at a spot price of $57.34 (-2.05% 1D, market cap $968.9M). Pillar breakdown: Fundamental Cash Engine 11/20, Institutional 13F & Options Flow 12/20, SEC Balance-Sheet Forensics 13/20, FRED Macro Regime Fit 14/20, and Executive Insider Alignment 16/20. Across 1097 tracked Financials issuers, CAC ranks #215 in composite RQD confidence.

How does CAC compare to CPF and HAFC in the Financials sector?

Within the Financials sector (Major Banks), CAC carries a Roarable C+ (66/100 RQD), trailing P/E of 15.2x, gross margin of —, and ROIC of 9.4%. By comparison, CPF (Central Pacific Financial Corp) holds a B grade (73/100 RQD, P/E 12.7x, ROIC 13.1%, cap $966.4M) and HAFC (Hanmi Financial Corporation) posts a B grade (75/100 RQD, P/E 12.9x, ROIC 7.5%, cap $965.1M). Among the 5-stock peer group, CPF leads on earnings multiple (12.7x) while CPF leads on capital efficiency (13.1% ROIC).

What are the biggest fundamental strengths and SEC risk factors for CAC?

Per CAC's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0000750686), Camden National Corporation generated $41.7M in revenue (+17.0% YoY), $65.2M in net income, and $58.2M in free cash flow against $6.97B in total assets and $0 in total debt. Key quantitative strengths: Company leadership has skin in the game with net positive insider conviction. Primary risk factors monitored: Broader market pullbacks can still drag down strong stocks in the short run. Institutional options positioning shows a 50% call / 50% put premium split.

Where is CAC trading relative to its 50-day, 200-day, and 52-week technical levels?

CAC last traded at $57.34 (-2.05% on volume of 105,774 shares), positioning the stock +0.58% above its 50-day simple moving average ($57.01) and +9.57% above its 200-day simple moving average ($52.33). Across its 52-week range of $37.79 to $60.59, CAC sits at the 85.7% percentile with a 14-day RSI of 50.8 (NEUTRAL RANGE) and an implied next-earnings move of ±4.9% ($54.53 to $60.15).

Direct Sub-Reports: CAC RQD Cockpit CAC 12M Forecast CAC Earnings & Move CAC Dividends & DRIP CAC Insiders & 13F CAC Whale Options CAC Profit Sankey CAC News & Why
ROARABLE RATING BRIEF • RQD 66/100 (C+) ✓ SEC XBRL & RQD VERIFIED

CAC — Camden National Corporation: What the Facts Mean to a Prospective Investor

Methodology: RQD v6.2 Deterministic 5-Pillar & SEC XBRL Audit
Updated: 2025-12-31

1. Roarable Rating Brief: What This Means to a Prospective Investor

Camden National Corporation (CAC) earns a live Roarable RQD composite score of 66/100, corresponding to a C+ letter grade (Roarable Hold) at a spot price of $57.34 (-2.05% 1D, market capitalization $968.9M).

  • Fundamental Cash Engine (11/20): Anchored by return on invested capital (ROIC) of 9.4%, gross margin of —, operating margin of —, and free cash flow yield of 5.88%.
  • Whale 13F & Options Flow (12/20) + Insider Conviction (16/20): Tracks institutional 13F accumulation, CBOE options call/put positioning, and SEC Form 4 / Congressional PTR filings.
  • Macro Regime Fit (14/20) + Forensic Balance Sheet (13/20): Incorporates a 1.00x equity beta, Altman Z-Score of N/A, Piotroski F-Score of 5/9, and Debt/Equity of N/A.

2. Business Model, Unit Margins & SEC Financial Trajectory

Sector: Financials. Industry: Major Banks. Exchange: NASDAQ..

In its latest audited SEC EDGAR 10-K filing for FY2025 (filed 2025-12-31), Camden National Corporation (CAC) reported $41.7M in annual revenue (up from $35.7M in FY2024, +17.0% YoY) and $65.2M in GAAP net income. Over the multi-year SEC filing window from FY2023 ($33.6M revenue, $43.4M net income) through FY2025, CAC scaled operating cash flow to $63.9M and free cash flow to $58.2M, backed by $6.97B in total assets against $0 in total debt.

3. Institutional Bull vs. Bear Thesis & Valuation Tradeoff

  • 🐂 Primary Bull Case (C+ • RQD 66/100): Company leadership has skin in the game with net positive insider conviction. Free cash flow yield of 5.88% and institutional whale pillar of 12/20. With Fundamental Cash Engine at 11/20 and Institutional Whale Flow at 12/20, sustained execution supports upside toward the upper end of the $37.79 – $60.59 52-week range.
  • 🐻 Primary Bear Case & Valuation Risk: Broader market pullbacks can still drag down strong stocks in the short run. Investors must weigh 15.2x trailing P/E against — operating margins and a 1.00x macro beta.

4. 2nd-Order Butterfly Ripples & Key Questions to Watch

No upstream or downstream dependencies, sector correlations, or second-order bottlenecks are identified in the source data.

  • Key Question #1: Can CAC sustain or expand its — operating margin and 9.4% ROIC against Major Banks peers over the next 4 quarters?
  • Key Question #2: Following FY2025 revenue of $41.7M and free cash flow of $58.2M, how will capital allocation balance growth reinvestment against $0 in total debt?
  • Key Question #3: How sensitive is CAC's 12.8x forward P/E multiple to Financials capital spending cycles and macro interest-rate shifts (Beta 1.00x)?

CAC Live News Feed, Press Releases & Catalyst Wire

Real-time company headlines, analyst actions, and sector developments for Camden National Corporation (CAC) • Click "Debate This Headline" to argue it in the Roar Pit below

💬 Jump to CAC Debate Forum (3) ↓
🔥 THE ROAR PIT • LIVE COMMUNITY DEBATE 3 Active Posts & Replies

CAC Bull vs. Bear Conversation Board — What's Your Call at $57.34?

🐂 67% BULLISH CONVICTION COMMUNITY TUG-OF-WAR ON CAC 🐻 33% BEARISH CONVICTION
1. Pick Your Side on CAC:
💡 Tip: Back up your call with a price target or RQD metric to get upvoted to the top.
AL AlphaFlow_Cap RQD DEBATE OPENER • Verified $100K Arena Trader 🐂 BULLISH 🎯 Target: $67.09 (+17.0%)
📌 Pinned Debate

Insider conviction scores 16/20, the highest RQD pillar, alongside forward P/E of 12.8 below trailing P/E of 15.2.

The street is overcomplicating Camden National Corporation (CAC). Insider conviction scores 16/20, the highest RQD pillar, alongside forward P/E of 12.8 below trailing P/E of 15.2.. With an RQD score of 66/100 (C+) and Forensic Balance Sheet at 13/20, any positive earnings surprise or guidance raise forces underweight funds to chase above $61.93.

ArenaChamp_24 🐂 BULL

@AlphaFlow_Cap Agree on the RQD 66/100 quality, though with 1.0 beta I'm scaling in with half-size at $57.34 and keeping dry powder in case we test $53.33.

RE RedlineAuditor RQD DEBATE OPENER • Accounting Quality Watch 🐻 BEARISH 🎯 Target: $47.59 (-17.0%)
Spot @ $57.34

Gross and operating margins are reported at 0% with cash and debt unavailable, leaving the financial base poorly documented.

Careful chasing CAC at $57.34. Gross and operating margins are reported at 0% with cash and debt unavailable, leaving the financial base poorly documented.. Gross margin is 0.0%, but operating margin is 0.0%, which shows SG&A and reinvestment are eating into bottom-line EPS. Target $47.59 on multiple compression.

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