Yahoo Finance report covering Camden National Corporation (CAC) market action, institutional positioning, and fundamental catalysts.
Why CAC Stock dropped -2.05% Today — RQD Quant Desk Flash
Camden National Corporation (CAC) carries a Roarable Rating of C+ (Hold) with 68/100 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.
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Is CAC stock a Buy, Hold, or Sell right now according to Roarable's RQD model?
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As of 2026-11-02, Camden National Corporation (NASDAQ: CAC) is rated C+ (Hold / HOLD) by Roarable's 5-pillar RQD engine with a composite confidence score of 68/100 at a spot price of $57.34 (-2.05% 1D, market cap $989.2M). Pillar breakdown: Fundamental Cash Engine 11/20, Institutional 13F & Options Flow 14/20, Executive Insider Alignment 13/20, FRED Macro Regime Fit 14/20, and SEC Balance-Sheet Forensics 16/20. Across 1096 tracked Financials issuers, CAC ranks #188 in composite RQD confidence.
🤖 Ellis Vennor • AI Peer & Flow Quant (Click for Instant Brief)
How does CAC compare to SBSI and CPF in the Financials sector?
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Within the Financials sector (Major Banks), CAC carries a Roarable C+ (68/100 RQD), trailing P/E of 15.2x, gross margin of —, and ROIC of 9.4%. By comparison, SBSI (Southside Bancshares Inc.) holds a C grade (64/100 RQD, P/E 14.3x, ROIC 8.2%, cap $992.3M) and CPF (Central Pacific Financial Corp) posts a B grade (74/100 RQD, P/E 12.7x, ROIC 13.1%, cap $984.4M). Among the 5-stock peer group, CPF leads on earnings multiple (12.7x) while CPF leads on capital efficiency (13.1% ROIC).
🤖 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.
Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer
SEC Form 4 / 13F Thermometer: 80% Net Buy • Cannibal Buyback (-2.36% YoY Shares)
20D Institutional Volume Accumulation (±4.8% realized swing band)
Capital intensity & 0% operating margin leave 9 pts on the table
⚔️ Adversarial Opposing Case: Why the CAC Bull Thesis Could Fail
Even with a 68/100 (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.
Broader market pullbacks can still drag down strong stocks in the short run.
Dilution & Margin Drag: Cannibal Buyback (-2.36% YoY Shares) — any gross margin slip below 49.5% triggers an automatic RQD downgrade.
Technical & Forensic Kill-Switch: A daily close below the 50D SMA ($57.00) or 200D SMA ($52.27) invalidates the momentum regime and cuts Target Base ($59.92) toward Bear Floor ($46.74).
Why CAC Stock dropped -2.05% Today — RQD Quant Desk Flash
Camden National Corporation (CAC) dropped -2.05% to $57.34, trading at 86% of its 52-week range ($37.78 – $60.59). Solid steady margins (9% return on capital), mixed timing at 15x P/E—hold if owned, no rush to chase.
- ▸Technical Tape: Trading at 86% of its 52-week range ($37.78 – $60.59) with RSI-14 at 58 (BULLISH MOMENTUM).
- ▸Volatility Profile: Historical 20-day realized swing band of ±4.8% around $57.34 (no active unusual options sweep snapshot on file).
- ▸Fundamental Anchor: Roarable C+ (Hold) backed by 52% gross margin and $58.2M annual free cash flow.
TradingView report covering Camden National Corporation (CAC) market action, institutional positioning, and fundamental catalysts.
The Globe and Mail report covering Camden National Corporation (CAC) market action, institutional positioning, and fundamental catalysts.
Seeking Alpha report covering Camden National Corporation (CAC) market action, institutional positioning, and fundamental catalysts.
Yahoo Finance report covering Camden National Corporation (CAC) market action, institutional positioning, and fundamental catalysts.
www.marketscreener.com report covering Camden National Corporation (CAC) market action, institutional positioning, and fundamental catalysts.
TradingView report covering Camden National Corporation (CAC) market action, institutional positioning, and fundamental catalysts.
Stock Titan report covering Camden National Corporation (CAC) market action, institutional positioning, and fundamental catalysts.
Camden National’s third quarter saw revenue exceed Wall Street expectations, with management crediting robust core deposit growth and disciplined expense control as key drivers. CEO Simon Griffiths highlighted a 15 basis
Net income rose 8% as deposit growth and margin expansion drove profitability gains.
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
CAC Dilution Monitor, Expectations Hurdle, Butterfly Connections & Policy Exposure
Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).
vs. +17.0% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).
No active Ellis Vennor swing setup published on CAC today. View full Setup Ledger →
No direct multi-tier Butterfly edges indexed yet for CAC. Explore sector supply chains on /butterfly.
📊 Quantitative Sector Peer Comparison, SEC Filing Delta & Investment FAQ (CAC)
1. Head-to-Head Financials Peer Comparison (CAC vs. SBSI, CPF, HAFC, TRST)
Industry: Major Banks (248 Tracked Issuers)Across 1096 tracked Financials securities in the Roarable RQD universe, Camden National Corporation (CAC) ranks #188 by composite RQD confidence (68/100, grade C+) and #558 by equity capitalization ($989.2M). 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 76/100 (B+) compared with CAC at 68/100 (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+ | 68/100 | 15.2x | — | 9.4% | -2.05% | $989.2M | Benchmark Subject |
| SBSI Southside Bancshares Inc. | C | 64/100 | 14.3x | — | 8.2% | +1.11% | $992.3M | /sbsi-vs-cac → |
| CPF Central Pacific Financial Corp | B | 74/100 | 12.7x | — | 13.1% | -1.83% | $984.4M | /cpf-vs-cac → |
| HAFC Hanmi Financial Corporation | B+ | 76/100 | 12.9x | — | 7.5% | -1.75% | $982.3M | /hafc-vs-cac → |
| TRST TrustCo Bank Corp NY | C | 62/100 | 15.8x | — | 8.9% | -1.07% | $968.4M | /trst-vs-cac → |
2. Multi-Year SEC XBRL Revenue, Cash Flow & Balance-Sheet Trajectory (FY2023–FY2025)
SEC EDGAR 10-K • FILED 2025-12-31 • CIK 0000750686In 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 ENABLEDIs CAC stock a Buy, Hold, or Sell right now according to Roarable's RQD model?
As of 2026-11-02, Camden National Corporation (NASDAQ: CAC) is rated C+ (Hold / HOLD) by Roarable's 5-pillar RQD engine with a composite confidence score of 68/100 at a spot price of $57.34 (-2.05% 1D, market cap $989.2M). Pillar breakdown: Fundamental Cash Engine 11/20, Institutional 13F & Options Flow 14/20, Executive Insider Alignment 13/20, FRED Macro Regime Fit 14/20, and SEC Balance-Sheet Forensics 16/20. Across 1096 tracked Financials issuers, CAC ranks #188 in composite RQD confidence.
How does CAC compare to SBSI and CPF in the Financials sector?
Within the Financials sector (Major Banks), CAC carries a Roarable C+ (68/100 RQD), trailing P/E of 15.2x, gross margin of —, and ROIC of 9.4%. By comparison, SBSI (Southside Bancshares Inc.) holds a C grade (64/100 RQD, P/E 14.3x, ROIC 8.2%, cap $992.3M) and CPF (Central Pacific Financial Corp) posts a B grade (74/100 RQD, P/E 12.7x, ROIC 13.1%, cap $984.4M). 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 +0.60% above its 50-day simple moving average ($57.00) and +9.70% above its 200-day simple moving average ($52.27). Across its 52-week range of $37.78 to $60.59, CAC sits at the 85.8% percentile with a 14-day RSI of 58.0 (BULLISH MOMENTUM) and an implied next-earnings move of ±4.8% ($54.59 to $60.09).
CAC Investor FAQ & Complete 8-Part Research Index
100% OPEN ACCESS • SEC EDGAR × CBOE × FREDWhy is CAC stock moving today?
Why CAC Stock dropped -2.05% Today — RQD Quant Desk Flash. Solid steady margins (9% return on capital), mixed timing at 15x P/E—hold if owned, no rush to chase.
CAC — Camden National Corporation: What the Facts Mean to a Prospective Investor
Roarable Rating Brief: What This Means to a Prospective Investor
Per the Roarable RQD rating, CAC scores 68 out of 100 (grade C+, verdict "Roarable Hold — Upper Neutral / Watch for Breakout"). The five pillars are:
- Fundamental Cash Engine: 11 / 20. Per the Roarable RQD rating, this pillar reflects ROIC of 9.4% and FCF yield of 5.88%. Investor implication: cash generation relative to the equity base is moderate rather than exceptional, which limits the upside case based on operating cash returns alone.
- Whale 13F Flow: 14 / 20. Per the Roarable RQD rating, this pillar reflects institutional accumulation and options positioning. Investor implication: institutional interest is present but not dominant, so price discovery may remain sensitive to sentiment shifts.
- Insider Conviction: 16 / 20. Per the Roarable RQD rating, this is the highest-scoring pillar and reflects SEC Form 4 and Congressional PTR cluster flow. Investor implication: insider-side activity is the strongest component of the rating, though the underlying trade detail is not itemized in the source data.
- Macro Regime Fit: 14 / 20. Per the Roarable RQD rating, this pillar reflects beta of 1.0 and sector sensitivity. Investor implication: the stock is assessed as moving broadly in line with the market, so it neither dampens nor amplifies market-wide moves.
- Forensic Balance Sheet: 13 / 20. Per the Roarable RQD rating, this pillar reflects Altman Z 2.5, Piotroski F 5/9, and Debt/Equity 0.5. Investor implication: the balance sheet screens as adequate rather than strong, with no single forensic metric signaling distress.
Valuation tradeoff: per the Snapshot data, trailing P/E is 15.2 and forward P/E is 12.8, implying the market expects earnings to rise. Whether that expectation is realized is the central open question for a prospective investor.
Financial Trend
| Period | Revenue | Operating Income | Net Income | EPS | FCF | Cash | Debt |
|---|---|---|---|---|---|---|---|
| FY 2025 | $41.7M | $0.0M | $65.2M | N/A | $58.2M | N/A | N/A |
| FY 2024 | $35.7M | $0.0M | $53.0M | N/A | $55.4M | N/A | N/A |
| FY 2023 | $33.6M | $0.0M | $43.4M | N/A | $67.5M | N/A | N/A |
Per the SEC financials, net income rose from $43.4M (FY 2023) to $53.0M (FY 2024) to $65.2M (FY 2025), while reported FCF moved from $67.5M to $55.4M to $58.2M over the same periods. Per the market data, ROIC is 9.4% and net margin is 68%; gross and operating margin are reported as 0%, which should be treated as a data-quality flag rather than a substantive reading. Per the Roarable RQD rating, the Altman Z-Score is 2.5 and the Piotroski F-Score is 5/9, and Debt/Equity is 0.5. Cash and debt balances are not available in source data for any period.
Recent Catalysts & News Wire Analysis
Per the recent news feed, the catalysts are:
- A Q3 earnings preview noting an upcoming report (flagged YELLOW, market wire).
- A TradingView report describing better-than-expected Q3 2026 sales (flagged YELLOW, market wire).
- A Globe and Mail article headlined "3 Reasons to Avoid CAC and 1 Stock to Buy Instead" (flagged YELLOW, market wire), a bearish framing.
- A Seeking Alpha piece noting the stock remains attractive after a 40% share price increase (flagged YELLOW, market wire).
- A Yahoo Finance item on Q3 results meeting earnings and fee questions (flagged YELLOW, market wire).
- A MarketScreener tranche update on the equity buyback plan announced January 8, 2026 (flagged GREEN, catalyst). This is the only item flagged as a catalyst rather than market wire.
Risk watch items: the bearish headline and the note on fee questions. Proprietary signals: none per the Butterfly Supply-Chain Graph.
Open Questions
- What are the reported cash and debt balances for each period, given they are listed as N/A in the financials?
- Why are gross and operating margins reported as 0% while net margin is 68%, and is this a reporting artifact?
- What specific insider and institutional transactions drive the 16/20 and 14/20 pillar scores?
- What were the actual Q3 2026 results versus expectations, and what is the nature of the "fee questions" referenced in the news?
- What is the EV/EBITDA, and what is the operating business model that generates the reported revenue?
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
Yahoo Finance report covering Camden National Corporation (CAC) market action, institutional positioning, and fundamental catalysts.
TradingView report covering Camden National Corporation (CAC) market action, institutional positioning, and fundamental catalysts.
The Globe and Mail report covering Camden National Corporation (CAC) market action, institutional positioning, and fundamental catalysts.
Seeking Alpha report covering Camden National Corporation (CAC) market action, institutional positioning, and fundamental catalysts.
Yahoo Finance report covering Camden National Corporation (CAC) market action, institutional positioning, and fundamental catalysts.
www.marketscreener.com report covering Camden National Corporation (CAC) market action, institutional positioning, and fundamental catalysts.
TradingView report covering Camden National Corporation (CAC) market action, institutional positioning, and fundamental catalysts.
Stock Titan report covering Camden National Corporation (CAC) market action, institutional positioning, and fundamental catalysts.
CAC Bull vs. Bear Conversation Board — What's Your Call at $57.34?
🔥 Official Bull vs. Bear Debate: Is CAC (C+ • RQD 68/100) a Buy at $58.54?
Welcome to the CAC (Camden National Corporation) Roar Pit. Current RQD Composite is 68/100 (Roarable Hold — Upper Neutral / Watch for Breakout) in Major Banks. Bulls point to operating leverage and sector positioning, while bears focus on macro rate sensitivity and margin execution. Pick your side (🐂 Bull or 🐻 Bear) and drop your price target below.
Pump the brakes on CAC — check the valuation vs. margin headwinds
Everyone in here is repeating the bull case on CAC, but look at what you are paying: 15.2x trailing P/E with tightening sector spreads. Unless Camden National Corporation expands free cash flow yield next quarter, I would rather wait for a pullback closer to the 200-day moving average before touching this.
CAC cash flow & RQD setup is being underpriced by the Street here
Looking at the 5-pillar RQD breakdown on CAC, the market is fixating on short-term headline noise in Major Banks and ignoring the balance sheet and cash flow trajectory. At $58.54 (52-wk range $37.78 - $60.59), any beat on forward guidance forces shorts and underweight funds to chase.