Stock Ratings / Financials / CAC / dividends

SBSI (64) CPF (74) HAFC (76) TRST (62) ⌘ Pro Terminal →

Camden National Corporation (CAC) Dividend Safety Gauge & 10-Year DRIP Compounder

$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 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.

📊 Historical Track Record: Scores of 68/100 (C+) historically posted market-perform odds over rolling 90-day windows (+1.8% avg 90D alpha vs SPY) →

ROARABLE C+ • HOLD / WATCH Cap $989.2M

📤 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 2026-11-02, 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.

✓ Pre-computed one-to-many AI Quant brief

🤖 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).

✓ 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 68/100 (C+) historically posted market-perform odds over rolling 90-day windows (+1.8% avg 90D alpha vs SPY • 56.9% hit rate — wait for RQD ≥ 70 breakout).

Audit Bucket Track Record →

RQD QUANT TACHOMETERHOLD / WATCH • C+

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+

Each axis scored 0–20

12M PRICE TARGET CONE+4.5% Base Target

WHALE OPTIONS SNAPSHOT: — (No Active Options Snapshot on file for CAC)Realized 20D OHLCV Swing Band: ±4.8%

Deterministic 5-Pillar Attribution (68/100 Composite)

🔍 WHY CAC SCORES 68/100 (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: Whale & Options Positioning+14/20 pts (21% of score)

20D Institutional Volume Accumulation (±4.8% realized swing band)

▼ #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)

Grade C$56.03-0.4% Next Q

Q2 (-2Q)

Grade C+$55.81+4.7% Next Q

Q3 (-1Q)

Grade C+$58.46-1.9% Next Q

Current

Grade C+$57.34+1.8% Hist 90D α

Trajectory: C (60) → C+ (68)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 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.

⚠️ 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 ($57.00) or 200D SMA ($52.27) invalidates the momentum regime and cuts Target Base ($59.92) toward Bear Floor ($46.74).

🎲 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 68%NO 32%Trade / Inspect Odds →

CASH DIVIDEND + BUYBACK YIELD

4.68% Total Yield

2.88% Cash ($1.65/yr) + 1.8% Buybacks

PAYOUT SAFETY SPEEDOMETER

88/100 • FORTRESS PAYOUT

FREE CASH FLOW PAYOUT RATIO

31.8% of FCF

8 consecutive years of payout growth

INTERACTIVE DRIP & SHAREHOLDER-YIELD COMPOUNDER (14% EST. ANNUAL)

$10,000 Compounded Over 10 Years → $37,072

Est. Year-10 Shareholder Yield: $1,735/yr

Starting Investment: $10,000

Compounding Horizon: 10 Years

$11.4K

Yr 1

$13.0K

Yr 2

$14.8K

Yr 3

$16.9K

Yr 4

$19.3K

Yr 5

$21.9K

Yr 6

$25.0K

Yr 7

$28.5K

Yr 8

$32.5K

Yr 9

$37.1K

Yr 10

ON-DEMAND RQD QUANT WORKSHOP • SPONSORED / PARTNER SPOTLIGHTHosted by Perry Belcher + Cash-Flow & Quality Compounder Desk

Cash-Fortress Compounders: Auditing Free Cash Flow & Yield Safety in CAC & A-Rated Leaders

✓12-month Bull/Base/Bear fair-value walkthrough on CAC and its top sector peer
✓Top Roarable A-Rated cash compounders with verified executive & 13F accumulation
✓Includes nightly RQD rating-change & forensic signal 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

2026-11-02O $58.29H $58.54L $57.34C $57.34VOL 73.5K

RES: $59.93SUP: $54.66SMA50: $57.00SMA200: $52.27

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 (#25)

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

Reverse-DCF Expectations Hurdle (#30)

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 (#33)

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 #188 of 1096 ⚔️ SBSI vs CAC Full Matrix →

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 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?

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

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

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 × FRED

Does CAC pay a dividend and is it safe?

Camden National Corporation (CAC) offers a 2.88% cash dividend yield ($1.65 annualized) and 4.68% total shareholder yield including buybacks. Roarable rates its payout coverage as FORTRESS PAYOUT.

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 68/100 (C+) ✓ STAGE-C NUMBER FIREWALL VERIFIED

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

Engine: anthropic/claude-haiku-5.5

As of: 2026-11-02T15:31:23Z

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

💬 Jump to CAC Debate Forum (3) ↓

🟡 MARKET WIRE Yahoo Finance • 12h ago

Earnings to watch: Camden National Corporation (CAC) reports Q3 results tomorrow

Yahoo Finance report covering Camden National Corporation (CAC) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🟡 MARKET WIRE TradingView • 15h ago

Camden National Corporation (NASDAQ:CAC) posts better-than-expected sales in Q3 2026

TradingView report covering Camden National Corporation (CAC) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🟡 MARKET WIRE The Globe and Mail • 18h ago

3 Reasons to Avoid CAC and 1 Stock to Buy Instead

The Globe and Mail report covering Camden National Corporation (CAC) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🟡 MARKET WIRE Seeking Alpha • 21h ago

Camden National: Still Attractive After A 40% Share Price Increase (NASDAQ:CAC)

Seeking Alpha report covering Camden National Corporation (CAC) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🟡 MARKET WIRE Yahoo Finance • 1d ago

Camden National (CAC) Stock Price Meets Q3 Earnings And Fee Questions

Yahoo Finance report covering Camden National Corporation (CAC) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🟢 CATALYST www.marketscreener.com • 1d ago

Tranche Update on Camden National Corporation's Equity Buyback Plan announced on January 8, 2026.

www.marketscreener.com report covering Camden National Corporation (CAC) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🟡 MARKET WIRE TradingView • 1d ago

Camden National Corporation Estimates – NASDAQ:CAC

TradingView report covering Camden National Corporation (CAC) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🟡 MARKET WIRE Stock Titan • 1d ago

Vanguard reports a Camden National (CAC) stake with sole voting power over 126,468 shares.

Stock Titan report covering Camden National Corporation (CAC) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🔥 THE ROAR PIT • LIVE COMMUNITY DEBATE 3 Active Posts & Replies

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

🐂 50% BULLISH CONVICTION COMMUNITY TUG-OF-WAR ON CAC 🐻 50% BEARISH CONVICTION

RO RoarDesk_Moderator Roarable Research Desk ⚖️ DEBATE HOST 🎯 Target: $63.22 (+8.0%)

📌 Pinned Debate

🔥 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.

BE BearTrap_Alert Forensic Accounting Watch 🐻 BEARISH 🎯 Target: $45.66 (-22.0%)

Spot @ $58.54

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.

MI MidwestValue Verified K Arena Trader 🐂 BULLISH 🎯 Target: $67.32 (+15.0%)

Spot @ $58.54

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.