Camden National Corporation (CAC) - Net Assets
Based on the latest financial reports, Camden National Corporation (CAC) has net assets worth $696.56 Million USD as of December 2025. Net assets (also known as shareholders' equity or book value) represent the difference between a company's total assets ($6.97 Billion) and total liabilities ($6.28 Billion). This figure indicates the residual interest in the assets after deducting liabilities, essentially showing what would remain for shareholders if all assets were liquidated and all debts paid off. Check CAC asset liquidity ratio to evaluate the company's liquid asset resilience ratio.
Key Net Assets Metrics
| Metric | Value |
|---|---|
| Current Net Assets | $696.56 Million |
| % of Total Assets | 9.99% |
| Annual Growth Rate | 8.96% |
| 5-Year Change | 28.68% |
| 10-Year Change | 77.9% |
| Growth Volatility | 13.2 |
Camden National Corporation - Net Assets Trend (1996–2025)
This chart illustrates how Camden National Corporation's net assets have evolved over time, based on quarterly financial data. Also explore Camden National Corporation total assets for the complete picture of this company's asset base.
Annual Net Assets for Camden National Corporation (1996–2025)
The table below shows the annual net assets of Camden National Corporation from 1996 to 2025. For live valuation and market cap data, see Camden National Corporation stock valuation.
| Year | Net Assets | Change |
|---|---|---|
| 2025-12-31 | $696.56 Million | +31.12% |
| 2024-12-31 | $531.23 Million | +7.31% |
| 2023-12-31 | $495.06 Million | +9.70% |
| 2022-12-31 | $451.28 Million | -16.63% |
| 2021-12-31 | $541.29 Million | +2.26% |
| 2020-12-31 | $529.31 Million | +11.81% |
| 2019-12-31 | $473.42 Million | +8.63% |
| 2018-12-31 | $435.82 Million | +8.03% |
| 2017-12-31 | $403.41 Million | +3.03% |
| 2016-12-31 | $391.55 Million | +7.81% |
| 2015-12-31 | $363.19 Million | +48.17% |
| 2014-12-31 | $245.11 Million | +6.06% |
| 2013-12-31 | $231.10 Million | -1.16% |
| 2012-12-31 | $233.81 Million | +6.83% |
| 2011-12-31 | $218.88 Million | +6.25% |
| 2010-12-31 | $206.00 Million | +8.10% |
| 2009-12-31 | $190.56 Million | +14.52% |
| 2008-12-31 | $166.40 Million | +38.43% |
| 2007-12-31 | $120.20 Million | +12.28% |
| 2006-12-31 | $107.05 Million | -17.36% |
| 2005-12-31 | $129.54 Million | +2.48% |
| 2004-12-31 | $126.41 Million | +5.60% |
| 2003-12-31 | $119.71 Million | +0.74% |
| 2002-12-31 | $118.83 Million | +13.10% |
| 2001-12-31 | $105.07 Million | +15.33% |
| 2000-12-31 | $91.10 Million | +17.24% |
| 1999-12-31 | $77.70 Million | -0.26% |
| 1998-12-31 | $77.90 Million | +24.24% |
| 1997-12-31 | $62.70 Million | +8.35% |
| 1996-12-31 | $57.87 Million | -- |
Equity Component Analysis
This analysis shows how different components contribute to Camden National Corporation's total equity over time. Equity components include common stock, retained earnings, additional paid-in capital, and other elements.
Equity Composition Insights
- Retained earnings have grown by 859.3% over the analyzed period, indicating profitable operations and earnings retention.
Current Equity Component Breakdown (December 2025)
| Component | Amount | Percentage |
|---|---|---|
| Retained Earnings | $545.15 Million | 78.26% |
| Common Stock | $215.80 Million | 30.98% |
| Other Comprehensive Income | $-64.39 Million | -9.24% |
| Total Equity | $696.56 Million | 100.00% |
Camden National Corporation Competitors by Market Cap
The table below lists competitors of Camden National Corporation ranked by their market capitalization.
| Company | Market Cap |
|---|---|
|
ADTRAN Inc
NASDAQ:ADTN
|
$829.20 Million |
|
J Resources Asia Pasifik Tbk
JK:PSAB
|
$829.49 Million |
|
Jiayuan Science and Technology Co.Ltd.
SHE:301117
|
$829.77 Million |
|
Jiangsu Yawei Machine Tool Co Ltd
SHE:002559
|
$830.22 Million |
|
Metals Acquisition Limited
NYSE:MTAL
|
$829.10 Million |
|
Diagnósticos da América S.A
SA:DASA3
|
$828.87 Million |
|
BlackRock Technology and Private Equity Term Trust
NYSE:BTX
|
$828.64 Million |
|
Theravance Biopharma Inc
F:0TB
|
$828.57 Million |
Equity Growth Attribution
This analysis shows how different factors contributed to changes in Camden National Corporation's equity between the two most recent reporting periods.
Equity Growth Insights
- From 2024 to 2025, total equity changed from 531,231,000 to 696,558,000, a change of 165,327,000 (31.1%).
- Net income of 65,160,000 contributed positively to equity growth.
- Dividend payments of 28,472,000 reduced retained earnings.
- Other comprehensive income increased equity by 30,258,000.
- Other factors increased equity by 98,381,000.
Equity Change Factors (2024 to 2025)
| Factor | Impact | Contribution |
|---|---|---|
| Net Income | $65.16 Million | +9.35% |
| Dividends Paid | $28.47 Million | -4.09% |
| Other Comprehensive Income | $30.26 Million | +4.34% |
| Other Changes | $98.38 Million | +14.12% |
| Total Change | $- | 31.12% |
Book Value vs Market Value Analysis
This analysis compares Camden National Corporation's book value (net assets) with its market value over time. The relationship between these values can provide insights into investor sentiment and company valuation.
Valuation Insights
- Current price-to-book ratio: 1.19x
- The company is trading above its book value, indicating the market recognizes value beyond its reported assets.
- The price-to-book ratio has decreased from 8.86x to 1.19x over the analyzed period, indicating reduced market premium.
Historical Price-to-Book Ratios
| Date | Book Value per Share | Market Price | P/B Ratio |
|---|---|---|---|
| 1996-12-31 | $5.51 | $48.84 | x |
| 1997-12-31 | $6.09 | $48.84 | x |
| 1998-12-31 | $6.22 | $48.84 | x |
| 1999-12-31 | $6.44 | $48.84 | x |
| 2000-12-31 | $7.39 | $48.84 | x |
| 2001-12-31 | $8.59 | $48.84 | x |
| 2002-12-31 | $9.80 | $48.84 | x |
| 2003-12-31 | $10.03 | $48.84 | x |
| 2004-12-31 | $10.94 | $48.84 | x |
| 2005-12-31 | $11.31 | $48.84 | x |
| 2006-12-31 | $10.31 | $48.84 | x |
| 2007-12-31 | $12.22 | $48.84 | x |
| 2008-12-31 | $14.44 | $48.84 | x |
| 2009-12-31 | $16.57 | $48.84 | x |
| 2010-12-31 | $17.92 | $48.84 | x |
| 2011-12-31 | $19.00 | $48.84 | x |
| 2012-12-31 | $20.35 | $48.84 | x |
| 2013-12-31 | $20.13 | $48.84 | x |
| 2014-12-31 | $21.87 | $48.84 | x |
| 2015-12-31 | $30.08 | $48.84 | x |
| 2016-12-31 | $25.25 | $48.84 | x |
| 2017-12-31 | $25.88 | $48.84 | x |
| 2018-12-31 | $27.89 | $48.84 | x |
| 2019-12-31 | $30.64 | $48.84 | x |
| 2020-12-31 | $35.23 | $48.84 | x |
| 2021-12-31 | $36.15 | $48.84 | x |
| 2022-12-31 | $30.70 | $48.84 | x |
| 2023-12-31 | $33.89 | $48.84 | x |
| 2024-12-31 | $36.30 | $48.84 | x |
| 2025-12-31 | $41.07 | $48.84 | x |
Capital Efficiency Dashboard
This dashboard shows how efficiently Camden National Corporation utilizes its equity to generate returns, including Return on Equity (ROE) and its components based on the DuPont analysis framework.
Capital Efficiency Insights
- Current Return on Equity (ROE): 9.35%
- The company has moderate efficiency in generating returns from equity.
- DuPont Analysis Breakdown:
- • Net Profit Margin: 17.74%
- • Asset Turnover: 0.05x
- • Equity Multiplier: 10.01x
- Recent ROE (9.35%) is below the historical average (12.50%), suggesting potential challenges in capital efficiency.
Historical Capital Efficiency Metrics
| Year | Return on Equity | Net Profit Margin | Asset Turnover | Equity Multiplier | Economic Value Added |
|---|---|---|---|---|---|
| 1996 | 14.03% | 34.75% | 0.05x | 8.82x | $2.33 Million |
| 1997 | 17.09% | 16.90% | 0.11x | 9.17x | $4.44 Million |
| 1998 | 14.78% | 16.87% | 0.08x | 10.79x | $3.72 Million |
| 1999 | 13.14% | 13.21% | 0.08x | 11.96x | $2.44 Million |
| 2000 | 15.24% | 15.67% | 0.09x | 11.12x | $4.77 Million |
| 2001 | 14.67% | 16.58% | 0.09x | 10.37x | $4.91 Million |
| 2002 | 14.35% | 19.15% | 0.07x | 10.25x | $5.17 Million |
| 2003 | 15.81% | 22.81% | 0.06x | 11.45x | $6.96 Million |
| 2004 | 15.42% | 22.99% | 0.06x | 11.79x | $6.85 Million |
| 2005 | 16.50% | 21.43% | 0.06x | 12.76x | $8.43 Million |
| 2006 | 18.94% | 17.06% | 0.07x | 16.53x | $9.57 Million |
| 2007 | 16.87% | 16.85% | 0.07x | 14.28x | $8.26 Million |
| 2008 | 9.22% | 10.67% | 0.06x | 14.07x | $-1.30 Million |
| 2009 | 11.95% | 17.15% | 0.06x | 11.73x | $3.72 Million |
| 2010 | 12.02% | 19.96% | 0.05x | 11.19x | $4.17 Million |
| 2011 | 11.96% | 21.87% | 0.05x | 10.52x | $4.29 Million |
| 2012 | 10.02% | 20.81% | 0.04x | 10.97x | $46.50K |
| 2013 | 9.86% | 20.50% | 0.04x | 11.27x | $-326.60K |
| 2014 | 10.02% | 22.13% | 0.04x | 11.38x | $59.10K |
| 2015 | 5.77% | 16.80% | 0.03x | 10.21x | $-15.37 Million |
| 2016 | 10.23% | 24.22% | 0.04x | 9.87x | $912.30K |
| 2017 | 7.06% | 16.56% | 0.04x | 10.08x | $-11.87 Million |
| 2018 | 12.18% | 28.48% | 0.04x | 9.86x | $9.49 Million |
| 2019 | 12.08% | 27.63% | 0.05x | 9.36x | $9.86 Million |
| 2020 | 11.24% | 29.17% | 0.04x | 9.25x | $6.55 Million |
| 2021 | 12.75% | 35.59% | 0.04x | 10.16x | $14.88 Million |
| 2022 | 13.61% | 29.41% | 0.04x | 12.57x | $16.31 Million |
| 2023 | 8.76% | 19.18% | 0.04x | 11.54x | $-6.12 Million |
| 2024 | 9.98% | 18.29% | 0.05x | 10.93x | $-119.10K |
| 2025 | 9.35% | 17.74% | 0.05x | 10.01x | $-4.50 Million |
Industry Comparison
This section compares Camden National Corporation's net assets metrics with peer companies in the Banks - Regional industry.
Industry Context
- Industry: Banks - Regional
- Average net assets among peers: $827,160,500
- Average return on equity (ROE) among peers: 10.21%
Peer Company Comparison
| Company | Net Assets | Return on Equity | Debt-to-Equity | Market Cap |
|---|---|---|---|---|
| Camden National Corporation (CAC) | $696.56 Million | 14.03% | 9.01x | $829.12 Million |
| Ameris Bancorp (ABCB) | $68.20 Million | 10.85% | 9.15x | $4.95 Billion |
| Ameris Bancorp (ABCB) | $3.75 Billion | 9.56% | 6.00x | $5.70 Billion |
| ACNB Corporation (ACNB) | $62.69 Million | 13.30% | 9.05x | $483.21 Million |
| Affinity Bancshares Inc (AFBI) | $45.08 Million | 2.57% | 4.16x | $135.98 Million |
| Alerus Financial Corp (ALRS) | $76.88 Million | 9.28% | 8.37x | $647.19 Million |
| Amalgamated Bank (AMAL) | $707.65 Million | 15.04% | 10.67x | $1.14 Billion |
| Amerant Bancorp Inc. (AMTB) | $844.92 Million | 6.08% | 8.45x | $962.39 Million |
| Arrow Financial Corporation (AROW) | $371.19 Million | 13.43% | 9.85x | $601.02 Million |
| Associated Banc-Corp (ASB) | $2.25 Billion | 14.10% | 8.29x | $5.20 Billion |
| AmeriServ Financial Inc (ASRV) | $97.98 Million | 7.93% | 10.85x | $62.60 Million |
About Camden National Corporation
Camden National Corporation operates as the bank holding company for Camden National Bank that provides various commercial and consumer banking products and services for consumer, institutional, municipal, non-profit, and commercial customers in the United States. The company accepts checking, savings, time, and brokered deposits, as well as deposits with the certificate of deposit account regist… Read more