Inferra AIResearch Tools

Inferra AI / Company / CAC

Camden National Corp

CAC · Financials

Last earnings Oct 27, 2026

Key results

National Reports Record net incomequarter

$21.2 Million

Camden National Reports Record Net Income of $21.2 Million for the

SEC original ↗Camden National Corp — Earnings release (8-K exhibit)EX-99Oct 28, 2025

EPSquarter

$1.25

We are proud to report record third quarter earnings of $21.2 million, setting a new highwater mark for the organization, and diluted earnings per share of $1.25, marking our strongest quarterly performance since 2021, said Simon Griffiths, President and Chief Executive Officer of Camden National.

SEC original ↗Camden National Corp — Earnings release (8-K exhibit)EX-99Oct 28, 2025

Net incomequarter

$21.2 million

THIRD QUARTER 2025 HIGHLIGHTS Net income for the third quarter of 2025 totaled $21.2 million, an increase of 51% over the second quarter of 2025, and, on a non-GAAP basis, pre-tax, pre-provision income increased 19% over the same period to $29.5 million for the third quarter of 2025.

SEC original ↗Camden National Corp — Earnings release (8-K exhibit)EX-99Oct 28, 2025

Regulatory assessments 1,020 1,127 784 (9) % 30 % Consulting and professional fees 810 1,310 788 (38) % 3 % Merger and acquisition costs 315 1,405 727 (78) % (57) % Other real estate owned and collection costs, net 46 91 94 (49) % (51) % Other expenses 3,590 4,086 2,987 (12) % 20 % Total non-interest expense 35,927 37,596 28,900 (4) % 24 % Income before income tax expense 26,498 17,760 15,854 49 % 67 % Income Tax Expense 5,304 3,679 2,781 44 % 91 % Net Income $ 21,194 $ 14,081 $ 13,073 51 % 62 % Per Share Data Basic earnings per share $ 1.25 $ 0.84 $ 0.90 49 % 39 % Diluted earnings per share $ 1.25 $ 0.83 $ 0.90 51 % 39 % N.

SEC original ↗Camden National Corp — Earnings release (8-K exhibit)EX-99Oct 28, 2025

Consulting and professional fees 3,618 2,797 29 % Regulatory assessments 3,133 2,454 28 % Other real estate owned and collection costs, net 227 151 50 % Other expenses 10,858 8,338 30 % Total non-interest expense 117,974 83,572 41 % Income before income tax expense 50,432 47,058 7 % Income Tax Expense 7,831 8,720 (10) % Net Income $ 42,601 $ 38,338 11 % Per Share Data Basic earnings per share $ 2.52 $ 2.63 (4) % Diluted earnings per share $ 2.51 $ 2.62 (4) % N.

SEC original ↗Camden National Corp — Earnings release (8-K exhibit)EX-99Oct 28, 2025

AI analysis

Q3 2025 · reported Oct 28, 2025

Based on: Earnings release + parent 8-K — transcript not held

EPS · Q3 2025
$1.25
EX-99 · Oct 28, 2025
National Reports Record net income · Q3 2025
$21.2M
EX-99 · Oct 28, 2025
Net income · Q3 2025
$21.2M
EX-99 · Oct 28, 2025

Headline figures

MetricQ3 2025Prior qtrYear ago
National Reports Record net income$21.2 Million——
EPS$1.25——
Net income$21.2 million——

EX-99 · Oct 28, 2025

Guidance · company-stated

No guidance located in the held release

Next earningsNo verified date on fileNo date is estimated or imported

Capital allocation

Dividend$0.42

The Company announced a cash dividend of $0.42 per share, representing an annualized dividend yield of 4.35%, based on the Company's closing share price of $38.59 as reported by NASDAQ on September 30, 2025.

General educational research only — not investment advice.Every figure is as stated in the held documents; values marked “computed from stated figures” are arithmetic on those stated figures. Guidance shown is the company’s own stated guidance. No price targets, no recommendations, no consensus estimates.

Event summary

These financial results reflect the strength and resilience of our core franchise and mark a pivotal moment for the organization

Based on: Earnings release + parent 8-K — transcript not held

Guidance & outlook

No guidance located in the held release

Capital allocation

The Company announced a cash dividend of $0.42 per share, representing an annualized dividend yield of 4.35%, based on the Company's closing share price of $38.59 as reported by NASDAQ on September 30, 2025.

SEC original ↗Camden National Corp — Earnings release (8-K exhibit)EX-99Oct 28, 2025

The dividend will be payable on October 31, 2025, to shareholders of record on October 15, 2025.

SEC original ↗Camden National Corp — Earnings release (8-K exhibit)EX-99Oct 28, 2025

Factors that could cause actual results to differ materially from the forward-looking statements include the reaction to the transaction of the Company s customers, employees and counterparties customer disintermediation expected synergies, cost savings and other financial benefits of the transaction might not be realized within the expected timeframes or might be less than projected and credit and interest rate risks associated with Camden s and Northway s respective businesses, customers, borrowings, repayment, investment and deposit practices.

SEC original ↗Camden National Corp — Earnings release (8-K exhibit)EX-99Oct 28, 2025

Sep 2024 Interest Income Interest and fees on loans $ 69,070 $ 67,477 $ 55,484 2 % 24 % Taxable interest on investments 10,314 10,257 6,622 1 % 56 % Nontaxable interest on investments 456 455 462 % (1) % Dividend income 470 493 389 (5) % 21 % Other interest income 584 641 764 (9) % (24) % Total interest income 80,894 79,323 63,721 2 % 27 % Interest Expense Interest on deposits 24,719 24,594 25,051 1 % (1) % Interest on borrowings 4,039 4,620 4,549 (13) % (11) % Interest on junior subordinated debentures 864 900 534 (4) % 62 % Total interest expense 29,622 30,114 30,134 (2) % (2) % Net interest income 51,272 49,209 33,587 4 % 53 % Provision for credit losses 2,972 6,920 239 (57) % N.

SEC original ↗Camden National Corp — Earnings release (8-K exhibit)EX-99Oct 28, 2025

Sep 2024 Interest Income Interest and fees on loans $ 203,096 $ 160,615 26 % Taxable interest on investments 30,343 20,456 48 % Nontaxable interest on investments 1,379 1,388 (1) % Dividend income 1,483 1,222 21 % Other interest income 2,311 2,385 (3) % Total interest income 238,612 186,066 28 % Interest Expense Interest on deposits 73,934 72,398 2 % Interest on borrowings 12,677 15,032 (16) % Interest on junior subordinated debentures 2,662 1,592 67 % Total interest expense 89,273 89,022 % Net interest income 149,339 97,044 54 % Provision (credit) for credit losses 19,321 (1,213) N.

SEC original ↗Camden National Corp — Earnings release (8-K exhibit)EX-99Oct 28, 2025

(3) Recognized $132,000 and $394,000 million of amortization expense on time deposits and borrowings from purchase accounting for the three and nine months ended September 30, 2025, respectively, and $131,000 for the three months ended June 30, 2025.

SEC original ↗Camden National Corp — Earnings release (8-K exhibit)EX-99Oct 28, 2025

Strategy & priorities

This growth was driven by net interest margin expansion of 10 basis points and average loan growth of 1% during the third quarter of 2025.

SEC original ↗Camden National Corp — Earnings release (8-K exhibit)EX-99Oct 28, 2025

Documents

Earnings deck slides

0 decks with slide view

Camden National Corp — Presentation / slide deck (8-K exhibit) — Slide view unavailable — this deck was filed as a web document, whose text has no page boundaries.

Camden National Corp — Presentation / slide deck (8-K exhibit) — Slide view unavailable — this deck was filed as a web document, whose text has no page boundaries.

Competitors

Competitors & peers

Same GICS sector — classification peers, not declared competitors

Arthur J. Gallagher & Co. (AJG) FinancialsSun Life Financial (SLF) FinancialsRaymond James Financial (RJF) FinancialsAflac (AFL) FinancialsING Group (ING) FinancialsNorthern Trust (NTRS) FinancialsCincinnati Financial (CINF) FinancialsCoinbase (COIN) Financials

Filings

32 documents

Earnings releases

11 documents

Presentations

2 documents

Transcripts

0 documents

No transcripts for Camden National Corp are held in this edition of the library.

Mentioned by

7 companies

Other tracked companies whose held documents mention Camden National Corp by name or ticker. A mention is counted once per document, from the document text the library holds.

See also the earnings calendar for every tracked company’s next earnings date.