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Camden National (CAC) Q1 Earnings: Taking a Look at Key Metrics Versus Estimates

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Camden National (CAC - Free Report) reported $60.05 million in revenue for the quarter ended March 2025, representing a year-over-year increase of 44.4%. EPS of $0.95 for the same period compares to $0.86 a year ago.

The reported revenue represents a surprise of +5.06% over the Zacks Consensus Estimate of $57.16 million. With the consensus EPS estimate being $0.99, the EPS surprise was -4.04%.

While investors scrutinize revenue and earnings changes year-over-year and how they compare with Wall Street expectations to determine their next move, some key metrics always offer a more accurate picture of a company's financial health.

Since these metrics play a crucial role in driving the top- and bottom-line numbers, comparing them with the year-ago numbers and what analysts estimated about them helps investors better project a stock's price performance.

Here is how Camden National performed in the just reported quarter in terms of the metrics most widely monitored and projected by Wall Street analysts:

  • Net interest margin (fully-taxable equivalent): 3% versus the two-analyst average estimate of 2.9%.
  • Annualized net charge-offs to average loans: 0.1% versus 0% estimated by two analysts on average.
  • Average Balance - Total interest-earning assets: $6.42 billion versus the two-analyst average estimate of $6.44 billion.
  • Efficiency Ratio (GAAP): 74% versus 81.9% estimated by two analysts on average.
  • Total Non-Interest Income: $11.20 million versus $11.89 million estimated by two analysts on average.
  • Net Interest Income: $48.86 million versus $45.94 million estimated by two analysts on average.
View all Key Company Metrics for Camden National here>>>

Shares of Camden National have returned +9% over the past month versus the Zacks S&P 500 composite's +11.5% change. The stock currently has a Zacks Rank #3 (Hold), indicating that it could perform in line with the broader market in the near term.

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