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Compared to Estimates, Camden National (CAC) Q1 Earnings: A Look at Key Metrics

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For the quarter ended March 2026, Camden National (CAC - Free Report) reported revenue of $64.34 million, up 7.1% over the same period last year. EPS came in at $1.29, compared to $0.95 in the year-ago quarter.

The reported revenue represents a surprise of -2.38% over the Zacks Consensus Estimate of $65.91 million. With the consensus EPS estimate being $1.26, the EPS surprise was +2.11%.

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.

As these metrics influence top- and bottom-line performance, comparing them to the year-ago numbers and what analysts estimated helps investors project a stock's price performance more accurately.

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:
  • Efficiency Ratio (GAAP): 55.5% compared to the 56.1% average estimate based on three analysts.
  • Average Balance - Total interest-earning assets: $6.46 billion versus $6.51 billion estimated by three analysts on average.
  • Net interest margin (fully-taxable equivalent): 3.2% compared to the 3.3% average estimate based on three analysts.
  • Annualized net charge-offs to average loans: 0% compared to the 0.1% average estimate based on two analysts.
  • Net Interest Income: $52.36 million versus the three-analyst average estimate of $53.4 million.
  • Total Non-Interest Income: $11.98 million compared to the $12.61 million average estimate based on three analysts.
  • Service charges on deposit accounts: $2.16 million versus the two-analyst average estimate of $2.37 million.
  • Income from fiduciary services: $2.01 million versus the two-analyst average estimate of $1.9 million.

View all Key Company Metrics for Camden National here>>>

Shares of Camden National have returned +7.2% over the past month versus the Zacks S&P 500 composite's +12.8% 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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