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Camden National (CAC) Q3 Earnings: Taking a Look at Key Metrics Versus Estimates

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For the quarter ended September 2026, Camden National (CAC - Free Report) reported revenue of $68.67 million, up 5% over the same period last year. EPS came in at $1.34, compared to $1.24 in the year-ago quarter.

The reported revenue represents a surprise of +1.08% over the Zacks Consensus Estimate of $67.93 million. With the consensus EPS estimate being $1.32, the EPS surprise was +1.52%.

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:
  • Net interest margin (fully-taxable equivalent): 3.4% compared to the 3.3% average estimate based on three analysts.
  • Net charge-offs to average loans (annualized): 0.1% versus 0.1% estimated by three analysts on average.
  • Average Balance - Total interest-earning assets: $6.46 billion versus the three-analyst average estimate of $6.5 billion.
  • Efficiency Ratio (GAAP): 54.6% compared to the 54.9% average estimate based on three analysts.
  • Total Non-Interest Income: $13.25 million versus the three-analyst average estimate of $13.71 million.
  • Net Interest Income: $55.42 million compared to the $54 million average estimate based on two analysts.

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

Shares of Camden National have returned +1.9% over the past month versus the Zacks S&P 500 composite's -0.8% 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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