Expectations trend
FY2027 · fiscal year ending 2027-12-31 · fmp
Camden National Corp. (CAC)
NASDAQFinancialsBanks - RegionalSnapshot 2026-11-04
$57.92-2.75%
Close 2026-11-05 · 1-day change
NASDAQFinancialsBanks - RegionalSnapshot 2026-11-04
The long-term thesis, the evidence coming in, and the environment around it. Thesis dated Jul 8, 2026.
Next-FY EPS estimate change · 30 days
5.74 → 5.72 EPS · FY ending Dec 31, 2027 · 4 analysts
One observable signal. This measures changing earnings expectations, not the probability of a gain or loss.
Change in the same fiscal period’s mean EPS estimate from Oct 5, 2026 to Nov 4, 2026: (new ÷ prior − 1). Contributor count changed from 4 to 4; this is not the number of analysts revising. The ±10% axis is a display range.
The EPS and P/E reference is not available for CAC yet.
| Measure / period | Management expectations | Analyst expectations |
|---|
Management figures unavailable.
Current consensus figures unavailable.
4 published thesis conditions, with dated milestones shown separately.
| Key Factor | Why It Matters | Current Status | Break Condition | Latest Evidence |
|---|---|---|---|---|
Maintain quarterly dividend at $0.42 per share | Camden National keeps paying a steady dividend of $0.42 per share each quarter. | Intact | quarterly dividend falls below $0.42 per share | Dividend per share: $0.42 per share FY2026-Q2; GAAP. Published target: >=0.42 USD per share quarterly. Target period is not explicitly aligned with this observation. Aug 6, 20260.42 USD/share · source valueLast status assessment Nov 4, 2026Compare required operating outcomesCompare scope, accounting basis and period before treating this evidence as progress against an annual requirement. |
Compare these dated observations with the operating requirements above
FY2027 · fiscal year ending 2027-12-31 · fmp
The evidence, the remaining questions, and what comes next
No recovery evidence is reported in the available driver assessments.
Observed price history; separate from operating scenarios
The weekly editorial context below is a separate assessment from the dated monitor evidence above. Recovery observations do not automatically change the published thesis. Unverified outside influences are hypotheses, not measured driver evidence.
CAC is a regional financial business with a performance-led, moderately cyclical thesis rather than a clear turnaround. The long-term thesis is intact, with recent results strong and momentum improving, but earnings quality remains fragile and management execution is mixed overall.
Valuation is tagged as stretched, and CAC trades at a modest premium to peers. The expectations gap is small and valuation has eased recently, so the evidence suggests limited room for disappointment without implying that strong results are fully priced in.
Near term, recent earnings beats, deposit growth, and a better efficiency ratio point to continued operating progress; deposits rose in the third quarter while total loans were roughly unchanged from a year earlier. The next call is a key risk, since a guidance cut could lead analysts to lower estimates; the stated near-term miss risk is low, but the smaller company has a history of a deep miss.
Over the next one to three years, the thesis hinges on sustaining deposit growth, disciplined expenses, and broader growth while loan levels remain nearly flat year over year. In the near term, guidance and interest-rate conditions matter, while continued strength from financial-sector peers could support sector momentum.
For the one-to-three-year view, CAC shows improving execution and an intact thesis, but fragile earnings quality and stretched valuation make continued delivery important. Not investment advice.
Not investment advice. Scores describe historical and current data; they are not forecasts of future returns. Consult a licensed advisor before making investment decisions.
Stated in 2 of 3 supplied quarters. Management reported: “With record earnings through the first nine months of the year and a stronger balance sheet, we are confident that we are well positioned to deliver sustained earnings growth and long-term shareholder value.”” “We enter the second half of the year with confidence in our strategy, disciplined execution, and a continued commitment to creating long-term value for our shareholders.””
Achieve EPS of at least $4.39 in 2026 | A primary condition in Camden National Corp.'s published investment case. The stated target is >=4.39 USD per share. | Intact | EPS guidance falls below $4.39 for 2026 | Diluted EPS: $1.35 per share FY2026-Q2; GAAP. Published target: >=4.39 USD per share. Annual target cannot be compared with a quarterly or TTM observation. Aug 6, 20261.35 USD/share · source valueLast status assessment Nov 4, 2026Compare required operating outcomesCompare scope, accounting basis and period before treating this evidence as progress against an annual requirement. |
Limit revenue decline to no worse than -5% in next 12 months | A supporting condition in Camden National Corp.'s published investment case. The stated target is >=-5% YoY revenue growth. | Improving | revenue decline exceeds -5% YoY | Direct metric needs a verified mapping The published measure or accounting basis is not supported by an exact source binding. Date unavailableLast status assessment Nov 4, 2026Compare required operating outcomesCompare scope, accounting basis and period before treating this evidence as progress against an annual requirement. |
Complete share buyback of up to 850,000 shares (~5% of shares) | It has a share buyback plan for up to 5% of shares. | Intact | buyback program is canceled or materially reduced | Required source inputs unavailable Cannot calculate Share repurchases from the available matching source inputs. Missing inputs are not treated as zero. Date unavailableLast status assessment Nov 4, 2026Compare required operating outcomesCompare scope, accounting basis and period before treating this evidence as progress against an annual requirement. |
Stored thesis · Jul 8, 2026. Latest Evidence uses source-matched measurements where available, alongside the last thesis-monitor assessment. Source periods and assessment dates are shown separately. A new measurement does not automatically change the published status or verify an older target.
$5.76 → $5.72 · observed estimates
$0.29B → $0.28B · observed estimates
One fiscal period and provider throughout. At least five contributors are required for each plotted metric; missing coverage stays a gap. Axes show the observed range. Counts measure coverage, not revisions.
| Snapshot | EPS | Revenue | EPS / revenue analysts |
|---|---|---|---|
| 2026-07-24 | $5.76 | $288,350,000 | 4 / 2 |
| 2026-07-25 | $5.76 | $288,350,000 | 4 / 2 |
| 2026-07-26 | $5.76 | $288,350,000 | 4 / 2 |
| 2026-07-27 | $5.76 | $288,350,000 | 4 / 2 |
| 2026-07-28 | $5.76 | $288,350,000 | 4 / 2 |
| 2026-07-29 | $5.76 | $288,450,000 | 4 / 2 |
| 2026-07-30 | $5.76 | $288,450,000 | 4 / 2 |
| 2026-07-31 | $5.81 | $286,491,333 | 3 / 2 |
| 2026-08-01 | $5.79 | $287,450,000 | 4 / 2 |
| 2026-08-02 | $5.79 | $287,450,000 | 4 / 2 |
| 2026-08-03 | $5.83 | $287,450,000 | 4 / 2 |
| 2026-08-04 | $5.83 | $287,450,000 | 4 / 2 |
| 2026-08-05 | $5.83 | $287,450,000 | 4 / 2 |
| 2026-08-06 | $5.83 | $287,450,000 | 4 / 2 |
| 2026-08-07 | $5.85 | $286,491,333 | 3 / 2 |
| 2026-08-08 | $5.83 | $287,450,000 | 4 / 2 |
| 2026-08-09 | $5.83 | $287,450,000 | 4 / 2 |
| 2026-08-10 | $5.83 | $287,450,000 | 4 / 2 |
| 2026-08-11 | $5.85 | $286,491,333 | 3 / 2 |
| 2026-08-12 | $5.85 | $286,491,333 | 3 / 2 |
| 2026-08-13 | $5.85 | $286,491,333 | 3 / 2 |
| 2026-08-14 | $5.85 | $286,491,333 | 3 / 2 |
| 2026-08-15 | $5.85 | $286,491,333 | 3 / 2 |
| 2026-08-16 | $5.85 | $286,491,333 | 3 / 2 |
| 2026-08-17 | $5.85 | $286,491,333 | 3 / 2 |
| 2026-08-18 | $5.85 | $286,491,333 | 3 / 2 |
| 2026-08-19 | $5.85 | $286,491,333 | 3 / 2 |
| 2026-08-20 | $5.80 | $284,924,667 | 3 / 2 |
| 2026-08-21 | $5.80 | $284,924,667 | 3 / 2 |
| 2026-08-22 | $5.80 | $284,924,667 | 3 / 2 |
| 2026-08-23 | $5.80 | $284,924,667 | 3 / 2 |
| 2026-08-24 | $5.80 | $284,924,667 | 3 / 2 |
| 2026-08-25 | $5.80 | $284,924,667 | 3 / 2 |
| 2026-08-26 | $5.80 | $284,924,667 | 3 / 2 |
| 2026-08-27 | $5.80 | $284,924,667 | 3 / 2 |
| 2026-08-28 | $5.80 | $284,924,667 | 3 / 2 |
| 2026-08-29 | $5.80 | $284,924,667 | 3 / 2 |
| 2026-08-30 | $5.80 | $284,924,667 | 3 / 2 |
| 2026-08-31 | $5.80 | $284,924,667 | 3 / 2 |
| 2026-09-01 | $5.80 | $284,924,667 | 3 / 2 |
| 2026-09-02 | $5.80 | $284,924,667 | 3 / 2 |
| 2026-09-03 | $5.80 | $284,924,667 | 3 / 2 |
| 2026-09-04 | $5.80 | $284,924,667 | 3 / 2 |
| 2026-09-05 | $5.80 | $284,924,667 | 3 / 2 |
| 2026-09-06 | $5.80 | $284,924,667 | 3 / 2 |
| 2026-09-07 | $5.80 | $284,924,667 | 3 / 2 |
| 2026-09-08 | $5.80 | $284,924,667 | 3 / 2 |
| 2026-09-09 | $5.80 | $284,924,667 | 3 / 2 |
| 2026-09-10 | $5.80 | $284,924,667 | 3 / 2 |
| 2026-09-11 | $5.80 | $284,924,667 | 3 / 2 |
| 2026-09-12 | $5.80 | $284,924,667 | 3 / 2 |
| 2026-09-13 | $5.80 | $284,924,667 | 3 / 2 |
| 2026-09-14 | $5.80 | $284,924,667 | 3 / 2 |
| 2026-09-15 | $5.80 | $284,924,667 | 3 / 2 |
| 2026-09-16 | $5.76 | $283,943,500 | 3 / 2 |
| 2026-09-17 | $5.76 | $283,943,500 | 4 / 2 |
| 2026-09-18 | $5.76 | $283,943,500 | 4 / 2 |
| 2026-09-19 | $5.76 | $283,943,500 | 4 / 2 |
| 2026-09-20 | $5.76 | $283,943,500 | 4 / 2 |
| 2026-09-21 | $5.76 | $283,943,500 | 4 / 2 |
| 2026-09-22 | $5.76 | $283,943,500 | 4 / 2 |
| 2026-09-23 | $5.76 | $283,943,500 | 4 / 2 |
| 2026-09-24 | $5.74 | $283,243,500 | 4 / 2 |
| 2026-09-25 | $5.74 | $283,243,500 | 4 / 2 |
| 2026-09-26 | $5.74 | $283,243,500 | 4 / 3 |
| 2026-09-27 | $5.74 | $283,243,500 | 4 / 3 |
| 2026-09-28 | $5.74 | $283,243,500 | 4 / 3 |
| 2026-09-29 | $5.74 | $283,243,500 | 4 / 3 |
| 2026-09-30 | $5.74 | $283,243,500 | 4 / 3 |
| 2026-10-01 | $5.74 | $283,243,500 | 4 / 3 |
| 2026-10-02 | $5.74 | $283,243,500 | 4 / 3 |
| 2026-10-03 | $5.74 | $283,243,500 | 4 / 3 |
| 2026-10-04 | $5.74 | $283,243,500 | 4 / 3 |
| 2026-10-05 | $5.74 | $283,243,500 | 4 / 3 |
| 2026-10-06 | $5.74 | $283,243,500 | 4 / 3 |
| 2026-10-07 | $5.74 | $283,243,500 | 4 / 3 |
| 2026-10-08 | $5.74 | $283,243,500 | 4 / 3 |
| 2026-10-09 | $5.74 | $283,267,750 | 4 / 3 |
| 2026-10-10 | $5.74 | $283,267,750 | 4 / 3 |
| 2026-10-11 | $5.74 | $283,267,750 | 4 / 3 |
| 2026-10-12 | $5.74 | $283,267,750 | 4 / 3 |
| 2026-10-13 | $5.74 | $283,267,750 | 4 / 3 |
| 2026-10-14 | $5.74 | $283,267,750 | 4 / 3 |
| 2026-10-15 | $5.74 | $283,267,750 | 4 / 3 |
| 2026-10-16 | $5.74 | $283,267,750 | 4 / 3 |
| 2026-10-17 | $5.74 | $283,267,750 | 4 / 3 |
| 2026-10-18 | $5.74 | $283,267,750 | 4 / 3 |
| 2026-10-19 | $5.74 | $283,267,750 | 4 / 3 |
| 2026-10-20 | $5.74 | $283,267,750 | 4 / 3 |
| 2026-10-21 | $5.74 | $283,267,750 | 4 / 3 |
| 2026-10-22 | $5.74 | $283,267,750 | 4 / 3 |
| 2026-10-23 | $5.74 | $283,267,750 | 4 / 3 |
| 2026-10-24 | $5.74 | $283,267,750 | 4 / 3 |
| 2026-10-25 | $5.74 | $283,267,750 | 4 / 3 |
| 2026-10-26 | $5.74 | $283,267,750 | 4 / 3 |
| 2026-10-27 | $5.74 | $283,267,750 | 4 / 3 |
| 2026-10-28 | $5.76 | $283,493,250 | 4 / 3 |
| 2026-10-29 | $5.72 | $282,493,250 | 4 / 3 |
| 2026-10-30 | $5.72 | $282,493,250 | 4 / 3 |
| 2026-10-31 | $5.72 | $282,493,250 | 4 / 3 |
| 2026-11-01 | $5.72 | $282,493,250 | 4 / 3 |
| 2026-11-02 | $5.72 | $282,493,250 | 4 / 3 |
| 2026-11-03 | $5.72 | $282,493,250 | 4 / 3 |
| 2026-11-04 | $5.72 | $282,493,250 | 4 / 3 |
Revenue and EPS estimates track expectations. They are not delivered results or like-for-like proof of a required annual path.
Latest: 1 Buy / Strong Buy · 4 Hold · 0 Sell / Strong Sell
Recent actions · Oct 6–Nov 4 · 0 recorded
0 raises · 1 cuts · 0 unchanged · 0 without a comparable prior
Oct 6, 2026–Nov 4, 2026. Each firm's latest positive target is paired only with its immediately prior positive target from the same provider, at most 180 days earlier. Unmatched observations have one dot; conflicting observations are not compared.
Next earnings date unavailable
Look for updated results and guidance against the published targets, plus direct evidence for unresolved drivers.
Review earnings4 of 4 published conditions remain under pressure or need verification. The next results need to address those conditions.
The dated weekly assessment and its assumptions are available in Read detailed Outlook.