earnings
confidence high
sentiment positive
materiality 0.75
Camden National Q4 2025 record net income $22.6M, diluted EPS $1.33, both up 6% QoQ
CAMDEN NATIONAL CORP
2025-FY EPS
reported $3.84
vs consensus $1.33
▲ beat
(+188.2%)
- Full-year 2025 net income $65.2M, diluted EPS $3.84 (up 23% and 6% YoY); adjusted net income $74.4M, adj. EPS $4.39.
- Net interest margin expanded 13 bps QoQ to 3.29%; core NIM up 10 bps to 2.92%; GAAP efficiency ratio 54.16%.
- Non-GAAP efficiency ratio improved to 51.69%; book value per share $41.16, tangible book value $29.69.
- New share repurchase program authorized for up to 850k shares (~5% of outstanding); quarterly dividend $0.42/share.
- Asset quality strong: non-performing assets 0.10% of total assets, ACL coverage 6.4x non-performing loans.