---
schema_version: "secwatch.filing_event.v1"
accession: "0000750686-26-000006"
form_type: "8-K"
ticker: "CAC"
cik: "0000750686"
company_name: "CAMDEN NATIONAL CORP"
filed_at: "2026-01-27T23:59:59+00:00"
generated_at: "2026-05-16T07:43:22.899376+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.75
calibrated_materiality_score: 0.75
confidence: "high"
source: SEC EDGAR
---

# Camden National Q4 2025 record net income $22.6M, diluted EPS $1.33, both up 6% QoQ

## Summary
- 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.

## SEC filing metadata
- accession: 0000750686-26-000006
- form_type: 8-K
- ticker: CAC
- cik: 0000750686
- company_name: CAMDEN NATIONAL CORP
- filed_at: 2026-01-27T23:59:59+00:00
- event_type: earnings
- sentiment: positive
- materiality_score: 0.75
- calibrated_materiality_score: 0.75
- confidence: high
- sec_items: 2.02, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/750686/000075068626000006/0000750686-26-000006-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/750686/000075068626000006/cac-20260127.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000750686-26-000006
- JSON: https://secwatch.observer/filing/0000750686-26-000006.json
- Plain text: https://secwatch.observer/filing/0000750686-26-000006.txt

This AI-assisted summary is a reading aid. Review the linked SEC EDGAR filing before relying on any specific claim.