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Camden National (CAC) investor relations material
Camden National Q3 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Executive summary
Achieved record third-quarter net income of $21.2 million and diluted EPS of $1.25, both up 51% sequentially, driven by successful Northway Financial integration, organic growth, and cost synergies.
Return on average assets was 1.21%, return on average equity 12.75%, and return on average tangible equity reached 19.14%.
Tangible book value increased 6% to $28.42 per share, and book value per share rose 4% to $39.97.
Net interest margin expanded by 10 basis points to 3.16%, with net interest income up 4% to $51.3 million.
Robust annualized loan growth of 4%, with commercial real estate and home equity portfolios up 4% and 5% respectively.
Financial highlights
Net income of $21.2 million and diluted EPS of $1.25, both up 51% from Q2 2025.
Pre-tax, pre-provision income of $29.5 million, up 19% sequentially.
Non-interest income reached $14.1 million, up 8% from Q2, with gains from property sales and strong fee income growth.
Non-interest expense decreased 4% to $35.9 million, reflecting lower M&A costs and realized synergies.
Deposits declined 2% to $5.4 billion, but average core deposits (excluding brokered) grew 2% due to seasonal inflows.
Outlook and guidance
Expecting Q4 non-interest expense of $36–$36.5 million, with annual expense growth of 3–4% projected for 2026.
Margin expansion of 5–10 basis points anticipated in Q4, mainly from lower funding costs.
Loan growth guidance for Q4 is flat to up 2%, with mid-single-digit growth targeted for 2026.
Fee income momentum expected to continue, especially in brokerage and wealth management.
Management expects continued growth and value creation following the Northway acquisition, with a focus on core franchise strength.
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