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Mar 31, 2021

Camden National Q1 2021 Earnings Report

Camden National reported record net income and increased earnings per share compared to the previous year and quarter.

Key Takeaways

Camden National Corporation reported a record net income of $19.7 million for the first quarter of 2021, a 46% increase year-over-year, with diluted earnings per share of $1.31, a 47% increase year-over-year. The company's strong financial results led to a return on average equity of 15.00% and a return on average tangible equity (non-GAAP) of 18.47% for the first quarter of 2021.

Net income increased by $6.2 million, or 46%, over the first quarter of 2020 and by $1.5 million, or 8%, over the fourth quarter of 2020.

Pre-tax, pre-provision earnings (non-GAAP) increased $4.0 million, or 21%, over the first quarter of 2020 and decreased $420,000, or 2%, from the fourth quarter of 2020.

Loans grew 1% during the first quarter of 2021 to $3.2 billion at March 31, 2021.

Announced an increase in the quarterly cash dividend to shareholders of 9% to $0.36, payable on April 30, 2021 to shareholders of record on April 15, 2021.

Total Revenue
$47.6M
Previous year: $43.2M
+10.1%
EPS
$1.31
Previous year: $0.89
+47.2%
Return on Average Assets
1.62%
Previous year: 1.21%
+33.9%
Return on Average Equity
15%
Previous year: 11.3%
+32.7%
GAAP Efficiency Ratio
52.33%
Previous year: 56.82%
-7.9%
Gross Profit
$46.6M
Previous year: $42.3M
+10.2%
Cash and Equivalents
$368M
Previous year: $54.2M
+579.3%
Free Cash Flow
$61.7M
Previous year: -$34.3M
-280.1%
Total Assets
$5.09B
Previous year: $4.59B
+10.8%

Camden National

Camden National

Camden National Revenue by Segment

Forward Guidance

Camden National has scheduled its annual meeting of shareholders for Tuesday, April 27, 2021, at 3:00 p.m. Eastern time. Due to the ongoing concerns regarding the public health impact of COVID-19, the Company will hold its annual meeting both in person and virtually via live audio webcast.

Revenue & Expenses

Visualization of income flow from segment revenue to net income