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Sep 30, 2023

Camden National Q3 2023 Earnings Report

Camden National's Q3 2023 financial results were reported, with net income of $9.8 million and diluted EPS of $0.67.

Key Takeaways

Camden National Corporation reported a net income of $9.8 million and diluted earnings per share of $0.67 for Q3 2023. These results reflect a 21% decrease compared to the previous quarter, influenced by a $5.3 million pre-tax loss from the sale of investment securities. Excluding this loss, adjusted net income increased by 13% over Q2 2023.

Net income decreased by 21% compared to Q2 2023, primarily due to a strategic balance sheet repositioning.

Excluding the investment loss, adjusted net income increased by 13% compared to the second quarter.

Asset quality remained strong, with non-performing assets totaling 0.11% of total assets.

The company executed an investment restructure strategy that repositions it for the future.

Total Revenue
$37.7M
Previous year: $47.8M
-21.2%
EPS
$0.67
Previous year: $0.97
-30.9%
Return on Average Assets
0.68%
Return on Average Equity
8.25%
Previous year: 12.5%
-34.0%
GAAP Efficiency Ratio
69.6%
Previous year: 56.71%
+22.7%
Gross Profit
$57.7M
Previous year: $46.6M
+23.9%
Cash and Equivalents
$212M
Previous year: $82M
+157.9%
Free Cash Flow
$45.2M
Previous year: $14.8M
+205.6%
Total Assets
$5.78B
Previous year: $5.55B
+4.1%

Camden National

Camden National

Forward Guidance

Camden National will host a conference call and webcast at 3:00 p.m., Eastern Time, on Tuesday, October 31, 2023 to discuss its third quarter 2023 financial results and outlook.