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Dec 31, 2021

Camden National Q4 2021 Earnings Report

Camden National Corporation reported fourth quarter and year end financial results.

Key Takeaways

Camden National Corporation reported a net income of $16.5 million for the fourth quarter of 2021, an increase of 13% over the third quarter of 2021. The diluted EPS was $1.11, an increase of 14% over the third quarter of 2021.

Net income increased by $1.9 million, or 13%, over the third quarter of 2021, and decreased $1.8 million, or 10%, compared to the fourth quarter of 2020.

Loans grew $116.2 million, or 4%, during the fourth quarter of 2021, and $162.2 million, or 5%, excluding SBA PPP loans.

Residential mortgage loan originations reached a new record in 2021 with $1.1 billion of volume, an increase of 5% over the previous record set just last year.

Fourth quarter 2021 dividend payable to shareholders increased $0.04, or 11%, to $0.40 per share, and was the Company's second dividend increase during 2021 for a total of $0.07 per share, or 21%.

Total Revenue
$48.9M
Previous year: $49.8M
-1.8%
EPS
$1.11
Previous year: $1.22
-9.0%
GAAP Efficiency Ratio
55.15%
Common Equity Ratio
9.84%
Previous year: 10.81%
-9.0%
Net Interest Margin
2.82%
Previous year: 3.06%
-7.8%
Gross Profit
$47.8M
Previous year: $48.8M
-2.2%
Cash and Equivalents
$221M
Previous year: $146M
+51.3%
Free Cash Flow
$30.8M
Previous year: $23.8M
+29.1%
Total Assets
$5.5B
Previous year: $4.9B
+12.3%

Camden National

Camden National

Forward Guidance

Camden National will host a conference call and webcast at 3:00 p.m., Eastern Time, on Tuesday, January 25, 2022 to discuss its fourth quarter and year ended 2021 financial results and outlook.