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Dec 31, 2025
Camden National Q4 2025 Earnings Report
Camden National Corporation reported record-breaking quarterly performance with net income of $22.6 million and diluted EPS of $1.33 for the fourth quarter of 2025.
Key Takeaways
Camden National Corporation achieved record-breaking quarterly performance in Q4 2025, with net income reaching $22.6 million and diluted EPS of $1.33, both increasing 6% over the previous quarter. The company's net interest margin expanded to 3.29%, and its balance sheet remained strong with favorable credit metrics. Total assets grew 20% year-over-year, primarily due to the Northway Financial acquisition.
Net income for Q4 2025 was $22.6 million, a 6% increase over Q3 2025.
Diluted EPS for Q4 2025 was $1.33, also a 6% increase compared to Q3 2025.
Net interest margin expanded by 13 basis points to 3.29% in Q4 2025, driven by reduced funding costs.
Total assets reached $7.0 billion as of December 31, 2025, reflecting a 20% growth year-over-year, largely due to the Northway Financial acquisition.
Revenue by Segment
Forward Guidance
The company is confident in its strategy to build the premier community bank in Northern New England, with strong 2025 financial results providing a powerful foundation for future growth and opportunities. A new share repurchase program was announced, and the company continues to focus on disciplined expense management and strategic initiatives.
Positive Outlook
- Strong 2025 financial results provide a powerful foundation for future growth.
- Confidence in strategy to build the premier community bank in Northern New England.
- Announcement of a new share repurchase program for up to 850,000 shares.
- Continued disciplined expense management.
- Strategic initiatives and continued expansion of net interest margin.
Challenges Ahead
- Potential for increased competitive pressures.
- Risks associated with inflation.
- Ongoing competition in labor markets and employee turnover.
Historical Earnings Impact
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Avg. Return Before/After Earnings
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