3LR Stock Chart & Stats
€43.20
-€0.20(-0.50%)
At close: 4:00 PM EST
€43.20
-€0.20(-0.50%)
Day’s Range― - ―
52-Week Range€29.80 - €48.60
Previous CloseN/A
Volume0.00
Average Volume (3M)0.00
Market Cap
€795.95M
Enterprise Value€1.41B
Total Cash (Recent Filing)€62.46M
Total Debt (Recent Filing)€602.73M
Price to Earnings (P/E)11.4
Beta0.62
Next Earnings
Jul 28, 2026EPS Estimate
1.13Next Dividend Ex-DateN/A
Dividend YieldN/A
Share Statistics
EPS (TTM)4.71
Shares Outstanding16,914,680
10 Day Avg. Volume0
30 Day Avg. Volume0
Financial Highlights & Ratios
PEG Ratio1.86
Price to Book (P/B)1.05
Price to Sales (P/S)1.99
P/FCF Ratio12.55
Enterprise Value/Market CapN/A
Enterprise Value/RevenueN/A
Enterprise Value/Gross ProfitN/A
Enterprise Value/EbitdaN/A
Forecast
1Y Price Target
€47.25Price Target Upside9.37% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering2
EPS Forecast (FY)4.69
Revenue Forecast (FY)€236.84M
Bulls Say, Bears Say
Bulls Say
Strong Free Cash Flow GenerationTTM free cash flow near 95% of net income with ~36% growth signals durable internal funding. Strong FCF underpins shareholder returns, funds organic initiatives or tuck‑ins, and reduces reliance on wholesale funding, supporting balance-sheet flexibility over the next several quarters.
Improving Capital Efficiency And LeverageLeverage falling to ~0.72 and ROE improving to ~11.7% indicate a stronger, more efficient capital base. This improvement enhances lending capacity, supports dividends/repurchases and gives management latitude to pursue disciplined growth without materially increasing funding risk.
Wealth/fee Momentum And Recurring Revenue MixAUA growth (+11% y/y to $2.4B) and steady wealth-channel revenue expand noninterest income diversification. Recurring advisory and fiduciary fees are less rate‑sensitive than interest income, improving revenue stability and broadening client relationships over the medium term.
Bears Say
TTM Revenue DeclineA ~-2.6% TTM revenue decline undermines topline momentum and limits operating leverage. Persisting revenue weakness can constrain margin expansion, reduce funds available for investment or shareholder returns, and make performance more sensitive to competitive or rate shifts.
Rising Competitive Pressure And PricingManagement cites increased competition and pricing pressure on loans and deposits. Sustained pricing compression would reduce net interest margins and force tradeoffs between growth and profitability, challenging margin recovery even if rates stabilize.
Expense Normalization And Margin Timing RiskExpected normalization of noninterest expense (merit cycles, seasonality) increases near-term cost base. If revenue growth lags, higher operating costs could widen the efficiency ratio and pressure profitability before productivity gains from automation fully materialize.
Camden National News
3LR FAQ
What was Camden National Corp.’s price range in the past 12 months?
Camden National Corp. lowest stock price was €29.80 and its highest was €48.60 in the past 12 months.
What is Camden National Corp.’s market cap?
Camden National Corp.’s market cap is €795.95M.
When is Camden National Corp.’s upcoming earnings report date?
Camden National Corp.’s upcoming earnings report date is Jul 28, 2026 which is in 15 days.
How were Camden National Corp.’s earnings last quarter?
Camden National Corp. released its earnings results on Apr 28, 2026. The company reported €1.132 earnings per share for the quarter, beating the consensus estimate of €1.094 by €0.038.
Is Camden National Corp. overvalued?
According to Wall Street analysts Camden National Corp.’s price is currently Undervalued.
Does Camden National Corp. pay dividends?
Camden National Corp. does not currently pay dividends.
What is Camden National Corp.’s EPS estimate?
Camden National Corp.’s EPS estimate is 1.13.
How many shares outstanding does Camden National Corp. have?
Camden National Corp. has 16,914,680 shares outstanding.
What happened to Camden National Corp.’s price movement after its last earnings report?
Camden National Corp. reported an EPS of €1.132 in its last earnings report, beating expectations of €1.094. Following the earnings report the stock price went up 0.939%.
Which hedge fund is a major shareholder of Camden National Corp.?
Currently, no hedge funds are holding shares in DE:3LR
What is the TipRanks Smart Score and how is it calculated?
Smart Score combines eight research factors - such as analyst recommendations, hedge fund trends, and technical indicators - to measure a stock’s outlook. These signals are unified into a single score that reflects bullish or bearish momentum. See detailed methodology
Camden National Stock Smart Score
Outperform
1
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4
5
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7
8
9
10
Analyst Consensus
Moderate Buy
Average Price Target:
€47.25 (9.37% Upside)
€47.25 (9.37% Upside)
Blogger Sentiment
Bullish
DE:3LR Sentiment 100%
Sector Average 67%
Sector Average 67%
Technicals
SMA
Positive
20 days / 200 days
Momentum
8.95%
12-Months-Change
Fundamentals
Return on Equity
11.66%
Trailing 12-Months
Asset Growth
-0.05%
Trailing 12-Months
Company Description
Camden National Corp.
Camden National Corporation operates as the bank holding company for Camden National Bank that provides various commercial and consumer banking products and services for consumer, institutional, municipal, non-profit, and commercial customers in the United States. The company accepts checking, savings, time, and brokered deposits, as well as deposits with the certificate of deposit account registry system. Its loan products include non-owner-occupied commercial real estate loans; owner-occupied commercial real estate loans; commercial loans; residential real estate loans, including one- to four-family residences; and consumer and home equity loans. In addition, the company provides brokerage and insurance services through its financial offerings consisting of college, retirement, estate planning, mutual funds, strategic asset management accounts, and variable and fixed annuities. Further, it offers a range of fiduciary and asset management, wealth management, investment management and advisory, financial planning, and trustee services. Camden National Corporation was founded in 1875 and is headquartered in Camden, Maine.
3LR Earnings Call
Q1 2026
0:00 / 0:00
Earnings Call Sentiment|Positive
The call highlighted multiple strengths: strong profitability and capital metrics, excellent asset quality, growing wealth/AUA and operational gains from AI/automation, along with ongoing shareholder returns. Headwinds noted were seasonal softness in fees and loans, sequential NIM pressure from lower accretion, increased competition and an expected normalization of expenses in Q2. Management reiterated disciplined, organic growth and a balanced M&A posture. Overall the positives (earnings growth, capital rebuilding, asset quality and tech-enabled efficiency) materially outweigh the transitory and manageable negatives.View all DE:3LR earnings summaries3LR Stock 12 Month Forecast
Average Price Target
€47.25
▲(9.37% Upside)
Technical Analysis
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Options Prices
Currently, No data available
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