Camden National (CAC) Cash Flow: Operating & Free Cash Flow

Camden National (CAC) Cash Flow Statement

In fiscal 2025 (fiscal year ended Dec 31, 2025), Camden National generated $63.91M of operating cash flow and spent $5.71M on capital expenditures. That left free cash flow of $58.20M, up 5.1% from $55.36M a year earlier, or 23.4% of revenue. It returned $125.51M to shareholders through $124.97M in dividends and $537.00K in share buybacks.

Camden National Cash Flow Statement Analysis

Values in millions USD

Income Statement Balance Sheet Cash Flow Ratios

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Cash flow statement showing operating, investing, and financing activities for Camden National Corporation (CAC) - Annual data in millions USD
Breakdown	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020	FY 2019	FY 2018	FY 2017
Period ending	Dec 2025	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020	Dec 2019	Dec 2018	Dec 2017
Operating Activities
Net Income	65.16	53.00	43.38	61.44	69.01	59.49	57.20	53.07	28.48
Depreciation & Amortization	11.10	3.87	3.96	4.12	4.36	4.51	4.60	4.49	5.57
Deferred Income Tax	0.62	0.30	1.31	1.79	-0.64	-1.76	0.00	0.00	0.00
Stock Based Compensation	3.42	2.90	2.79	2.55	2.38	1.79	1.89	1.69	1.47
Change in Working Capital	-15.78	0.35	6.38	-4.69	3.29	-33.12	-27.59	-0.40	12.44
Change in Accounts Payable	-10.81	-2.21	0.00	31.83	0.00	0.00	0.00	0.00	0.00
Change in Other Working Capital	62.40	1.38	6.38	3.65	3.29	-33.12	-27.59	-0.40	12.44
Other Operating Activities	-22.01	1.38	9.68	3.65	64.31	-12.67	-3.23	5.49	10.38
Net Cash from Operating Activities	63.91	60.93	67.51	105.18	142.72	18.23	32.87	64.33	58.33
Investing Activities
Capital Expenditures	-5.71	-5.58	-2.62	-2.18	-1.85	-2.93	-4.27	-5.02	-2.84
Acquisitions	109.33	89.21	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Purchases of Investments	-240.46	-60.39	-137.13	-138.17	-758.85	-433.42	-339.29	-232.21	-170.50
Sales/Maturities of Investments	209.09	123.06	225.13	233.67	321.63	265.84	355.61	191.76	154.97
Other Investing Activities	-2.52	-5.04	-92.41	-2.43	-210.02	-123.94	-67.89	-231.31	-193.77
Net Cash from Investing Activities	-56.41	30.33	-7.03	-487.72	-649.09	-294.45	-55.84	-276.78	-212.13
Financing Activities
Debt Repayment	45.25	-360.29	220.26	-0.16	9.02	-91.51	-2.17	-270.11	16.70
Common Stock Issued	-0.34	-0.29	0.00	-0.36	0.00	0.00	0.00	0.00	0.00
Common Stock Repurchased	0.54	-1.61	-2.00	-10.24	-10.09	-9.69	-20.80	-0.03	0.00
Dividends Paid	-124.97	-24.56	-24.54	-23.51	-21.08	-19.84	-18.57	-17.17	-14.32
Other Financing Activities	-145.94	-0.25	-229.83	-0.16	603.38	467.40	73.13	463.78	166.69
Net Cash from Financing Activities	-124.97	23.90	-36.10	237.34	581.23	346.36	31.60	176.47	169.06
Summary
Net Change in Cash	-117.47	115.16	24.38	-145.20	74.85	70.14	8.64	-35.97	15.26
Cash at Beginning of Period	214.96	99.80	75.43	220.63	145.77	75.64	67.00	102.97	87.71
Cash at End of Period	97.49	214.96	99.80	75.43	220.63	145.77	75.64	67.00	102.97
Free Cash Flow	58.20	55.36	64.89	103.00	140.86	15.30	28.60	59.31	55.49
Supplemental Disclosures
Interest Paid	-	116.72	92.35	24.55	11.19	-	-	-	-
Income Taxes Paid	-	8.82	11.15	13.24	18.50	-	-	-	-

Source: Company financial statements from annual and quarterly filings. Data as of Jun 30, 2026. Data sources and methodology

Frequently Asked Questions About Camden National Cash Flow

What is Camden National's free cash flow?

Camden National generated free cash flow of $58.20M in fiscal 2025 (fiscal year ended Dec 31, 2025), operating cash flow of $63.91M minus $5.71M of capital expenditures. That was up 5.1% from $55.36M a year earlier. Free cash flow equaled 23.4% of revenue.

How much does Camden National spend on capital expenditures?

Camden National spent $5.71M on capital expenditures in fiscal 2025, compared with $5.58M a year earlier. That equals 8.9% of operating cash flow.

Does Camden National pay dividends or buy back shares?

Yes. In fiscal 2025 Camden National returned $124.97M in dividends and $537.00K in share buybacks to shareholders, according to its cash flow statement.

What is free cash flow?

Free cash flow is operating cash flow minus capital expenditures. It is the cash a company has left for dividends, buybacks, debt repayment or acquisitions after funding its operations and investment. Full definition