<span item_type="fundamental" item_id="7039a3d7bc68a50bbcf81f5904e8e411" counter_id="ST/US/CAC" env="prod"></span><span item_type="announcement" item_id="543523212267686401" env="prod"></span><p>EPS: As of FY2025 Q2, the actual value is USD 0.83, missing the estimate of USD 1.0875.</p><p>EBIT: As of FY2025 Q2, the actual value is USD 17.76 M.</p><p></p><h3>Net Income</h3><ul><li>Camden National Corporation reported a net income of $14.1 million for the second quarter of 2025, which is a 92% increase compared to the first quarter of 2025.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/750686/000075068625000277/ex991earningsreleaseq225.htm"></span></li></ul><h3>Operating Metrics</h3><ul><li>The net interest margin for the second quarter of 2025 increased by 2 basis points to 3.06% from the first quarter of 2025.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/750686/000075068625000277/ex991earningsreleaseq225.htm"></span></li><li>The GAAP efficiency ratio decreased to 60.37% in the second quarter of 2025, down from 74.02% in the first quarter of 2025.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/750686/000075068625000277/ex991earningsreleaseq225.htm"></span></li><li>Non-interest income for the second quarter of 2025 was $13.1 million, a 17% increase from the first quarter of 2025.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/750686/000075068625000277/ex991earningsreleaseq225.htm"></span></li><li>Non-interest expense decreased by 15% to $37.6 million in the second quarter of 2025 compared to the first quarter of 2025.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/750686/000075068625000277/ex991earningsreleaseq225.htm"></span></li></ul><h3>Unique Metrics</h3><ul><li>Loans grew by 4% on an annualized basis during the second quarter of 2025, with committed loan pipelines totaling $149.5 million, a 40% increase since March 31, 2025.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/750686/000075068625000277/ex991earningsreleaseq225.htm"></span></li><li>Book value per share increased to $38.54, and tangible book value per share increased to $26.90 by the end of the second quarter of 2025.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/750686/000075068625000277/ex991earningsreleaseq225.htm"></span></li></ul><h3>Outlook / Guidance</h3><ul><li>Camden National Corporation anticipates continued net interest margin expansion and earnings growth in the second half of 2025, driven by cost synergies and solid revenue growth following the Northway Financial acquisition.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/750686/000075068625000277/ex991earningsreleaseq225.htm"></span></li></ul>

Camden National | 8-K: FY2025 Q2 EPS Misses Estimate at USD 0.83