Camden National vs HBT Financial
Camden National and HBT Financial are similar in size: $256m and $237m of revenue in their latest fiscal years. Camden National grew faster (44.5% against 5.6%). HBT Financial kept more of each dollar of sales as profit: a net margin of 32.5% against 25.5%.
| Latest fiscal year | Camden NationalCAC, 2025 | HBT FinancialHBT, 2025 |
|---|---|---|
| Revenue | $256m | $237m |
| Revenue growth | 44.5% | 5.6% |
| Net income | $65.2m | $77.0m |
| Operating margin | — | — |
| Net margin | 25.5% | 32.5% |
| Return on equity | 10.6% | 13.3% |
| Free cash flow | $58.2m | $85.1m |
| Cash | $97.5m | $122m |
| Total debt | $582m | $0 |
| Debt to equity | — | — |
| Dividend per share | $1.68 | $0.84 |
| Dividend yield | 2.9% | 2.1% |
| Share buybacks | $0 | $4.5m |
| Employees | — | 826 |
| Market value | $984m | $1.35bn |
| Price vs our value range | — | — |
| Moat score | 70 (Strong) | 73 (Strong) |
| Insider trades, 12 months | 0 buys, 0 sales | 1 buys, 5 sales |