CAC earnings / call / takeaways
CAC Q3 FY26 earnings call: key takeaways
What CAC said on its earnings call of October 27, 2026: results against expectations, what changed since last quarter, guidance and the questions analysts pressed on.
By Lician·October 27, 2026·AI-generated from the call transcript and Lician data
- EPS of $1.34 beat the $1.32 consensus and revenue of $68.7 million exceeded the $67.65 million consensus (1:38)
Results vs expectations
| Metric | Consensus | Reported | Result |
|---|---|---|---|
| EPS | $1.32 | $1.34 | beat |
| Revenue | $67.7M | – | – |
EPS basis: Adjusted EPS, provider (EODHD); matches the company press release
The stock moved -1.6% over the report window (S&P 500 ETF +0.6%). Earnings history
What changed since last quarter
- Net interest margin guidance for Q4 is expected to be relatively consistent with Q3, up from previous expectations. (12:52)
- Deposit growth was described as having both seasonal and sustainable components, with management highlighting new customer acquisitions and high-yield savings products as drivers. (11:30)
- Loan growth is expected to be modest in Q4, with management noting strong pipelines and potential for low single-digit growth in 2027. (18:52)
Guidance
| Metric | This call | Previous call |
|---|---|---|
| Other | Non-interest income expected to increase to $13.5 million to $14.5 million in Q4 (6:27) | not captured |
| Other | Non-interest expense expected to range between $37.5 million and $38 million in Q4 (8:11) | not captured |
| Margin | Net interest margin expected to be relatively consistent with Q3 in Q4 (6:27) | not captured |
What analysts pressed on
In their words
We are investing in experienced talent, deeper customer relationships, and technology capabilities that position Camden for sustainable growth.
(5:29)We feel good about our Q4 outlook, and we believe we are well positioned for 2027.
(5:29)We're positioned well to see continued margin expansion into 2027.
(12:52)
Read the full transcript with the AI summary, or listen on the company's official webcast.
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Written by AI from the automatic transcript of the company's public webcast and Lician's earnings data. Each sentence cites the passage it comes from, and a sentence with a figure that is not in its sources was removed. Not investment advice.