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Side-by-side financial comparison of CAMDEN NATIONAL CORP (CAC) and Repay Holdings Corp (RPAY). Click either name above to swap in a different company.
Repay Holdings Corp is the larger business by last-quarter revenue ($78.6M vs $64.3M, roughly 1.2× CAMDEN NATIONAL CORP). CAMDEN NATIONAL CORP runs the higher net margin — 34.0% vs -178.3%, a 212.3% gap on every dollar of revenue. Over the past eight quarters, CAMDEN NATIONAL CORP's revenue compounded faster (22.6% CAGR vs -1.3%).
Camden National Bank is a commercial bank headquartered in Camden, Maine, operating as the principal subsidiary of Camden National Corporation, a publicly traded bank holding company. Founded in 1875, the bank became a direct, wholly owned subsidiary of the holding company following a corporate reorganization in 1984. Following the 2025 merger with Northway Financial, the combined institution has approximately $7.0 billion in assets.
Repay Holdings Corp is a leading payment technology provider delivering integrated end-to-end payment processing solutions for businesses across North America. Its offerings include credit/debit card processing, ACH transfer services, POS system integrations and digital payment tools, serving retail, healthcare, automotive and e-commerce segments to help clients streamline transaction workflows and boost operational efficiency.
CAC vs RPAY — Head-to-Head
Income Statement — Q1 FY2026 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $64.3M | $78.6M |
| Net Profit | $21.9M | $-140.1M |
| Gross Margin | — | 74.2% |
| Operating Margin | — | -182.2% |
| Net Margin | 34.0% | -178.3% |
| Revenue YoY | — | 0.4% |
| Net Profit YoY | — | -3304.1% |
| EPS (diluted) | $1.29 | $-1.68 |
Green = leading value per metric. Periods may differ when fiscal calendars don't align.
8-Quarter Revenue & Profit Trend
Side-by-side quarterly history. Quarters aligned by calendar period so offset fiscal years line up.
| Q1 26 | $64.3M | — | ||
| Q4 25 | $68.1M | $78.6M | ||
| Q3 25 | $65.4M | $77.7M | ||
| Q2 25 | $62.3M | $75.6M | ||
| Q1 25 | $60.1M | $77.3M | ||
| Q4 24 | $47.6M | $78.3M | ||
| Q3 24 | $45.0M | $79.1M | ||
| Q2 24 | $42.8M | $74.9M |
| Q1 26 | $21.9M | — | ||
| Q4 25 | $22.6M | $-140.1M | ||
| Q3 25 | $21.2M | $-6.4M | ||
| Q2 25 | $14.1M | $-102.3M | ||
| Q1 25 | $7.3M | $-7.9M | ||
| Q4 24 | $14.7M | $-4.1M | ||
| Q3 24 | $13.1M | $3.2M | ||
| Q2 24 | $12.0M | $-4.1M |
| Q1 26 | — | — | ||
| Q4 25 | — | 74.2% | ||
| Q3 25 | — | 74.4% | ||
| Q2 25 | — | 75.7% | ||
| Q1 25 | — | 75.9% | ||
| Q4 24 | — | 76.3% | ||
| Q3 24 | — | 77.8% | ||
| Q2 24 | — | 78.2% |
| Q1 26 | — | — | ||
| Q4 25 | 41.5% | -182.2% | ||
| Q3 25 | 40.5% | -3.9% | ||
| Q2 25 | 28.5% | -138.7% | ||
| Q1 25 | 10.3% | -4.7% | ||
| Q4 24 | 38.7% | -1.5% | ||
| Q3 24 | 35.2% | -0.9% | ||
| Q2 24 | 34.7% | -4.6% |
| Q1 26 | 34.0% | — | ||
| Q4 25 | 33.1% | -178.3% | ||
| Q3 25 | 32.4% | -8.3% | ||
| Q2 25 | 22.6% | -135.2% | ||
| Q1 25 | 12.2% | -10.3% | ||
| Q4 24 | 30.8% | -5.3% | ||
| Q3 24 | 29.1% | 4.1% | ||
| Q2 24 | 28.0% | -5.4% |
| Q1 26 | $1.29 | — | ||
| Q4 25 | $1.33 | $-1.68 | ||
| Q3 25 | $1.25 | $-0.08 | ||
| Q2 25 | $0.83 | $-1.15 | ||
| Q1 25 | $0.43 | $-0.09 | ||
| Q4 24 | $1.00 | $-0.04 | ||
| Q3 24 | $0.90 | $0.03 | ||
| Q2 24 | $0.81 | $-0.04 |
Balance Sheet & Financial Strength
Snapshot of each company's liquidity, leverage and book value from the latest quarter.
| Metric | | |
|---|---|---|
| Cash + ST InvestmentsLiquidity on hand | — | $115.7M |
| Total DebtLower is stronger | $514.4M | $280.1M |
| Stockholders' EquityBook value | $710.0M | $484.4M |
| Total Assets | $7.0B | $1.2B |
| Debt / EquityLower = less leverage | 0.72× | 0.58× |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | — | — | ||
| Q4 25 | — | $115.7M | ||
| Q3 25 | — | $95.7M | ||
| Q2 25 | — | $162.6M | ||
| Q1 25 | — | $165.5M | ||
| Q4 24 | — | $189.5M | ||
| Q3 24 | — | $168.7M | ||
| Q2 24 | — | $147.1M |
| Q1 26 | $514.4M | — | ||
| Q4 25 | — | $280.1M | ||
| Q3 25 | — | $279.5M | ||
| Q2 25 | — | $279.0M | ||
| Q1 25 | — | $497.6M | ||
| Q4 24 | — | $496.8M | ||
| Q3 24 | — | $496.2M | ||
| Q2 24 | — | $435.6M |
| Q1 26 | $710.0M | — | ||
| Q4 25 | $696.6M | $484.4M | ||
| Q3 25 | $676.4M | $616.9M | ||
| Q2 25 | $652.1M | $633.7M | ||
| Q1 25 | $640.1M | $755.7M | ||
| Q4 24 | $531.2M | $761.3M | ||
| Q3 24 | $529.9M | $754.7M | ||
| Q2 24 | $508.3M | $815.4M |
| Q1 26 | $7.0B | — | ||
| Q4 25 | $7.0B | $1.2B | ||
| Q3 25 | $7.0B | $1.3B | ||
| Q2 25 | $6.9B | $1.4B | ||
| Q1 25 | $7.0B | $1.5B | ||
| Q4 24 | $5.8B | $1.6B | ||
| Q3 24 | $5.7B | $1.6B | ||
| Q2 24 | $5.7B | $1.5B |
| Q1 26 | 0.72× | — | ||
| Q4 25 | — | 0.58× | ||
| Q3 25 | — | 0.45× | ||
| Q2 25 | — | 0.44× | ||
| Q1 25 | — | 0.66× | ||
| Q4 24 | — | 0.65× | ||
| Q3 24 | — | 0.66× | ||
| Q2 24 | — | 0.53× |
Cash Flow & Capital Efficiency
How much cash each business actually produces after reinvestment. Cash flow is harder to manipulate than net income.
| Metric | | |
|---|---|---|
| Operating Cash FlowLast quarter | — | $23.3M |
| Free Cash FlowOCF − Capex | — | $23.2M |
| FCF MarginFCF / Revenue | — | 29.6% |
| Capex IntensityCapex / Revenue | — | 0.1% |
| Cash ConversionOCF / Net Profit | — | — |
| TTM Free Cash FlowTrailing 4 quarters | — | $90.7M |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | — | — | ||
| Q4 25 | $63.9M | $23.3M | ||
| Q3 25 | $36.1M | $32.2M | ||
| Q2 25 | $6.0M | $33.1M | ||
| Q1 25 | $1.0M | $2.5M | ||
| Q4 24 | $60.9M | $34.3M | ||
| Q3 24 | $-14.5M | $60.1M | ||
| Q2 24 | $14.5M | $31.0M |
| Q1 26 | — | — | ||
| Q4 25 | $58.2M | $23.2M | ||
| Q3 25 | $35.4M | $32.1M | ||
| Q2 25 | $4.5M | $33.0M | ||
| Q1 25 | $-727.0K | $2.4M | ||
| Q4 24 | $55.4M | $34.0M | ||
| Q3 24 | $-16.2M | $59.8M | ||
| Q2 24 | $13.2M | $30.5M |
| Q1 26 | — | — | ||
| Q4 25 | 85.5% | 29.6% | ||
| Q3 25 | 54.1% | 41.3% | ||
| Q2 25 | 7.3% | 43.6% | ||
| Q1 25 | -1.2% | 3.0% | ||
| Q4 24 | 116.4% | 43.5% | ||
| Q3 24 | -36.0% | 75.6% | ||
| Q2 24 | 30.8% | 40.7% |
| Q1 26 | — | — | ||
| Q4 25 | 8.4% | 0.1% | ||
| Q3 25 | 1.1% | 0.2% | ||
| Q2 25 | 2.4% | 0.1% | ||
| Q1 25 | 2.9% | 0.2% | ||
| Q4 24 | 11.7% | 0.3% | ||
| Q3 24 | 3.8% | 0.3% | ||
| Q2 24 | 3.0% | 0.6% |
| Q1 26 | — | — | ||
| Q4 25 | 2.83× | — | ||
| Q3 25 | 1.70× | — | ||
| Q2 25 | 0.43× | — | ||
| Q1 25 | 0.14× | — | ||
| Q4 24 | 4.15× | — | ||
| Q3 24 | -1.11× | 18.52× | ||
| Q2 24 | 1.21× | — |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
CAC
| Net Interest Income | $52.4M | 81% |
| Noninterest Income | $12.0M | 19% |
RPAY
| Sales Channel Directly To Consumer | $69.4M | 88% |
| Other | $6.8M | 9% |
| Sales Channel Through Intermediary | $2.3M | 3% |
