73.59 USD
-0.31 (-0.42%)
74.0848 USD
+0.49 (+0.67%)
We assign a fundamental rating of 2 out of 10 to CATC. CATC was compared to 383 industry peers in the Banks industry. CATC may be in some trouble as it scores bad on both profitability and health. While showing a medium growth rate, CATC is valued expensive at the moment. CATC also has an excellent dividend rating.
1. Profitability
1.1 Basic Checks
- CATC had positive earnings in the past year.
- In the past year CATC had a positive cash flow from operations.
- In the past 5 years CATC has always been profitable.
- Each year in the past 5 years CATC had a positive operating cash flow.
1.2 Ratios
- CATC has a Return On Assets of 0.63%. This is in the lower half of the industry: CATC underperforms 68.38% of its industry peers.
- Looking at the Return On Equity, with a value of 6.37%, CATC is doing worse than 69.36% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.63% | ||
| ROE | 6.37% | ||
| ROIC | N/A |
ROA(3y)0.89%
ROA(5y)0.87%
ROE(3y)9.61%
ROE(5y)9.1%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
- CATC has a Profit Margin of 20.96%. This is in the lower half of the industry: CATC underperforms 61.27% of its industry peers.
- CATC's Profit Margin has declined in the last couple of years.
- The Operating Margin and Gross Margin are not available for CATC so they could not be analyzed.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | 20.96% | ||
| GM | N/A |
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y1.62%
PM growth 5Y-3.01%
GM growth 3YN/A
GM growth 5YN/A
2. Health
2.1 Basic Checks
- CATC does not have a ROIC to compare to the WACC, probably because it is not profitable.
- The number of shares outstanding for CATC has been increased compared to 1 year ago.
- The debt/assets ratio for CATC is higher compared to a year ago.
2.2 Solvency
- The Debt to FCF ratio of CATC is 14.26, which is on the high side as it means it would take CATC, 14.26 years of fcf income to pay off all of its debts.
- CATC's Debt to FCF ratio of 14.26 is on the low side compared to the rest of the industry. CATC is outperformed by 79.66% of its industry peers.
- CATC has a Debt/Equity ratio of 0.85. This is a neutral value indicating CATC is somewhat dependend on debt financing.
- The Debt to Equity ratio of CATC (0.85) is worse than 81.62% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.85 | ||
| Debt/FCF | 14.26 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC14.04%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
- The earnings per share for CATC have decreased strongly by -40.11% in the last year.
- The Earnings Per Share has been decreasing by -5.52% on average over the past years.
- CATC shows a very negative growth in Revenue. In the last year, the Revenue has decreased by -12.71%.
- The Revenue has been growing by 10.97% on average over the past years. This is quite good.
EPS 1Y (TTM)-40.11%
EPS 3Y-9.08%
EPS 5Y-5.52%
EPS Q2Q%-37.04%
Revenue 1Y (TTM)-12.71%
Revenue growth 3Y0.59%
Revenue growth 5Y10.97%
Sales Q2Q%-19.22%
3.2 Future
- CATC is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 11.69% yearly.
- CATC is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 5.94% yearly.
EPS Next Y-12.35%
EPS Next 2Y11.69%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year-3.05%
Revenue Next 2Y5.94%
Revenue Next 3YN/A
Revenue Next 5YN/A
3.3 Evolution
- When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
- When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
4. Valuation
4.1 Price/Earnings Ratio
- CATC is valuated correctly with a Price/Earnings ratio of 16.32.
- CATC's Price/Earnings ratio is a bit more expensive when compared to the industry. CATC is more expensive than 74.51% of the companies in the same industry.
- CATC's Price/Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 27.32.
- Based on the Price/Forward Earnings ratio of 11.55, the valuation of CATC can be described as reasonable.
- Compared to the rest of the industry, the Price/Forward Earnings ratio of CATC is on the same level as its industry peers.
- CATC is valuated cheaply when we compare the Price/Forward Earnings ratio to 24.30, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 16.32 | ||
| Fwd PE | 11.55 |
4.2 Price Multiples
- Based on the Price/Free Cash Flow ratio, CATC is valued a bit more expensive than 71.81% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 18.21 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y11.69%
EPS Next 3YN/A
5. Dividend
5.1 Amount
- With a Yearly Dividend Yield of 3.64%, CATC has a reasonable but not impressive dividend return.
- CATC's Dividend Yield is a higher than the industry average which is at 2.91.
- Compared to an average S&P500 Dividend Yield of 1.86, CATC pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.64% |
5.2 History
- On average, the dividend of CATC grows each year by 6.47%, which is quite nice.
- CATC has been paying a dividend for at least 10 years, so it has a reliable track record.
- CATC has not decreased its dividend for at least 10 years, so it has a reliable track record of non decreasing dividend.
Dividend Growth(5Y)6.47%
Div Incr Years19
Div Non Decr Years19
5.3 Sustainability
- 61.59% of the earnings are spent on dividend by CATC. This is not a sustainable payout ratio.
- CATC's earnings are growing more than its dividend. This makes the dividend growth sustainable.
DP61.59%
EPS Next 2Y11.69%
EPS Next 3YN/A
73.59
-0.31 (-0.42%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)07-16 2024-07-16/amc
Earnings (Next)10-15 2024-10-15/amc
Inst Owners5.09%
Inst Owner Change0%
Ins Owners1.77%
Ins Owner Change0%
Market Cap577.68M
Revenue(TTM)162.54M
Net Income(TTM)34.07M
Analysts80
Price Target76.93 (4.54%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.64% |
Yearly Dividend2.68
Dividend Growth(5Y)6.47%
DP61.59%
Div Incr Years19
Div Non Decr Years19
Ex-DateN/A
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)11.11%
Min EPS beat(2)5.84%
Max EPS beat(2)16.39%
EPS beat(4)3
Avg EPS beat(4)1.76%
Min EPS beat(4)-17.2%
Max EPS beat(4)16.39%
EPS beat(8)4
Avg EPS beat(8)-0.15%
EPS beat(12)6
Avg EPS beat(12)0.44%
EPS beat(16)10
Avg EPS beat(16)8.4%
Revenue beat(2)0
Avg Revenue beat(2)-3.8%
Min Revenue beat(2)-4.11%
Max Revenue beat(2)-3.5%
Revenue beat(4)0
Avg Revenue beat(4)-6.37%
Min Revenue beat(4)-10.71%
Max Revenue beat(4)-3.5%
Revenue beat(8)0
Avg Revenue beat(8)-4.05%
Revenue beat(12)1
Avg Revenue beat(12)-3.47%
Revenue beat(16)4
Avg Revenue beat(16)-1.91%
PT rev (1m)0%
PT rev (3m)0%
EPS NQ rev (1m)0%
EPS NQ rev (3m)0%
EPS NY rev (1m)0%
EPS NY rev (3m)-0.88%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-2.09%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 16.32 | ||
| Fwd PE | 11.55 | ||
| P/S | 3.55 | ||
| P/FCF | 18.21 | ||
| P/OCF | 17.46 | ||
| P/B | 1.08 | ||
| P/tB | 1.25 | ||
| EV/EBITDA | N/A |
EPS(TTM)4.51
EY6.13%
EPS(NY)6.37
Fwd EY8.66%
FCF(TTM)4.04
FCFY5.49%
OCF(TTM)4.22
OCFY5.73%
SpS20.71
BVpS68.1
TBVpS59.04
PEG (NY)N/A
PEG (5Y)N/A
Graham NumberN/A
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.63% | ||
| ROE | 6.37% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 20.96% | ||
| GM | N/A | ||
| FCFM | 19.51% |
ROA(3y)0.89%
ROA(5y)0.87%
ROE(3y)9.61%
ROE(5y)9.1%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexgc growth 3YN/A
ROICexgc growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y1.62%
PM growth 5Y-3.01%
GM growth 3YN/A
GM growth 5YN/A
F-Score4
Asset Turnover0.03
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.85 | ||
| Debt/FCF | 14.26 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | N/A | ||
| Cap/Sales | 0.84% | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | 93.09% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score4
WACC14.04%
ROIC/WACCN/A
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)0.99%
Cap/Sales(5y)1.2%
Profit Quality(3y)102.09%
Profit Quality(5y)104.45%
High Growth Momentum
Growth
EPS 1Y (TTM)-40.11%
EPS 3Y-9.08%
EPS 5Y-5.52%
EPS Q2Q%-37.04%
EPS Next Y-12.35%
EPS Next 2Y11.69%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)-12.71%
Revenue growth 3Y0.59%
Revenue growth 5Y10.97%
Sales Q2Q%-19.22%
Revenue Next Year-3.05%
Revenue Next 2Y5.94%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-36.78%
FCF growth 3Y-2.84%
FCF growth 5Y6.77%
OCF growth 1Y-36.3%
OCF growth 3Y-3.48%
OCF growth 5Y6.62%
CAMBRIDGE BANCORP / CATC FAQ
What is the fundamental rating for CATC stock?
ChartMill assigns a fundamental rating of 2 / 10 to CATC.
What is the valuation status for CATC stock?
ChartMill assigns a valuation rating of 2 / 10 to CAMBRIDGE BANCORP (CATC). This can be considered as Overvalued.
How profitable is CAMBRIDGE BANCORP (CATC) stock?
CAMBRIDGE BANCORP (CATC) has a profitability rating of 2 / 10.
Can you provide the PE and PB ratios for CATC stock?
The Price/Earnings (PE) ratio for CAMBRIDGE BANCORP (CATC) is 16.32 and the Price/Book (PB) ratio is 1.08.
Can you provide the dividend sustainability for CATC stock?
The dividend rating of CAMBRIDGE BANCORP (CATC) is 7 / 10 and the dividend payout ratio is 61.59%.