CAMBRIDGE BANCORP (CATC)
US1321521098 - Common Stock
We assign a fundamental rating of 2 out of 10 to CATC. CATC was compared to 412 industry peers in the Banks industry. Both the profitability and financial health of CATC have multiple concerns. CATC is quite expensive at the moment. It does show a decent growth rate. Finally 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.
Each year in the past 5 years CATC has been profitable.
Each year in the past 5 years CATC had a positive operating cash flow.
1.2 Ratios
CATC has a worse Return On Assets (0.63%) than 71.53% of its industry peers.
With a Return On Equity value of 6.37%, CATC is not doing good in the industry: 72.02% of the companies in the same industry are doing better.
| 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 worse Profit Margin (20.96%) than 63.02% of its industry peers.
In the last couple of years the Profit Margin of CATC has declined.
CATC does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
| 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.
CATC has more shares outstanding than it did 1 year ago.
Compared to 5 years ago, CATC has more shares outstanding
CATC has a worse debt/assets ratio than last year.
2.2 Solvency
CATC has a debt to FCF ratio of 14.26. This is a negative value and a sign of low solvency as CATC would need 14.26 years to pay back of all of its debts.
Looking at the Debt to FCF ratio, with a value of 14.26, CATC is doing worse than 82.24% of the companies in the same industry.
CATC has a Debt/Equity ratio of 0.85. This is a neutral value indicating CATC is somewhat dependend on debt financing.
CATC has a Debt to Equity ratio of 0.85. This is in the lower half of the industry: CATC underperforms 79.81% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.85 | ||
| Debt/FCF | 14.26 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC15.6%
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 -34.49% in the last year.
Measured over the past years, CATC shows a decrease in Earnings Per Share. The EPS has been decreasing by -5.52% on average per year.
Looking at the last year, CATC shows a very negative growth in Revenue. The Revenue has decreased by -12.71% in the last year.
The Revenue has been growing by 10.97% on average over the past years. This is quite good.
EPS 1Y (TTM)-34.49%
EPS 3Y-9.08%
EPS 5Y-5.52%
EPS growth Q2Q-42.19%
Revenue 1Y (TTM)-12.71%
Revenue growth 3Y0.59%
Revenue growth 5Y10.97%
Revenue growth Q2Q-24.26%
3.2 Future
Based on estimates for the next years, CATC will show a quite strong growth in Earnings Per Share. The EPS will grow by 12.94% on average per year.
CATC is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 6.81% yearly.
EPS Next Y-11.57%
EPS Next 2Y12.94%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year-0.98%
Revenue Next 2Y6.81%
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.
The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
With a Price/Earnings ratio of 12.58, CATC is valued correctly.
Based on the Price/Earnings ratio, CATC is valued a bit more expensive than 71.78% of the companies in the same industry.
Compared to an average S&P500 Price/Earnings ratio of 24.84, CATC is valued a bit cheaper.
A Price/Forward Earnings ratio of 14.23 indicates a correct valuation of CATC.
Based on the Price/Forward Earnings ratio, CATC is valued a bit more expensive than the industry average as 71.29% of the companies are valued more cheaply.
When comparing the Price/Forward Earnings ratio of CATC to the average of the S&P500 Index (21.35), we can say CATC is valued slightly cheaper.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 12.58 | ||
| Fwd PE | 14.23 |
4.2 Price Multiples
Based on the Price/Free Cash Flow ratio, CATC is valued a bit more expensive than 74.21% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 15.91 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
A more expensive valuation may be justified as CATC's earnings are expected to grow with 12.94% in the coming years.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y12.94%
EPS Next 3YN/A
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 4.23%, CATC is a good candidate for dividend investing.
Compared to an average industry Dividend Yield of 3.83, CATC pays a bit more dividend than its industry peers.
CATC's Dividend Yield is rather good when compared to the S&P500 average which is at 2.41.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.23% |
5.2 History
The dividend of CATC is nicely growing with an annual growth rate of 6.47%!
CATC has paid a dividend for at least 10 years, which is 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 Years10
Div Non Decr Years10
5.3 Sustainability
61.59% of the earnings are spent on dividend by CATC. This is not a sustainable payout ratio.
The dividend of CATC is growing, but earnings are growing more, so the dividend growth is sustainable.
DP61.59%
EPS Next 2Y12.94%
EPS Next 3YN/A
CAMBRIDGE BANCORP
NASDAQ:CATC (4/26/2024, 7:00:00 PM)
After market: 64.28 0 (0%)64.28
+0.87 (+1.37%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners
Inst Owner Change
Ins Owners
Ins Owner Change
Market Cap504.60M
Analysts
Price Target
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.23% |
Dividend Growth(5Y)
DP
Div Incr Years
Div Non Decr Years
Ex-Date
Surprises & Revisions
EPS beat(2)
Avg EPS beat(2)
Min EPS beat(2)
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EPS beat(4)
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EPS beat(8)
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EPS beat(12)
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EPS beat(16)
Avg EPS beat(16)
Revenue beat(2)
Avg Revenue beat(2)
Min Revenue beat(2)
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Revenue beat(4)
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Revenue beat(8)
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Revenue beat(12)
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Revenue beat(16)
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PT rev (1m)
PT rev (3m)
EPS NQ rev (1m)
EPS NQ rev (3m)
EPS NY rev (1m)
EPS NY rev (3m)
Revenue NQ rev (1m)
Revenue NQ rev (3m)
Revenue NY rev (1m)
Revenue NY rev (3m)
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 12.58 | ||
| Fwd PE | 14.23 | ||
| P/S | |||
| P/FCF | |||
| P/OCF | |||
| P/B | |||
| P/tB | |||
| EV/EBITDA |
EPS(TTM)
EY
EPS(NY)
Fwd EY
FCF(TTM)
FCFY
OCF(TTM)
OCFY
SpS
BVpS
TBVpS
PEG (NY)N/A
PEG (5Y)N/A
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.63% | ||
| ROE | 6.37% | ||
| ROCE | |||
| ROIC | |||
| ROICexc | |||
| ROICexgc | |||
| OM | N/A | ||
| PM (TTM) | 20.96% | ||
| GM | N/A | ||
| FCFM |
ROA(3y)
ROA(5y)
ROE(3y)
ROE(5y)
ROIC(3y)
ROIC(5y)
ROICexc(3y)
ROICexc(5y)
ROICexgc(3y)
ROICexgc(5y)
ROCE(3y)
ROCE(5y)
ROICexcg growth 3Y
ROICexcg growth 5Y
ROICexc growth 3Y
ROICexc growth 5Y
OM growth 3Y
OM growth 5Y
PM growth 3Y
PM growth 5Y
GM growth 3Y
GM growth 5Y
F-Score
Asset Turnover0.03
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.85 | ||
| Debt/FCF | |||
| Debt/EBITDA | |||
| Cap/Depr | |||
| Cap/Sales | |||
| Interest Coverage | |||
| Cash Conversion | |||
| Profit Quality | |||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z |
F-Score
WACC
ROIC/WACC
Cap/Depr(3y)
Cap/Depr(5y)
Cap/Sales(3y)
Cap/Sales(5y)
Profit Quality(3y)
Profit Quality(5y)
Growth
EPS 1Y (TTM)-34.49%
EPS 3Y-9.08%
EPS 5Y
EPS growth Q2Q
EPS Next Y-11.57%
EPS Next 2Y
EPS Next 3Y
EPS Next 5Y
Revenue 1Y (TTM)-12.71%
Revenue growth 3Y0.59%
Revenue growth 5Y
Revenue growth Q2Q
Revenue Next Year
Revenue Next 2Y
Revenue Next 3Y
Revenue Next 5Y
EBIT growth 1Y
EBIT growth 3Y
EBIT growth 5Y
EBIT Next Year
EBIT Next 3Y
EBIT Next 5Y
FCF growth 1Y
FCF growth 3Y
FCF growth 5Y
OCF growth 1Y
OCF growth 3Y
OCF growth 5Y