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CAMBRIDGE BANCORP (CATC) Stock Fundamental Analysis

NASDAQ:CATC - Nasdaq - US1321521098 - Common Stock - Currency: USD

73.59  -0.31 (-0.42%)

After market: 74.0848 +0.49 (+0.67%)

Fundamental Rating

2

Overall CATC gets a fundamental rating of 2 out of 10. We evaluated CATC against 394 industry peers in the Banks industry. CATC may be in some trouble as it scores bad on both profitability and health. CATC is quite expensive at the moment. It does show a decent growth rate. CATC also has an excellent dividend rating.


Dividend Valuation Growth Profitability Health

2

1. Profitability

1.1 Basic Checks

In the past year CATC was profitable.
CATC had a positive operating cash flow in the past year.
CATC had positive earnings in each of the past 5 years.
Each year in the past 5 years CATC had a positive operating cash flow.
CATC Yearly Net Income VS EBIT VS OCF VS FCFCATC Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 20M 40M 60M

1.2 Ratios

The Return On Assets of CATC (0.63%) is worse than 68.38% of its industry peers.
With a Return On Equity value of 6.37%, CATC is not doing good in the industry: 69.36% of the companies in the same industry are doing better.
Industry RankSector 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
CATC Yearly ROA, ROE, ROICCATC Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 5 10

1.3 Margins

CATC's Profit Margin of 20.96% is on the low side compared to the rest of the industry. CATC is outperformed by 61.27% of its industry peers.
CATC's Profit Margin has declined in the last couple of years.
CATC does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
Industry RankSector 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
CATC Yearly Profit, Operating, Gross MarginsCATC Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 10 20 30

0

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.
CATC has more shares outstanding than it did 5 years ago.
The debt/assets ratio for CATC is higher compared to a year ago.
CATC Yearly Shares OutstandingCATC Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 2M 4M 6M
CATC Yearly Total Debt VS Total AssetsCATC Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 2021 2022 2023 1B 2B 3B 4B 5B

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.
CATC has a Debt to FCF ratio of 14.26. This is in the lower half of the industry: CATC underperforms 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.
CATC's Debt to Equity ratio of 0.85 is on the low side compared to the rest of the industry. CATC is outperformed by 81.62% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.85
Debt/FCF 14.26
Altman-Z N/A
ROIC/WACCN/A
WACC14.04%
CATC Yearly LT Debt VS Equity VS FCFCATC Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 100M 200M 300M 400M 500M

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
CATC Yearly Current Assets VS Current LiabilitesCATC Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2018 2019 2020 2021 2022 2023 100M 200M 300M 400M

4

3. Growth

3.1 Past

CATC shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -40.11%.
CATC shows a decrease in Earnings Per Share. Measured over the last years, the EPS has been decreasing by -5.52% yearly.
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

The Earnings Per Share is expected to grow by 11.69% on average over the next years. This is quite good.
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.
CATC Yearly Revenue VS EstimatesCATC Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 50M 100M 150M
CATC Yearly EPS VS EstimatesCATC Yearly EPS VS EstimatesYearly EPS VS Estimates 2019 2020 2021 2022 2023 2024 2025 2 4 6 8

2

4. Valuation

4.1 Price/Earnings Ratio

The Price/Earnings ratio is 16.32, which indicates a correct valuation of CATC.
74.51% of the companies in the same industry are cheaper than CATC, based on the Price/Earnings ratio.
The average S&P500 Price/Earnings ratio is at 27.52. CATC is valued slightly cheaper when compared to this.
A Price/Forward Earnings ratio of 11.55 indicates a reasonable valuation of CATC.
The rest of the industry has a similar Price/Forward Earnings ratio as CATC.
When comparing the Price/Forward Earnings ratio of CATC to the average of the S&P500 Index (35.58), we can say CATC is valued rather cheaply.
Industry RankSector Rank
PE 16.32
Fwd PE 11.55
CATC Price Earnings VS Forward Price EarningsCATC Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30

4.2 Price Multiples

Based on the Price/Free Cash Flow ratio, CATC is valued a bit more expensive than the industry average as 71.81% of the companies are valued more cheaply.
Industry RankSector Rank
P/FCF 18.21
EV/EBITDA N/A
CATC Per share dataCATC EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 20 40 60

4.3 Compensation for Growth

PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y11.69%
EPS Next 3YN/A

7

5. Dividend

5.1 Amount

CATC has a Yearly Dividend Yield of 3.64%. Purely for dividend investing, there may be better candidates out there.
Compared to an average industry Dividend Yield of 3.31, CATC pays a bit more dividend than its industry peers.
Compared to an average S&P500 Dividend Yield of 2.35, CATC pays a better dividend.
Industry RankSector Rank
Dividend Yield 3.64%

5.2 History

The dividend of CATC is nicely growing with an annual growth rate of 6.47%!
CATC has been paying a dividend for at least 10 years, so it has a reliable track record.
CATC has not decreased their dividend for at least 10 years, which is a reliable track record.
Dividend Growth(5Y)6.47%
Div Incr Years19
Div Non Decr Years19
CATC Yearly Dividends per shareCATC Yearly Dividends per shareYearly Dividends per share 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0.5 1 1.5 2 2.5

5.3 Sustainability

CATC pays out 61.59% of its income as dividend. 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
CATC Yearly Income VS Free CF VS DividendCATC Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2015 2016 2017 2018 2019 2020 2021 2022 2023 20M 40M 60M
CATC Dividend Payout.CATC Dividend Payout, showing the Payout Ratio.CATC Dividend Payout.PayoutRetained Earnings

CAMBRIDGE BANCORP

NASDAQ:CATC (7/12/2024, 8:22:53 PM)

After market: 74.0848 +0.49 (+0.67%)

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
Analysts80
Price Target76.93 (4.54%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector 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 RankSector 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
Profitability
Industry RankSector 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
ROICexcg growth 3YN/A
ROICexcg 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 RankSector 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%