CAMBRIDGE BANCORP (CATC) Fundamental Analysis & Valuation

NASDAQ:CATC • US1321521098

73.59 USD
-0.31 (-0.42%)
At close: Jul 12, 2024
74.0848 USD
+0.49 (+0.67%)
After Hours: 7/12/2024, 8:22:53 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Forecast Earnings Financials Ownership News

This CATC fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

Fundamental Rating

2

CATC gets a fundamental rating of 2 out of 10. The analysis compared the fundamentals against 381 industry peers in the Banks industry. Both the profitability and financial health of CATC have multiple concerns. CATC is valied quite expensively at the moment, while it does show a decent growth rate. Finally CATC also has an excellent dividend rating.


Dividend Valuation Growth Profitability Health

2

1. CATC Profitability Analysis

1.1 Basic Checks

  • CATC had positive earnings in the past year.
  • 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 2016 2017 2018 2019 2020 2021 2022 2023 20M 40M 60M

1.2 Ratios

  • CATC has a worse Return On Assets (0.63%) than 68.38% of its industry peers.
  • The Return On Equity of CATC (6.37%) is worse than 69.36% of its industry peers.
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 2016 2017 2018 2019 2020 2021 2022 2023 5 10

1.3 Margins

  • With a Profit Margin value of 20.96%, CATC is not doing good in the industry: 61.27% of the companies in the same industry are doing better.
  • 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 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 2016 2017 2018 2019 2020 2021 2022 2023 10 20 30

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0

2. CATC Health Analysis

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.
  • CATC has a worse debt/assets ratio than last year.
CATC Yearly Shares OutstandingCATC Yearly Shares OutstandingYearly Shares Outstanding 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 2016 2017 2018 2019 2020 2021 2022 2023 1B 2B 3B 4B 5B

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.
  • Looking at the Debt to FCF ratio, with a value of 14.26, CATC is doing worse than 79.66% of the companies in the same industry.
  • A Debt/Equity ratio of 0.85 indicates that CATC is somewhat dependend on debt financing.
  • CATC has a Debt to Equity ratio of 0.85. This is amonst the worse of the industry: CATC underperforms 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 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

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

4

3. CATC Growth Analysis

3.1 Past

  • CATC shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -40.11%.
  • 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.
  • The Revenue for CATC has decreased by -12.71% in the past year. This is quite bad
  • 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

  • Based on estimates for the next years, CATC will show a quite strong growth in Earnings Per Share. The EPS will grow by 11.69% on average per year.
  • The Revenue is expected to grow by 5.94% on average over the next years.
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

  • The EPS growth rate is accelerating: in the next years the growth will be better than in the last years.
  • The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.
CATC Yearly Revenue VS EstimatesCATC Yearly Revenue VS EstimatesYearly Revenue VS Estimates 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

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2

4. CATC Valuation Analysis

4.1 Price/Earnings Ratio

  • CATC is valuated correctly with a Price/Earnings ratio of 16.32.
  • 74.51% of the companies in the same industry are cheaper than CATC, based on the Price/Earnings ratio.
  • When comparing the Price/Earnings ratio of CATC to the average of the S&P500 Index (26.29), we can say CATC is valued slightly cheaper.
  • The Price/Forward Earnings ratio is 11.55, which indicates a very decent 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 (24.57), 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 5 10 15 20 25

4.2 Price Multiples

  • CATC's Price/Free Cash Flow ratio is a bit more expensive when compared to the industry. CATC is more expensive than 71.81% of the companies in the same industry.
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

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Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

7

5. CATC Dividend Analysis

5.1 Amount

  • CATC has a Yearly Dividend Yield of 3.64%.
  • Compared to an average industry Dividend Yield of 2.83, 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 1.82.
Industry RankSector 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 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 Years19
Div Non Decr Years19
CATC Yearly Dividends per shareCATC Yearly Dividends per shareYearly Dividends per share 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 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

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CATC Fundamentals: All Metrics, Ratios and Statistics

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
Earnings (Next)10-15
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 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
Graham NumberN/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
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 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%

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%.