73.59 USD
-0.31 (-0.42%)
74.0848 USD
+0.49 (+0.67%)
Taking everything into account, CATC scores 2 out of 10 in our fundamental rating. CATC was compared to 383 industry peers in the Banks industry. Both the profitability and financial health of CATC have multiple concerns. While showing a medium growth rate, CATC is valued expensive at the moment. 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.
- In the past 5 years CATC has always been profitable.
- CATC had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
- CATC's Return On Assets of 0.63% is on the low side compared to the rest of the industry. CATC is outperformed by 68.38% of its industry peers.
- CATC's Return On Equity of 6.37% is on the low side compared to the rest of the industry. CATC is outperformed by 69.36% of its industry peers.
| 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'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 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.
- Compared to 1 year ago, CATC has a worse debt to assets ratio.
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 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.
- With a Debt to Equity ratio value of 0.85, CATC is not doing good in the industry: 81.62% of the companies in the same industry are doing better.
| 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
- CATC shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -40.11%.
- The Earnings Per Share has been decreasing by -5.52% on average over the past years.
- 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
- The Earnings Per Share is expected to grow by 11.69% on average over the next years. This is quite good.
- 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.
4. Valuation
4.1 Price/Earnings Ratio
- Based on the Price/Earnings ratio of 16.32, the valuation of CATC can be described as correct.
- Compared to the rest of the industry, the Price/Earnings ratio of CATC indicates a slightly more expensive valuation: CATC is more expensive than 74.51% of the companies listed in the same industry.
- When comparing the Price/Earnings ratio of CATC to the average of the S&P500 Index (28.39), we can say CATC is valued slightly cheaper.
- CATC is valuated reasonably with a Price/Forward Earnings ratio of 11.55.
- CATC's Price/Forward Earnings is on the same level as the industry average.
- The average S&P500 Price/Forward Earnings ratio is at 25.72. CATC is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 16.32 | ||
| Fwd PE | 11.55 |
4.2 Price Multiples
- Compared to the rest of the industry, the Price/Free Cash Flow ratio of CATC indicates a slightly more expensive valuation: CATC is more expensive than 71.81% of the companies listed 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.
- Compared to an average industry Dividend Yield of 2.65, 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 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 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
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
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%.