CAMBRIDGE BANCORP(NASDAQ:CATC) stock Fundamental Analysis

Fundamental Rating

Overall CATC gets a fundamental rating of 2 out of 10. We evaluated CATC against 398 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.

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1. Profitability

1.1 Basic Checks

In the past year CATC was profitable.

In the past year CATC had a positive cash flow from operations.

CATC had positive earnings in each of the past 5 years.

CATC had a positive operating cash flow in each of the past 5 years.

1.2 Ratios

Looking at the Return On Assets, with a value of 0.63%, CATC is doing worse than 68.38% of the companies in the same industry.

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 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

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 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

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ROA

ROE

ROIC

Operating and Profit Margin

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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 5 years ago, CATC has more shares outstanding

The debt/assets ratio for CATC is higher compared to a year ago.

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.

With a Debt to FCF ratio value of 14.26, CATC is not doing good in the industry: 79.66% of the companies in the same industry are doing better.

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 worse Debt to Equity ratio (0.85) 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

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WACC

Debt/Equity

How to determine the health of a company

Altman-Z score

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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

CATC shows quite a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 10.97% yearly.

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.

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4. Valuation

4.1 Price/Earnings Ratio

CATC is valuated correctly with a Price/Earnings ratio of 16.32.

Based on the Price/Earnings ratio, CATC is valued a bit more expensive than 74.51% of the companies in the same industry.

The average S&P500 Price/Earnings ratio is at 28.79. CATC is valued slightly cheaper when compared to this.

A Price/Forward Earnings ratio of 11.55 indicates a reasonable valuation of CATC.

CATC's Price/Forward Earnings is on the same level as the industry average.

Compared to an average S&P500 Price/Forward Earnings ratio of 21.38, CATC is valued a bit cheaper.

		Industry Rank	Sector Rank
PE	16.32
Fwd PE	11.55

4.2 Price Multiples

71.81% of the companies in the same industry are cheaper than CATC, based on the Price/Free Cash Flow ratio.

		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

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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 3.58.

Compared to an average S&P500 Dividend Yield of 2.51, CATC pays a bit more dividend than the S&P500 average.

		Industry Rank	Sector 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 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

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

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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 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

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

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 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) Stock Fundamental Analysis

1. Profitability

1.1 Basic Checks

1.2 Ratios

1.3 Margins

More info and screens

2. Health

2.1 Basic Checks

2.2 Solvency

2.3 Liquidity

More info and screens

3. Growth

3.1 Past

3.2 Future

3.3 Evolution

More info and screens

4. Valuation

4.1 Price/Earnings Ratio

4.2 Price Multiples

4.3 Compensation for Growth

More info and screens

5. Dividend

5.1 Amount

5.2 History

5.3 Sustainability

More info and screens