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 388 industry peers in the Banks industry. CATC may be in some trouble as it scores bad on both profitability and health. While showing a medium growth rate, CATC is valued expensive at the moment. CATC also has an excellent dividend rating.
1. Profitability
1.1 Basic Checks
In the past year CATC was profitable.
CATC had a positive operating cash flow in the past year.
Each year in the past 5 years CATC has been profitable.
In the past 5 years CATC always reported a positive cash flow from operatings.
1.2 Ratios
CATC has a worse Return On Assets (0.63%) than 68.38% of its industry peers.
Looking at the Return On Equity, with a value of 6.37%, CATC is doing worse than 69.36% of the companies in the same industry.
| 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
Looking at the Profit Margin, with a value of 20.96%, CATC is doing worse than 61.27% of the companies in the same industry.
In the last couple of years the Profit Margin of CATC has declined.
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
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.
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.
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.
Looking at the Debt to Equity ratio, with a value of 0.85, CATC is doing worse than 81.62% of the companies in the same industry.
| 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.
CATC shows a very negative growth in Revenue. In the last year, the Revenue has decreased by -12.71%.
Measured over the past years, CATC shows a quite strong growth in Revenue. The Revenue has been growing by 10.97% on average per year.
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
CATC is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 11.69% yearly.
Based on estimates for the next years, CATC will show a small growth in Revenue. The Revenue will grow by 5.94% on average per year.
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
A Price/Earnings ratio of 16.32 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 26.77. CATC is valued slightly cheaper when compared to this.
With a Price/Forward Earnings ratio of 11.55, the valuation of CATC can be described as very reasonable.
The rest of the industry has a similar Price/Forward Earnings ratio as CATC.
CATC's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 23.35.
| 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
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 2.74, CATC pays a bit more dividend than its industry peers.
Compared to an average S&P500 Dividend Yield of 2.00, CATC pays a better dividend.
| 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 been paying a dividend for at least 10 years, so it has 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
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 2Y11.69%
EPS Next 3YN/A
73.59
-0.31 (-0.42%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
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 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
Graham NumberN/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
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 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 FAQ
What is the fundamental rating for CATC stock?
ChartMill assigns a fundamental rating of 2 / 10 to CATC.
What is the valuation status of CAMBRIDGE BANCORP (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.
What are the PE and PB ratios of CAMBRIDGE BANCORP (CATC) stock?
The Price/Earnings (PE) ratio for CAMBRIDGE BANCORP (CATC) is 16.32 and the Price/Book (PB) ratio is 1.08.
Is the dividend of CAMBRIDGE BANCORP sustainable?
The dividend rating of CAMBRIDGE BANCORP (CATC) is 7 / 10 and the dividend payout ratio is 61.59%.