CAMBRIDGE BANCORP (CATC) Fundamental Analysis & Valuation

NASDAQ:CATC • US1321521098

Current stock price

73.59 USD
-0.31 (-0.42%)
At close:
74.0848 USD
+0.49 (+0.67%)
After Hours:

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

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 Return On Assets of 0.63%. This is in the lower half of the industry: CATC underperforms 68.38% of its industry peers.
  • CATC has a Return On Equity of 6.37%. This is in the lower half of the industry: CATC underperforms 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.
  • 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 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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ROAROEROICOperating and Profit MarginShow most profitable peers

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.
  • CATC has more shares outstanding than it did 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.
  • 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.
  • A Debt/Equity ratio of 0.85 indicates that 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 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%.
  • The Earnings Per Share has been decreasing by -5.52% on average over the past years.
  • Looking at the last year, CATC shows a very negative growth in Revenue. The Revenue has decreased by -12.71% in the last year.
  • 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

  • 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.
  • 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

  • Based on the Price/Earnings ratio of 16.32, the valuation of CATC can be described as correct.
  • Based on the Price/Earnings ratio, CATC is valued a bit more expensive than the industry average as 74.51% of the companies are valued more cheaply.
  • The average S&P500 Price/Earnings ratio is at 27.42. CATC is valued slightly cheaper when compared to this.
  • 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 (22.24), we can say CATC is valued slightly cheaper.
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

  • 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

More info and screens

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%.
  • CATC's Dividend Yield is a higher than the industry average which is at 2.56.
  • Compared to an average S&P500 Dividend Yield of 1.81, 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 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 Number0 (-100%)
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 Fundamental Analysis FAQ

What is the fundamental rating for CATC stock?

ChartMill assigns a fundamental rating of 2 / 10 to CATC.


Can you provide the valuation status for CAMBRIDGE BANCORP?

ChartMill assigns a valuation rating of 2 / 10 to CAMBRIDGE BANCORP (CATC). This can be considered as Overvalued.


Can you provide the profitability details for CAMBRIDGE BANCORP?

CAMBRIDGE BANCORP (CATC) has a profitability rating of 2 / 10.


What is the financial health of CAMBRIDGE BANCORP (CATC) stock?

The financial health rating of CAMBRIDGE BANCORP (CATC) is 0 / 10.


How sustainable is the dividend of CAMBRIDGE BANCORP (CATC) stock?

The dividend rating of CAMBRIDGE BANCORP (CATC) is 7 / 10 and the dividend payout ratio is 61.59%.