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. Finally CATC also has an excellent dividend rating.
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.
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
The Return On Assets of CATC (0.63%) is worse than 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 has a Profit Margin of 20.96%. This is in the lower half of the industry: CATC underperforms 61.27% of its industry peers.
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
2. Health
2.1 Basic Checks
CATC does not have a ROIC to compare to the WACC, probably because it is not profitable.
Compared to 1 year ago, CATC has more shares outstanding
CATC has a worse debt/assets ratio than last year.
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.
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.
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 |
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%.
CATC shows a decrease in Earnings Per Share. Measured over the last years, the EPS has been decreasing by -5.52% yearly.
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
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.
4. Valuation
4.1 Price/Earnings Ratio
With a Price/Earnings ratio of 16.32, CATC is valued correctly.
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.
CATC is valuated rather cheaply when we compare the Price/Earnings ratio to 26.51, which is the current average of the S&P500 Index.
With a Price/Forward Earnings ratio of 11.55, the valuation of CATC can be described as very reasonable.
CATC's Price/Forward Earnings ratio is in line with the industry average.
Compared to an average S&P500 Price/Forward Earnings ratio of 23.13, CATC is valued rather cheaply.
| 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.
CATC's Dividend Yield is a higher than the industry average which is at 2.74.
CATC's Dividend Yield is rather good when compared to the S&P500 average which is at 2.00.
| 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 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
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 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%.