CAMBRIDGE BANCORP (CATC) Stock Fundamental Analysis
USA - NASDAQ:CATC - US1321521098 - Common Stock
73.59 USD
-0.31 (-0.42%)
74.0848 USD
+0.49 (+0.67%)
Overall CATC gets a fundamental rating of 2 out of 10. We evaluated CATC against 390 industry peers in the Banks industry. CATC has a bad profitability rating. Also its financial health evaluation is rather negative. CATC is valied quite expensively at the moment, while it does show a decent growth rate. 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.
CATC had positive earnings in each of the past 5 years.
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 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 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 more shares outstanding than it did 5 years ago.
CATC has a worse debt/assets ratio than last year.
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.
CATC's Debt to Equity ratio of 0.85 is on the low side compared to the rest of the industry. CATC is outperformed by 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
The earnings per share for CATC have decreased strongly by -40.11% in the last year.
Measured over the past years, CATC shows a decrease in Earnings Per Share. The EPS has been decreasing by -5.52% on average per year.
CATC shows a very negative growth in Revenue. In the last year, the Revenue has decreased by -12.71%.
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
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.
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
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
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 the industry average as 74.51% of the companies are valued more cheaply.
CATC's Price/Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 26.19.
CATC is valuated reasonably with a Price/Forward Earnings ratio of 11.55.
Compared to the rest of the industry, the Price/Forward Earnings ratio of CATC is on the same level as its industry peers.
Compared to an average S&P500 Price/Forward Earnings ratio of 22.50, CATC is valued a bit cheaper.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 16.32 | ||
| Fwd PE | 11.55 |
4.2 Price Multiples
Based on the Price/Free Cash Flow ratio, CATC is valued a bit more expensive than 71.81% of the companies 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 3.49, 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 2.33.
| 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 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%.