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Cambridge Bancorp

CATC

(3.2)
Stock Price

220,00 USD

0.54% ROA

5.38% ROE

60.31x PER

Market Cap.

1.726.485.200,00 USD

106.48% DER

0.91% Yield

15.04% NPM

Cambridge Bancorp Stock Analysis

Cambridge Bancorp Fundamental Analysis

Fundamental analysis in stock investing is like studying the foundation of a house before buying it. It involves looking at a company's financial health, like its earnings, assets, and debts, to determine if it's a good investment based on its fundamental strength and potential for growth.

Cambridge Bancorp Fundamental Stock Analysis
# Analysis Rating
1 PBV

The stock's low PBV ratio (0.89x) suggests it's undervalued, making it an attractive opportunity for investors.

2 Revenue Growth

With a track record of consistent revenue growth in the past five years, this company presents a compelling opportunity.

3 Dividend Growth

The company has demonstrated exceptional dividend growth over the past five years, consistently increasing payouts to shareholders year after year.

4 Dividend

The company's consistent dividend payouts over the past five years exemplify its strong commitment to providing shareholders with reliable returns, making it an attractive investment option.

5 ROE

The stock's ROE falls within an average range (7.13%), demonstrating satisfactory profitability and efficiency in utilizing shareholders' equity.

6 ROA

The stock's ROA (0.69%) shows that it's doing a pretty good job at making money from its assets, making it a solid choice to invest and earn steady profits.

7 DER

The stock has a reasonable amount of debt compared to its ownership (54%), suggesting a balanced financial position and a moderate level of risk.

8 Graham Number

Based on the Graham number, this company's stock price appears to be lower than its intrinsic value, signaling a potentially favorable investment choice.

9 Buffet Intrinsic Value

The company's stock shows potential as it is undervalued (308) according to Warren Buffett's formula, indicating that its intrinsic value exceeds the market price.

10 Net Profit Growth

This company's net profit has remained stagnant over the past five years, indicating a lack of growth and making it a less favorable investment option.

11 Assets Growth

Company's revenue has stayed stagnant, showing no signs of improvement and making it a less favorable choice.

Cambridge Bancorp Technical Analysis

Technical analysis in stock investing is like reading the patterns on a weather map to predict future weather conditions. It involves studying past stock price movements and trading volumes to make predictions about where a stock's price might go next, without necessarily looking at the company's financial health.

Cambridge Bancorp Technical Stock Analysis
# Analysis Recommendation
1 Awesome Oscillator Sell
2 MACD Buy
3 RSI Hold
4 Stoch RSI Sell

Cambridge Bancorp Price Chart

Financial Statements

Financial statements are like report cards for companies. They show how much money a company makes (income statement), what it owns and owes (balance sheet), and where it spends its money (cash flow statement), helping stock investors understand if a company is healthy and worth investing in.

Income Statements

An income statement for a company is like a scoreboard for its profits and losses. It shows how much money the company made (revenue) and how much it spent to make that money (expenses), helping stock investors see if a company is making a profit or not.

Revenue in stock investing is the total amount of money a company earns from its sales, and it's a key factor that investors consider to assess a company's financial performance and growth potential.

Cambridge Bancorp Revenue
Year Revenue Growth
2002 43.042.000
2003 43.870.000 1.89%
2004 47.811.000 8.24%
2005 44.785.000 -6.76%
2006 46.314.000 3.3%
2007 47.655.000 2.81%
2008 51.184.000 6.89%
2012 66.364.000 22.87%
2013 68.648.000 3.33%
2014 72.737.000 5.62%
2015 77.512.000 6.16%
2016 82.334.000 5.86%
2017 87.828.000 6.26%
2018 96.577.000 9.06%
2019 115.097.000 16.09%
2020 159.758.000 27.96%
2021 172.305.000 7.28%
2022 186.224.000 7.47%
2023 222.792.000 16.41%
2023 218.534.000 -1.95%
2024 267.276.000 18.24%

Research and Development Expenses are the costs a company incurs to create and improve its products or services, which can be important for investors to evaluate a company's innovation and potential for future growth.

Cambridge Bancorp Research and Development Expenses
Year Research and Development Expenses Growth
2002 0
2003 0 0%
2004 0 0%
2005 0 0%
2006 0 0%
2007 0 0%
2008 0 0%
2012 0 0%
2013 0 0%
2014 0 0%
2015 0 0%
2016 0 0%
2017 0 0%
2018 0 0%
2019 0 0%
2020 0 0%
2021 0 0%
2022 0 0%
2023 0 0%
2023 0 0%
2024 0 0%

General and Administrative Expenses are the costs a company incurs to run its day-to-day operations, such as office rent, salaries, and utilities, which investors consider to understand a company's overall efficiency and management effectiveness.

Cambridge Bancorp General and Administrative Expenses
Year General and Administrative Expenses Growth
2002 17.685.000
2003 18.031.000 1.92%
2004 17.638.000 -2.23%
2005 18.277.000 3.5%
2006 19.151.000 4.56%
2007 22.032.000 13.08%
2008 21.004.000 -4.89%
2012 30.878.000 31.98%
2013 30.207.000 -2.22%
2014 31.090.000 2.84%
2015 34.245.000 9.21%
2016 37.682.000 9.12%
2017 37.336.000 -0.93%
2018 41.786.000 10.65%
2019 47.785.000 12.55%
2020 59.967.000 20.31%
2021 66.445.000 9.75%
2022 71.954.000 7.66%
2023 72.168.000 0.3%
2023 72.641.000 0.65%
2024 72.468.000 -0.24%

EBITDA stands for Earnings Before Interest, Taxes, Depreciation, and Amortization. It is a measure that helps stock investors analyze a company's profitability by looking at its earnings without considering certain expenses. This helps to get a clearer picture of the company's financial performance and its ability to generate cash flow.

Cambridge Bancorp EBITDA
Year EBITDA Growth
2002 13.480.000
2003 15.848.000 14.94%
2004 18.315.000 13.47%
2005 16.511.000 -10.93%
2006 23.190.000 28.8%
2007 26.861.000 13.67%
2008 25.642.000 -4.75%
2012 24.338.000 -5.36%
2013 24.800.000 1.86%
2014 26.095.000 4.96%
2015 27.874.000 6.38%
2016 30.914.000 9.83%
2017 33.709.000 8.29%
2018 38.443.000 12.31%
2019 35.922.000 -7.02%
2020 35.229.000 -1.97%
2021 71.277.000 50.57%
2022 88.739.000 19.68%
2023 37.408.000 -137.22%
2023 46.409.000 19.39%
2024 -8.848.000 624.51%

Gross profit is the money a company makes from selling its products or services after subtracting the cost of producing or providing them, and it is an important measure for investors to understand a company's profitability.

Cambridge Bancorp Gross Profit
Year Gross Profit Growth
2002 43.042.000
2003 43.870.000 1.89%
2004 47.811.000 8.24%
2005 44.785.000 -6.76%
2006 46.314.000 3.3%
2007 47.655.000 2.81%
2008 51.184.000 6.89%
2012 66.364.000 22.87%
2013 68.648.000 3.33%
2014 72.737.000 5.62%
2015 77.512.000 6.16%
2016 82.334.000 5.86%
2017 87.828.000 6.26%
2018 96.577.000 9.06%
2019 110.376.000 12.5%
2020 152.146.000 27.45%
2021 172.305.000 11.7%
2022 186.224.000 7.47%
2023 222.792.000 16.41%
2023 218.534.000 -1.95%
2024 224.852.000 2.81%

Net income in stock investing is like the money a company actually gets to keep as profit after paying all its bills, and it's an important measure to understand how well a company is doing financially.

Cambridge Bancorp Net Profit
Year Net Profit Growth
2002 2.414.000
2003 6.103.000 60.45%
2004 8.184.000 25.43%
2005 7.723.000 -5.97%
2006 8.680.000 11.03%
2007 9.243.000 6.09%
2008 9.613.000 3.85%
2012 13.403.000 28.28%
2013 14.140.000 5.21%
2014 14.944.000 5.38%
2015 15.694.000 4.78%
2016 16.896.000 7.11%
2017 14.816.000 -14.04%
2018 23.881.000 37.96%
2019 25.257.000 5.45%
2020 31.959.000 20.97%
2021 54.024.000 40.84%
2022 52.909.000 -2.11%
2023 26.176.000 -102.13%
2023 34.109.000 23.26%
2024 27.552.000 -23.8%

EPS, or earnings per share, is a measure that shows how much profit a company has earned for each outstanding share of its stock, and it is important for stock investors as it helps understand the profitability of a company and compare it with other companies in the market.

Cambridge Bancorp Earning per Share (EPS)
Year Earning per Share (EPS) Growth
2002 1
2003 2 100%
2004 2 50%
2005 2 -100%
2006 2 50%
2007 2 0%
2008 3 0%
2012 3 33.33%
2013 4 0%
2014 4 0%
2015 4 0%
2016 4 25%
2017 4 -33.33%
2018 6 40%
2019 5 0%
2020 5 0%
2021 8 28.57%
2022 7 0%
2023 3 -133.33%
2023 4 25%
2024 4 -33.33%

Cashflow Statements

Cashflow statements show the movement of money in and out of a company, helping stock investors understand how much money a company makes and spends. By examining cashflow statements, investors can assess if a company is generating enough cash to pay its bills, invest in growth, and provide returns to stockholders.

Free cash flow is the leftover cash that a company generates after covering its operating expenses and capital expenditures, which is important for stock investors as it shows how much money a company has available to invest in growth, pay dividends, or reduce debt.

Cambridge Bancorp Free Cashflow
Year Free Cashflow Growth
2002 6.292.000
2003 15.528.000 59.48%
2004 6.753.000 -129.94%
2006 9.491.000 28.85%
2007 11.288.000 15.92%
2008 10.688.000 -5.61%
2012 4.473.000 -138.94%
2013 17.889.000 75%
2014 15.868.000 -12.74%
2015 15.077.000 -5.25%
2016 14.020.000 -7.54%
2017 27.908.000 49.76%
2018 22.867.000 -22.04%
2019 26.897.000 14.98%
2020 34.579.000 22.22%
2021 63.475.000 45.52%
2022 50.174.000 -26.51%
2023 28.647.000 -75.15%
2023 31.718.000 9.68%
2024 1.416.000 -2139.97%

Operating cash flow represents the cash generated or consumed by a company's day-to-day operations, excluding external investing or financing activities, and is crucial for stock investors as it shows how much cash a company is generating from its core business operations.

Cambridge Bancorp Operating Cashflow
Year Operating Cashflow Growth
2002 7.561.000
2003 16.954.000 55.4%
2004 7.461.000 -127.23%
2006 10.955.000 31.89%
2007 12.178.000 10.04%
2008 12.750.000 4.49%
2012 5.901.000 -116.07%
2013 23.195.000 74.56%
2014 16.101.000 -44.06%
2015 20.016.000 19.56%
2016 15.207.000 -31.62%
2017 28.715.000 47.04%
2018 24.022.000 -19.54%
2019 28.793.000 16.57%
2020 36.797.000 21.75%
2021 65.508.000 43.83%
2022 51.950.000 -26.1%
2023 28.647.000 -81.35%
2023 33.090.000 13.43%
2024 1.481.000 -2134.3%

Capex, short for capital expenditures, refers to the money a company spends on acquiring or upgrading tangible assets like buildings, equipment, or technology, which is important for stock investors as it indicates how much a company is investing in its infrastructure to support future growth and profitability.

Cambridge Bancorp Capital Expenditure
Year Capital Expenditure Growth
2002 1.269.000
2003 1.426.000 11.01%
2004 708.000 -101.41%
2006 1.464.000 51.64%
2007 890.000 -64.49%
2008 2.062.000 56.84%
2012 1.428.000 -44.4%
2013 5.306.000 73.09%
2014 233.000 -2177.25%
2015 4.939.000 95.28%
2016 1.187.000 -316.09%
2017 807.000 -47.09%
2018 1.155.000 30.13%
2019 1.896.000 39.08%
2020 2.218.000 14.52%
2021 2.033.000 -9.1%
2022 1.776.000 -14.47%
2023 0 0%
2023 1.372.000 100%
2024 65.000 -2010.77%

Balance Sheet

Balance sheets provide a snapshot of a company's financial health and its assets (such as cash, inventory, and property) and liabilities (like debts and obligations) at a specific point in time. For stock investors, balance sheets help assess the company's overall worth and evaluate its ability to meet financial obligations and support future growth.

Equity refers to the ownership interest or stake that shareholders have in a company, representing their claim on its assets and earnings after all debts and liabilities are paid.

Cambridge Bancorp Equity
Year Equity Growth
2002 59.136.000
2003 59.605.000 0.79%
2004 61.525.000 3.12%
2005 60.416.000 -1.84%
2006 63.253.000 4.49%
2007 69.692.000 9.24%
2008 76.044.000 8.35%
2012 104.891.000 27.5%
2013 109.283.000 4.02%
2014 116.258.000 6%
2015 125.063.000 7.04%
2016 134.671.000 7.13%
2017 147.957.000 8.98%
2018 167.026.000 11.42%
2019 286.561.000 41.71%
2020 401.732.000 28.67%
2021 437.837.000 8.25%
2022 517.552.000 15.4%
2023 526.031.000 1.61%
2023 534.573.000 1.6%
2024 535.596.000 0.19%

Assets represent the valuable resources that a company owns, such as cash, inventory, property, and equipment, and understanding a company's assets helps investors assess its value and potential for generating future profits.

Cambridge Bancorp Assets
Year Assets Growth
2002 667.795.000
2003 693.187.000 3.66%
2004 723.195.000 4.15%
2005 743.124.000 2.68%
2006 773.013.000 3.87%
2007 849.588.000 9.01%
2008 917.212.000 7.37%
2012 1.417.986.000 35.32%
2013 1.533.710.000 7.55%
2014 1.573.692.000 2.54%
2015 1.706.201.000 7.77%
2016 1.848.999.000 7.72%
2017 1.949.934.000 5.18%
2018 2.101.384.000 7.21%
2019 2.855.563.000 26.41%
2020 3.949.297.000 27.69%
2021 4.891.544.000 19.26%
2022 5.559.737.000 12.02%
2023 5.452.030.000 -1.98%
2023 5.432.289.000 -0.36%
2024 5.373.840.000 -1.09%

Liabilities refer to the financial obligations or debts that a company owes to creditors or external parties, and understanding a company's liabilities is important for investors as it helps assess the company's financial risk and ability to meet its obligations.

Cambridge Bancorp Liabilities
Year Liabilities Growth
2002 608.659.000
2003 633.582.000 3.93%
2004 661.670.000 4.25%
2005 682.708.000 3.08%
2006 709.760.000 3.81%
2007 779.896.000 8.99%
2008 841.168.000 7.28%
2012 1.313.095.000 35.94%
2013 1.424.427.000 7.82%
2014 1.457.434.000 2.26%
2015 1.581.138.000 7.82%
2016 1.714.328.000 7.77%
2017 1.801.977.000 4.86%
2018 1.934.358.000 6.84%
2019 2.569.002.000 24.7%
2020 3.547.565.000 27.58%
2021 50.381.000 -6941.47%
2022 5.042.185.000 99%
2023 4.925.999.000 -2.36%
2023 4.897.716.000 -0.58%
2024 4.838.244.000 -1.23%

Cambridge Bancorp Financial Ratio (TTM)

Valuation Metrics

Revenue per Share
27.98
Net Income per Share
3.65
Price to Earning Ratio
60.31x
Price To Sales Ratio
7.87x
POCF Ratio
57.43
PFCF Ratio
59.7
Price to Book Ratio
3.22
EV to Sales
10.34
EV Over EBITDA
43.59
EV to Operating CashFlow
75.53
EV to FreeCashFlow
78.4
Earnings Yield
0.02
FreeCashFlow Yield
0.02
Market Cap
1,73 Bil.
Enterprise Value
2,27 Bil.
Graham Number
74.9
Graham NetNet
-666.64

Income Statement Metrics

Net Income per Share
3.65
Income Quality
1.05
ROE
0.05
Return On Assets
0.01
Return On Capital Employed
0.01
Net Income per EBT
0.73
EBT Per Ebit
0.6
Ebit per Revenue
0.35
Effective Tax Rate
0.27

Margins

Sales, General, & Administrative to Revenue
0.33
Research & Developement to Revenue
0
Stock Based Compensation to Revenue
0.01
Gross Profit Margin
1
Operating Profit Margin
0.35
Pretax Profit Margin
0.21
Net Profit Margin
0.15

Dividends

Dividend Yield
0.01
Dividend Yield %
0.91
Payout Ratio
0.74
Dividend Per Share
2.01

Operating Metrics

Operating Cashflow per Share
3.83
Free CashFlow per Share
3.69
Capex to Operating CashFlow
0.04
Capex to Revenue
0.01
Capex to Depreciation
0.87
Return on Invested Capital
0.04
Return on Tangible Assets
0.01
Days Sales Outstanding
25.35
Days Payables Outstanding
0
Days of Inventory on Hand
-38501.92
Receivables Turnover
14.4
Payables Turnover
0
Inventory Turnover
-0.01
Capex per Share
0.14

Balance Sheet

Cash per Share
20,79
Book Value per Share
68,36
Tangible Book Value per Share
59.31
Shareholders Equity per Share
68.36
Interest Debt per Share
86.75
Debt to Equity
1.06
Debt to Assets
0.11
Net Debt to EBITDA
10.4
Current Ratio
0.02
Tangible Asset Value
0,46 Bil.
Net Current Asset Value
-4,79 Bil.
Invested Capital
1.06
Working Capital
-1,86 Bil.
Intangibles to Total Assets
0.01
Average Receivables
0,02 Bil.
Average Payables
0,00 Bil.
Average Inventory
-583152000
Debt to Market Cap
0.33

Dividends

Dividends in stock investing are like rewards that companies give to their shareholders. They are a portion of the company's profits distributed to investors, typically in the form of cash payments, as a way for them to share in the company's success.

Cambridge Bancorp Dividends
Year Dividends Growth
2001 2
2002 1 -100%
2003 1 0%
2004 1 0%
2005 1 100%
2006 1 0%
2007 1 0%
2008 1 0%
2009 1 0%
2010 1 0%
2011 1 0%
2012 2 0%
2013 2 0%
2014 2 0%
2015 2 0%
2016 2 0%
2017 2 0%
2018 2 0%
2019 2 50%
2020 2 0%
2021 2 0%
2022 3 0%
2023 3 0%
2024 1 -100%

Cambridge Bancorp Profile

About Cambridge Bancorp

Cambridge Bancorp operates as the bank holding company for Cambridge Trust Company that provides commercial and consumer banking, and investment management and trust services. The company accepts various deposits, such as checking, savings, money market, trust, and individual retirement accounts; and time and demand deposits, and certificates of deposit. Its loan products include residential and commercial real estate loans; home equity lines of credit and term loans; commercial and industrial loans; secured and unsecured loans, lines of credit, and personal installment loans; and construction loans. The company also offers cash management, online and mobile banking, and payments services. It serves commercial enterprises, non-profit organizations, and individuals. The company operates through a network of 19 banking offices in Eastern Massachusetts and New Hampshire; and two wealth management offices located in Massachusetts, as well as three wealth management offices located in New Hampshire. Cambridge Bancorp was founded in 1890 and is headquartered in Cambridge, Massachusetts.

CEO
Mr. Denis K. Sheahan
Employee
407
Address
1336 Massachusetts Avenue
Cambridge, 02138

Cambridge Bancorp Executives & BODs

Cambridge Bancorp Executives & BODs
# Name Age
1 Mr. Puneet Nevatia
Senior Vice President & Chief Information Officer
70
2 Ms. Danielle Remis Hackel
Senior Vice President & Chief Marketing Officer
70
3 Mr. John Steven Traynor
President of Cambridge Trust Wealth Management-Connecticut
70
4 Mr. Jeffrey F. Smith CFP, CRPC
Executive Vice President & Head of Wealth Management
70
5 Ms. Kerri A. Mooney
Senior Vice President & Chief Deposit Officer
70
6 Ms. Pilar Pueyo
Senior Vice President & Director of Human Resources
70
7 Mr. Denis K. Sheahan
Chairman, President & Chief Executive Officer
70
8 Mr. Joseph P. Sapienza
Interim Chief Financial Officer, SVice President, Director of Accounting & Controller
70
9 Mr. Daniel R. Morrison
Chief Executive Officer of New Hampshire Market & Director
70
10 Mr. John J. Sullivan
Senior Vice President & Director of Consumer Lending
70

Cambridge Bancorp Competitors