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GuruFocus Financial Strength Rank measures how strong a company’s financial situation is. It is based on these factors

1. The debt burden that the company has as measured by its Interest coverage (current year).
2. Debt to revenue ratio. The lower, the better
3. Altman Z-score.

A company ranks high with financial strength is likely to withstand any business slowdowns and recessions.

Financial Strength : 6/10

vs
industry
vs
history
Cash-to-Debt 14.43
CATC's Cash-to-Debt is ranked higher than
69% of the 1592 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.23 vs. CATC: 14.43 )
Ranked among companies with meaningful Cash-to-Debt only.
CATC' s Cash-to-Debt Range Over the Past 10 Years
Min: 0.23  Med: 2.26 Max: No Debt
Current: 14.43
Equity-to-Asset 0.07
CATC's Equity-to-Asset is ranked lower than
80% of the 1591 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.10 vs. CATC: 0.07 )
Ranked among companies with meaningful Equity-to-Asset only.
CATC' s Equity-to-Asset Range Over the Past 10 Years
Min: 0.07  Med: 0.08 Max: 0.09
Current: 0.07
0.07
0.09
Interest Coverage 7.73
CATC's Interest Coverage is ranked higher than
87% of the 1515 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.69 vs. CATC: 7.73 )
Ranked among companies with meaningful Interest Coverage only.
CATC' s Interest Coverage Range Over the Past 10 Years
Min: 1.12  Med: 3.58 Max: 10.57
Current: 7.73
1.12
10.57
WACC vs ROIC
4.26%
14.45%
WACC
ROIC
GuruFocus Profitability Rank ranks how profitable a company is and how likely the company’s business will stay that way. It is based on these factors:

1. Operating Margin
2. Trend of the Operating Margin (5-year average). The company with an uptrend profit margin has a higher rank.
••3. Consistency of the profitability
4. Piotroski F-Score
5. Predictability Rank•

The maximum rank is 10. A rank of 7 or higher means a higher profitability and may stay that way. A rank of 3 or lower indicates that the company has had trouble to make a profit.

Profitability Rank is not directly related to the Financial Strength Rank. But if a company is consistently profitable, its financial strength will be stronger.

Profitability & Growth : 7/10

vs
industry
vs
history
Operating Margin % 30.92
CATC's Operating Margin % is ranked lower than
52% of the 1606 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 31.37 vs. CATC: 30.92 )
Ranked among companies with meaningful Operating Margin % only.
CATC' s Operating Margin % Range Over the Past 10 Years
Min: 20.17  Med: 27.94 Max: 30.91
Current: 30.92
20.17
30.91
Net Margin % 20.54
CATC's Net Margin % is ranked lower than
58% of the 1605 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 22.70 vs. CATC: 20.54 )
Ranked among companies with meaningful Net Margin % only.
CATC' s Net Margin % Range Over the Past 10 Years
Min: 13.91  Med: 19.09 Max: 20.6
Current: 20.54
13.91
20.6
ROE % 12.61
CATC's ROE % is ranked higher than
74% of the 1603 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.58 vs. CATC: 12.61 )
Ranked among companies with meaningful ROE % only.
CATC' s ROE % Range Over the Past 10 Years
Min: 10.28  Med: 13.16 Max: 15.12
Current: 12.61
10.28
15.12
ROA % 0.96
CATC's ROA % is ranked higher than
55% of the 1612 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.90 vs. CATC: 0.96 )
Ranked among companies with meaningful ROA % only.
CATC' s ROA % Range Over the Past 10 Years
Min: 0.9  Med: 1.07 Max: 1.16
Current: 0.96
0.9
1.16
3-Year Revenue Growth Rate 5.20
CATC's 3-Year Revenue Growth Rate is ranked higher than
55% of the 1354 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 4.20 vs. CATC: 5.20 )
Ranked among companies with meaningful 3-Year Revenue Growth Rate only.
CATC' s 3-Year Revenue Growth Rate Range Over the Past 10 Years
Min: 1.4  Med: 5.95 Max: 14
Current: 5.2
1.4
14
3-Year EBITDA Growth Rate 5.70
CATC's 3-Year EBITDA Growth Rate is ranked lower than
52% of the 1256 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.40 vs. CATC: 5.70 )
Ranked among companies with meaningful 3-Year EBITDA Growth Rate only.
CATC' s 3-Year EBITDA Growth Rate Range Over the Past 10 Years
Min: 0.2  Med: 9.5 Max: 16
Current: 5.7
0.2
16
3-Year EPS without NRI Growth Rate 4.70
CATC's 3-Year EPS without NRI Growth Rate is ranked lower than
57% of the 1226 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.40 vs. CATC: 4.70 )
Ranked among companies with meaningful 3-Year EPS without NRI Growth Rate only.
CATC' s 3-Year EPS without NRI Growth Rate Range Over the Past 10 Years
Min: 4.7  Med: 12.15 Max: 17.4
Current: 4.7
4.7
17.4
GuruFocus has detected 4 Warning Signs with Cambridge Bancorp $CATC.
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» CATC's 10-Y Financials

Financials


Revenue & Net Income
Equity & Asset
Operating Cash Flow & Free Cash Flow
Operating Cash Flow & Net Income

» Details

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Business Description

Industry: Banks » Banks - Regional - US    NAICS: 522110    SIC: 6022
Compare:NAS:BWFG, NAS:NKSH, NAS:FBMS, OTCPK:IALB, NAS:MBTF, NAS:BLMT, OTCPK:ALRS, NAS:CVCY, NAS:BFIN, NAS:CZNC, NAS:TBBK, NAS:ATLO, NAS:MBRG, NAS:LCNB, NAS:PBNC, NAS:SMMF, NAS:FNLC, NAS:CHFN, NAS:MFSF, NAS:FCFP » details
Headquarter Location:USA
Cambridge Bancorp is a federally registered bank. It offers commercial & consumer banking services & attracts deposits from the public & invests in types of loans, including residential & commercial real estate and personal loans.

Cambridge Bancorp was incorporated in 1986. It is a bank holding company for Cambridge Trust Company. The Bank offers a full range of commercial and consumer banking services through its network of ten full-service banking offices in Massachusetts. The Bank is engaged mainly in the business of attracting deposits from the public and investing those deposits. The Bank invests those funds in various types of loans, including residential and commercial real estate, and a variety of commercial and consumer loans. The Bank also invests its deposits and borrowed funds in investment securities and has three wholly-owned Massachusetts Security Corporations, CTC Security Corporation, CTC Security Corporation II and CTC Security Corporation III, for this purpose. Deposits at the Bank are insured by the Federal Deposit Insurance Corporation (FDIC) for the maximum permitted by FDIC Regulations.

Ratios

vs
industry
vs
history
PE Ratio 15.78
CATC's PE Ratio is ranked lower than
55% of the 1510 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.59 vs. CATC: 15.78 )
Ranked among companies with meaningful PE Ratio only.
CATC' s PE Ratio Range Over the Past 10 Years
Min: 8.43  Med: 13.76 Max: 23.6
Current: 15.78
8.43
23.6
PE Ratio without NRI 15.78
CATC's PE Ratio without NRI is ranked lower than
55% of the 1477 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.63 vs. CATC: 15.78 )
Ranked among companies with meaningful PE Ratio without NRI only.
CATC' s PE Ratio without NRI Range Over the Past 10 Years
Min: 8.43  Med: 13.76 Max: 23.6
Current: 15.78
8.43
23.6
Price-to-Owner-Earnings 55.56
CATC's Price-to-Owner-Earnings is ranked lower than
94% of the 882 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.21 vs. CATC: 55.56 )
Ranked among companies with meaningful Price-to-Owner-Earnings only.
CATC' s Price-to-Owner-Earnings Range Over the Past 10 Years
Min: 22.9  Med: 24.09 Max: 24.43
Current: 55.56
22.9
24.43
PB Ratio 1.96
CATC's PB Ratio is ranked lower than
83% of the 1611 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.20 vs. CATC: 1.96 )
Ranked among companies with meaningful PB Ratio only.
CATC' s PB Ratio Range Over the Past 10 Years
Min: 1.01  Med: 1.61 Max: 2.24
Current: 1.96
1.01
2.24
PS Ratio 4.23
CATC's PS Ratio is ranked lower than
64% of the 1586 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.40 vs. CATC: 4.23 )
Ranked among companies with meaningful PS Ratio only.
CATC' s PS Ratio Range Over the Past 10 Years
Min: 1.52  Med: 2.49 Max: 10.18
Current: 4.23
1.52
10.18
EV-to-EBIT 8.34
CATC's EV-to-EBIT is ranked higher than
67% of the 1668 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.52 vs. CATC: 8.34 )
Ranked among companies with meaningful EV-to-EBIT only.
CATC' s EV-to-EBIT Range Over the Past 10 Years
Min: 5.8  Med: 9.4 Max: 15.7
Current: 8.34
5.8
15.7
EV-to-EBITDA 8.34
CATC's EV-to-EBITDA is ranked higher than
64% of the 1685 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.29 vs. CATC: 8.34 )
Ranked among companies with meaningful EV-to-EBITDA only.
CATC' s EV-to-EBITDA Range Over the Past 10 Years
Min: 5.8  Med: 9.4 Max: 15.7
Current: 8.34
5.8
15.7
PEG Ratio 1.60
CATC's PEG Ratio is ranked lower than
55% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.43 vs. CATC: 1.60 )
Ranked among companies with meaningful PEG Ratio only.
CATC' s PEG Ratio Range Over the Past 10 Years
Min: 1.03  Med: 2.49 Max: 4.01
Current: 1.6
1.03
4.01

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield % 2.81
CATC's Dividend Yield % is ranked higher than
53% of the 2319 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.69 vs. CATC: 2.81 )
Ranked among companies with meaningful Dividend Yield % only.
CATC' s Dividend Yield % Range Over the Past 10 Years
Min: 1.79  Med: 3.67 Max: 6.19
Current: 2.81
1.79
6.19
Dividend Payout Ratio 0.44
CATC's Dividend Payout Ratio is ranked lower than
68% of the 1315 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.33 vs. CATC: 0.44 )
Ranked among companies with meaningful Dividend Payout Ratio only.
CATC' s Dividend Payout Ratio Range Over the Past 10 Years
Min: 0.44  Med: 0.46 Max: 0.5
Current: 0.44
0.44
0.5
3-Year Dividend Growth Rate 4.80
CATC's 3-Year Dividend Growth Rate is ranked lower than
59% of the 768 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.20 vs. CATC: 4.80 )
Ranked among companies with meaningful 3-Year Dividend Growth Rate only.
CATC' s 3-Year Dividend Growth Rate Range Over the Past 10 Years
Min: 0  Med: 2.4 Max: 14.5
Current: 4.8
0
14.5
Forward Dividend Yield % 2.81
CATC's Forward Dividend Yield % is ranked lower than
52% of the 2248 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.73 vs. CATC: 2.81 )
Ranked among companies with meaningful Forward Dividend Yield % only.
N/A
5-Year Yield-on-Cost % 4.48
CATC's 5-Year Yield-on-Cost % is ranked higher than
65% of the 2649 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.31 vs. CATC: 4.48 )
Ranked among companies with meaningful 5-Year Yield-on-Cost % only.
CATC' s 5-Year Yield-on-Cost % Range Over the Past 10 Years
Min: 2.86  Med: 5.86 Max: 9.88
Current: 4.48
2.86
9.88
3-Year Average Share Buyback Ratio -1.10
CATC's 3-Year Average Share Buyback Ratio is ranked higher than
56% of the 1042 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -1.80 vs. CATC: -1.10 )
Ranked among companies with meaningful 3-Year Average Share Buyback Ratio only.
CATC' s 3-Year Average Share Buyback Ratio Range Over the Past 10 Years
Min: -2.2  Med: 0.35 Max: 2.1
Current: -1.1
-2.2
2.1

Valuation & Return

vs
industry
vs
history
Price-to-Tangible-Book 1.96
CATC's Price-to-Tangible-Book is ranked lower than
76% of the 1576 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.27 vs. CATC: 1.96 )
Ranked among companies with meaningful Price-to-Tangible-Book only.
CATC' s Price-to-Tangible-Book Range Over the Past 10 Years
Min: 1.28  Med: 1.73 Max: 2.38
Current: 1.96
1.28
2.38
Price-to-Intrinsic-Value-Projected-FCF 2.45
CATC's Price-to-Intrinsic-Value-Projected-FCF is ranked lower than
95% of the 869 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.78 vs. CATC: 2.45 )
Ranked among companies with meaningful Price-to-Intrinsic-Value-Projected-FCF only.
CATC' s Price-to-Intrinsic-Value-Projected-FCF Range Over the Past 10 Years
Min: 0.83  Med: 1.89 Max: 2.33
Current: 2.45
0.83
2.33
Price-to-Intrinsic-Value-DCF (Earnings Based) 0.97
CATC's Price-to-Intrinsic-Value-DCF (Earnings Based) is ranked lower than
58% of the 139 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.85 vs. CATC: 0.97 )
Ranked among companies with meaningful Price-to-Intrinsic-Value-DCF (Earnings Based) only.
N/A
Price-to-Median-PS-Value 1.69
CATC's Price-to-Median-PS-Value is ranked lower than
86% of the 1462 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.14 vs. CATC: 1.69 )
Ranked among companies with meaningful Price-to-Median-PS-Value only.
CATC' s Price-to-Median-PS-Value Range Over the Past 10 Years
Min: 0.77  Med: 1.13 Max: 2
Current: 1.69
0.77
2
Price-to-Graham-Number 1.18
CATC's Price-to-Graham-Number is ranked lower than
66% of the 1364 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.96 vs. CATC: 1.18 )
Ranked among companies with meaningful Price-to-Graham-Number only.
CATC' s Price-to-Graham-Number Range Over the Past 10 Years
Min: 0.76  Med: 0.99 Max: 1.51
Current: 1.18
0.76
1.51
Earnings Yield (Greenblatt) % 11.99
CATC's Earnings Yield (Greenblatt) % is ranked higher than
74% of the 2207 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.95 vs. CATC: 11.99 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) % only.
CATC' s Earnings Yield (Greenblatt) % Range Over the Past 10 Years
Min: 6.4  Med: 10.6 Max: 17.2
Current: 11.99
6.4
17.2
Forward Rate of Return (Yacktman) % 5.57
CATC's Forward Rate of Return (Yacktman) % is ranked lower than
68% of the 890 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.45 vs. CATC: 5.57 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) % only.
CATC' s Forward Rate of Return (Yacktman) % Range Over the Past 10 Years
Min: 4.3  Med: 5.6 Max: 13.3
Current: 5.57
4.3
13.3

More Statistics

Revenue (TTM) (Mil) $82.22
EPS (TTM) $ 4.15
Beta0.21
Short Percentage of Float0.00%
52-Week Range $46.00 - 67.00
Shares Outstanding (Mil)4.04
» More Articles for OTCPK:CATC

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Cambridge Bancorp Announces Quarterly Dividend Feb 13 2017
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Cambridge Trust Company Recruits Harvard Management Company Managing Director as New Head of Wealth... Jan 26 2017
Cambridge Bancorp :CATC-US: Earnings Analysis: Q4, 2016 By the Numbers : January 25, 2017 Jan 25 2017
Cambridge posts 4Q profit Jan 24 2017
Cambridge Bancorp Announces Record Earnings for Full-Year 2016 Jan 24 2017
Cambridge Trust Company Appoints Michael F. Carotenuto as New Chief Financial Officer Nov 15 2016
Cambridge Bancorp :CATC-US: Earnings Analysis: Q3, 2016 By the Numbers : October 25, 2016 Oct 25 2016
Cambridge Bancorp : CATC-US: Dividend Analysis : September 09th, 2016 (record date) : By the numbers... Oct 21 2016
Cambridge Bancorp Announces Third Quarter Results Oct 18 2016
Cambridge Trust Company’s President and CEO Denis Sheahan Awarded Whitney M. Young Jr. Service... Oct 17 2016
Cambridge Trust Company Partners with National Cybersecurity Alliance for Cybersecurity Awareness... Oct 03 2016
Cambridge Trust Company Makes Strategic Hires for New Asset Based Lending Practice Sep 12 2016
Cambridge Bancorp CEO, Denis K. Sheahan, to Present at FIG Partners Annual CEO Forum Sep 09 2016
Cambridge Trust Company Announces 2017 Retirements of Senior-Level Staff Aug 09 2016
Cambridge Trust Company Names Pilar Pueyo as New Senior Vice President, Human Resources Director Aug 02 2016

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