CATC:NSD-Cambridge Bancorp (USD)

COMMON STOCK | Banks-Regional | NYE

Last Closing Price

USD 86.00

Change

-0.39 (-0.45)%

Market Cap

USD 0.60B

Volume

9.55K

Average Target Price

USD 85.00 (-1.16%)
Average Analyst Rating

Verdict

Fundamental Analysis

Verdict

About

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 and savings accounts, certificates of deposit, money market accounts, trust accounts, individual retirement accounts, and time and demand deposits. 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 21 banking offices in Eastern Massachusetts and New Hampshire; and 2 wealth management offices located in Massachusetts, as well as 3 wealth management offices located in New Hampshire. Cambridge Bancorp was founded in 1890 and is headquartered in Cambridge, Massachusetts.

Technical Indicators

Unadjusted Closing Price

Adjusted Closing Price

Share Volume

Relative Performance (Total Returns)

Compare
Relative Returns (From:    To: 2021-05-05 )

Largest Industry Peers for Banks-Regional

Symbol Name Price(Change) Market Cap Price / Earning Ratio EV/EBITDA
HDB HDFC Bank Limited

+0.65 (+0.94%)

USD104.38B 178.10 N/A
USB-PH U.S. Bancorp

-0.02 (-0.08%)

USD100.49B 6.44 N/A
USB U.S. Bancorp

-0.21 (-0.35%)

USD90.72B 15.99 N/A
USB-PP U.S. Bancorp

-0.22 (-0.78%)

USD87.74B 7.38 N/A
PNC The PNC Financial Services Gro..

+1.29 (+0.67%)

USD82.16B 10.10 N/A
USB-PO U.S. Bancorp

N/A

USD81.31B 8.27 N/A
USB-PM U.S. Bancorp

N/A

USD78.55B 6.87 N/A
PNC-PQ The PNC Financial Services Gro..

N/A

USD58.78B 2.14 N/A
IBN ICICI Bank Limited

+0.35 (+2.19%)

USD54.46B 22.04 N/A
ITUB Itaú Unibanco Holding S.A

+0.18 (+3.67%)

USD45.64B 13.84 N/A

ETFs Containing CATC

Symbol Name Weight Mer Price(Change) Market Cap

N/A

Market Performance

  Market Performance vs.
Industry/Classification (Banks-Regional)
Market Performance vs. Exchange
  Value Sector Median Percentile Rank Grade Market Median Percentile Rank Grade
YTD  
Capital Gain 23.30% 60% D- 77% C+
Dividend Return 1.66% 84% B 73% C
Total Return 24.96% 62% D- 78% C+
Trailing 12 Months  
Capital Gain 70.43% 59% F 69% D+
Dividend Return 4.40% 43% F 58% F
Total Return 74.83% 59% F 70% C-
Trailing 5 Years  
Capital Gain 85.87% 72% C- 73% C
Dividend Return N/A N/A N/A N/A N/A
Total Return 85.87% 69% D+ 68% D+
Average Annual (5 Year Horizon)  
Capital Gain 7.65% 82% B- 52% F
Dividend Return 2.88% 70% C- 71% C-
Total Return 10.54% 85% B 55% F
Risk Return Profile  
Volatility (Standard Deviation) 27.77% 37% F 61% D-
Risk Adjusted Return 37.94% 83% B 59% F
Market Capitalization 0.60B 14% F 42% F
Letter Grade Percentage Letter Grade Percentage Letter Grade Percentage
A+ 97%-100% A 93%-96% A- 90%-92%
B+ 87%-89% B 83%-86% B- 80%-82%
C+ 77%-79% C 73%-76% C- 70%-72%
D+ 67%-69% D 63%-66% D- 60%-62%
F 0%-59%

Key Financial Ratios

  Ratio vs. Industry/Classification
(Banks-Regional)
Ratio vs. Market
  Value Sector Median Percentile Rank Grade Market Median Percentile Rank Grade
Market Value  
Price / Earning Ratio 15.27 35% F 60% D-
Price/Book Ratio 1.50 27% F 60% D-
Price / Cash Flow Ratio 16.34 27% F 30% F
EV/EBITDA N/A N/A N/A N/A N/A
Management Effectiveness  
Return on Equity 10.84% 66% D 66% D
Return on Invested Capital -2.56% 12% F 20% F
Return on Assets 1.08% 57% F 34% F
Debt to Equity Ratio 8.21% 90% A- 88% B+
Technical Ratios  
Short Ratio 5.80 17% F 11% F
Short Percent 1.43% 80% B- 77% C+
Beta 0.53 96% A 81% B-
Letter Grade Percentage Letter Grade Percentage Letter Grade Percentage
A+ 97%-100% A 93%-96% A- 90%-92%
B+ 97%-89% B 83%-86% B- 80%-82%
C+ 77%-79% C 73%-76% C- 70%-72%
D+ 67%-69% D 63%-66% D- 60%-62%
F 0%-59%

Annual Financials (USD)

Quarterly Financials (USD)

Analyst Rating

Target Price Action Rating Action Analyst Rating Price Date

Fundamental Analysis Breakdown

This is a composite scorecard based on the application of evaluation criteria deemed most important by analysts. This is not a buy or sell recommendation.

What to like:
Superior risk adjusted returns

This stock has performed well, on a risk adjusted basis, compared to its sector peers(for a hold period of at least 12 months) and is in the top quartile.

Low debt

The company is less leveraged than its peers ,, and is among the top quartile, which makes it more flexible. However, do check the news and look at its sector. Sometimes this is low because the company is not growing and has no growth potential.

Positive cash flow

The company had positive total cash flow in the most recent four quarters.

What to not like:
Low market capitalization

This is among the smaller entities in its sectors with below median market capitalization. That may make it less stable in the long run unless it has a unique technology or market which can help it grow or get acquired in future.

High volatility

The total returns for this company are volatile and above median for its sector over the past 5 years. Make sure you have the risk tolerance for investing in such stock.

Overpriced compared to earnings

The stock is trading high compared to its peers on a price to earning basis and is above the sector median.

Overpriced compared to book value

The stock is trading high compared to its peers median on a price to book value basis.

Overpriced on cashflow basis

The stock is trading high compared to its peers on a price to cash flow basis. It is priced above the median for its sectors. Proceed with caution if you are considering to buy.

Low Dividend Growth

This stock has shown below median dividend growth in the previous 5 years compared to its sector.