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Cambridge Bancorp (CATC)
Key financial summary
Financials in USD| 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | TTM | ||
|---|---|---|---|---|---|---|---|---|
| Total net revenue | $m | 91 | 97 | 151 | 167 | 169 | 64 | 81 |
| Operating profit | $m | 46 | 66 | |||||
| Net profit | $m | 24 | 25 | 32 | 54 | 53 | 34 | 29 |
| EPS reported | $ | 4.35 | 3.64 | |||||
| Operating cashflow per share | $ | 4.23 | 4.23 | |||||
| Capex per share | $ | 0.18 | 0.18 | |||||
| FCF per share | $ | 4.05 | 4.05 | |||||
| Free cash flow | $m | 32 | 29 | |||||
| Net debt | $m | 445 | 517 | |||||
| Book value equity | $m | 535 | 536 | |||||
| Book value per share | $ | 68.16 | 68.10 | |||||
| Number of shares | m | 7.84 | 7.87 | |||||
| DPS (TTM paid) | $ | 2.68 | 2.68 |
Financial summary
Financials in USD| 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | TTM | ||
|---|---|---|---|---|---|---|---|---|
| Value | ||||||||
| P/E TTM | x | 15.95 | - | |||||
| P/B LTM | x | 1.02 | 1.08 | |||||
| P/S LTM | x | 8.50 | 7.19 | |||||
| P/FCF LTM | x | 17.13 | 20.02 | |||||
| EV/EBITDA LTM | x | 21.29 | 10.46 | |||||
| EV/Sales LTM | x | 6.11 | 13.61 | |||||
| Earnings Yield LTM | % | 6.27% | 1.98% | |||||
| FCF Yield | % | 5.84% | 5.00% | |||||
| Quality | ||||||||
| ROE | % | 6.38% | 6.48% | |||||
| ROIC | % | 1.24% | 1.24% | |||||
| Operating margin | % | 28.71% | 28.71% | |||||
| Gross margin | % | 100.00% | 100.00% | |||||
| FCF/Sales | % | 19.62% | 19.62% | |||||
| Growth and momentum | ||||||||
| EPS Growth YoY | % | -40.41% | -48.30% | |||||
| Sales Growth YoY | % | -62.29% | -48.28% | |||||
| Net Income Growth YoY | % | -35.53% | -44.92% | |||||
| FCF Growth | % | -36.78% | -44.65% | |||||
| Operating Profit Growth | % | -47.70% | -22.74% | |||||
| Dividend and capital structure | ||||||||
| Dividend Yield | % | 3.86% | 1.22% | |||||
| Dividend Growth | % | +4.69% | - | |||||
| Payout Ratio | % | 61.53% | 73.47% | |||||
| FCF/Debt | x | 0.07 | 0.05 | |||||
| Net Debt/EBITDA | x | 9.58 | 9.58 | |||||
| EBIT/Net interest | x | 0.47 | 0.47 | |||||
| Net debt/market cap | % | 81.88% | 89.36% | |||||
| Net debt/Equity | x | 0.83 | 0.97 | |||||
| Gross debt/equity | x | 0.89 | 1.06 | |||||
Company overview
Cambridge Bancorp functions as the parent entity for Cambridge Trust Company, delivering an array of financial services that encompass commercial and consumer banking, investment management, and trust administration. The institution accepts a variety of deposit types, including checking, savings, money market, trust, individual retirement accounts, time deposits, demand deposits, and certificates of deposit. Its lending portfolio features residential and commercial real estate loans; home equity lines of credit and term loans; commercial and industrial financing; and both secured and unsecured loans, lines of credit, personal installment loans, and construction loans. Furthermore, the company provides cash management, online and mobile banking, and payment services. It caters to the financial needs of businesses, non-profit organizations, and private individuals. Established in 1890 and headquartered in Cambridge, Massachusetts, Cambridge Bancorp maintains 19 banking branches across Eastern Massachusetts and New Hampshire, alongside two wealth management offices in Massachusetts and three in New Hampshire.
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For informational purposes only. Kvantra provides data and quantitative analysis, not investment advice. KvantraRank is a mechanical model output. Analyst price targets and ratings are sourced from third parties and are not Kvantra recommendations. Past performance does not guarantee future results; all investments carry risk.
Cambridge Bancorp (CATC)
Cambridge Bancorp functions as the parent entity for Cambridge Trust Company, delivering an array of financial services that encompass commercial and consumer banking, investment management, and trust administration. The institution accepts a variety of deposit types, including checking, savings, money market, trust, individual retirement accounts, time deposits, demand deposits, and certificates of deposit. Its lending portfolio features residential and commercial real estate loans; home equity lines of credit and term loans; commercial and industrial financing; and both secured and unsecured loans, lines of credit, personal installment loans, and construction loans. Furthermore, the company provides cash management, online and mobile banking, and payment services. It caters to the financial needs of businesses, non-profit organizations, and private individuals. Established in 1890 and headquartered in Cambridge, Massachusetts, Cambridge Bancorp maintains 19 banking branches across Eastern Massachusetts and New Hampshire, alongside two wealth management offices in Massachusetts and three in New Hampshire.
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