Market cap
$578 Mln
Revenue (TTM)
$219 Mln
P/E Ratio
20.3
P/B Ratio
1.1
Div. Yield
3.6 %
Key Ratios and Highlights
| Growth Score (%) | Quarterly | Annual (TTM) | |||
|---|---|---|---|---|---|
| Particulars | QoQ | YoY | 1-Year | 3-Years | 5-Years |
| Revenue | 17.33 | 29.14 | 12.59 | 8.68 | 17.60 |
| EBIT | -126.24 | -108.28 | -50.08 | -5.00 | 5.43 |
| Net Profit | -14.26 | -44.52 | -44.92 | -9.16 | 3.52 |
| EPS | -14.26 | -44.52 | -50.32 | -14.50 | -9.88 |
| Book Value | -- | -- | -9.62 | -0.07 | 9.86 |
| Key Ratios (%) | Average | Annual (TTM) | |||
|---|---|---|---|---|---|
| Particulars | 3-Years | 5-Years | TTM | Dec-23 | Dec-22 |
| EBIT-Margin
| 37.11 | 33.59 | 23.14 | 21.24 | 47.65 |
| Net Margin
| -- | -- | 13.04 | -- | -- |
| Return on equity
| 10.14 | 10.17 | 5.38 | 6.48 | 11.08 |
| Return on Capital
| 8.22 | 7.71 | -- | 4.10 | 9.30 |
| Return on Assets
| 0.95 | 0.96 | 0.47 | 0.62 | 1.01 |
| Debt to Equity (x)
| -- | -- | 1.02 | 0.89 | 0.26 |
Profitability
ROCE
--
--
Earning before interest and taxes / (Average net worth + Average total Debt) * 100
|
Company Name
|
TTM
|
Dec-23
|
Dec-22
|
Dec-21
|
Dec-20
|
|---|---|---|---|---|---|
|
Cambridge Bancorp (CATC)
|
--
|
4.10
|
9.30
|
11.25
|
6.88
|
|
Peer Median
|
--
|
--
|
--
|
--
|
--
|
ROE
5.38
Lower than Peers by 4.50
Profit after tax / Average Net worth * 100
|
Company Name
|
TTM
|
Dec-23
|
Dec-22
|
Dec-21
|
Dec-20
|
|---|---|---|---|---|---|
|
Cambridge Bancorp (CATC)
|
5.38
|
6.48
|
11.08
|
12.87
|
9.29
|
|
Peer Median
|
9.89
|
--
|
--
|
--
|
--
|
ROA
0.47
Lower than Peers by 0.49
Profit after tax / Average Total assets * 100
|
Company Name
|
TTM
|
Dec-23
|
Dec-22
|
Dec-21
|
Dec-20
|
|---|---|---|---|---|---|
|
Cambridge Bancorp (CATC)
|
0.47
|
0.62
|
1.01
|
1.22
|
0.94
|
|
Peer Median
|
0.96
|
--
|
--
|
--
|
--
|
EBIT Margin
23.14
Higher than Peers by 2.29
Operating profit (EBIT) / Net Sales * 100
|
Company Name
|
TTM
|
Dec-23
|
Dec-22
|
Dec-21
|
Dec-20
|
|---|---|---|---|---|---|
|
Cambridge Bancorp (CATC)
|
23.14
|
21.24
|
47.65
|
42.43
|
27.14
|
|
Peer Median
|
20.85
|
--
|
--
|
--
|
--
|
Net Margin
13.04
Lower than Peers by 7.01
Net profit / Total Income (Net sales plus other income) * 100
|
Company Name
|
TTM
|
Dec-23
|
Dec-22
|
Dec-21
|
Dec-20
|
|---|---|---|---|---|---|
|
Cambridge Bancorp (CATC)
|
13.04
|
15.61
|
28.41
|
31.35
|
20.00
|
|
Peer Median
|
20.04
|
--
|
--
|
--
|
--
|
Cash Profit Margin
0.00
Higher than Peers by 0.00
(Net profit + Depreciation) / Gross Sales * 100
|
Company Name
|
TTM
|
Dec-23
|
Dec-22
|
Dec-21
|
Dec-20
|
|---|---|---|---|---|---|
|
Cambridge Bancorp (CATC)
|
0.00
|
--
|
--
|
--
|
--
|
|
Peer Median
|
0.00
|
--
|
--
|
--
|
--
|
Revenue Growth
12.59
Higher than Peers by 1.54
Year on year growth in net sales
|
Company Name
|
TTM
|
Dec-23
|
Dec-22
|
Dec-21
|
Dec-20
|
|---|---|---|---|---|---|
|
Cambridge Bancorp (CATC)
|
12.59
|
0.17
|
0.08
|
0.08
|
0.39
|
|
Peer Median
|
11.04
|
--
|
--
|
--
|
--
|
EBIT Growth
-50.08
Lower than Peers by 39.04
Year on year growth in operating profit (EBIT)
|
Company Name
|
TTM
|
Dec-23
|
Dec-22
|
Dec-21
|
Dec-20
|
|---|---|---|---|---|---|
|
Cambridge Bancorp (CATC)
|
-50.08
|
-47.70
|
21.37
|
68.61
|
27.85
|
|
Peer Median
|
-11.04
|
--
|
--
|
--
|
--
|
Net Profit Growth
-44.92
Lower than Peers by 52.39
Year on year growth in profit after tax
|
Company Name
|
TTM
|
Dec-23
|
Dec-22
|
Dec-21
|
Dec-20
|
|---|---|---|---|---|---|
|
Cambridge Bancorp (CATC)
|
-44.92
|
-35.53
|
-2.06
|
69.04
|
26.54
|
|
Peer Median
|
7.46
|
--
|
--
|
--
|
--
|
EPS Growth
-50.32
Lower than Peers by 56.22
Year on year growth in earnings per share
|
Company Name
|
TTM
|
Dec-23
|
Dec-22
|
Dec-21
|
Dec-20
|
|---|---|---|---|---|---|
|
Cambridge Bancorp (CATC)
|
-50.32
|
-0.44
|
-0.02
|
0.45
|
0.05
|
|
Peer Median
|
5.90
|
--
|
--
|
--
|
--
|
Book Value Growth
1.83
Lower than Peers by 6.98
Year on year growth in book value per share
|
Company Name
|
TTM
|
Dec-23
|
Dec-22
|
Dec-21
|
Dec-20
|
|---|---|---|---|---|---|
|
Cambridge Bancorp (CATC)
|
1.83
|
--
|
--
|
--
|
--
|
|
Peer Median
|
8.81
|
--
|
--
|
--
|
--
|
Solvency
Debt to Equity
1.02
Higher than Peers by 0.81
Total debt / Net worth
|
Company Name
|
TTM
|
Dec-23
|
Dec-22
|
Dec-21
|
Dec-20
|
|---|---|---|---|---|---|
|
Cambridge Bancorp (CATC)
|
1.02
|
0.89
|
0.26
|
0.12
|
0.18
|
|
Peer Median
|
0.21
|
--
|
--
|
--
|
--
|
Short term debt to equity ratio
0.04
--
(Short term borrowings / Net worth)
|
Company Name
|
TTM
|
Dec-23
|
Dec-22
|
Dec-21
|
Dec-20
|
|---|---|---|---|---|---|
|
Cambridge Bancorp (CATC)
|
0.04
|
0.01
|
0.05
|
0.08
|
0.08
|
|
Peer Median
|
--
|
--
|
--
|
--
|
--
|
Current Ratio
0.02
Lower than Peers by 0.28
Current Assets / Current Liabilities and Provisions
|
Company Name
|
TTM
|
Dec-23
|
Dec-22
|
Dec-21
|
Dec-20
|
|---|---|---|---|---|---|
|
Cambridge Bancorp (CATC)
|
0.02
|
0.02
|
7.23
|
11.43
|
9.77
|
|
Peer Median
|
0.31
|
--
|
--
|
--
|
--
|
Quick Ratio
0.61
Higher than Peers by 0.26
(Current Assets - Inventory) / Current Liabilities and Provisions
|
Company Name
|
TTM
|
Dec-23
|
Dec-22
|
Dec-21
|
Dec-20
|
|---|---|---|---|---|---|
|
Cambridge Bancorp (CATC)
|
0.61
|
0.01
|
8.87
|
17.02
|
12.36
|
|
Peer Median
|
0.36
|
--
|
--
|
--
|
--
|
Interest Coverage
1.36
Lower than Peers by 0.39
Earning before interest and taxes (EBIT) / Interest Expenses
|
Company Name
|
TTM
|
Dec-23
|
Dec-22
|
Dec-21
|
Dec-20
|
|---|---|---|---|---|---|
|
Cambridge Bancorp (CATC)
|
1.36
|
0.47
|
5.29
|
13.21
|
4.74
|
|
Peer Median
|
1.75
|
--
|
--
|
--
|
--
|
Operating Efficiency
Debtors to sales
6.94
Higher than Peers by 0.02
Debtors outstanding / Net Sales * 100
|
Company Name
|
TTM
|
Dec-23
|
Dec-22
|
Dec-21
|
Dec-20
|
|---|---|---|---|---|---|
|
Cambridge Bancorp (CATC)
|
6.94
|
7.21
|
7.58
|
5.32
|
5.96
|
|
Peer Median
|
6.93
|
--
|
--
|
--
|
--
|
Asset Turnover
0.04
Lower than Peers by 0.01
Sales / Average Total Assets
|
Company Name
|
TTM
|
Dec-23
|
Dec-22
|
Dec-21
|
Dec-20
|
|---|---|---|---|---|---|
|
Cambridge Bancorp (CATC)
|
0.04
|
0.04
|
0.04
|
0.04
|
0.05
|
|
Peer Median
|
0.05
|
--
|
--
|
--
|
--
|
Receivable days
--
--
Average Debtors / Sales * 365
|
Company Name
|
TTM
|
Dec-23
|
Dec-22
|
Dec-21
|
Dec-20
|
|---|---|---|---|---|---|
|
Cambridge Bancorp (CATC)
|
--
|
24.97
|
22.83
|
19.79
|
18.94
|
|
Peer Median
|
--
|
--
|
--
|
--
|
--
|
Inventory Days
--
--
Average Inventory / Sales * 365
|
Company Name
|
TTM
|
Dec-23
|
Dec-22
|
Dec-21
|
Dec-20
|
|---|---|---|---|---|---|
|
Cambridge Bancorp (CATC)
|
--
|
--
|
--
|
--
|
-3,687.19
|
|
Peer Median
|
--
|
--
|
--
|
--
|
--
|
Payable days
--
--
Average Creditors / Cost of goods sold * 365
|
Company Name
|
TTM
|
Dec-23
|
Dec-22
|
Dec-21
|
Dec-20
|
|---|---|---|---|---|---|
|
Cambridge Bancorp (CATC)
|
--
|
--
|
--
|
--
|
138,239.38
|
|
Peer Median
|
--
|
--
|
--
|
--
|
--
|
Cash Conversion Cycle
--
--
Receivable Days + Inventory Days - Payable Days
|
Company Name
|
TTM
|
Dec-23
|
Dec-22
|
Dec-21
|
Dec-20
|
|---|---|---|---|---|---|
|
Cambridge Bancorp (CATC)
|
--
|
--
|
--
|
--
|
-141,907.63
|
|
Peer Median
|
--
|
--
|
--
|
--
|
--
|
Valuation
Price / Earnings
20.27
Higher than Peers by 7.48
Current share price divided by earning per share in the last twelve months
|
Company Name
|
TTM
|
Dec-23
|
Dec-22
|
Dec-21
|
Dec-20
|
|---|---|---|---|---|---|
|
Cambridge Bancorp (CATC)
|
20.27
|
16.28
|
10.99
|
12.13
|
13.09
|
|
Peer Median
|
12.79
|
--
|
--
|
--
|
--
|
Price / Book Value
1.08
Lower than Peers by 0.25
Current share price divided by book value per share in the latest financial year
|
Company Name
|
TTM
|
Dec-23
|
Dec-22
|
Dec-21
|
Dec-20
|
|---|---|---|---|---|---|
|
Cambridge Bancorp (CATC)
|
1.08
|
1.04
|
1.12
|
1.50
|
1.04
|
|
Peer Median
|
1.33
|
--
|
--
|
--
|
--
|
Dividend Yield
3.64
Higher than Peers by 1.16
Dividend per share in the past twelve months divided by current share price
|
Company Name
|
TTM
|
Dec-23
|
Dec-22
|
Dec-21
|
Dec-20
|
|---|---|---|---|---|---|
|
Cambridge Bancorp (CATC)
|
3.64
|
--
|
--
|
--
|
--
|
|
Peer Median
|
2.48
|
--
|
--
|
--
|
--
|
EV/EBITDA
--
--
Enterprise Value (Current Market Capitalisation + Total Debt - Cash & Equivalents) / Earnings before interest, taxes, depreciation and taxes (EBITDA)
|
Company Name
|
TTM
|
Dec-23
|
Dec-22
|
Dec-21
|
Dec-20
|
|---|---|---|---|---|---|
|
Cambridge Bancorp (CATC)
|
--
|
18.57
|
5.92
|
4.60
|
5.00
|
|
Peer Median
|
--
|
--
|
--
|
--
|
--
|
Market Cap
578
Higher than Peers by 269
Current Share price multiplied by latest total number of shares outstanding
|
Company Name
|
TTM
|
Dec-23
|
Dec-22
|
Dec-21
|
Dec-20
|
|---|---|---|---|---|---|
|
Cambridge Bancorp (CATC)
|
578
|
--
|
--
|
--
|
--
|
|
Peer Median
|
309
|
--
|
--
|
--
|
--
|