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Cambridge Bancorp (CATC)
The export includes the complete available history of financial statements and ratios. Numbers are provided in full, without million or billion abbreviations, in their original reporting units.
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Cambridge Bancorp Financial Ratios 2023-2011 | CATC
Brief overview of Cambridge Bancorp's multiples and efficiency
This overview follows the five latest available observations from 2019 through 2023.
Market valuation is represented by P/E 14.87x (median 13.42x), P/B 0.95x (median 1.07x), P/CF 15.32x (median 11.66x). Current valuation broadly matches recent historical reference points; the difference from five-year medians is +10.7%.
Current earnings relative to valuation equal about 6.7% on the 1/P/E measure. This is a valuation reference, not an expected payout.
Returns on assets and capital are represented by ROE 6.4%, ROA 0.6%, ROCE 14.4%. Low capital returns limit the ability to compound value internally.
Current PEG is 0.21x; the market pays comparatively little per unit of expected growth.
Financial-company multiples cannot be compared directly with industrial businesses; P/B and sustainable capital returns remain central.
Overall assessment
Cambridge Bancorp's profile looks neutral, with price and fundamental efficiency broadly aligned.
Annual Financial Ratios Cambridge Bancorp
| 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 | 2013 | 2012 | 2011 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
P/E |
14.9 | 9.6 | 12.0 | 13.4 | 13.9 | 13.1 | 19.6 | 12.9 | 10.0 | 11.7 | 11.6 | 11.0 | 7.7 |
P/S |
- | - | - | - | 3.0 | 3.2 | 3.3 | 2.6 | 2.0 | 2.4 | 2.4 | 2.2 | 1.6 |
EPS |
4.3 | 7.3 | 7.8 | 5.1 | 5.4 | 5.8 | 3.6 | 4.2 | 3.9 | - | - | - | - |
EV (Enterprise Value) |
5.36 B | 5.52 B | 4.92 B | 3.9 B | 2.86 B | 2.23 B | 1.99 B | 1.88 B | 1.71 B | 1.63 B | 1.59 B | 1.46 B | 96.6 M |
EBITDA per Share |
0.15 | 0.1 | -0.27 | -1.29 | 0.43 | 0.46 | 0.48 | 0.53 | 0.49 | - | - | - | - |
EV/EBITDA |
4490.5 | 7603.0 | -2677.8 | -479.6 | 1426.5 | 1180.0 | 1020.6 | 891.3 | 885.7 | - | - | - | 5.4 |
PEG |
-0.13 | -0.08 | -0.12 | -0.16 | -1.9 | 0.21 | -1.62 | 2.38 | 3.38 | 2.67 | 2.53 | 0.31 | 1.24 |
P/B |
0.9 | 1.0 | 1.5 | 1.1 | 1.2 | 1.9 | 2.0 | 1.6 | 1.3 | 1.5 | 1.5 | 1.4 | 1.0 |
P/CF |
15.3 | 9.8 | 9.9 | 11.7 | 12.2 | 13.0 | 9.7 | 13.7 | 12.0 | 11.0 | 9.2 | 33.0 | 6.9 |
ROE % |
6.38 | 10.22 | 12.34 | 7.96 | 8.81 | 14.30 | 10.01 | 12.55 | 12.55 | 12.85 | 12.94 | 12.78 | 12.92 |
ROA % |
0.63 | 0.95 | 1.10 | 0.81 | 0.88 | 1.14 | 0.76 | 0.91 | 0.92 | 0.95 | 0.92 | 0.95 | 0.98 |
ROCE % |
- | - | - | - | - | - | - | - | - | - | - | - | 14.36 |
Current Ratio |
1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | - | - | - | - |
DSO |
- | - | - | - | 20.3 | 20.6 | 20.3 | 10.3 | 19.9 | 19.7 | 19.3 | 21.3 | - |
Operating Cycle |
- | - | - | - | 20.3 | 20.6 | 20.3 | 10.3 | 19.9 | - | - | - | - |
Cash Conversion Cycle |
- | - | - | - | 20.3 | 20.6 | 20.3 | 10.3 | 19.9 | - | - | - | - |
All numbers in USD currency
Quarterly Financial Ratios Cambridge Bancorp
| 2024-Q1 | 2023-Q3 | 2023-Q2 | 2023-Q1 | 2022-Q4 | 2022-Q3 | 2022-Q2 | 2022-Q1 | 2021-Q4 | 2021-Q3 | 2021-Q2 | 2021-Q1 | 2020-Q4 | 2020-Q3 | 2020-Q2 | 2020-Q1 | 2019-Q4 | 2019-Q3 | 2019-Q2 | 2019-Q1 | 2018-Q4 | 2018-Q3 | 2018-Q2 | 2018-Q1 | 2017-Q4 | 2017-Q3 | 2017-Q2 | 2017-Q1 | 2016-Q4 | 2016-Q3 | 2016-Q2 | 2016-Q1 | 2015-Q4 | 2015-Q3 | 2015-Q2 | 2015-Q1 | 2014-Q4 | 2014-Q3 | 2014-Q2 | 2014-Q1 | 2013-Q4 | 2013-Q3 | 2013-Q2 | 2013-Q1 | 2012-Q4 | 2012-Q3 | 2012-Q2 | 2012-Q1 | 2011-Q4 | 2011-Q3 | 2011-Q2 | 2011-Q1 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
EPS |
0.88 | 0.83 | 0.91 | 1.59 | - | 2.09 | 1.95 | 1.91 | - | 1.91 | 2 | 1.95 | 1.88 | 1.94 | -0.29 | 1.34 | 1.43 | 1.58 | 0.91 | 1.51 | 1.29 | 1.62 | 1.49 | 1.42 | 0.24 | 1.23 | 1.11 | 1.07 | 1.1 | 1.13 | 1 | 0.97 | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
EBITDA per Share |
0.08 | 0.12 | 0.08 | 0.03 | - | 0.11 | 0.04 | 0.01 | - | -0.27 | -0.27 | -0.11 | - | -0.84 | -0.34 | 0.01 | - | 0.29 | 0.19 | 0.1 | - | 0.36 | 0.23 | 0.11 | - | 0.36 | 0.25 | 0.12 | - | 0.39 | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
ROE % |
6.24 | 8.23 | 10.08 | 11.78 | 9.42 | 12.53 | 12.58 | 12.80 | 9.75 | 12.99 | 13.29 | 9.52 | 8.64 | 7.88 | 7.62 | 9.87 | 11.03 | 11.73 | 12.72 | 14.84 | 15.09 | 12.57 | 11.85 | 10.98 | 10.06 | 12.69 | 12.66 | 2.93 | 3.28 | 3.40 | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
ROA % |
0.60 | 0.76 | 0.91 | 1.04 | 0.82 | 1.12 | 1.16 | 1.20 | 0.94 | 1.27 | 1.31 | 0.94 | 0.88 | 0.80 | 0.73 | 0.93 | 0.96 | 0.97 | 1.03 | 1.19 | 1.19 | 0.99 | 0.92 | 0.85 | 0.77 | 0.96 | 0.94 | 0.22 | 0.24 | 0.25 | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
Current Ratio |
1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
All numbers in USD currency
Multiples are an important financial analysis tool for the company Cambridge Bancorp, allowing investors and analysts to quickly assess the company’s value and investment attractiveness based on the ratio of market indicators to the company’s financial performance. Essentially, multiples express how the market values the company relative to its earnings, revenue, equity, or other key metrics.
Advantages of Using Financial Ratios- Simplified Data Analysis
Financial ratios transform large volumes of accounting data into compact and easily interpretable indicators, significantly simplifying the assessment of the company’s condition. - Comparability Between Companies
Multiples standardize financial metrics, enabling objective comparison of companies of different sizes, industries, and market capitalizations. - Identification of Trends and Issues
Regular analysis of ratios helps track the dynamics of financial health, identify strengths and weaknesses of the business, as well as potential risks. - Decision Support
Financial multiples serve as an important tool for investors, creditors, and company management in making investment, credit, and managerial decisions. - Accelerated Assessment of Investment Attractiveness
Ratios allow quick determination of key performance, liquidity, and financial stability indicators, facilitating prompt evaluation of companies’ attractiveness for investments.
Using multiples enables comparison between companies, even if they differ in size or industry, as they standardize financial data into ratios convenient for analysis. This is especially useful for evaluating companies where direct analysis of financial statements may be complex or require in-depth knowledge.
Financial Ratios of other stocks in the Banks regional industry
| Issuer | Price | % 24h | Market Cap | Country | |
|---|---|---|---|---|---|
 |
Banner Corporation
BANR
|
$ 67.0 | 0.49 % | $ 2.31 B |  USA |
 |
Banco Santander-Chile
BSAC
|
$ 33.36 | 0.09 % | $ 6.29 T |  Chile |
 |
Cathay General Bancorp
CATY
|
$ 59.5 | 0.15 % | $ 4.12 B | USA |
 |
Customers Bancorp
CUBI
|
$ 74.0 | 0.28 % | $ 2.4 B | USA |
 |
1st Source Corporation
SRCE
|
$ 84.5 | 0.22 % | $ 2.07 B | USA |
 |
Union Bankshares
UNB
|
$ 23.0 | 0.04 % | $ 105 M | USA |
 |
Ameris Bancorp
ABCB
|
$ 79.52 | 0.19 % | $ 5.44 B | USA |
 |
ACNB Corporation
ACNB
|
$ 62.3 | 0.11 % | $ 639 M | USA |
 |
Amalgamated Bank
AMAL
|
$ 47.57 | 1.54 % | $ 1.44 B | USA |
 |
Amerant Bancorp
AMTB
|
$ 28.67 | 0.62 % | $ 1.19 B | USA |
 |
Arrow Financial Corporation
AROW
|
$ 36.85 | 0.05 % | $ 608 M | USA |
 |
Associated Banc-Corp
ASB
|
$ 28.65 | 0.12 % | $ 4.73 B | USA |
 |
AmeriServ Financial
ASRV
|
$ 4.61 | 0.42 % | $ 76.2 M | USA |
 |
Ames National Corporation
ATLO
|
$ 31.38 | 0.39 % | $ 279 M | USA |
 |
Atlantic Union Bankshares Corporation
AUB
|
$ 37.95 | 0.08 % | $ 4.89 B | USA |
 |
Auburn National Bancorporation
AUBN
|
$ 26.25 | 0.72 % | $ 91.7 M | USA |
 |
Axos Financial
AX
|
$ 86.57 | 0.32 % | $ 4.9 B | USA |
 |
Banc of California
BANC
|
$ 17.23 | 0.23 % | $ 2.75 B | USA |
 |
BancFirst Corporation
BANF
|
$ 105.28 | 0.29 % | $ 3.51 B | USA |
 |
Banco BBVA Argentina S.A.
BBAR
|
$ 12.85 | 2.47 % | $ 7.87 B |  Argentina |
 |
Banco Bradesco S.A.
BBD
|
$ 3.52 | 4.76 % | $ 195 B |  Brasil |
 |
Banco Bradesco S.A.
BBDO
|
$ 3.08 | 0.65 % | $ 195 B | Brasil |
 |
BCB Bancorp
BCBP
|
$ 8.59 | 0.47 % | $ 148 M | USA |
 |
BayCom Corp
BCML
|
$ 30.34 | 0.13 % | $ 333 M | USA |
 |
Bar Harbor Bankshares
BHB
|
$ 38.69 | 0.1 % | $ 615 M | USA |
 |
Bank First Corporation
BFC
|
$ 148.81 | 0.5 % | $ 1.46 B | USA |
 |
Business First Bancshares
BFST
|
$ 30.09 | 0.12 % | $ 885 M | USA |
 |
BankUnited
BKU
|
$ 42.2 | 0.42 % | $ 3.12 B | USA |
 |
Banco Macro S.A.
BMA
|
$ 66.93 | 1.33 % | $ 42.8 B | Argentina |
 |
Bank of Marin Bancorp
BMRC
|
$ 27.08 | 0.92 % | $ 432 M | USA |
 |
BOK Financial Corporation
BOKF
|
$ 126.4 | 0.15 % | $ 7.92 B | USA |
 |
Popular
BPOP
|
$ 155.45 | 0.26 % | $ 10.5 B | USA |
 |
The Bank of Princeton
BPRN
|
$ 42.92 | 0.14 % | $ 289 M | USA |
 |
Blue Ridge Bankshares
BRBS
|
$ 3.85 | 0.26 % | $ 338 M | USA |
|
Bogota Financial Corp.
BSBK
|
$ 9.05 | 0.61 % | $ 114 M | USA |
 |
Banco Santander (Brasil) S.A.
BSBR
|
$ 5.57 | 0.79 % | $ 109 B | Brasil |
 |
Sierra Bancorp
BSRR
|
$ 39.05 | 0.03 % | $ 527 M | USA |
 |
Bank7 Corp.
BSVN
|
$ 54.53 | 0.49 % | $ 515 M | USA |
 |
First Busey Corporation
BUSE
|
$ 29.13 | 0.03 % | $ 2.45 B | USA |
 |
Bridgewater Bancshares
BWB
|
$ 20.17 | 0.3 % | $ 556 M | USA |
 |
Bankwell Financial Group
BWFG
|
$ 64.8 | 0.57 % | $ 502 M | USA |
 |
Byline Bancorp
BY
|
$ 36.83 | 0.54 % | $ 1.65 B | USA |
 |
Broadway Financial Corporation
BYFC
|
$ 11.83 | 1.27 % | $ 102 M | USA |
 |
Camden National Corporation
CAC
|
$ 55.35 | 0.27 % | $ 935 M | USA |
 |
Carter Bankshares
CARE
|
$ 29.89 | 1.55 % | $ 671 M | USA |
 |
Meta Financial Group
CASH
|
$ 71.14 | 0.4 % | $ 1.66 B | USA |
 |
Colony Bankcorp
CBAN
|
$ 20.14 | 0.05 % | $ 358 M | USA |
 |
CB Financial Services
CBFV
|
$ 36.82 | 1.48 % | $ 185 M | USA |
|
Capital Bancorp
CBNK
|
$ 39.31 | 10.27 % | $ 652 M | USA |
 |
Commerce Bancshares
CBSH
|
$ 54.74 | 0.1 % | $ 7.85 B | USA |