CATC

Cambridge Bancorp

$220

0

(0%)

Exchange:	NASDAQ
Market Cap:	0
Shares Outstanding:	3.912M

Overview

Earnings

Financials

Valuation

Chart

About The Company

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, savings, money market, trust, and individual retirement accounts; and time and demand deposits, and certificates of deposit. 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 19 banking offices in Eastern Massachusetts and New Hampshire; and two wealth management offices located in Massachusetts, as well as three wealth management offices located in New Hampshire. Cambridge Bancorp was founded in 1890 and is headquartered in Cambridge, Massachusetts.

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Revenue Segmentation

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EPS

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Earnings Call

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Income Statement

Balance Sheet

Cash Flow Statement

Analyst Estimates

Income Statement

(* All numbers are in thousands)

	2014	2015	2016	2017	2018	2019	2020	2021	2022	2023
? Revenue	72,737	77,512	82,334	87,828	96,577	115,097	159,758	172,305	186,224	218,534
? Cost Of Revenue	0	0	0	0	0	4,721	7,612	0	0	0
? Gross Profit	72,737	77,512	82,334	87,828	96,577	110,376	152,146	172,305	186,224	218,534
? Research And Development Expenses	0	0	0	0	0	0	0	0	0	0
? General And Administrative Expenses	31,090	34,245	37,682	37,336	41,786	47,785	59,967	66,445	71,954	72,641
? Selling And Marketing Expenses	2,117	2,380	1,706	1,620	2,229	1,760	1,818	2,536	2,301	1,773
? Operating Expenses	-48,459	-51,573	-53,527	1,620	-60,022	-81,179	-116,395	-99,190	3,059	7,180
? Net Interest Income	0	0	0	0	0	0	0	0	0	0
? Interest Income	50,270	54,082	56,849	60,946	68,768	95,949	129,047	133,468	159,706	41,730
? Interest Expense	2,098	2,694	3,355	3,587	5,467	17,643	9,145	5,533	16,778	97,728
? Depreciation And Amortization	1,817	1,935	2,107	1,948	1,888	2,004	-8,134	-1,838	3,194	3,693
? EBITDA	26,095	27,874	30,914	33,709	38,443	35,922	35,229	71,277	88,739	46,409
? EBIT
? Operating Income	24,278	25,939	28,807	31,761	36,555	33,918	43,363	73,115	88,739	46,409
? Income Before Tax	22,180	23,245	25,452	28,174	31,088	33,918	43,363	73,115	71,961	46,409
? Income Tax Expense	7,236	7,551	8,556	13,358	7,207	8,661	11,404	19,091	19,052	12,300
? Net Income From Continuing Operations
? Net Income	14,944	15,694	16,896	14,816	23,881	25,257	31,959	54,024	52,909	34,109
? EPS (Earnings Per Share)	3.810	3.940	4.190	3.640	5.880	5.410	5.070	7.760	7.350	4.350
? EPS Diluted	3.780	3.930	4.150	3.610	5.830	5.370	5.030	7.690	7.300	4.340
? Weighted Average Shares Outstanding	3,886.692	3,938.117	3,990.343	4,030.530	4,061.529	4,629.255	6,289.481	6,926.257	7,163.223	7,828.316
? Weighted Average Shares Outstanding Diluted	3,957.416	3,993.599	4,028.944	4,065.754	4,098.633	4,661.720	6,344.409	6,990.603	7,213.913	7,843.482
	USD	USD	USD	USD	USD	USD	USD	USD	USD	USD

Balance Sheet

(* All numbers are in thousands)

	2014	2015	2016	2017	2018	2019	2020	2021	2022	2023
? Cash And Cash Equivalents	17,440	24,645	54,050	103,591	18,473	61,335	75,785	180,153	30,719	32,503.999
? Short Term Investments	339,791	347,173	325,641	205,017	168,163	140,330	237,030	197,803	153,416	137,838
? Cash And Short Term Investments	357,231	371,818	379,691	308,608	186,636	201,665	312,815	377,956	184,135	32,503.999
? Net Receivables	3,925	4,222	4,627	5,128	5,762	7,052	9,514	9,162	14,118	15,765
? Accounts Receivables
? Inventory	0	0	0	-108,719	0	-68,387	-85,299	-189,315	-44,837	17,239
? Total Current Assets	1,145,144	1,263,691	1,429,181	313,736	1,640,696	208,717	322,329	387,118	198,253	32,503.999
? Property Plant Equipment Net	8,367	11,371	10,451	9,310	8,578	48,343	53,085	48,599	48,395	44,986
? Goodwill	412	412	412	412	412	31,206	51,912	51,912	64,539	64,539
? Intangible Assets	332	491	812	793	666	3,338	2,977	2,617	7,443	8,020
? Long Term Investments	419,437	430,236	408,143	437,205	451,032	398,502	484,702	1,174,864	1,205,413	1,097,170
? Total Non Current Assets	428,548	442,510	419,818	446,515	460,688	481,389	592,676	1,277,992	1,334,361	5,383,520
? Total Assets	1,573,692	1,706,201	1,848,999	1,949,934	2,101,384	2,855,563	3,949,297	4,891,544	5,559,737	5,417,666
? Account Payables	0	0	0	0	0	0	0	0	0	0
? Short Term Debt	69,000	0	0	0	90,000	135,691	32,992	33,871	27,413	0
? Deferred Revenue	0	0	0	0	0	0	0	0	17,990	0
? Total Current Liabilities	69,000	0	544,980	562,872	90,000	135,691	32,992	33,871	27,413	2,678,118
? Long Term Debt	0	3,910	3,746	27,982	1,844,358	2,398,257	3,510,117	16,510	132,625	477,320
? Deferred Revenue Non Current	0	0	0	-24,403	-31,271	22,678	54,415.001	35,539	-14,773	0
? Deferred Tax Liabilities Non Current	0	0	0	1,405	1,732	12,376	16,024.999	14,842	14,773	0
? Total Non Current Liabilities	69,000	3,910	3,746	3,579	3,409	35,054	70,440	50,381	5,014,772	4,857,928
? Total Liabilities	1,457,434	1,581,138	1,714,328	1,801,977	1,934,358	2,569,002	3,547,565	50,381	5,042,185	4,897,716
? Treasury Stock
? Preferred Stock	0	0	0	0	0	0	0	0	0	0
? Common Stock	3,941	4,000	4,037	4,082	4,107	5,401	6,927	6,968	7,796	7,845
? Retained Earnings	91,098	99,064	107,262	114,093	131,135	146,875	165,404	202,874	237,369	250,492
? Additional Paid In Capital
? Total Stockholders Equity	116,258	125,063	134,671	147,957	167,026	286,561	401,732	437,837	517,552	534,573
? Total Equity	116,258	125,063	134,671	147,957	167,026	286,561	401,732	437,837	517,552	534,573
? Minority Interest	0	0	0	0	0	0	0	0	0	0
? Total Liabilities And Total Equity	1,573,692	1,706,201	1,848,999	1,949,934	2,101,384	2,855,563	3,949,297	4,891,544	5,559,737	5,417,666
? Total Investments	759,228	777,409	733,784	642,222	619,195	538,832	721,732	1,372,667	1,358,829	1,235,008
? Total Debt	69,000	3,910	3,746	3,579	93,409	170,745	70,440	50,381	132,625	477,320
? Net Debt	51,560	-20,735	-50,304	-100,012	74,936	109,410	-5,345	-129,772	101,906	444,316
	USD	USD	USD	USD	USD	USD	USD	USD	USD	USD

Cash Flow Statement

(* All numbers are in thousands)

	2014	2015	2016	2017	2018	2019	2020	2021	2022	2023
? Net Income	14,944	15,694	16,896	14,816	23,881	25,257	31,959	54,024	52,909	34,109
? Depreciation And Amortization	1,817	1,935	2,107	1,948	1,888	2,004	-8,134	-1,838	2,282	2,330
? Deferred Income Tax	477	385	-306	2,687	-721	110	-665	2,899	587	1,665
? Stock Based Compensation	509	498	968	1,000	2,633	2,170	4,564	2,279	1,959	813
? Change In Working Capital	-2,097	1,119	-5,543	7,518	-5,410	-2,209	-7,641	11,673	-8,586	-7,146
? Accounts Receivables	-2,216	-297	963	-501	-634	-162	253	352	-4,280	0
? Inventory	0	0	0	0	0	0	0	0	0	0
? Accounts Payables	0	0	0	0	0	0	0	0	0	0
? Net Cash Provided By Operating Activities	16,101	20,016	15,207	28,715	24,022	28,793	36,797	65,508	51,950	33,090
? Investments In Property Plant And Equipment	-233	-4,939	-1,187	-807	-1,155	-1,896	-2,218	-2,033	-1,776	-1,372
? Acquisitions Net	-138,702	-111,971	-128,584	-31,025	-208,722	2,063	43,063	-156,614	82,174	0
? Purchases Of Investments	-24,295	-235,603	-165,957	-189,596	-84,261	-72,356	-174,388	-811,702	-215,307	0
? Sales Maturities Of Investments	58,238	222,618	185,792	159,812	69,181	149,039	113,915	112,969	180,231	109,972
? Net Cash Provided By Investing Activities	0	0	0	0	0	0	0	0	0	0
? Net Debt Issuance	0	0	0	0	0	0	0	0	0	0
? Long Term Net Debt Issuance	0	0	0	0	0	0	0	0	0	0
? Short Term Net Debt Issuance	0	0	0	0	0	0	0	0	0	0
? Net Stock Issuance	0	0	0	0	0	0	0	0	0	0
? Net Dividends Paid	-6,602	-7,178	-7,428	-7,582	-8,041	-9,517	-13,083	-16,554	-18,414	-20,986
? Common Dividends Paid
? Preferred Dividends Paid	0	0	0	0	0	0	0	0	0	0
? Net Cash Provided By Financing Activities	24,948	115,594	121,767	82,586	117,743	127,541	36,581	895,322	177,799	-168,572
? Effect Of Forex Changes On Cash	0	0	0	0	0	0	0	0	0	0
? Net Change In Cash	-70,667	7,205	29,405	49,541	-85,118	42,862	14,450	104,368	-149,434	2,285
? Cash At End Of Period	17,440	24,645	54,050	103,591	18,473	61,335	75,785	180,153	30,719	33,004
? Cash At Beginning Of Period	88,107	17,440	24,645	54,050	103,591	18,473	61,335	75,785	180,153	30,719
? Operating Cash Flow	16,101	20,016	15,207	28,715	24,022	28,793	36,797	65,508	51,950	33,090
? Capital Expenditure	-233	-4,939	-1,187	-807	-1,155	-1,896	-2,218	-2,033	-1,776	-1,372
? Free Cash Flow	15,868	15,077	14,020	27,908	22,867	26,897	34,579	63,475	50,174	31,718
	USD	USD	USD	USD	USD	USD	USD	USD	USD	USD

Analyst Estimates

(* All numbers are in thousands)

Fiscal Year	2021	2022	2023	2024	2025
Estimated Revenue (Low)	173,687	186,022.500	161,747.055	157,300	182,091
Estimated Revenue (High)	173,687	186,022.500	162,752.944	157,300	182,091
Estimated Revenue (Avg)	173,687	186,022.500	162,250	157,300	182,091
Estimated Ebitda (Low)	59,114.836	65,798.028	74,881.085	51,442.354	59,549.839
Estimated Ebitda (High)	88,672.255	98,697.047	112,321.632	51,442.354	59,549.839
Estimated Ebitda (Avg)	73,893.546	82,247.538	93,601.359	51,442.354	59,549.839
Estimated Net Income (Low)	41,520.634	44,111.035	22,853.599	34,432.890	49,021.768
Estimated Net Income (High)	62,280.951	66,166.552	34,280.399	34,432.890	49,021.768
Estimated Net Income (Avg)	51,900.793	55,138.794	28,567	34,432.890	49,021.768
Estimated SGA Expense (Low)	59,830.597	65,940.051	75,147.578	51,103.623	59,157.723
Estimated SGA Expense (High)	89,745.897	98,910.080	112,721.372	51,103.623	59,157.723
Estimated SGA Expense (Avg)	74,788.247	82,425.066	93,934.475	51,103.623	59,157.723
Estimated EPS (Avg)	7.840	7.930	4.900	4.390	6.250
Estimated EPS (High)	7.840	7.930	4.900	4.390	6.250
Estimated EPS (Low)	7.840	7.930	4.900	4.390	6.250
Number of Analysts (Estimated Revenue)	1	1	2	1	1
Number of Analysts (Estimated EPS)	1	1	2	1	1

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Current Key Metrics

?	Revenue (TTM) :		?	P/S (TTM) :	0
?	Net Income (TTM) :		?	P/E (TTM) :	115.52
?	Enterprise Value (TTM) :	540.614M	?	EV/FCF (TTM) :	57.89
?	Dividend Yield (TTM) :	0	?	Payout Ratio (TTM) :	0.7
?	ROE (TTM) :	0.03	?	ROIC (TTM) :	0
?	Net Debt (TTM) :		?	Debt/Equity (TTM) :	1.06
?	P/B (TTM) :	3.22	?	Current Ratio (TTM) :	0.59