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Intrinsic value of Cambridge Bancorp (CATC)

Previous Close$82.00
Intrinsic Value
Upside potential
Previous Close
$82.00
* Our model cannot be used “out of the box” for the valuation of this stock. You can still do your own valuation by changing the valuation input parameters.

VALUATION INPUT DATA (original, your and others' valuations)

ParameterOrig.Your
Date of valuation (DoV)  
Intrinsic value (IV) at DoV, $/sh  
IV at current val. algorithm, $/sh61.85 

The original valuation is based on fiscal year data as of 2021-12-31 and quarterly data as of 2022-03-31.

Registered users can save their valuation input data

  1. Annual
  2. Quarterly YoY
  3. Quarterly QoQ

Annual revenue growth rates, % (past and forecasted)

NOTE: The bar chart shows historic and forecasted yearly revenue growth rates. Its purpose is to help you in determining what initial revenue rate you want to base your stock valuation on. Please make sure that you are confident in the value you select - for most stocks it is by far the most important parameter in valuation.

Company description

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, 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. As of January 27, 2020, the company operated 16 banking offices in Massachusetts and New Hampshire; and wealth management offices in Boston, Massachusetts, as well as in Concord, Manchester, and Portsmouth, New Hampshire. Cambridge Bancorp was founded in 1890 and is headquartered in Cambridge, Massachusetts.

show cash flow forecast

FINANCIAL STATEMENTS FORECAST and PRESENT VALUE CALCULATION

Fiscal year2021(a)2022202320242025202620272028202920302031203220332034203520362037203820392040204120422043204420452046

INCOME STATEMENT

Revenue growth rate, %7.3NaN
Revenue, $170NaN
Variable operating expenses, $mNaN
Fixed operating expenses, $mNaN
Total operating expenses, $m95NaN
Operating income, $m74NaN
EBITDA, $m71NaN
Interest expense (income), $mNaN
Earnings before tax, $m73NaN
Tax expense, $m19NaN
Net income, $m54NaN

BALANCE SHEET

Cash and short-term investments, $m180NaN
Total assets, $m4906NaN
Adjusted assets (=assets-cash), $m4726NaN
Average production assets, $m106NaN
Working capital, $m-872NaN
Total debt, $m51NaN
Total liabilities, $m4468NaN
Total equity, $m438NaN
Debt-to-equity ratio0.116NaN
Adjusted equity ratio0.056NaN

CASH FLOW

Net income, $m54NaN
Depreciation, amort., depletion, $m-3NaN
Funds from operations, $mNaN
Change in working capital, $mNaN
Cash from operations, $m60NaN
Maintenance CAPEX, $mNaN
New CAPEX, $mNaN
Total CAPEX, $m-2NaN
Free cash flow, $m62NaN
Issuance/(repurchase) of shares, $mNaN
Retained Cash Flow, $mNaN
Pot'l extraordinary dividend, $m-872
Cash available for distribution, $mNaN
Discount rate, %NaN
PV of cash for distribution, $mNaN
Current shareholders' claim on cash, %NaN
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