This company has been acquired
Cambridge Bancorp Balance Sheet Health
Financial Health criteria checks 6/6
Cambridge Bancorp has total assets of $5.4B and total equity of $535.6M. Total deposits are $4.2B, and total loans are $4.0B. It earns a Net Interest Margin of 2.3%. It has sufficient allowance for bad loans, which are currently at 0.4% of total loans. Cash and short-term investments are $79.9M.
Key information
10x
Asset to equity ratio
2.3%
Net interest margin
| Total deposits | US$4.19b |
| Loan to deposit ratio | Appropriate |
| Bad loans | 0.4% |
| Allowance for bad loans | Sufficient |
| Current ratio | Low |
| Cash & equivalents | US$79.88m |
Recent financial health updates
Recent updates
Financial Position Analysis
Debt to Equity History and Analysis
Balance Sheet
Financial Institutions Analysis
Asset Level: CATC's Assets to Equity ratio (10x) is moderate.
Allowance for Bad Loans: CATC has a sufficient allowance for bad loans (229%).
Low Risk Liabilities: 87% of CATC's liabilities are made up of primarily low risk sources of funding.
Loan Level: CATC has an appropriate level of Loans to Assets ratio (74%).
Low Risk Deposits: CATC's Loans to Deposits ratio (95%) is appropriate.
Level of Bad Loans: CATC has an appropriate level of bad loans (0.4%).
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Company Analysis and Financial Data Status
| Data | Last Updated (UTC time) |
|---|---|
| Company Analysis | 2024/07/15 11:24 |
| End of Day Share Price | 2024/07/15 00:00 |
| Earnings | 2024/03/31 |
| Annual Earnings | 2023/12/31 |
Data Sources
The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.
| Package | Data | Timeframe | Example US Source * |
|---|---|---|---|
| Company Financials | 10 years |
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| Analyst Consensus Estimates | +3 years |
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| Market Prices | 30 years |
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| Ownership | 10 years |
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| Management | 10 years |
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| Key Developments | 10 years |
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* Example for US securities, for non-US equivalent regulatory forms and sources are used.
Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more.
Analysis Model and Snowflake
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Industry and Sector Metrics
Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on Github.
Analyst Sources
Cambridge Bancorp is covered by 5 analysts. 1 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.
| Analyst | Institution |
|---|---|
| Jacob Civiello | Brean Capital Historical (Janney Montgomery) |
| David Bishop | D.A. Davidson & Co. |
| Christopher McGratty | Keefe, Bruyette, & Woods |