Cambridge Bancorp (CATC) Stock Analysis
For informational purposes only. Not financial advice. Analysis by Sedat ANAK, Founder & Editor-in-Chief | AI-powered analysis. Data sourced from SEC filings and institutional-grade financial providers. Editorially reviewed. Not financial advice.
Cambridge Bancorp (CATC) trades at $220.00 with AI Score 45/100 (Grade C). Cambridge Bancorp, through its subsidiary Cambridge Trust Company, provides a range of banking and wealth management services. Sector: Financial services.
Price as of Jul 23, 2026 · Last analyzed: May 10, 2026Analyst Coverage for CATC: CATC does not currently have published analyst price targets in our coverage universe. This is common for smaller-cap names with limited Wall Street coverage. In the absence of analyst consensus, our AI model evaluates CATC against Financial Services peers across nine fundamental dimensions and assigns an underweight signal based on the underlying data.
CATC: 2/3 scored disciplines lean bearish. Dominant signal: Seth Klarman bearish.
How is this calculated? →Why this analysis is different
- A 9-signal quantitative MoonshotScore built from filings, insider activity, and market data — computed from the numbers, not from opinion.
- An AI Council read across up to eight perspectives — value, macro, quantitative, and momentum lenses — that shows where they disagree instead of averaging the tension away.
- Figures come straight from FMP and Yahoo Finance filings data. The AI writes the narrative around the numbers — it never edits the numbers.
Cambridge Bancorp (CATC) Financial Services Profile
Cambridge Bancorp, operating as Cambridge Trust Company, delivers commercial and consumer banking alongside investment management and trust services. With a network spanning Eastern Massachusetts and New Hampshire, the company focuses on serving commercial enterprises, non-profit organizations, and individuals, distinguishing itself through personalized financial solutions and community-focused banking.
What Is the Investment Thesis for CATC?
Cambridge Bancorp presents a compelling investment case rooted in its established regional presence, diversified financial service offerings, and consistent profitability. With a profit margin of 21.1%, the company demonstrates efficient operations and effective revenue generation. The dividend yield of 1.22% provides a steady income stream for investors. Growth catalysts include expansion of wealth management services and strategic lending initiatives within its existing geographic footprint. However, investors may want to evaluate the potential impact of interest rate fluctuations and regulatory changes on the banking sector. The company's P/E ratio of 50.5 suggests a premium valuation, reflecting investor expectations for future growth. Monitoring loan portfolio performance and deposit growth will be crucial in assessing the long-term sustainability of Cambridge Bancorp's financial performance.
Based on FMP financials and quantitative analysis
CATC Key Highlights
- Profit Margin of 21.1% indicates strong operational efficiency and effective cost management.
- Gross Margin of 100.0% reflects the nature of the banking business model, primarily driven by net interest income and fees.
- Dividend Yield of 1.22% provides a steady income stream for investors, demonstrating a commitment to shareholder returns.
- Beta of 0.64 suggests lower volatility compared to the overall market, potentially appealing to risk-averse investors.
- P/E Ratio of 50.5 indicates a premium valuation, reflecting investor expectations for future earnings growth.
Who Are CATC's Competitors?
CATC is benchmarked below against 8 industry peers on price, market cap, and our AI MoonshotScore.
| Company | Price | Change | Market Cap | AI Score |
|---|---|---|---|---|
| USB U.S. Bancorp | $63.33 | -1.77% | $98.7B | 96 |
| MTB M&T Bank Corporation | $245.97 | -1.90% | $36.0B | 92 |
| KEY KeyCorp | $22.72 | -1.69% | $24.5B | 94 |
| ZION Zions Bancorporation, National Association | $68.67 | -2.00% | $10.1B | 94 |
| COLB Columbia Banking System, Inc. | $32.26 | -1.13% | $9.34B | 93 |
| BOKF BOK Financial Corporation | $141.22 | -0.23% | $8.58B | 93 |
| UBSI United Bankshares, Inc. | $47.23 | +0.69% | $6.51B | 96 |
| AUB Atlantic Union Bankshares Corporation | $42.16 | -0.43% | $6.03B | 97 |
AI Score by Stock Expert AI · Price data: FMP / Yahoo Finance
What Are CATC's Key Strengths?
- Strong regional presence in Eastern Massachusetts and New Hampshire.
- Diversified financial service offerings.
- Experienced management team.
- High Gross Margin of 100.0%.
What Are CATC's Weaknesses?
- Relatively high P/E ratio of 50.5.
- Limited geographic diversification.
- Dependence on interest rate environment.
- Smaller scale compared to larger national banks.
What Could Drive CATC Stock Higher?
- Expansion of wealth management services to capture a larger share of the high-net-worth market.
- Strategic lending initiatives focused on specific sectors or industries within its geographic footprint.
- Implementation of digital banking enhancements to improve customer experience and attract new customers.
- Strengthening community engagement and brand building to enhance Cambridge Bancorp's reputation.
What Are the Key Risks for CATC?
- Financial-distress signal — its Altman Z-Score of 0.35 sits in the distress zone (elevated bankruptcy risk).
- Rich valuation — a P/E of 50.5 runs well above the Financial Services sector’s ~18x, leaving little room for a miss.
- Increasing competition from larger national banks and fintech companies.
- Regulatory changes and compliance costs impacting profitability.
- Economic downturn and credit risk affecting loan portfolio performance.
- Interest rate fluctuations impacting net interest margin.
- Cybersecurity threats and data privacy concerns.
What Are the Growth Opportunities for CATC?
- Expansion of Wealth Management Services: Cambridge Bancorp has the opportunity to expand its wealth management services to capture a larger share of the high-net-worth market in Eastern Massachusetts and New Hampshire. The wealth management industry is projected to grow at an annual rate of 7-10% over the next five years, driven by increasing affluence and demand for financial planning services. By leveraging its existing client relationships and expanding its team of financial advisors, Cambridge Bancorp can increase its assets under management and generate higher fee income.
- Strategic Lending Initiatives: Cambridge Bancorp can pursue strategic lending initiatives focused on specific sectors or industries within its geographic footprint. For example, the company could increase its lending to small businesses or invest in renewable energy projects. The market for small business loans is estimated at $800 billion annually, while the renewable energy sector is experiencing rapid growth. By targeting these high-growth areas, Cambridge Bancorp can increase its loan portfolio and diversify its revenue streams.
- Digital Banking Enhancements: Investing in digital banking enhancements can improve customer experience and attract new customers. The adoption of digital banking is increasing rapidly, with mobile banking usage growing by 15-20% annually. By offering a user-friendly mobile app, online account opening, and other digital services, Cambridge Bancorp can enhance customer loyalty and attract younger customers who prefer digital channels.
- Mergers and Acquisitions: Cambridge Bancorp could pursue mergers and acquisitions to expand its geographic footprint and increase its market share. The regional banking sector is consolidating, with larger banks acquiring smaller institutions to achieve economies of scale and expand their customer base. By acquiring a smaller bank or wealth management firm, Cambridge Bancorp can enter new markets and increase its assets under management.
- Community Engagement and Brand Building: Strengthening community engagement and brand building can enhance Cambridge Bancorp's reputation and attract new customers. By sponsoring local events, supporting charitable organizations, and promoting financial literacy, Cambridge Bancorp can build goodwill and increase its visibility in the community. A strong brand reputation can differentiate Cambridge Bancorp from its competitors and attract customers who value local expertise and community involvement.
What Opportunities Does CATC Have?
- Expansion of wealth management services.
- Strategic lending initiatives in high-growth sectors.
- Digital banking enhancements to attract new customers.
- Mergers and acquisitions to expand geographic footprint.
What Threats Does CATC Face?
- Increasing competition from larger national banks and fintech companies.
- Regulatory changes and compliance costs.
- Economic downturn and credit risk.
- Interest rate fluctuations.
What Are CATC's Competitive Advantages?
- Established regional presence in Eastern Massachusetts and New Hampshire.
- Long-standing relationships with commercial and individual clients.
- Diversified financial service offerings, including banking, investment management, and trust services.
- Strong local market expertise and community involvement.
What Does CATC Do?
Founded in 1890 and headquartered in Cambridge, Massachusetts, Cambridge Bancorp operates as the bank holding company for Cambridge Trust Company. The bank offers a comprehensive suite of financial services, including commercial and consumer banking, investment management, and trust services. Cambridge Trust Company accepts a variety of deposits, such as checking, savings, money market, trust, and individual retirement accounts, as well as time and demand deposits and certificates of deposit. Its loan portfolio includes 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, personal installment loans, and construction loans. Cambridge Bancorp distinguishes itself through its commitment to providing personalized financial solutions and building long-term relationships with its clients. The company also offers cash management, online and mobile banking, and payments services, catering to the evolving needs of its diverse customer base. With 19 banking offices in Eastern Massachusetts and New Hampshire, coupled with wealth management offices, Cambridge Bancorp maintains a strong regional presence. The company focuses on serving commercial enterprises, non-profit organizations, and individuals, emphasizing local expertise and community involvement. Cambridge Bancorp's history reflects a dedication to financial stability and customer service, positioning it as a trusted financial partner in the communities it serves.
What Products and Services Does CATC Offer?
- Provides commercial and consumer banking services.
- Offers investment management and trust services.
- Accepts various deposits, including checking, savings, and money market accounts.
- Provides residential and commercial real estate loans.
- Offers home equity lines of credit and term loans.
- Provides commercial and industrial loans.
- Offers cash management, online and mobile banking, and payments services.
How Does CATC Make Money?
- Generates revenue through net interest income from loans and investments.
- Earns fee income from wealth management, trust services, and transaction fees.
- Manages deposits and provides banking services to commercial enterprises, non-profit organizations, and individuals.
- Operates a network of banking and wealth management offices in Eastern Massachusetts and New Hampshire.
What Industry Does CATC Operate In?
Cambridge Bancorp operates within the regional banking sector, which is characterized by intense competition and evolving regulatory landscapes. The industry is influenced by factors such as interest rate movements, economic growth, and technological advancements. Regional banks like Cambridge Bancorp face competition from larger national banks, credit unions, and fintech companies. The trend towards digital banking and increased regulatory scrutiny are reshaping the industry. Cambridge Bancorp's focus on personalized service and local market expertise positions it to effectively compete within its geographic footprint.
Who Are CATC's Key Customers?
- Commercial enterprises seeking banking and financial services.
- Non-profit organizations requiring cash management and lending solutions.
- Individuals seeking personal banking, investment management, and trust services.
- High-net-worth individuals seeking wealth management and financial planning services.
F-Score 4/9Financial Health
Cambridge Bancorp's Piotroski F-Score is 4/9, a 9-point checklist of profitability, leverage and efficiency — a middling fundamental profile. Its Altman Z-Score of 0.35 places it in the distress zone, a signal of elevated financial risk.
ROE 6%Key Financial Metrics
Return on equity for Cambridge Bancorp stands at 6.5%, a gauge of how efficiently it converts shareholder capital into profit. Return on assets is 0.6%, showing how much profit it generates from its asset base. CATC trades at a trailing price-to-earnings ratio of 50.49, above the Financial Services sector average of ~18x. A current ratio of 0.02 means current liabilities exceed short-term assets, a liquidity point worth watching. Its earnings yield is 2.0%, the inverse of the P/E and a quick read on earnings relative to price.
Cambridge Bancorp (CATC) Valuation Context
Relative to its peer group, CATC's quantitative score of 45/100 is below the peer average of 94/100.
CATC Financials
Fundamental Snapshot
Based on FMP financials and quantitative analysis
Bull Case vs Bear Case
Bull Case
- Recent insider buying suggests confidence in Cambridge Bancorp's growth prospects, indicating that those closest to the company believe in its future.
- Community sentiment has shifted positively, with discussions highlighting the bank's strong local presence and customer relationships.
- Market perception has been buoyed by a favorable economic environment for regional banks, creating optimism around future performance.
- The bank's recent strategic initiatives to enhance digital banking services resonate well with tech-savvy customers, attracting a younger demographic.
Bear Case
- Concerns over potential regulatory changes in the banking sector have led to increased skepticism among investors about future profitability.
- Some community discussions reflect apprehension regarding rising competition from fintech companies, which could pressure traditional banks like Cambridge Bancorp.
- Recent macroeconomic indicators suggest a slowdown, raising fears about loan defaults and overall banking performance.
- Negative sentiment has been fueled by reports of slower growth in the local economy, which may impact the bank's lending capabilities.
AI-generated arguments based on insider flow, news sentiment and technicals — not financial advice · February 2026
CATC Latest News
No recent news available for CATC.
CATC Analyst Consensus
Consensus Rating
Aggregated Buy/Hold/Sell recommendations from Benzinga, Yahoo Finance, and Finnhub for CATC.
Price Targets
Wall Street price target analysis for CATC.
CATC MoonshotScore
What does this score mean?
The MoonshotScore rates CATC 0-100 on quantitative fundamentals — growth, financial health, valuation, momentum, and risk.
Leadership: Denis K. Sheahan
CEO
Denis K. Sheahan serves as the CEO of Cambridge Bancorp, leading the organization and managing its 407 employees. His career reflects extensive experience in the financial services industry. Sheahan's background includes various leadership roles in banking and financial management, providing him with a deep understanding of the industry's dynamics. His expertise encompasses strategic planning, risk management, and customer relationship management. Sheahan's leadership is focused on driving growth, enhancing shareholder value, and maintaining the company's commitment to its customers and communities.
Track Record: Under Denis K. Sheahan's leadership, Cambridge Bancorp has focused on expanding its wealth management services and strengthening its regional presence. Key achievements include maintaining a strong profit margin and navigating the evolving regulatory landscape. Sheahan has emphasized strategic lending initiatives and digital banking enhancements to drive growth. His tenure has been marked by a commitment to community involvement and building long-term relationships with clients.
What Investors Ask About Cambridge Bancorp (CATC) — Financial Services
What does the AI Score mean for CATC?
CATC holds an AI Score of 45/100 (Grade: C). This is an educational research signal, not a buy or sell recommendation. Cambridge Bancorp, through its subsidiary Cambridge Trust Company, provides a range of banking and wealth management services. The company operates primarily in Eastern Massachusetts and New …
What does Cambridge Bancorp do?
Cambridge Bancorp, through its subsidiary Cambridge Trust Company, provides a comprehensive suite of financial services, including commercial and consumer banking, investment management, and trust services. The company operates primarily in Eastern Massachusetts and New Hampshire, serving commercial enterprises, non-profit organizations, and individuals.
What do analysts say about CATC stock?
Analyst coverage of Cambridge Bancorp (CATC) is limited, but generally reflects a neutral to positive outlook based on the company's consistent profitability and regional presence. Key valuation metrics, such as the P/E ratio, suggest a premium valuation, reflecting investor expectations for future growth.
What are the main risks for CATC?
Cambridge Bancorp faces several key risks, including increasing competition from larger national banks and fintech companies, regulatory changes and compliance costs, economic downturn and credit risk, and interest rate fluctuations. The company's profitability is sensitive to changes in interest rates, which can impact its net interest margin.
How sensitive is CATC to interest rate changes?
Cambridge Bancorp's profitability is significantly influenced by interest rate changes. As a regional bank, its net interest margin (NIM), the difference between interest income from loans and interest expense on deposits, is a key driver of revenue. Rising interest rates can increase NIM if loan yields increase faster than deposit rates.
What regulatory challenges does Cambridge Bancorp face?
Cambridge Bancorp, like all banks, operates in a highly regulated environment. Key regulatory challenges include compliance with capital requirements, consumer protection laws, and anti-money laundering regulations. The company must maintain adequate capital reserves to absorb potential losses and comply with regulations such as the Dodd-Frank Act. Consumer protection laws require fair lending practices and transparent disclosure of fees and terms.
What are the key factors to evaluate for CATC?
Cambridge Bancorp (CATC) holds an AI score of 45/100 (low). P/E: 50.5x vs the S&P 500's ~20-25x. Not financial advice.
How frequently does CATC data refresh on this page?
CATC's price was last updated on Jul 23, 2026 and refreshes on page view during U.S. market hours — it is not a real-time exchange feed. Fundamentals update after quarterly filings; the MoonshotScore recalculates nightly; news aggregates continuously.
What has driven CATC's recent stock price performance?
Cambridge Bancorp (CATC) moves on earnings results, analyst revisions, sector rotation, and market sentiment. Notable catalyst: Strong regional presence in Eastern Massachusetts and New Hampshire. See the News tab for the latest drivers. Past performance does not predict future results.
Disclaimer: This content is for informational purposes only and does not constitute investment advice. Always do your own research and consult a financial advisor.
Official Resources
Data provided for informational purposes only.
- Information is based on available data and may be subject to change.
- Financial metrics are as of the latest available reporting period.