Cambridge Bancorp's Competitiveness
A competitive positioning analysis and financial ratio benchmarking of Cambridge Bancorp (CATC) against its publicly traded competitors: sales growth, net income, profitability, valuation and market share, plus each peer's market capitalization, revenue, income and employees. Free below: the top 5 peers. Subscriber access adds the full competitor list and CSV downloads.
Key Findings: Cambridge Bancorp vs Its Competitors
- TTM: Trailing 12-month revenue of 154M vs 276M combined for tracked competitors (35.8% combined share).
- Trending: Latest-quarter revenue run-rate is decelerating (-2.7% annualized vs trailing 12 months), vs decelerating (-26.0%) for its tracked peer group.
- Growth: Cambridge Bancorp generated -16.5% revenue growth year over year in Q1 2024, vs -6.8% for its tracked competitors combined.
- Profitability: Its 18.4% net margin compares with 57.5% for the peer group.
- Peer revenue share: Cambridge Bancorp accounted for 42.4% of combined revenue among its tracked peer group, down from 45.0% a year earlier.
- Peer differentiation: Revenue per employee of $0.40M compares with $0.56M for the peer group (0.7x).
Every figure above is sourced and cited in detail further down this page (Market Structure, Profitability & Cost Structure, Productivity vs Peers).
CATC Sales vs. its Competitors, Q1 2024
Cambridge Bancorp reported revenue contraction of 16.46 % year on year in Q1 2024, below its competitors' combined revenue change of -6.78 %.
With a net margin of 18.36 %, Cambridge Bancorp reported lower profitability than its competitors (57.50 %).
Cambridge Bancorp generated 42.35 % of the combined sales of its peer group, down from 45.04 % a year earlier.
Cambridge Bancorp vs. its Competitors, Q1 2024
Revenue growth, year on year
Net margin
Revenue run-rate vs trailing 12 months
TTM net margin
TTM = trailing twelve months. Run-rate annualizes the latest quarter (×4) and compares it to TTM. In millions of $. High-Confidence Competitors are named as a competitor directly in Cambridge Bancorp reports; Similar-Size Competitors are the closest peers by market-cap rank within the same industry; Similar Growth & Profitability Competitors are the closest peers by combined revenue growth, operating margin and ROIC, all independent of the competitor list.
TTM revenue, latest-quarter run-rate and net income/margin benchmarked across Cambridge Bancorp and its 4 competitor groupings. Available under Commercial License.
| Entity | TTM Revenue | Rev Run-rate vs TTM |
|---|---|---|
| Cambridge Bancorp | $12,345M | +12.3% · Accelerating |
| Competitors combined | $12,345M | +12.3% · Accelerating |
TTM revenue, run-rate and net margin benchmarking across Cambridge Bancorp's competitor groups requires a Commercial License.
For context: the Regional Banks industry grew revenue 7.8% year over year, combined, vs -16.5% for Cambridge Bancorp. Cambridge Bancorp's share of combined industry revenue moved from 0.03% to 0.02%, a loss of 0.01 percentage points.
Cambridge Bancorp's Competitor Quality Breadth
Share of each group, trailing 12 months: profitable (net margin > 0), expanding (revenue growth > 0), growing faster than the industry's own median, and financially distressed (Piotroski F-Score of 2 or below).
| Entity | Profitable | Expanding | Above Industry Growth | Distressed |
|---|---|---|---|---|
| Cambridge Bancorp | Yes | No | No | Yes |
| Competitors combined (2) |
Source: CSIMarket API, trailing 12 months. Altman Z-Score is not shown here: it is not populated in the underlying data for any company. Percentages are of companies in each group that report the relevant metric, not of the full group size.
CATC Stock Performance relative to its Competitors
5 Best-Performing Tracked Competitors, Trailing 12 Months
| # | Competitor | TTM Share Price Return | vs U.S.A. 500 |
|---|---|---|---|
| 1 | Alti Global Inc | 282.9% | Outperformed |
TTM share price return and U.S.A. 500 outperformance for Cambridge Bancorp's best-performing tracked competitors requires a Commercial License.
Source: CSIMarket API, trailing 12 months.
Cambridge Bancorp's Comment on Competition and Industry Peers
Publicly Traded Peers of Cambridge Bancorp
Revenue and income for trailing 12 months, in millions of $, except employees| Company | Market Cap | Revenues |
|---|---|---|
| Cambridge Bancorp | 578.80 | 154.24 |
| Alti Global Inc | 296.55 | 276.01 |
| Pearl Holdings Acquisition Corp | 55.35 | - |
| SUBTOTAL | 930.69 | 430.25 |
Sources: Cambridge Bancorp's official press releases and company reports; CSIMarket.com's market research; and the company reports and press releases of the other companies cited.
Updated on:
Focus of this report: publicly traded companies. Ten additional tables on Cambridge Bancorp versus competitors, including market share analysis, are in the navigation menu under Competition. To download the tables, please subscribe.
Cambridge Bancorp's Competitors Named by the Company
Competitive relationships identified from Cambridge Bancorp reports and corroborating sources, each with a basis and confidence.| Competitor | Basis | Confidence |
|---|---|---|
| Alti Global Inc | Company report | 85% |
| Pearl Holdings Acquisition Corp | Company report | 85% |
| Avidia Bancorp, Inc. | Company report | 85% |
| Century Bancorp Inc | Company report | 85% |
| Harborone Bancorp Inc | Company report | 85% |
| Randolph Bancorp Inc. | Company report | 85% |
| Bsb Bancorp, Inc. | Company report | 85% |
| Ecb Bancorp Inc | Company report | 85% |
| Northeast Bancorp | Company report | 85% |
| Wellesley Bancorp Inc | Company report | 85% |
| Beacon Financial Corporation | Company report | 85% |
| Customers Bancorp Inc | Company report | 85% |
| Independent Bank Corporation | Company report | 85% |
| United Financial Bancorp Inc | Company report | 85% |
| Boston private financial holdings inc | Company report | 85% |
| Hampden Bancorp, Inc. | Company report | 85% |
| Provident Bancorp Inc | Company report | 85% |
| Winchester Bancorp Inc | Company report | 85% |
| Blue Hills Bancorp, Inc. | Company report | 85% |
| Enterprise Bancorp inc | Company report | 85% |
| Independent Bank Corp | Company report | 85% |
| Washington Trust Bancorp Inc | Company report | 85% |
Company report basis, confidence, active dates and source counts for Cambridge Bancorp's named competitors require a Commercial License.
Methodology: relationships are extracted from Cambridge Bancorp reports (named-competitor disclosures) and corroborating sources. Confidence reflects evidence strength.
Cambridge Bancorp's Productivity vs Peers Comparison
Revenue and income per employee, trailing 12 months, in $; market cap in millions of $| Company | Market Cap | Revenue / Employee | Income / Employee |
|---|---|---|---|
| Cambridge Bancorp | 579 | 399,591 | 74,044 |
| Alti Global Inc | 297 | 563,280 | -294,910 |
| Pearl Holdings Acquisition Corp | 55 | - | - |
| PEERS TOTAL | 352 | 563,280 | -293,399 |
Cambridge Bancorp's Profitability & Cost Structure
Trailing 12-month margins from SEC-filed financials. Operating margin is compared to the Regional Banks industry median; gross margin, EBITDA margin and capital intensity are compared to the live industry average (2 companies). See the full Regional Banks industry profitability benchmarks.| Metric | Company | Industry | Difference |
|---|---|---|---|
| Gross Margin | - | 56.54 % (avg) | - |
| Operating Margin | - | industry median | - |
| EBITDA Margin | 59.47 % | 50.49 % (avg) | +9.0 pp |
| Capital Intensity (Capex / Revenue) | 0.71 % | 2.34 % (avg) | -1.6 pp |
Source: CSIMarket API, trailing 12 months. SG&A and R&D as a share of revenue have limited coverage as this data is backfilled and appear only where reported. Higher capital intensity is not inherently negative; it reflects the industry's asset requirements.
Cambridge Bancorp's Valuation vs Competitive Position
Valuation multiples vs the Regional Banks industry average (2 companies, excluding loss-making/negative-equity outliers), alongside returns on capital for context on whether a premium or discount lines up with measurably stronger or weaker returns. See the full Regional Banks industry valuation benchmarks.| Metric | Company | Industry Average | Difference |
|---|---|---|---|
| P/E | 39.1x | - | - |
| EV / EBITDA | 11.8x | - | - |
| P/B | 2.1x | - | - |
| Return on Equity | 5.38 % | industry aggregate | -3.03 % |
| Return on Invested Capital | 0.66 % | 4.16 % (avg) | -3.50 % |
Source: CSIMarket API, trailing 12 months. A valuation premium or discount is not, by itself, a judgment of over- or under-valuation. Compare it against the return and growth context shown elsewhere on this page.
Cambridge Bancorp's Multi-Year Financial Trajectory
Fiscal-year revenue growth, operating margin, return on invested capital and P/E, as reported in company reports.| Metric | 2019 | 2020 | 2021 | 2022 | 2023 |
|---|---|---|---|---|---|
| Revenue Growth | 17.90 % | 26.19 % | 22.73 % | 5.04 % | -11.36 % |
| Operating Margin | 30.26 % | 30.66 % | - | - | - |
| Return on Invested Capital | 6.27 % | 4.55 % | 7.57 % | 2.06 % | 0.77 % |
| P/E | 14.4x | 14.8x | 0.1x | 2.0x | 26.0x |
Source: CSIMarket API, fiscal-year figures. P/E is this company's own historical ratio at each fiscal year end and can swing sharply around an earnings trough: that is real, not a data error.
Cambridge Bancorp's Competitive Forces (Porter's Five Forces)
Only the forces this data can support honestly are shown; the other three are marked as such rather than guessed.| Force | Assessment | Basis |
|---|---|---|
| Barriers to Entry | Lower than typical for the industry | Capital intensity (capex / revenue) of 0.71 % vs industry average 2.34 % (see Profitability & Cost Structure above) |
| Supplier Power | Not covered on this page | See Cambridge Bancorp's dedicated suppliers page for concentration and dependency data |
| Buyer Power | Not covered on this page | See Cambridge Bancorp's dedicated customers page for concentration and dependency data |
| Threat of Substitutes | - | No systematic data source for cross-product substitution exists in this system; not estimated |
Note: this is a partial, data-grounded application of the framework, not a complete strategic assessment. Rivalry and barriers-to-entry readings are mechanical translations of the HHI and capital-intensity figures shown elsewhere on this page, not independent judgments.
Cambridge Bancorp's Industry Attractiveness & Competitive Strength
A CSIMarket composite, not a standard field: each axis is an equal-weighted average of three factors already shown elsewhere on this page (industry growth, industry profitability and rivalry for attractiveness; relative market share, profitability and growth vs industry for strength). Disclosed as a designed methodology, not a precision measurement.
Cambridge Bancorp falls in the High attractiveness / High strength cell: Invest / Grow.
Source: CSIMarket API, trailing 12 months. Each axis score is a simple 1(low)/2(medium)/3(high) average across its three inputs -- a transparent, disclosed simplification, not a validated academic scoring model.
Cambridge Bancorp's SWOT
Every point below is a fixed rule applied to a metric already shown elsewhere on this page (Market Structure, Profitability, Valuation, Run-Rate, Stock Performance, Quality Breadth) not an independent strategic assessment. A blank quadrant means no rule was met, not that none apply.Strengths
No rule matched.
Weaknesses
- Latest-quarter revenue run-rate is decelerating (-2.7% annualized vs trailing 12 months).
- Piotroski F-Score of 2 or below, the standard financial-distress signal.
Opportunities
- Industry revenue growing at a healthy 11.9% median pace.
- A meaningful share of tracked competitors (100.00 %) show financial-distress signals, a possible opening to gain share.
Threats
- Tracked peer group's revenue run-rate is broadly decelerating (-26.0% annualized).
Methodology: mechanical, rule-based SWOT. Each bullet reuses a figure already sourced and cited elsewhere on this page; nothing here is generated narrative or independent analyst judgment.
Cambridge Bancorp's Financial Strength vs Peers Comparison
Quick ratio, working capital, debt to equity and asset turnover, trailing 12 months| Company | Quick Ratio | Working Capital | Debt / Equity |
|---|---|---|---|
| Cambridge Bancorp | 0.01 | 1.07 | - |
| Alti Global Inc | - | - | 0.01 |
| Pearl Holdings Acquisition Corp | 0.08 | 0.10 | - |
Quick ratio = cash / current liabilities; working capital ratio = current assets / current liabilities; asset turnover = revenue / total assets. Peers in the Blank Checks industry are excluded.
Cambridge Bancorp's Revenue and Income Growth vs Peers
Quarterly revenue and net income growth, year over year and quarter over quarter| Company | Period | Revenue Y/Y | Income Y/Y |
|---|---|---|---|
| Cambridge Bancorp | Q1 2024 | -16.5 % | -44.5 % |
| Alti Global Inc | Q2 2026 | +8.6 % | - |
| Pearl Holdings Acquisition Corp | Q3 2024 | - | - |
| PEERS TOTAL | -2.8 % | - |
Growth is shown only where both periods are positive. Peers in the Blank Checks industry are excluded.
Cambridge Bancorp's Peers' Costs of Sales and Capital Expenditures
Context for revenue growth: peer costs and capex, year over year and quarter over quarter| Company | Period | Costs Y/Y | Capex Y/Y |
|---|---|---|---|
| Cambridge Bancorp | Q1 2024 | +108.3 % | -80.7 % |
| Alti Global Inc | Q2 2026 | - | +2,991.7 % |
| Pearl Holdings Acquisition Corp | Q3 2024 | - | - |
Cambridge Bancorp's Returns and Turnover vs Peers
ROA, ROI and ROE (trailing 12 months), receivables and inventory turnover| Company | ROA | ROI | ROE |
|---|---|---|---|
| Cambridge Bancorp | 0.53% | 0.53% | 5.38% |
| Alti Global Inc | - | - | - |
| Pearl Holdings Acquisition Corp | 3.05% | 3.33% | - |
ROA = net income / total assets; ROI = net income / investments; ROE = net income / equity; turnover ratios use trailing 12 month revenue (receivables) and cost of sales (inventory).
Cambridge Bancorp's Valuation vs Peers
P/E, price to sales, PEG, price to cash flow and price to book| Company | P/E | Price / Sales |
|---|---|---|
| Cambridge Bancorp | 20.27 | 3.75 |
| Alti Global Inc | - | 1.07 |
| Pearl Holdings Acquisition Corp | 105.57 | - |
| PEERS AVERAGE | - | 2.16 |
P/E = price / diluted EPS (trailing 12 months); PEG = P/E divided by EPS growth; the average row divides the peers' combined market cap by their combined income, sales, cash flow and equity.