California Business Bank (OTCMKTS:CABB) vs Cambridge Bancorp (NASDAQ:CATC) Critical Analysis

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California Merchant Bank (OTCMKTS: CABBGet a rating) and Cambridge Bancorp (NASDAQ: CATCGet a rating) are both small cap finance companies, but which is the better company? We’ll compare the two companies based on their dividend strength, risk, profitability, institutional ownership, valuation, earnings, and analyst recommendations.

Profitability

This table compares the net margins, return on equity, and return on assets of California Business Bank and Cambridge Bancorp.

Net margins Return on equity return on assets
California Merchant Bank N / A N / A N / A
Cambridge Bancorp 30.38% 12.94% 1.22%

Benefits and evaluation

This table compares the gross revenue, earnings per share and valuation of California Business Bank and Cambridge Bancorp.

Gross revenue Price/sales ratio Net revenue Earnings per share Price/earnings ratio
California Merchant Bank N / A N / A N / A N / A N / A
Cambridge Bancorp $177.84 million 3.14 $54.02 million $7.67 10.41

Cambridge Bancorp has higher revenues and profits than California Business Bank.

Institutional and Insider Ownership

51.9% of Cambridge Bancorp shares are held by institutional investors. 3.2% of Cambridge Bancorp shares are held by insiders. Strong institutional ownership indicates that hedge funds, endowments, and large fund managers believe a company is poised for long-term growth.

Analyst Recommendations

This is a breakdown of recent ratings from California Business Bank and Cambridge Bancorp, provided by MarketBeat.

Sales Ratings Hold odds Buy reviews Strong buy odds Rating
California Merchant Bank 0 0 0 0 N / A
Cambridge Bancorp 0 0 3 0 3.00

Cambridge Bancorp has a consensus target price of $96.75, indicating a potential upside of 21.21%. Given Cambridge Bancorp’s possible higher upside, analysts clearly believe that Cambridge Bancorp is more favorable than California Business Bank.

Risk and Volatility

California Business Bank has a beta of 0.24, meaning its stock price is 76% less volatile than the S&P 500. Comparatively, Cambridge Bancorp has a beta of 0.52, meaning its stock price is 48 % less volatile than the S&P 500.

Summary

Cambridge Bancorp beats California Business Bank on 9 out of 9 factors compared between the two stocks.

About California Business Bank (Get a rating)

California Business Bank offers various financial products and services to small businesses and entrepreneurs. The Company offers various personal and business deposit products; and business and commercial loans including SBA, commercial and industrial and commercial real estate loans. It also provides online and mobile banking, mobile deposits, bill payment and other services. The company was founded in 2005 and is based in Irvine, California.

About Cambridge Bancorp (Get a rating)

Cambridge Bancorp LogoCambridge Bancorp operates as a bank holding company for Cambridge Trust Company which provides corporate and personal banking services, as well as investment management and trust services. The company accepts various deposits, such as individual checking, savings, money market, trust and retirement accounts; and term and demand deposits, and certificates of deposit. Its lending 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 ready for construction. The company also offers cash management, online and mobile banking, and payment 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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