Cambridge Bancorp (NASDAQ:CATC – Get Free Report) and Albina Community Bancorp (OTCMKTS:ACBCQ – Get Free Report) are both finance companies, but which is the better business? We will contrast the two businesses based on the strength of their valuation, dividends, profitability, earnings, analyst recommendations, risk and institutional ownership.
Earnings & Valuation
This table compares Cambridge Bancorp and Albina Community Bancorp’s gross revenue, earnings per share and valuation.
Gross Revenue | Price/Sales Ratio | Net Income | Earnings Per Share | Price/Earnings Ratio | |
Cambridge Bancorp | $162.54 million | 3.13 | $34.11 million | $4.34 | 14.91 |
Albina Community Bancorp | N/A | N/A | N/A | N/A | N/A |
Cambridge Bancorp has higher revenue and earnings than Albina Community Bancorp.
Profitability
Net Margins | Return on Equity | Return on Assets | |
Cambridge Bancorp | 12.25% | 7.59% | 0.73% |
Albina Community Bancorp | N/A | N/A | N/A |
Analyst Ratings
This is a summary of recent ratings and recommmendations for Cambridge Bancorp and Albina Community Bancorp, as reported by MarketBeat.
Sell Ratings | Hold Ratings | Buy Ratings | Strong Buy Ratings | Rating Score | |
Cambridge Bancorp | 0 | 1 | 1 | 0 | 2.50 |
Albina Community Bancorp | 0 | 0 | 0 | 0 | N/A |
Cambridge Bancorp currently has a consensus price target of $73.15, suggesting a potential upside of 13.03%. Given Cambridge Bancorp’s higher probable upside, analysts clearly believe Cambridge Bancorp is more favorable than Albina Community Bancorp.
Risk and Volatility
Cambridge Bancorp has a beta of 0.58, suggesting that its share price is 42% less volatile than the S&P 500. Comparatively, Albina Community Bancorp has a beta of 3.99, suggesting that its share price is 299% more volatile than the S&P 500.
Insider and Institutional Ownership
55.5% of Cambridge Bancorp shares are held by institutional investors. 4.5% of Cambridge Bancorp shares are held by company insiders. Strong institutional ownership is an indication that large money managers, endowments and hedge funds believe a stock will outperform the market over the long term.
Summary
Cambridge Bancorp beats Albina Community Bancorp on 8 of the 9 factors compared between the two stocks.
About Cambridge Bancorp
Cambridge Bancorp operates as the bank holding company for Cambridge Trust Company that engages in the provision of commercial and consumer banking, and investment management and trust services. The company accepts various 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 products include residential and commercial real estate loans; construction loan; residential mortgages and home equity loans; commercial and industrial loans; consumer loans, such as secured and unsecured loans, lines of credit, and personal installment loans; and construction loans. The company also offers cash management, debit and credit cards, online and mobile banking, and payments services. It serves commercial enterprises, non-profit organizations, and individuals. The company operates through a network of banking and wealth management offices located in Massachusetts and New Hampshire. Cambridge Bancorp was founded in 1890 and is headquartered in Cambridge, Massachusetts.
About Albina Community Bancorp
Albina Community Bancorp operates as a bank holding company for Albina Community Bank that provides various banking products and services in Portland. The company offers checking, savings, and money market deposit accounts, as well as certificates of deposits and individual retirement accounts. It also provides personal loans, home equity lines of credit, operating lines of credit, term loans, and commercial real estate loans; government guaranteed lending and accounts receivable financing; and credit cards. In addition, the company offers online banking and cash management, merchant, wire transfer, online bill payment, business payroll, deposit courier, night depository, automated customer, free cash withdrawals, and workplace banking services, as well as overdraft protection products. Albina Community Bancorp was incorporated in 1993 and is based in Portland, Oregon. On September 17, 2014, Albina Community Bancorp filed a voluntary petition for liquidation under Chapter 7 in the US Bankruptcy Court for the District of Oregon.
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