Cambridge Bancorp (CATC) Margin Analysis

Cambridge Bancorp

CATC (NASDAQ)

(%)

Models
Cambridge Bancorp Margin Analysis

# --- Years and Quarters
assumptions.set({
    "timeseries": "annual",
    "data": {
        "#years": """
            4
        """,
        "#quarters": """
            8
        """,
    },
    "titles": {
        "#years": "Years",
        "#quarters": "Quarters",
    },
    "properties": {
        "width": "responsive",
        "title": "Years and Quarters",
        "id": "component-1",
        "bindTo": None
    },
    "descriptions": {
        "#years": r"""
The number of historical years used to render the annual chart and tables.
        """,
        "#quarters": r"""
The number of historical quarters used to render the quarterly chart and tables.
        """,
    }
})

# Render description block
model.render_description({
    "data": r"""
## Margin Analysis Report

Margins refer to the ratio between a financial report item and the revenue (example: Net Income Margin = Net Income / Revenue).

This analysis provides annual and quarterly sections for reporting key financial margins.
""",
    "properties": {
        "width": "responsive"
    }
})

# Render description block
model.render_description({
    "data": r"""
## Annual Section

The annual section uses annual data to calculate margins and growth rates.
""",
    "properties": {
        "width": "full"
    }
})

# --- Income Statement Margins
data.compute({
    "user:%revenueGrowthRate": """
        ( income:revenue / income:revenue:-1 ) - 1
    """,
    "user:%grossMargin": """
        income:grossProfit / income:revenue
    """,
    "user:%operatingMargin": """
        income:operatingIncome / income:revenue
    """,
    "user:%netMargin": """
        income:netIncome / income:revenue
    """,
}, forecast=0, timeseries="annual")

model.render_table({
    "timeseries": "annual",
    "data": {
        "income:revenue": "Revenue",
        "user:%revenueGrowthRate": "Revenue Growth Rate",
        "income:costOfRevenue": "Cost of Revenue",
        "income:grossProfit": "Gross Profit",
        "user:%grossMargin": "Gross Margin",
        "income:operatingIncome": "Operating Income",
        "user:%operatingMargin": "Operating Margin",
        "income:netIncome": "Net Income",
        "user:%netMargin": "Net Margin",
    },
    "start": data.get("""
        -assumption:#years
    """),
    "end": 0,
    "properties": {
        "title": "Income Statement Margins",
        "order": "descending",
        "number_format": "M",
        "include_ltm": True,
        "display_averages": False,
        "width": "responsive"
    }
})

# --- Cash Flow Statement Margins
data.compute({
    "user:%cashFromOperatingActivitiesMargin": """
        flow:netCashProvidedByOperatingActivities / income:revenue
    """,
    "user:%freeCashFlowMargin": """
        flow:freeCashFlow / income:revenue
    """,
    "user:%depreciationAndAmortizationMargin": """
        flow:depreciationAndAmortization / income:revenue
    """,
    "user:%capitalExpenditureMargin": """
        flow:capitalExpenditure / income:revenue
    """,
}, forecast=0, timeseries="annual")

model.render_table({
    "timeseries": "annual",
    "data": {
        "income:revenue": "Revenue",
        "flow:netCashProvidedByOperatingActivities": "Cash from Operating Activities",
        "user:%cashFromOperatingActivitiesMargin": "Cash from Operating Activities Margin",
        "flow:freeCashFlow": "Free Cash Flow",
        "user:%freeCashFlowMargin": "Free Cash Flow Margin",
        "flow:depreciationAndAmortization": "Depreciation and Amortization",
        "user:%depreciationAndAmortizationMargin": "Depreciation and Amortization Margin",
        "flow:capitalExpenditure": "Capital Expenditure",
        "user:%capitalExpenditureMargin": "Capital Expenditure Margin",
    },
    "start": data.get("""
        -assumption:#years
    """),
    "end": 0,
    "properties": {
        "title": "Cash Flow Statement Margins",
        "order": "descending",
        "number_format": "M",
        "include_ltm": True,
        "display_averages": False,
        "width": "responsive"
    }
})

model.render_chart({
    "timeseries": "annual",
    "data": {
        "user:%grossMargin": "Gross Margin",
        "user:%operatingMargin": "Operating Margin",
        "user:%netMargin": "Net Margin",
        "user:%freeCashFlowMargin": "Free Cash Flow Margin",
    },
    "start": data.get("""
        -assumption:#years
    """),
    "end": 0,
    "properties": {
        "title": "Annual Chart",
        "include_ltm": False,
        "set_editable": [],
        "hidden_keys": [],
        "bar_keys": ["user:%grossMargin", "user:%operatingMargin", "user:%netMargin", "user:%freeCashFlowMargin"],
        "width": "full"
    }
})

# Render description block
model.render_description({
    "data": r"""
## Quarterly Section

The quarterly section uses quarterly data to calculate margins and growth rates.
""",
    "properties": {
        "width": "full"
    }
})

model.render_table({
    "timeseries": "quarterly",
    "data": {
        "income:revenue": "Revenue",
        "user:%revenueGrowthRate": "Revenue Growth Rate",
        "income:costOfRevenue": "Cost of Revenue",
        "income:grossProfit": "Gross Profit",
        "user:%grossMargin": "Gross Margin",
        "income:operatingIncome": "Operating Income",
        "user:%operatingMargin": "Operating Margin",
        "income:netIncome": "Net Income",
        "user:%netMargin": "Net Margin",
    },
    "start": data.get("""
        -assumption:#quarters
    """),
    "end": 0,
    "properties": {
        "title": "Income Statement Margins",
        "order": "descending",
        "number_format": "M",
        "display_averages": False,
        "width": "responsive"
    }
})

model.render_table({
    "timeseries": "quarterly",
    "data": {
        "income:revenue": "Revenue",
        "flow:netCashProvidedByOperatingActivities": "Cash from Operating Activities",
        "user:%cashFromOperatingActivitiesMargin": "Cash from Operating Activities Margin",
        "flow:freeCashFlow": "Free Cash Flow",
        "user:%freeCashFlowMargin": "Free Cash Flow Margin",
        "flow:depreciationAndAmortization": "Depreciation and Amortization",
        "user:%depreciationAndAmortizationMargin": "Depreciation and Amortization Margin",
        "flow:capitalExpenditure": "Capital Expenditure",
        "user:%capitalExpenditureMargin": "Capital Expenditure Margin",
    },
    "start": data.get("""
        -assumption:#quarters
    """),
    "end": 0,
    "properties": {
        "title": "Cash Flow Statement Margins",
        "order": "descending",
        "number_format": "M",
        "display_averages": False,
        "width": "responsive"
    }
})

model.render_chart({
    "timeseries": "quarterly",
    "data": {
        "user:%grossMargin": "Gross Margin",
        "user:%operatingMargin": "Operating Margin",
        "user:%netMargin": "Net Margin",
        "user:%freeCashFlowMargin": "Free Cash Flow Margin",
    },
    "start": data.get("""
        -assumption:#quarters
    """),
    "end": 0,
    "properties": {
        "title": "Quarterly Chart",
        "set_editable": [],
        "hidden_keys": [],
        "bar_keys": ["user:%grossMargin", "user:%operatingMargin", "user:%netMargin", "user:%freeCashFlowMargin"],
        "width": "full"
    }
})

Years and Quarters

Years Years The number of historical years used to render the annual chart and tables.	#
Quarters Quarters The number of historical quarters used to render the quarterly chart and tables.	#

Margin Analysis Report

Margins refer to the ratio between a financial report item and the revenue (example: Net Income Margin = Net Income / Revenue).

This analysis provides annual and quarterly sections for reporting key financial margins.

Annual Section

The annual section uses annual data to calculate margins and growth rates.

Income Statement Margins

Monetary values in USD amounts except #	LTM Mar 10	2023 Dec 31	2022 Dec 31	2021 Dec 31	2020 Dec 31
Revenue	190	161.6	186.2	172.3	159.8
Revenue Growth Rate	17.52%	-13.21%	8.08%	7.85%	38.8%
Cost of Revenue	-0.125	0	0	0	7.61
Gross Profit	190.1	161.6	186.2	172.3	152.1
Gross Margin	100.1%	100%	100%	100%	95.24%
Operating Income	65.67	46.41	88.74	73.11	43.36
Operating Margin	34.57%	28.71%	47.65%	42.43%	27.14%
Net Income	28.58	34.11	52.91	54.02	31.96
Net Margin	15.05%	21.1%	28.41%	31.35%	20%

Cash Flow Statement Margins

Monetary values in USD amounts except #	LTM Mar 10	2023 Dec 31	2022 Dec 31	2021 Dec 31	2020 Dec 31
Revenue	190	161.6	186.2	172.3	159.8
Cash from Operating Activities	30.02	33.09	51.95	65.51	36.8
Cash from Operating Activities Margin	15.8%	20.47%	27.9%	38.02%	23.03%
Free Cash Flow	28.92	31.72	50.17	63.48	34.58
Free Cash Flow Margin	15.22%	19.62%	26.94%	36.84%	21.64%
Depreciation and Amortization	1.26	2.33	2.28	-1.84	-8.13
Depreciation and Amortization Margin	0.665%	1.44%	1.23%	-1.07%	-5.09%
Capital Expenditure	-1.1	-1.37	-1.78	-2.03	-2.22
Capital Expenditure Margin	-0.579%	-0.849%	-0.954%	-1.18%	-1.39%

Annual Chart

Monetary values in USD

{"sectionId": "section-chart-1", "sectionType": "chart", "title": "Annual Chart", "timeseries": "annual", "series": [{"label": "Gross Margin", "mappingKey": "user:%grossMargin", "data": [{"l": "2020", "x": "2020-12-31", "y": 95.24}, {"l": "2021", "x": "2021-12-31", "y": 100}, {"l": "2022", "x": "2022-12-31", "y": 100}, {"l": "2023", "x": "2023-12-31", "y": 100}], "dataType": "%", "displayAs": "bar", "dataTimeseries": "annual", "hidden": false}, {"label": "Operating Margin", "mappingKey": "user:%operatingMargin", "data": [{"l": "2020", "x": "2020-12-31", "y": 27.14}, {"l": "2021", "x": "2021-12-31", "y": 42.43}, {"l": "2022", "x": "2022-12-31", "y": 47.65}, {"l": "2023", "x": "2023-12-31", "y": 28.71}], "dataType": "%", "displayAs": "bar", "dataTimeseries": "annual", "hidden": false}, {"label": "Net Margin", "mappingKey": "user:%netMargin", "data": [{"l": "2020", "x": "2020-12-31", "y": 20}, {"l": "2021", "x": "2021-12-31", "y": 31.35}, {"l": "2022", "x": "2022-12-31", "y": 28.41}, {"l": "2023", "x": "2023-12-31", "y": 21.1}], "dataType": "%", "displayAs": "bar", "dataTimeseries": "annual", "hidden": false}, {"label": "Free Cash Flow Margin", "mappingKey": "user:%freeCashFlowMargin", "data": [{"l": "2020", "x": "2020-12-31", "y": 21.64}, {"l": "2021", "x": "2021-12-31", "y": 36.84}, {"l": "2022", "x": "2022-12-31", "y": 26.94}, {"l": "2023", "x": "2023-12-31", "y": 19.62}], "dataType": "%", "displayAs": "bar", "dataTimeseries": "annual", "hidden": false}], "editableDates": {}, "properties": {"display_table": false}, "width": "full"}

Quarterly Section

The quarterly section uses quarterly data to calculate margins and growth rates.

Income Statement Margins

Monetary values in USD amounts except #	2024 (Q1) Mar 31	2023 (Q4) Dec 31	2023 (Q3) Sep 30	2023 (Q2) Jun 30	2023 (Q1) Mar 31	2022 (Q4) Dec 31
Revenue	37.51	56.95	55.7	39.79	44.96	50.95
Revenue Growth Rate	-34.13%	2.25%	39.98%	-11.51%	-11.75%
Cost of Revenue	-0.125	0	0	0	0	0
Gross Profit	37.64	56.95	55.7	39.79	44.96	50.95
Gross Margin	100.3%	100%	100%	100%	100%	100%
Operating Income	11.46	11.12	9.35	33.75	17.38	24.11
Operating Margin	30.54%	19.52%	16.79%	84.82%	38.65%	47.32%
Net Income	6.89	8.03	6.54	7.12	12.42	11.32
Net Margin	18.36%	14.11%	11.75%	17.88%	27.61%	22.22%

Cash Flow Statement Margins

Monetary values in USD amounts except #	2024 (Q1) Mar 31	2023 (Q4) Dec 31	2023 (Q3) Sep 30	2023 (Q2) Jun 30	2023 (Q1) Mar 31	2022 (Q4) Dec 31
Revenue	37.51	56.95	55.7	39.79	44.96	50.95
Cash from Operating Activities	1.48	8.05	14.4	6.08	4.55	28.6
Cash from Operating Activities Margin	3.95%	14.13%	25.86%	15.29%	10.13%	56.13%
Free Cash Flow	1.42	7.92	14.07	5.51	4.22	28.29
Free Cash Flow Margin	3.77%	13.91%	25.26%	13.85%	9.38%	55.52%
Depreciation and Amortization	0.629	0.289	0.265	0.08	0.238	2.23
Depreciation and Amortization Margin	1.68%	0.507%	0.476%	0.201%	0.529%	4.38%
Capital Expenditure	-0.065	-0.127	-0.334	-0.574	-0.337	-0.312
Capital Expenditure Margin	-0.173%	-0.223%	-0.6%	-1.44%	-0.75%	-0.612%

Quarterly Chart

Monetary values in USD

{"sectionId": "section-chart-2", "sectionType": "chart", "title": "Quarterly Chart", "timeseries": "quarterly", "series": [{"label": "Gross Margin", "mappingKey": "user:%grossMargin", "data": [{"l": "2022 (Q4)", "x": "2022-12-31", "y": 100}, {"l": "2023 (Q1)", "x": "2023-03-31", "y": 100}, {"l": "2023 (Q2)", "x": "2023-06-30", "y": 100}, {"l": "2023 (Q3)", "x": "2023-09-30", "y": 100}, {"l": "2023 (Q4)", "x": "2023-12-31", "y": 100}, {"l": "2024 (Q1)", "x": "2024-03-31", "y": 100.3}], "dataType": "%", "displayAs": "bar", "dataTimeseries": "quarterly", "hidden": false}, {"label": "Operating Margin", "mappingKey": "user:%operatingMargin", "data": [{"l": "2022 (Q4)", "x": "2022-12-31", "y": 47.32}, {"l": "2023 (Q1)", "x": "2023-03-31", "y": 38.65}, {"l": "2023 (Q2)", "x": "2023-06-30", "y": 84.82}, {"l": "2023 (Q3)", "x": "2023-09-30", "y": 16.79}, {"l": "2023 (Q4)", "x": "2023-12-31", "y": 19.52}, {"l": "2024 (Q1)", "x": "2024-03-31", "y": 30.54}], "dataType": "%", "displayAs": "bar", "dataTimeseries": "quarterly", "hidden": false}, {"label": "Net Margin", "mappingKey": "user:%netMargin", "data": [{"l": "2022 (Q4)", "x": "2022-12-31", "y": 22.22}, {"l": "2023 (Q1)", "x": "2023-03-31", "y": 27.61}, {"l": "2023 (Q2)", "x": "2023-06-30", "y": 17.88}, {"l": "2023 (Q3)", "x": "2023-09-30", "y": 11.75}, {"l": "2023 (Q4)", "x": "2023-12-31", "y": 14.11}, {"l": "2024 (Q1)", "x": "2024-03-31", "y": 18.36}], "dataType": "%", "displayAs": "bar", "dataTimeseries": "quarterly", "hidden": false}, {"label": "Free Cash Flow Margin", "mappingKey": "user:%freeCashFlowMargin", "data": [{"l": "2022 (Q4)", "x": "2022-12-31", "y": 55.52}, {"l": "2023 (Q1)", "x": "2023-03-31", "y": 9.38}, {"l": "2023 (Q2)", "x": "2023-06-30", "y": 13.85}, {"l": "2023 (Q3)", "x": "2023-09-30", "y": 25.26}, {"l": "2023 (Q4)", "x": "2023-12-31", "y": 13.91}, {"l": "2024 (Q1)", "x": "2024-03-31", "y": 3.77}], "dataType": "%", "displayAs": "bar", "dataTimeseries": "quarterly", "hidden": false}], "editableDates": {}, "properties": {"display_table": false}, "width": "full"}