Cambridge Bancorp (NASDAQ:CATC) vs. Albina Community Bancorp (OTCMKTS:ACBCQ) Head-To-Head Analysis

Cambridge Bancorp (NASDAQ:CATC) and Albina Community Bancorp (OTCMKTS:ACBCQ) are both finance companies, but which is the better stock? We will contrast the two companies based on the strength of their institutional ownership, dividends, risk, analyst recommendations, profitability, valuation and earnings.

Valuation and Earnings

This table compares Cambridge Bancorp and Albina Community Bancorp’s top-line revenue, earnings per share (EPS) and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Cambridge Bancorp	$260.26 million	1.94	$34.11 million	$3.63	17.71
Albina Community Bancorp	N/A	N/A	N/A	N/A	N/A

Cambridge Bancorp has higher revenue and earnings 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.

Institutional & Insider Ownership

55.5% of Cambridge Bancorp shares are owned by institutional investors. 4.5% of Cambridge Bancorp shares are owned by insiders. Strong institutional ownership is an indication that endowments, large money managers and hedge funds believe a company is poised for long-term growth.

Analyst Recommendations

This is a breakdown of current 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 presently has a consensus target price of $73.15, indicating a potential upside of 13.80%. Given Cambridge Bancorp’s higher possible upside, analysts plainly believe Cambridge Bancorp is more favorable than Albina Community Bancorp.

Profitability

This table compares Cambridge Bancorp and Albina Community Bancorp’s net margins, return on equity and return on assets.

	Net Margins	Return on Equity	Return on Assets
Cambridge Bancorp	10.11%	6.69%	0.65%
Albina Community Bancorp	N/A	N/A	N/A

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.