Logo image of CARE

CARTER BANKSHARES INC (CARE) Stock Fundamental Analysis

NASDAQ:CARE - Nasdaq - US1461031064 - Common Stock - Currency: USD

17.2  -0.26 (-1.49%)

After market: 17.2 0 (0%)

Fundamental Rating

3

We assign a fundamental rating of 3 out of 10 to CARE. CARE was compared to 405 industry peers in the Banks industry. CARE scores quite bad on profitability, while its financial health is fine. Not spectacular, but in line with the averages. CARE has a decent growth rate and is not valued too expensively.


Dividend Valuation Growth Profitability Health

Quickly go to:

2

1. Profitability

1.1 Basic Checks

In the past year CARE was profitable.
CARE had a positive operating cash flow in the past year.
In multiple years CARE reported negative net income over the last 5 years.
Of the past 5 years CARE 4 years had a positive operating cash flow.
CARE Yearly Net Income VS EBIT VS OCF VS FCFCARE Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 0 20M -20M 40M -40M 60M

1.2 Ratios

CARE's Return On Assets of 0.31% is on the low side compared to the rest of the industry. CARE is outperformed by 83.67% of its industry peers.
CARE's Return On Equity of 3.67% is on the low side compared to the rest of the industry. CARE is outperformed by 82.91% of its industry peers.
Industry RankSector Rank
ROA 0.31%
ROE 3.67%
ROIC N/A
ROA(3y)0.82%
ROA(5y)0.4%
ROE(3y)9.83%
ROE(5y)4.93%
ROIC(3y)N/A
ROIC(5y)N/A
CARE Yearly ROA, ROE, ROICCARE Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 0 5 -5 10 -10 15

1.3 Margins

With a Profit Margin value of 10.76%, CARE is not doing good in the industry: 82.16% of the companies in the same industry are doing better.
CARE's Profit Margin has improved in the last couple of years.
The Operating Margin and Gross Margin are not available for CARE so they could not be analyzed.
Industry RankSector Rank
OM N/A
PM (TTM) 10.76%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5Y12.65%
GM growth 3YN/A
GM growth 5YN/A
CARE Yearly Profit, Operating, Gross MarginsCARE Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 0 20 -20

More info and screens

4

2. Health

2.1 Basic Checks

CARE does not have a ROIC to compare to the WACC, probably because it is not profitable.
There is no outstanding debt for CARE. This means it has a Debt/Equity and Debt/FCF ratio of 0 and it is amongst the best of the sector and industry.
CARE Yearly Shares OutstandingCARE Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 5M 10M 15M 20M 25M
CARE Yearly Total Debt VS Total AssetsCARE Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 2021 2022 2023 1B 2B 3B 4B

2.2 Solvency

There is no outstanding debt for CARE. This means it has a Debt/Equity and Debt/FCF ratio of 0 and it is amongst the best of the sector and industry.
Industry RankSector Rank
Debt/Equity 0
Debt/FCF 0
Altman-Z N/A
ROIC/WACCN/A
WACC13.44%
CARE Yearly LT Debt VS Equity VS FCFCARE Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 0 100M 200M 300M 400M

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
CARE Yearly Current Assets VS Current LiabilitesCARE Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2020 2021 2022 2023 5M 10M 15M 20M

More info and screens

4

3. Growth

3.1 Past

The Earnings Per Share has been growing slightly by 7.07% over the past year.
The Earnings Per Share has been growing slightly by 0.77% on average over the past years.
EPS 1Y (TTM)7.07%
EPS 3Y-4.05%
EPS 5Y0.77%
EPS Q2Q%550%
Revenue 1Y (TTM)N/A
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%12.56%

3.2 Future

The Earnings Per Share is expected to grow by 26.01% on average over the next years. This is a very strong growth
Based on estimates for the next years, CARE will show a quite strong growth in Revenue. The Revenue will grow by 13.19% on average per year.
EPS Next Y92.13%
EPS Next 2Y26.01%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year13.35%
Revenue Next 2Y13.19%
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

The EPS growth rate is accelerating: in the next years the growth will be better than in the last years.
CARE Yearly Revenue VS EstimatesCARE Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 50M 100M 150M
CARE Yearly EPS VS EstimatesCARE Yearly EPS VS EstimatesYearly EPS VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 0 1 -1 2

More info and screens

5

4. Valuation

4.1 Price/Earnings Ratio

A Price/Earnings ratio of 16.23 indicates a correct valuation of CARE.
Compared to the rest of the industry, the Price/Earnings ratio of CARE indicates a slightly more expensive valuation: CARE is more expensive than 70.85% of the companies listed in the same industry.
Compared to an average S&P500 Price/Earnings ratio of 29.63, CARE is valued a bit cheaper.
The Price/Forward Earnings ratio is 8.45, which indicates a very decent valuation of CARE.
CARE's Price/Forward Earnings ratio is rather cheap when compared to the industry. CARE is cheaper than 88.69% of the companies in the same industry.
When comparing the Price/Forward Earnings ratio of CARE to the average of the S&P500 Index (22.68), we can say CARE is valued rather cheaply.
Industry RankSector Rank
PE 16.23
Fwd PE 8.45
CARE Price Earnings VS Forward Price EarningsCARE Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

Compared to the rest of the industry, the Price/Free Cash Flow ratio of CARE is on the same level as its industry peers.
Industry RankSector Rank
P/FCF 14.95
EV/EBITDA N/A
CARE Per share dataCARE EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 5 10 15

4.3 Compensation for Growth

CARE's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
CARE's earnings are expected to grow with 26.01% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.18
PEG (5Y)21.01
EPS Next 2Y26.01%
EPS Next 3YN/A

More info and screens

0

5. Dividend

5.1 Amount

CARE does not give a dividend.
Industry RankSector Rank
Dividend Yield N/A

More info and screens

CARTER BANKSHARES INC

NASDAQ:CARE (2/21/2025, 8:05:13 PM)

After market: 17.2 0 (0%)

17.2

-0.26 (-1.49%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-23 2025-01-23/bmo
Earnings (Next)04-23 2025-04-23/bmo
Inst Owners49.38%
Inst Owner Change4.7%
Ins Owners1.94%
Ins Owner Change0%
Market Cap396.80M
Analysts84.44
Price Target23.46 (36.4%)
Short Float %2.81%
Short Ratio8.87
Dividend
Industry RankSector Rank
Dividend Yield N/A
Yearly Dividend0
Dividend Growth(5Y)N/A
DP0%
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)1.7%
Min EPS beat(2)-1.96%
Max EPS beat(2)5.36%
EPS beat(4)2
Avg EPS beat(4)-1.16%
Min EPS beat(4)-145.25%
Max EPS beat(4)137.2%
EPS beat(8)4
Avg EPS beat(8)-9.68%
EPS beat(12)7
Avg EPS beat(12)-6.65%
EPS beat(16)10
Avg EPS beat(16)1.9%
Revenue beat(2)0
Avg Revenue beat(2)-4.91%
Min Revenue beat(2)-5.51%
Max Revenue beat(2)-4.32%
Revenue beat(4)1
Avg Revenue beat(4)-4.27%
Min Revenue beat(4)-7.39%
Max Revenue beat(4)0.14%
Revenue beat(8)3
Avg Revenue beat(8)-5.6%
Revenue beat(12)5
Avg Revenue beat(12)-3.39%
Revenue beat(16)8
Avg Revenue beat(16)-1.3%
PT rev (1m)0%
PT rev (3m)7.81%
EPS NQ rev (1m)0%
EPS NQ rev (3m)0%
EPS NY rev (1m)0%
EPS NY rev (3m)0%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0%
Valuation
Industry RankSector Rank
PE 16.23
Fwd PE 8.45
P/S 3.01
P/FCF 14.95
P/OCF 11.9
P/B 1.03
P/tB 1.03
EV/EBITDA N/A
EPS(TTM)1.06
EY6.16%
EPS(NY)2.04
Fwd EY11.84%
FCF(TTM)1.15
FCFY6.69%
OCF(TTM)1.45
OCFY8.41%
SpS5.72
BVpS16.77
TBVpS16.77
PEG (NY)0.18
PEG (5Y)21.01
Profitability
Industry RankSector Rank
ROA 0.31%
ROE 3.67%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 10.76%
GM N/A
FCFM 20.11%
ROA(3y)0.82%
ROA(5y)0.4%
ROE(3y)9.83%
ROE(5y)4.93%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexcg growth 3YN/A
ROICexcg growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5Y12.65%
GM growth 3YN/A
GM growth 5YN/A
F-Score5
Asset Turnover0.03
Health
Industry RankSector Rank
Debt/Equity 0
Debt/FCF 0
Debt/EBITDA N/A
Cap/Depr 100.59%
Cap/Sales 5.16%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 186.91%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score5
WACC13.44%
ROIC/WACCN/A
Cap/Depr(3y)130.04%
Cap/Depr(5y)142.64%
Cap/Sales(3y)5.56%
Cap/Sales(5y)6.18%
Profit Quality(3y)169.61%
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)7.07%
EPS 3Y-4.05%
EPS 5Y0.77%
EPS Q2Q%550%
EPS Next Y92.13%
EPS Next 2Y26.01%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)N/A
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%12.56%
Revenue Next Year13.35%
Revenue Next 2Y13.19%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-54.88%
FCF growth 3YN/A
FCF growth 5Y1.2%
OCF growth 1Y-48.85%
OCF growth 3Y82.4%
OCF growth 5Y-1.11%