19.98 USD
+0.01 (+0.05%)
19.98 USD
0 (0%)
Overall CARE gets a fundamental rating of 4 out of 10. We evaluated CARE against 387 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 is growing strongly while it is still valued neutral. This is a good combination!
1. Profitability
1.1 Basic Checks
In the past year CARE was profitable.
CARE had a positive operating cash flow in the past year.
Of the past 5 years CARE 4 years were profitable.
CARE had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
CARE's Return On Assets of 0.64% is on the low side compared to the rest of the industry. CARE is outperformed by 70.03% of its industry peers.
Looking at the Return On Equity, with a value of 7.47%, CARE is doing worse than 63.05% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.64% | ||
| ROE | 7.47% | ||
| ROIC | N/A |
ROA(3y)0.74%
ROA(5y)0.38%
ROE(3y)9.36%
ROE(5y)5.07%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
With a Profit Margin value of 20.84%, CARE is not doing good in the industry: 63.31% of the companies in the same industry are doing better.
In the last couple of years the Profit Margin of CARE has declined.
The Operating Margin and Gross Margin are not available for CARE so they could not be analyzed.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | 20.84% | ||
| GM | N/A |
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-7.37%
PM growth 5Y-2.72%
GM growth 3YN/A
GM growth 5YN/A
2. Health
2.1 Basic Checks
CARE does not have a ROIC to compare to the WACC, probably because it is not profitable.
The number of shares outstanding for CARE has been increased compared to 1 year ago.
CARE has less shares outstanding than it did 5 years ago.
The debt/assets ratio for CARE is higher compared to a year ago.
2.2 Solvency
CARE has no outstanding debt. Therefor its Debt/Equity and Debt/FCF ratios are 0 and belong to the best of the industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0 | ||
| Debt/FCF | 0 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC18.45%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
The Earnings Per Share has grown by an impressive 129.03% over the past year.
The Earnings Per Share has been growing slightly by 0.77% on average over the past years.
The Revenue has grown by 12.08% in the past year. This is quite good.
The Revenue has been growing slightly by 1.01% on average over the past years.
EPS 1Y (TTM)129.03%
EPS 3Y-4.05%
EPS 5Y0.77%
EPS Q2Q%8.33%
Revenue 1Y (TTM)12.08%
Revenue growth 3Y-1.03%
Revenue growth 5Y1.01%
Sales Q2Q%4.79%
3.2 Future
Based on estimates for the next years, CARE will show a very strong growth in Earnings Per Share. The EPS will grow by 33.69% on average per year.
Based on estimates for the next years, CARE will show a quite strong growth in Revenue. The Revenue will grow by 11.32% on average per year.
EPS Next Y30.87%
EPS Next 2Y59.69%
EPS Next 3Y33.69%
EPS Next 5YN/A
Revenue Next Year12.1%
Revenue Next 2Y13.44%
Revenue Next 3Y11.32%
Revenue Next 5YN/A
3.3 Evolution
When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
CARE is valuated correctly with a Price/Earnings ratio of 14.07.
The rest of the industry has a similar Price/Earnings ratio as CARE.
Compared to an average S&P500 Price/Earnings ratio of 26.54, CARE is valued a bit cheaper.
Based on the Price/Forward Earnings ratio of 7.39, the valuation of CARE can be described as very cheap.
Based on the Price/Forward Earnings ratio, CARE is valued cheaper than 91.99% of the companies in the same industry.
CARE is valuated cheaply when we compare the Price/Forward Earnings ratio to 23.78, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 14.07 | ||
| Fwd PE | 7.39 |
4.2 Price Multiples
The rest of the industry has a similar Price/Free Cash Flow ratio as CARE.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 14.18 | ||
| EV/EBITDA | N/A |
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.
A more expensive valuation may be justified as CARE's earnings are expected to grow with 33.69% in the coming years.
PEG (NY)0.46
PEG (5Y)18.22
EPS Next 2Y59.69%
EPS Next 3Y33.69%
5. Dividend
5.1 Amount
No dividends for CARE!.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0% |
19.98
+0.01 (+0.05%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners53.77%
Inst Owner Change2.43%
Ins Owners2.1%
Ins Owner Change-4.1%
Market Cap441.36M
Revenue(TTM)147.91M
Net Income(TTM)30.82M
Analysts84.44
Price Target23.29 (16.57%)
Short Float %3.73%
Short Ratio8.78
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0% |
Yearly DividendN/A
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)-7.01%
Min EPS beat(2)-38.33%
Max EPS beat(2)24.32%
EPS beat(4)3
Avg EPS beat(4)16.25%
Min EPS beat(4)-38.33%
Max EPS beat(4)44.06%
EPS beat(8)5
Avg EPS beat(8)7.54%
EPS beat(12)7
Avg EPS beat(12)-1.03%
EPS beat(16)10
Avg EPS beat(16)-0.92%
Revenue beat(2)1
Avg Revenue beat(2)-2.73%
Min Revenue beat(2)-10.32%
Max Revenue beat(2)4.86%
Revenue beat(4)2
Avg Revenue beat(4)-0.09%
Min Revenue beat(4)-10.32%
Max Revenue beat(4)10.04%
Revenue beat(8)3
Avg Revenue beat(8)-2.18%
Revenue beat(12)5
Avg Revenue beat(12)-3.76%
Revenue beat(16)7
Avg Revenue beat(16)-2.56%
PT rev (1m)0%
PT rev (3m)-1.79%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-58.27%
EPS NY rev (1m)3.03%
EPS NY rev (3m)-30.85%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-0.24%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-0.14%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 14.07 | ||
| Fwd PE | 7.39 | ||
| P/S | 2.98 | ||
| P/FCF | 14.18 | ||
| P/OCF | 11.25 | ||
| P/B | 1.07 | ||
| P/tB | 1.07 | ||
| EV/EBITDA | N/A |
EPS(TTM)1.42
EY7.11%
EPS(NY)2.7
Fwd EY13.53%
FCF(TTM)1.41
FCFY7.05%
OCF(TTM)1.78
OCFY8.89%
SpS6.7
BVpS18.69
TBVpS18.59
PEG (NY)0.46
PEG (5Y)18.22
Graham Number24.44
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.64% | ||
| ROE | 7.47% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 20.84% | ||
| GM | N/A | ||
| FCFM | 21.04% |
ROA(3y)0.74%
ROA(5y)0.38%
ROE(3y)9.36%
ROE(5y)5.07%
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
ROICexgc growth 3YN/A
ROICexgc growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-7.37%
PM growth 5Y-2.72%
GM growth 3YN/A
GM growth 5YN/A
F-Score9
Asset Turnover0.03
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0 | ||
| Debt/FCF | 0 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | 106.04% | ||
| Cap/Sales | 5.49% | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | 100.99% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score9
WACC18.45%
ROIC/WACCN/A
Cap/Depr(3y)123.1%
Cap/Depr(5y)134.05%
Cap/Sales(3y)5.53%
Cap/Sales(5y)6.07%
Profit Quality(3y)136.09%
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)129.03%
EPS 3Y-4.05%
EPS 5Y0.77%
EPS Q2Q%8.33%
EPS Next Y30.87%
EPS Next 2Y59.69%
EPS Next 3Y33.69%
EPS Next 5YN/A
Revenue 1Y (TTM)12.08%
Revenue growth 3Y-1.03%
Revenue growth 5Y1.01%
Sales Q2Q%4.79%
Revenue Next Year12.1%
Revenue Next 2Y13.44%
Revenue Next 3Y11.32%
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-40.45%
FCF growth 3Y-25.28%
FCF growth 5Y-0.7%
OCF growth 1Y-36.66%
OCF growth 3Y-21.9%
OCF growth 5Y-0.72%
CARTER BANKSHARES INC / CARE FAQ
What is the fundamental rating for CARE stock?
ChartMill assigns a fundamental rating of 4 / 10 to CARE.
What is the valuation status for CARE stock?
ChartMill assigns a valuation rating of 6 / 10 to CARTER BANKSHARES INC (CARE). This can be considered as Fairly Valued.
Can you provide the profitability details for CARTER BANKSHARES INC?
CARTER BANKSHARES INC (CARE) has a profitability rating of 2 / 10.
How financially healthy is CARTER BANKSHARES INC?
The financial health rating of CARTER BANKSHARES INC (CARE) is 4 / 10.
Can you provide the expected EPS growth for CARE stock?
The Earnings per Share (EPS) of CARTER BANKSHARES INC (CARE) is expected to grow by 30.87% in the next year.