19.77 USD
-0.17 (-0.85%)
Taking everything into account, CARE scores 4 out of 10 in our fundamental rating. CARE was compared to 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 not priced too expensively while it is growing strongly. Keep and eye on this one!
1. Profitability
1.1 Basic Checks
In the past year CARE was profitable.
In the past year CARE had a positive cash flow from operations.
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 has a worse Return On Assets (0.64%) than 70.03% of its industry peers.
CARE has a Return On Equity of 7.47%. This is in the lower half of the industry: CARE underperforms 63.05% of its industry peers.
| 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
The Profit Margin of CARE (20.84%) is worse than 64.08% of its industry peers.
CARE's Profit Margin has declined in the last couple of years.
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.
The number of shares outstanding for CARE has been reduced compared to 5 years ago.
Compared to 1 year ago, CARE has a worse debt to assets ratio.
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 Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0 | ||
| Debt/FCF | 0 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC18.38%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
CARE shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 129.03%, which is quite impressive.
The Earnings Per Share has been growing slightly by 0.77% on average over the past years.
CARE shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 12.08%.
Measured over the past years, CARE shows a small growth in Revenue. The Revenue has been growing by 1.01% on average per year.
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
CARE is expected to show a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 33.69% yearly.
CARE is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 11.32% yearly.
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.
When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
4. Valuation
4.1 Price/Earnings Ratio
CARE is valuated correctly with a Price/Earnings ratio of 13.92.
CARE's Price/Earnings ratio is a bit more expensive when compared to the industry. CARE is more expensive than 60.72% of the companies in the same industry.
Compared to an average S&P500 Price/Earnings ratio of 27.17, CARE is valued a bit cheaper.
With a Price/Forward Earnings ratio of 7.31, the valuation of CARE can be described as very cheap.
Based on the Price/Forward Earnings ratio, CARE is valued cheaply inside the industry as 92.51% of the companies are valued more expensively.
CARE's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 23.79.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 13.92 | ||
| Fwd PE | 7.31 |
4.2 Price Multiples
Based on the Price/Free Cash Flow ratio, CARE is valued a bit more expensive than 60.47% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 14.03 | ||
| 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.
CARE's earnings are expected to grow with 33.69% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.45
PEG (5Y)18.03
EPS Next 2Y59.69%
EPS Next 3Y33.69%
5. Dividend
5.1 Amount
CARE does not give a dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0% |
NASDAQ:CARE (1/7/2026, 11:01:52 AM)
19.77
-0.17 (-0.85%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners53.77%
Inst Owner Change0%
Ins Owners2.09%
Ins Owner Change-2.56%
Market Cap436.72M
Revenue(TTM)147.91M
Net Income(TTM)30.82M
Analysts84.44
Price Target23.29 (17.8%)
Short Float %4.21%
Short Ratio9.76
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)0%
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 | 13.92 | ||
| Fwd PE | 7.31 | ||
| P/S | 2.95 | ||
| P/FCF | 14.03 | ||
| P/OCF | 11.13 | ||
| P/B | 1.06 | ||
| P/tB | 1.06 | ||
| EV/EBITDA | N/A |
EPS(TTM)1.42
EY7.18%
EPS(NY)2.7
Fwd EY13.67%
FCF(TTM)1.41
FCFY7.13%
OCF(TTM)1.78
OCFY8.99%
SpS6.7
BVpS18.69
TBVpS18.59
PEG (NY)0.45
PEG (5Y)18.03
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
WACC18.38%
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.
Can you provide the valuation status for CARTER BANKSHARES INC?
ChartMill assigns a valuation rating of 5 / 10 to CARTER BANKSHARES INC (CARE). This can be considered as Fairly Valued.
How profitable is CARTER BANKSHARES INC (CARE) stock?
CARTER BANKSHARES INC (CARE) has a profitability rating of 2 / 10.
What is the financial health of CARTER BANKSHARES INC (CARE) stock?
The financial health rating of CARTER BANKSHARES INC (CARE) is 4 / 10.
What is the expected EPS growth for CARTER BANKSHARES INC (CARE) stock?
The Earnings per Share (EPS) of CARTER BANKSHARES INC (CARE) is expected to grow by 30.87% in the next year.