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CARTER BANKSHARES INC (CARE) Stock Fundamental Analysis

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

16.24  -0.45 (-2.7%)

After market: 16.24 0 (0%)

Fundamental Rating

4

Taking everything into account, CARE scores 4 out of 10 in our fundamental rating. CARE was compared to 396 industry peers in the Banks industry. The financial health of CARE is average, but there are quite some concerns on its profitability. CARE is growing strongly while it is still valued neutral. This is a good combination!


Dividend Valuation Growth Profitability Health

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2

1. Profitability

1.1 Basic Checks

CARE had positive earnings in the past year.
In the past year CARE had a positive cash flow from operations.
CARE had positive earnings in 4 of the past 5 years.
Each year in the past 5 years CARE 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 2024 0 20M -20M 40M -40M 60M

1.2 Ratios

CARE has a worse Return On Assets (0.58%) than 70.96% of its industry peers.
CARE's Return On Equity of 6.82% is on the low side compared to the rest of the industry. CARE is outperformed by 64.14% of its industry peers.
Industry RankSector Rank
ROA 0.58%
ROE 6.82%
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
CARE Yearly ROA, ROE, ROICCARE Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 5 -5 10 -10 15

1.3 Margins

CARE has a worse Profit Margin (19.64%) than 64.14% 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 RankSector Rank
OM N/A
PM (TTM) 19.64%
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
CARE Yearly Profit, Operating, Gross MarginsCARE Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 20 -20

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4

2. Health

2.1 Basic Checks

CARE does not have a ROIC to compare to the WACC, probably because it is not profitable.
CARE has more shares outstanding than it did 1 year ago.
CARE has less shares outstanding than it did 5 years ago.
CARE has a worse debt/assets ratio than last year.
CARE Yearly Shares OutstandingCARE Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 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 2024 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
WACC20.19%
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 2024 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 2024 5M 10M 15M 20M

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7

3. Growth

3.1 Past

The Earnings Per Share has grown by an impressive 110.53% over the past year.
Measured over the past 5 years, CARE shows a small growth in Earnings Per Share. The EPS has been growing by 0.77% on average per year.
The Revenue has grown by 8.46% in the past year. This is quite good.
CARE shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 1.01% yearly.
EPS 1Y (TTM)110.53%
EPS 3Y-4.05%
EPS 5Y0.77%
EPS Q2Q%56%
Revenue 1Y (TTM)8.46%
Revenue growth 3Y-1.03%
Revenue growth 5Y1.01%
Sales Q2Q%16.98%

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 26.01% on average per year.
CARE is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 13.19% yearly.
EPS Next Y73.21%
EPS Next 2Y26.01%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year12.04%
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.
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.
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 2019 2020 2021 2022 2023 2024 2025 2026 0 1 -1 2

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4

4. Valuation

4.1 Price/Earnings Ratio

The Price/Earnings ratio is 13.53, which indicates a correct valuation of CARE.
CARE's Price/Earnings ratio is a bit more expensive when compared to the industry. CARE is more expensive than 62.63% of the companies in the same industry.
CARE's Price/Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 26.31.
CARE is valuated reasonably with a Price/Forward Earnings ratio of 9.65.
The rest of the industry has a similar Price/Forward Earnings ratio as CARE.
Compared to an average S&P500 Price/Forward Earnings ratio of 22.13, CARE is valued rather cheaply.
Industry RankSector Rank
PE 13.53
Fwd PE 9.65
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

76.01% of the companies in the same industry are cheaper than CARE, based on the Price/Free Cash Flow ratio.
Industry RankSector Rank
P/FCF 21.7
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.
A more expensive valuation may be justified as CARE's earnings are expected to grow with 26.01% in the coming years.
PEG (NY)0.18
PEG (5Y)17.52
EPS Next 2Y26.01%
EPS Next 3YN/A

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0

5. Dividend

5.1 Amount

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

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CARTER BANKSHARES INC

NASDAQ:CARE (6/13/2025, 8:00:02 PM)

After market: 16.24 0 (0%)

16.24

-0.45 (-2.7%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)04-24 2025-04-24/bmo
Earnings (Next)07-23 2025-07-23/bmo
Inst Owners48.33%
Inst Owner Change3.06%
Ins Owners2.12%
Ins Owner Change9.32%
Market Cap376.12M
Analysts84.44
Price Target21.76 (33.99%)
Short Float %2.87%
Short Ratio9.3
Dividend
Industry RankSector Rank
Dividend Yield N/A
Yearly DividendN/A
Dividend Growth(5Y)N/A
DP0%
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)39.5%
Min EPS beat(2)34.95%
Max EPS beat(2)44.06%
EPS beat(4)3
Avg EPS beat(4)20.6%
Min EPS beat(4)-1.96%
Max EPS beat(4)44.06%
EPS beat(8)4
Avg EPS beat(8)-1.12%
EPS beat(12)8
Avg EPS beat(12)1.83%
EPS beat(16)10
Avg EPS beat(16)-0.38%
Revenue beat(2)1
Avg Revenue beat(2)2.55%
Min Revenue beat(2)-4.95%
Max Revenue beat(2)10.04%
Revenue beat(4)1
Avg Revenue beat(4)-1.18%
Min Revenue beat(4)-5.51%
Max Revenue beat(4)10.04%
Revenue beat(8)2
Avg Revenue beat(8)-5.41%
Revenue beat(12)6
Avg Revenue beat(12)-2.51%
Revenue beat(16)8
Avg Revenue beat(16)-1.55%
PT rev (1m)0%
PT rev (3m)-7.25%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-17.8%
EPS NY rev (1m)0%
EPS NY rev (3m)-9.85%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-4.43%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-1.15%
Valuation
Industry RankSector Rank
PE 13.53
Fwd PE 9.65
P/S 2.7
P/FCF 21.7
P/OCF 14.65
P/B 0.94
P/tB 0.94
EV/EBITDA N/A
EPS(TTM)1.2
EY7.39%
EPS(NY)1.68
Fwd EY10.36%
FCF(TTM)0.75
FCFY4.61%
OCF(TTM)1.11
OCFY6.83%
SpS6.02
BVpS17.35
TBVpS17.35
PEG (NY)0.18
PEG (5Y)17.52
Profitability
Industry RankSector Rank
ROA 0.58%
ROE 6.82%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 19.64%
GM N/A
FCFM 12.43%
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
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 3Y-7.37%
PM growth 5Y-2.72%
GM growth 3YN/A
GM growth 5YN/A
F-Score7
Asset Turnover0.03
Health
Industry RankSector Rank
Debt/Equity 0
Debt/FCF 0
Debt/EBITDA N/A
Cap/Depr 114.49%
Cap/Sales 5.99%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 63.28%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score7
WACC20.19%
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)110.53%
EPS 3Y-4.05%
EPS 5Y0.77%
EPS Q2Q%56%
EPS Next Y73.21%
EPS Next 2Y26.01%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)8.46%
Revenue growth 3Y-1.03%
Revenue growth 5Y1.01%
Sales Q2Q%16.98%
Revenue Next Year12.04%
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-76.5%
FCF growth 3Y-25.28%
FCF growth 5Y-0.7%
OCF growth 1Y-68.2%
OCF growth 3Y-21.9%
OCF growth 5Y-0.72%