CARTER BANKSHARES INC (CARE) Stock Fundamental Analysis
USA - NASDAQ:CARE - US1461031064 - Common Stock
18.19 USD
+0.45 (+2.54%)
Taking everything into account, CARE scores 4 out of 10 in our fundamental rating. CARE was compared to 391 industry peers in the Banks industry. While CARE seems to be doing ok healthwise, there are quite some concerns on its profitability. CARE has a decent growth rate and is not valued too expensively.
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.
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 0.65% is on the low side compared to the rest of the industry. CARE is outperformed by 65.98% of its industry peers.
The Return On Equity of CARE (7.65%) is comparable to the rest of the industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.65% | ||
| ROE | 7.65% | ||
| 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
CARE has a Profit Margin of 21.70%. This is comparable to the rest of the industry: CARE outperforms 42.20% of its industry peers.
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) | 21.7% | ||
| 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.
Compared to 1 year ago, CARE has more shares outstanding
The number of shares outstanding for CARE has been reduced compared to 5 years ago.
CARE has a worse debt/assets ratio than last year.
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
WACC19.03%
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.
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.
Looking at the last year, CARE shows a decrease in Revenue. The Revenue has decreased by -3.39% in the last year.
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)-3.39%
Revenue growth 3Y-1.03%
Revenue growth 5Y1.01%
Sales Q2Q%14.7%
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 38.26% on average per year.
The Revenue is expected to grow by 13.33% on average over the next years. This is quite good.
EPS Next Y89.25%
EPS Next 2Y38.26%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year12.26%
Revenue Next 2Y13.33%
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.
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
Based on the Price/Earnings ratio of 12.81, the valuation of CARE can be described as correct.
The rest of the industry has a similar Price/Earnings ratio as CARE.
Compared to an average S&P500 Price/Earnings ratio of 26.83, CARE is valued rather cheaply.
A Price/Forward Earnings ratio of 8.98 indicates a reasonable valuation of CARE.
Compared to the rest of the industry, the Price/Forward Earnings ratio of CARE indicates a somewhat cheap valuation: CARE is cheaper than 69.31% of the companies listed in the same industry.
CARE is valuated cheaply when we compare the Price/Forward Earnings ratio to 22.82, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 12.81 | ||
| Fwd PE | 8.98 |
4.2 Price Multiples
CARE's Price/Free Cash Flow ratio is in line with the industry average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 14.08 | ||
| 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 38.26% in the coming years.
PEG (NY)0.14
PEG (5Y)16.59
EPS Next 2Y38.26%
EPS Next 3YN/A
5. Dividend
5.1 Amount
No dividends for CARE!.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
NASDAQ:CARE (10/24/2025, 1:47:18 PM)
18.19
+0.45 (+2.54%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners51.13%
Inst Owner Change0.01%
Ins Owners2.05%
Ins Owner Change-1.3%
Market Cap412.37M
Revenue(TTM)135.82M
Net Income(TTM)31.04M
Analysts84.44
Price Target23.72 (30.4%)
Short Float %3.47%
Short Ratio10.13
Dividend
| Industry Rank | Sector 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)29.63%
Min EPS beat(2)24.32%
Max EPS beat(2)34.95%
EPS beat(4)4
Avg EPS beat(4)27.17%
Min EPS beat(4)5.36%
Max EPS beat(4)44.06%
EPS beat(8)5
Avg EPS beat(8)9.64%
EPS beat(12)8
Avg EPS beat(12)2.56%
EPS beat(16)11
Avg EPS beat(16)3.1%
Revenue beat(2)2
Avg Revenue beat(2)7.45%
Min Revenue beat(2)4.86%
Max Revenue beat(2)10.04%
Revenue beat(4)2
Avg Revenue beat(4)1.41%
Min Revenue beat(4)-4.95%
Max Revenue beat(4)10.04%
Revenue beat(8)3
Avg Revenue beat(8)-1.13%
Revenue beat(12)6
Avg Revenue beat(12)-2.48%
Revenue beat(16)8
Avg Revenue beat(16)-1.43%
PT rev (1m)0%
PT rev (3m)8.98%
EPS NQ rev (1m)0%
EPS NQ rev (3m)7.83%
EPS NY rev (1m)0%
EPS NY rev (3m)8.86%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0.33%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0.19%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 12.81 | ||
| Fwd PE | 8.98 | ||
| P/S | 2.88 | ||
| P/FCF | 14.08 | ||
| P/OCF | 10.93 | ||
| P/B | 1.02 | ||
| P/tB | 1.02 | ||
| EV/EBITDA | N/A |
EPS(TTM)1.42
EY7.81%
EPS(NY)2.03
Fwd EY11.14%
FCF(TTM)1.29
FCFY7.1%
OCF(TTM)1.66
OCFY9.15%
SpS6.31
BVpS17.89
TBVpS17.79
PEG (NY)0.14
PEG (5Y)16.59
Graham Number23.91
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.65% | ||
| ROE | 7.65% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 21.7% | ||
| GM | N/A | ||
| FCFM | 20.47% |
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 | 113.02% | ||
| Cap/Sales | 5.91% | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | 94.33% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score9
WACC19.03%
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 Y89.25%
EPS Next 2Y38.26%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)-3.39%
Revenue growth 3Y-1.03%
Revenue growth 5Y1.01%
Sales Q2Q%14.7%
Revenue Next Year12.26%
Revenue Next 2Y13.33%
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-54.42%
FCF growth 3Y-25.28%
FCF growth 5Y-0.7%
OCF growth 1Y-48.71%
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 5 / 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 89.25% in the next year.