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CARTER BANKSHARES INC (CARE) Stock Fundamental Analysis

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

17.9  -0.1 (-0.56%)

Fundamental Rating

4

Overall CARE gets a fundamental rating of 4 out of 10. We evaluated CARE against 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.
Of the past 5 years CARE 4 years were profitable.
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.
With a Return On Equity value of 6.82%, CARE is not doing good in the industry: 64.14% of the companies in the same industry are doing better.
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

Looking at the Profit Margin, with a value of 19.64%, CARE is doing worse than 64.14% of the companies in the same industry.
CARE's Profit Margin has declined in the last couple of years.
CARE does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
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.
The debt/assets ratio for CARE is higher compared to a year ago.
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
WACC19.05%
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

CARE shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 110.53%, 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 8.46%.
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.
The Revenue is expected to grow by 13.19% on average over the next years. This is quite good.
EPS Next Y73.85%
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

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.
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

With a Price/Earnings ratio of 14.92, CARE is valued correctly.
64.90% of the companies in the same industry are cheaper than CARE, based on the Price/Earnings ratio.
CARE is valuated rather cheaply when we compare the Price/Earnings ratio to 27.53, which is the current average of the S&P500 Index.
With a Price/Forward Earnings ratio of 10.64, the valuation of CARE can be described as very reasonable.
CARE's Price/Forward Earnings is on the same level as the industry average.
The average S&P500 Price/Forward Earnings ratio is at 36.71. CARE is valued rather cheaply when compared to this.
Industry RankSector Rank
PE 14.92
Fwd PE 10.64
CARE Price Earnings VS Forward Price EarningsCARE Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30

4.2 Price Multiples

76.77% of the companies in the same industry are cheaper than CARE, based on the Price/Free Cash Flow ratio.
Industry RankSector Rank
P/FCF 23.92
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

The 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)0.2
PEG (5Y)19.31
EPS Next 2Y26.01%
EPS Next 3YN/A

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0

5. Dividend

5.1 Amount

No dividends for CARE!.
Industry RankSector Rank
Dividend Yield N/A

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CARTER BANKSHARES INC

NASDAQ:CARE (7/23/2025, 12:07:07 PM)

17.9

-0.1 (-0.56%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)04-24 2025-04-24/bmo
Earnings (Next)07-24 2025-07-24/bmo
Inst Owners48.33%
Inst Owner Change1.21%
Ins Owners2.12%
Ins Owner Change7.8%
Market Cap414.56M
Analysts84.44
Price Target21.76 (21.56%)
Short Float %3.16%
Short Ratio8.02
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)-5.88%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-17.8%
EPS NY rev (1m)0%
EPS NY rev (3m)-8.75%
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 14.92
Fwd PE 10.64
P/S 2.97
P/FCF 23.92
P/OCF 16.14
P/B 1.03
P/tB 1.03
EV/EBITDA N/A
EPS(TTM)1.2
EY6.7%
EPS(NY)1.68
Fwd EY9.4%
FCF(TTM)0.75
FCFY4.18%
OCF(TTM)1.11
OCFY6.19%
SpS6.02
BVpS17.35
TBVpS17.35
PEG (NY)0.2
PEG (5Y)19.31
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
WACC19.05%
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 Y73.85%
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%