CARTER BANKSHARES INC (CARE) Fundamental Analysis & Valuation

NASDAQ:CARE • US1461031064

Current stock price

19.757 USD
-0.19 (-0.97%)
Last:

This CARE fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

2

1. CARE Profitability Analysis

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.
  • Of the past 5 years CARE 4 years 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 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 20M -20M 40M -40M 60M

1.2 Ratios

  • CARE has a Return On Assets of 0.64%. This is in the lower half of the industry: CARE underperforms 73.23% of its industry peers.
  • The Return On Equity of CARE (7.47%) is worse than 65.88% of its industry peers.
Industry RankSector 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
CARE Yearly ROA, ROE, ROICCARE Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 5 -5 10 -10 15

1.3 Margins

  • CARE has a Profit Margin of 20.84%. This is in the lower half of the industry: CARE underperforms 66.93% of its industry peers.
  • In the last couple of years the Profit Margin of CARE has declined.
  • 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) 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
CARE Yearly Profit, Operating, Gross MarginsCARE Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 20 -20

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ROAROEROICOperating and Profit MarginShow most profitable peers

4

2. CARE Health Analysis

2.1 Basic Checks

  • CARE does not have a ROIC to compare to the WACC, probably because it is not profitable.
  • 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.
CARE Yearly Shares OutstandingCARE Yearly Shares OutstandingYearly Shares Outstanding 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 2016 2017 2018 2019 2020 2021 2022 2023 2024 1B 2B 3B 4B

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 RankSector Rank
Debt/Equity 0
Debt/FCF 0
Altman-Z N/A
ROIC/WACCN/A
WACC18.39%
CARE Yearly LT Debt VS Equity VS FCFCARE Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 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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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

4

3. CARE Growth Analysis

3.1 Past

  • The Earnings Per Share has grown by an impressive 38.68% over the past year.
  • CARE shows quite a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 19.23% yearly.
EPS 1Y (TTM)38.68%
EPS 3Y-9.6%
EPS 5Y19.23%
EPS Q2Q%13.89%
Revenue 1Y (TTM)N/A
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%21.93%

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 25.67% on average per year.
  • Based on estimates for the next years, CARE will show a small growth in Revenue. The Revenue will grow by 5.40% on average per year.
EPS Next Y71.73%
EPS Next 2Y29.05%
EPS Next 3Y25.67%
EPS Next 5YN/A
Revenue Next Year7.42%
Revenue Next 2Y8.91%
Revenue Next 3Y5.4%
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.
CARE Yearly Revenue VS EstimatesCARE Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 50M 100M 150M
CARE Yearly EPS VS EstimatesCARE Yearly EPS VS EstimatesYearly EPS VS Estimates 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 0 1 -1 2

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Find the best growth stocksShow best growing peers

5

4. CARE Valuation Analysis

4.1 Price/Earnings Ratio

  • CARE is valuated correctly with a Price/Earnings ratio of 13.44.
  • 66.14% 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 26.11, which is the current average of the S&P500 Index.
  • CARE is valuated cheaply with a Price/Forward Earnings ratio of 7.83.
  • 87.14% of the companies in the same industry are more expensive than CARE, based on the Price/Forward Earnings ratio.
  • CARE is valuated cheaply when we compare the Price/Forward Earnings ratio to 24.12, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 13.44
Fwd PE 7.83
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

  • CARE's Price/Free Cash Flow ratio is a bit more expensive when compared to the industry. CARE is more expensive than 61.15% of the companies in the same industry.
Industry RankSector Rank
P/FCF 14.02
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.
  • A more expensive valuation may be justified as CARE's earnings are expected to grow with 25.67% in the coming years.
PEG (NY)0.19
PEG (5Y)0.7
EPS Next 2Y29.05%
EPS Next 3Y25.67%

More info and screens

Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

0

5. CARE Dividend Analysis

5.1 Amount

  • CARE does not give a dividend.
Industry RankSector Rank
Dividend Yield 0%

More info and screens

Find the best dividend stocksShow peers with best dividend

CARE Fundamentals: All Metrics, Ratios and Statistics

CARTER BANKSHARES INC

NASDAQ:CARE (3/18/2026, 10:16:19 AM)

19.757

-0.19 (-0.97%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-29
Earnings (Next)04-22
Inst Owners54.25%
Inst Owner Change0.7%
Ins Owners2.29%
Ins Owner Change6.07%
Market Cap436.23M
Revenue(TTM)N/A
Net Income(TTM)30.82M
Analysts82.22
Price Target25.33 (28.21%)
Short Float %4.93%
Short Ratio6.92
Dividend
Industry RankSector 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)7.19%
PT rev (3m)8.76%
EPS NQ rev (1m)0%
EPS NQ rev (3m)1.45%
EPS NY rev (1m)0%
EPS NY rev (3m)-2.45%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0.57%
Valuation
Industry RankSector Rank
PE 13.44
Fwd PE 7.83
P/S 2.95
P/FCF 14.02
P/OCF 11.12
P/B 1.06
P/tB 1.06
EV/EBITDA N/A
EPS(TTM)1.47
EY7.44%
EPS(NY)2.52
Fwd EY12.78%
FCF(TTM)1.41
FCFY7.13%
OCF(TTM)1.78
OCFY9%
SpS6.7
BVpS18.7
TBVpS18.6
PEG (NY)0.19
PEG (5Y)0.7
Graham Number24.87
Profitability
Industry RankSector 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 RankSector 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
WACC18.39%
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)38.68%
EPS 3Y-9.6%
EPS 5Y19.23%
EPS Q2Q%13.89%
EPS Next Y71.73%
EPS Next 2Y29.05%
EPS Next 3Y25.67%
EPS Next 5YN/A
Revenue 1Y (TTM)N/A
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%21.93%
Revenue Next Year7.42%
Revenue Next 2Y8.91%
Revenue Next 3Y5.4%
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 Fundamental Analysis FAQ

What is the fundamental rating for CARE stock?

ChartMill assigns a fundamental rating of 3 / 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 71.73% in the next year.