Bank First vs Carter Bankshares
BFC and CARE side by side, both in commercial banks. Figures are trailing twelve months unless noted, from SEC filings and end-of-day prices.
How BFC and CARE compare
Bank First is the larger company, worth 2.6 times as much as Carter Bankshares ($1.7B against $643M).
On earnings, Carter Bankshares is cheaper: it trades at 5.0× trailing earnings, against 19.4× for Bank First.
Carter Bankshares grew revenue faster over the last twelve months (77.9% versus 31.6% for Bank First).
Carter Bankshares keeps more of each dollar of sales as profit, with a net margin of 50.5% compared with 37.2% at Bank First.
Both pay dividends: Bank First yields 1.4% and Carter Bankshares 0.69%.
Carter Bankshares scores higher on the StockData Score (15 against 13 for Bank First), which adds up 30 checks on valuation, growth, past performance, financial health and dividends.
Key numbers
A dot marks the better figure where higher or lower is clearly better.
| Metric | BFC | CARE |
|---|---|---|
| Size and price | ||
| Market cap | $1.7B | $643M |
| Share price | $149.03 | $29.00 |
| Change, 1 year | 19.9% | 67.0% |
| Change, 5 years | 103% | 80.0% |
| Beta (5Y) | 0.51 | 0.59 |
| Employees | 380 | 687 |
| StockData Score | ||
| Total score | 13 | 15 (better) |
| Valuation score | 0 | 6 (better) |
| Growth score | 3 (better) | 1 |
| Performance score | 4 (better) | 3 |
| Health score | 5 (better) | 4 |
| Dividend score | 1 | 1 |
| Valuation | ||
| P/E | 19.4× | 5.0× (better) |
| P/S | 7.6× | 2.5× (better) |
| P/B | 2.0× | 1.2× (better) |
| P/FCF | 38.8× | 10.9× (better) |
| PEG | 2.15 | – |
| FCF yield | 2.6% | 9.1% (better) |
| Fair value | $107.64 | $50.77 |
| Margin of safety | −38.5% | 42.9% (better) |
| Growth | ||
| Revenue growth (TTM) | 31.6% | 77.9% (better) |
| Revenue growth, 5Y average | 10.5% (better) | 2.5% |
| Net income growth (TTM) | 17.1% | 310% (better) |
| EPS growth (TTM) | 10.8% | 327% (better) |
| EPS growth, 5Y average | 7.4% | – |
| Profitability | ||
| Net margin | 37.2% | 50.5% (better) |
| FCF margin | 19.5% | 23.1% (better) |
| Return on equity | 11.3% | 27.2% (better) |
| Financial health | ||
| Altman Z-score | 0.34 (better) | 0.28 |
| Piotroski F-score | 6 | 7 (better) |
| Dividends and buybacks | ||
| Dividend yield | 1.4% (better) | 0.69% |
| Years of dividend growth | 3 | – |
| Dividend growth, 5Y average | 45.6% | – |
| Buyback yield | 1.4% | – |
| Shareholder yield | 2.8% (better) | 0.69% |
| Ownership | ||
| Held by institutions | 37.7% | 65.5% |
| Held by insiders | 4.6% | 4.4% |
| Insider net buying, 12 months | −$2.4M | −$253K (better) |
| Short interest, % of float | 6.3% | 12.5% |
Go deeper
- BFC stock overview
- BFC income statement
- BFC valuation and score
- CARE stock overview
- CARE income statement
- CARE valuation and score
For information only, not investment advice. Check the source filings before relying on any figure.