Carter Bankshares vs City
CARE and CHCO side by side, both in commercial banks. Figures are trailing twelve months unless noted, from SEC filings and end-of-day prices.
How CARE and CHCO compare
City is the larger company, worth 3.1 times as much as Carter Bankshares ($2.0B against $650M).
On earnings, Carter Bankshares is cheaper: it trades at 5.0× trailing earnings, against 15.6× for City.
Carter Bankshares grew revenue faster over the last twelve months (76.9% versus 5.8% for City).
Carter Bankshares keeps more of each dollar of sales as profit, with a net margin of 50.0% compared with 40.5% at City.
Both pay dividends: Carter Bankshares yields 1.0% and City 2.5%.
Carter Bankshares scores higher on the StockData Score (15 against 12 for City), 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 | CARE | CHCO |
|---|---|---|
| Size and price | ||
| Market cap | $650M | $2.0B |
| Share price | $29.32 | $142.45 |
| Change, 1 year | 66.8% | 17.9% |
| Change, 5 years | 89.8% | 76.3% |
| Beta (5Y) | 0.60 | 0.45 |
| Employees | 687 | 934 |
| StockData Score | ||
| Total score | 15 (better) | 12 |
| Valuation score | 6 (better) | 0 |
| Growth score | 1 (better) | 0 |
| Performance score | 3 | 5 (better) |
| Health score | 4 (better) | 3 |
| Dividend score | 1 | 4 (better) |
| Valuation | ||
| P/E | 5.0× (better) | 15.6× |
| P/S | 2.5× (better) | 6.2× |
| P/B | 1.2× (better) | 2.6× |
| P/FCF | 13.4× (better) | 14.5× |
| PEG | – | 1.64 |
| FCF yield | 7.5% (better) | 6.9% |
| Fair value | $50.89 | $110.34 |
| Margin of safety | 42.4% (better) | −29.1% |
| Growth | ||
| Revenue growth (TTM) | 76.9% (better) | 5.8% |
| Revenue growth, 5Y average | 2.5% | 3.9% (better) |
| Net income growth (TTM) | 320% (better) | 2.9% |
| EPS growth (TTM) | 335% (better) | 5.3% |
| EPS growth, 5Y average | – | 10.0% |
| Profitability | ||
| Net margin | 50.0% (better) | 40.5% |
| FCF margin | 18.5% | 42.5% (better) |
| Return on equity | 27.9% (better) | 16.6% |
| Financial health | ||
| Altman Z-score | 0.29 | 0.45 (better) |
| Piotroski F-score | 7 (better) | 5 |
| Dividends and buybacks | ||
| Dividend yield | 1.0% | 2.5% (better) |
| Payout ratio | – | 38.0% |
| Years of dividend growth | – | 15 |
| Dividend growth, 5Y average | – | 7.7% |
| Buyback yield | – | 2.7% |
| Shareholder yield | 1.0% | 5.3% (better) |
| Ownership | ||
| Held by institutions | 65.5% | 73.6% |
| Held by insiders | 4.4% | 2.0% |
| Insider net buying, 12 months | −$253K (better) | −$2.3M |
| Short interest, % of float | 11.4% | 7.7% |
Go deeper
- CARE stock overview
- CARE income statement
- CARE valuation and score
- CHCO stock overview
- CHCO income statement
- CHCO valuation and score
For information only, not investment advice. Check the source filings before relying on any figure.