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 $648M).
On earnings, Carter Bankshares is cheaper: it trades at 4.9× trailing earnings, against 18.8× for Bank First.
Carter Bankshares grew revenue faster over the last twelve months (76.9% versus 41.4% for Bank First).
Carter Bankshares keeps more of each dollar of sales as profit, with a net margin of 50.0% compared with 36.3% at Bank First.
Both pay dividends: Bank First yields 1.4% and Carter Bankshares 1.0%.
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 | $648M |
| Share price | $150.46 | $29.22 |
| Change, 1 year | 20.9% | 68.3% |
| Change, 5 years | 111% | 89.1% |
| Beta (5Y) | 0.51 | 0.60 |
| 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 | 18.8× | 4.9× (better) |
| P/S | 7.0× | 2.5× (better) |
| P/B | 2.0× | 1.2× (better) |
| P/FCF | 29.7× | 13.4× (better) |
| PEG | 2.09 | – |
| FCF yield | 3.4% | 7.5% (better) |
| Fair value | $110.45 | $50.92 |
| Margin of safety | −36.2% | 42.6% (better) |
| Growth | ||
| Revenue growth (TTM) | 41.4% | 76.9% (better) |
| Revenue growth, 5Y average | 10.5% (better) | 2.5% |
| Net income growth (TTM) | 23.0% | 320% (better) |
| EPS growth (TTM) | 12.5% | 335% (better) |
| EPS growth, 5Y average | 7.4% | – |
| Profitability | ||
| Net margin | 36.3% | 50.0% (better) |
| FCF margin | 23.5% (better) | 18.5% |
| Return on equity | 11.9% | 27.9% (better) |
| Financial health | ||
| Altman Z-score | 0.35 (better) | 0.29 |
| Piotroski F-score | 6 | 7 (better) |
| Dividends and buybacks | ||
| Dividend yield | 1.4% (better) | 1.0% |
| Years of dividend growth | 3 | – |
| Dividend growth, 5Y average | 45.6% | – |
| Buyback yield | 1.4% | – |
| Shareholder yield | 2.8% (better) | 1.0% |
| Ownership | ||
| Held by institutions | 37.7% | 65.5% |
| Held by insiders | 4.6% | 4.4% |
| Insider net buying, 12 months | −$2.3M | −$253K (better) |
| Short interest, % of float | 5.9% | 11.4% |
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.