CARE:NSD-Carter Bankshares Inc (USD)

COMMON STOCK | Banks-Regional | NSD

Last Closing Price

USD 14.70

Change

-0.01 (-0.07)%

Market Cap

USD 0.39B

Volume

0.03M

Avg Analyst Target

N/A

Avg User Target

USD
Average Analyst Rating

N/A

Fundamental Analysis

Verdict

About

Carter Bankshares, Inc. operates as the bank holding company for Carter Bank & Trust that provides various banking products and services. It accepts various deposit products, including checking, savings, retirement, and money market accounts, as well as longer-term certificates of deposits. The company also offers commercial loans comprising secured and unsecured loans; consumer loans, such as secured and unsecured loans for financing automobiles, home improvements, education, overdraft protection, and personal investments, as well as residential mortgages; real estate construction and acquisition loans; home equity lines of credit; and credit cards, as well as originates and holds fixed and variable rate mortgage loans. In addition, it provides other banking services that include safe deposit boxes, direct deposit of payroll and social security checks, online banking, bill pay, online account opening, mobile deposit, mobile banking, debit cards, e-statements, and ATM services; title insurance and other financial institution-related products and services; and treasury and corporate cash management services. The company operates through 92 branches in Virginia and North Carolina. The company was founded in 1974 and is headquartered in Martinsville, Virginia.

Technical Indicators

Unadjusted Closing Price

Adjusted Closing Price

Share Volume

Relative Performance (Total Returns)

Compare
Relative Returns (From:    To: 2021-10-19 )

Largest Industry Peers for Banks-Regional

Symbol Name Price(Change) Market Cap Price / Earning Ratio EV/EBITDA
SIVB SVB Financial Group

+3.84 (+0.55%)

USD40.83B 19.88 N/A
FITB Fifth Third Bancorp

-0.12 (-0.27%)

USD30.36B 12.85 N/A
HBANN Huntington Bancshares Incorpor..

N/A

USD27.35B 27.10 N/A
HBAN Huntington Bancshares Incorpor..

+0.15 (+0.93%)

USD23.91B 17.48 N/A
FITBI Fifth Third Bancorp

-0.02 (-0.07%)

USD19.64B 8.19 N/A
SBNY Signature Bank

-11.70 (-3.79%)

USD18.70B 24.29 N/A
HBANO Huntington Bancshares Incorpor..

N/A

USD12.99B 21.91 N/A
ZION Zions Bancorporation National ..

+1.02 (+1.64%)

USD10.09B 9.34 N/A
CBSH Commerce Bancshares Inc

-0.22 (-0.31%)

USD8.36B 15.35 N/A
FCNCA First Citizens BancShares Inc

-21.36 (-2.49%)

USD8.30B 14.95 N/A

ETFs Containing CARE

Symbol Name Weight Mer Price(Change) Market Cap

N/A

Market Performance

  Market Performance vs.
Industry/Classification (Banks-Regional)
Market Performance vs. Exchange
  Value Sector Median Percentile Rank Grade Market Median Percentile Rank Grade
YTD  
Capital Gain 37.13% 65% D 79% C+
Dividend Return N/A N/A N/A N/A N/A
Total Return 37.13% 62% D- 78% C+
Trailing 12 Months  
Capital Gain 107.33% 91% A- 87% B+
Dividend Return N/A N/A N/A N/A N/A
Total Return 107.33% 90% A- 87% B+
Trailing 5 Years  
Capital Gain 15.57% 27% F 39% F
Dividend Return N/A N/A N/A N/A N/A
Total Return 15.57% 14% F 33% F
Average Annual (5 Year Horizon)  
Capital Gain 4.33% 51% F 39% F
Dividend Return N/A N/A N/A N/A N/A
Total Return 4.33% 31% F 33% F
Risk Return Profile  
Volatility (Standard Deviation) 43.65% 14% F 42% F
Risk Adjusted Return 9.93% 21% F 25% F
Market Capitalization 0.39B 47% F 47% F
Letter Grade Percentage Letter Grade Percentage Letter Grade Percentage
A+ 97%-100% A 93%-96% A- 90%-92%
B+ 87%-89% B 83%-86% B- 80%-82%
C+ 77%-79% C 73%-76% C- 70%-72%
D+ 67%-69% D 63%-66% D- 60%-62%
F 0%-59%

Key Financial Ratios

  Ratio vs. Industry/Classification
(Banks-Regional)
Ratio vs. Market
  Value Sector Median Percentile Rank Grade Market Median Percentile Rank Grade
Market Value  
Price / Earning Ratio 8.94 83% B 75% C
Price/Book Ratio 0.95 85% B 90% A-
Price / Cash Flow Ratio 50.54 7% F 9% F
EV/EBITDA N/A N/A N/A N/A N/A
Management Effectiveness  
Return on Equity -8.99% 1% F 45% F
Return on Invested Capital -9.57% 2% F 35% F
Return on Assets -0.96% 1% F 42% F
Debt to Equity Ratio 7.95% 84% B 74% C
Technical Ratios  
Short Ratio 2.40 62% D- 58% F
Short Percent 0.82% 56% F 79% C+
Beta 1.24 19% F 42% F
Letter Grade Percentage Letter Grade Percentage Letter Grade Percentage
A+ 97%-100% A 93%-96% A- 90%-92%
B+ 97%-89% B 83%-86% B- 80%-82%
C+ 77%-79% C 73%-76% C- 70%-72%
D+ 67%-69% D 63%-66% D- 60%-62%
F 0%-59%

Annual Financials (USD)

Quarterly Financials (USD)

Analyst Ratings

Target Price Action Rating Action Analyst Rating Price Date

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User / Independent Analyst Ratings

User Name Target Rating Target Horizon (Months) Target Price User Analysis Date Comment

Fundamental Analysis Breakdown

This is a composite scorecard based on the application of evaluation criteria deemed most important by analysts. This is not a buy or sell recommendation.

What to like:
Underpriced compared to earnings

The stock is trading low compared to its peers on a price to earning basis and is in the top quartile. It may be underpriced but do check its financial performance to make sure there is no specific reason.

Underpriced compared to book value

The stock is trading low compared to its peers on a price to book value basis and is in the top quartile. It may be underpriced but do check its financial performance to make sure there is no specific reason.

Low debt

The company is less leveraged than its peers ,, and is among the top quartile, which makes it more flexible. However, do check the news and look at its sector. Sometimes this is low because the company is not growing and has no growth potential.

Positive cash flow

The company had positive total cash flow in the most recent four quarters.

What to not like:
Low market capitalization

This is among the smaller entities in its sectors with below median market capitalization. That may make it less stable in the long run unless it has a unique technology or market which can help it grow or get acquired in future.

Poor risk adjusted returns

This company is delivering below median risk adjusted returns in its peers. Even if it is outperforming on returns , the returns are unpredictable. Proceed with caution.

High volatility

The total returns for this company are volatile and above median for its sector over the past 5 years. Make sure you have the risk tolerance for investing in such stock.

Below median dividend returns

The company’s average income yield over the past 5 years has been low compared to its peers. However, it is not a problem if you are not looking for income.

Overpriced on cashflow basis

The stock is trading high compared to its peers on a price to cash flow basis. It is priced above the median for its sectors. Proceed with caution if you are considering to buy.

Low Earnings Growth

This stock has shown below median earnings growth in the previous 5 years compared to its sector

Low Revenue Growth

This stock has shown below median revenue growth in the previous 5 years compared to its sector

Low Dividend Growth

This stock has shown below median dividend growth in the previous 5 years compared to its sector.