ScoreComparison
Company
Score
Quality
Valuation
Financial
Technical
Why is Carter Bankshares, Inc. ?
1
High Profitability with a Net Interest Margin of 3.40%
2
Strong Long Term Fundamental Strength with a 13.68% CAGR growth in Net Profits
3
With a growth in Interest of NAN%, the company declared Outstanding results in Jun 26
- The company has declared positive results for the last 3 consecutive quarters
- OPERATING CASH FLOW(Y) Highest at USD 327.81 MM
- NII(Q) Highest at USD 39.95 MM
- NET PROFIT(HY) Higher at USD 113.6 MM
4
With ROA of 0.37%, it has a very attractive valuation with a 1.21 Price to Book Value
- The stock is trading at a fair value compared to its peers' average historical valuations
- Over the past year, while the stock has generated a return of 92.64%, its profits have risen by 27.7% ; the PEG ratio of the company is 0.5
5
High Institutional Holdings at 66.45%
- These investors have better capability and resources to analyse fundamentals of companies than most retail investors.
- Their stake has increased by 10.16% over the previous quarter.
Real-Time Research ReportHow much should you buy?
- Overall Portfolio exposure to Carter Bankshares, Inc. should be less than 10%
- Overall Portfolio exposure to Regional Banks should be less than 30%
(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Regional Banks)
When to exit? - We will constantly monitor the company and suggest at the appropriate time to exit from the stock
Is Carter Bankshares, Inc. for you?
Medium Risk, High Return
Absolute
Risk Adjusted
Volatility
Carter Bankshares, Inc.
92.64%
6.32
27.21%
S&P 500
16.26%
1.25
12.97%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
10.50%
EBIT Growth (5y)
8.30%
EBIT to Interest (avg)
0
Debt to EBITDA (avg)
0
Net Debt to Equity (avg)
0
Sales to Capital Employed (avg)
0
Tax Ratio
0
Dividend Payout Ratio
0
Pledged Shares
0
Institutional Holding
56.29%
ROCE (avg)
0
ROE (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
16
Industry P/E
Price to Book Value
1.21
EV to EBIT
16.93
EV to EBITDA
13.60
EV to Capital Employed
1.19
EV to Sales
2.34
PEG Ratio
0.49
Dividend Yield
NA
ROCE (Latest)
7.04%
ROE (Latest)
7.39%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Bullish
Bullish
RSI
Bearish
No Signal
Bollinger Bands
Mildly Bullish
Bullish
Moving Averages
Bullish (Daily)
KST
Bullish
Bullish
Dow Theory
No Trend
Bullish
OBV
Bullish
Bullish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend23What is working for the Company
OPERATING CASH FLOW(Y)
Highest at USD 327.81 MM
NII(Q)
Highest at USD 39.95 MM
NET PROFIT(HY)
Higher at USD 113.6 MM
ROCE(HY)
Highest at 2.66%
DIVIDEND PAYOUT RATIO(Y)
Highest at 7.55%
DIVIDEND PER SHARE(HY)
Highest at USD 0
NET SALES(Q)
Highest at USD 61.49 MM
-3What is not working for the Company
ROCE(HY)
Lowest at 2.66%
CASH AND EQV(HY)
Lowest at USD 78.06 MM
Here's what is working for Carter Bankshares, Inc.
Net Profit
At USD 113.6 MM has Grown at 557.67%
Year on Year (YoY)MOJO Watch
Net Profit trend is very positive
Net Profit (USD MM)
NII
Highest at USD 39.95 MM and Grown
In each period in the last five periodsMOJO Watch
The bank's income from core business is increasing
Net NPA
Operating Cash Flow
Highest at USD 327.81 MM and Grown
In each year in the last three yearsMOJO Watch
The company has generated higher cash revenues from business operations
Operating Cash Flows (USD MM)
Net Profit
Higher at USD 113.6 MM
than preceding 12 month period ended Jun 2026MOJO Watch
In the half year the company has already crossed Net Profit of the previous twelve months
Net Profit (USD MM)
Net Sales
Highest at USD 61.49 MM
in the last five periodsMOJO Watch
Near term sales trend is positive
Net Sales (USD MM)
Dividend per share
Highest at USD 0
in the last five yearsMOJO Watch
Company is distributing higher dividend from profits generated
DPS (USD)
Dividend Payout Ratio
Highest at 7.55%
in the last five yearsMOJO Watch
Company is distributing higher proportion of profits generated as dividend
DPR (%)
Here's what is not working for Carter Bankshares, Inc.
Cash and Eqv
Lowest at USD 78.06 MM
in the last six Semi-Annual periodsMOJO Watch
Short Term liquidity is deteriorating
Cash and Cash Equivalents
InfinHub Market Technologies FZ-LLC, Building-2, Unit 112, Dubai Internet City, Dubai, United Arab Emirates
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