Carter Bankshares, Inc. (CARE) Stock Recommendation | Score, Valuation, Technicals & Financial Trend

Score

Click here to find our call on this stock

Strong Sell

Sell

Hold

Buy

Strong Buy

Comparison

Company

Score

Quality

Valuation

Financial

Technical

Carter Bankshares, Inc.

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Why is Carter Bankshares, Inc. ?

High Profitability with a Net Interest Margin of 3.40%

Strong Long Term Fundamental Strength with a 13.75% CAGR growth in Net Profits

With a growth in Interest of NAN%, the company declared Outstanding results in Mar 26

The company has declared positive results for the last 2 consecutive quarters
NII(Q) Highest at USD 35.93 MM
OPERATING CASH FLOW(Y) Highest at USD 337.45 MM
ROCE(HY) Highest at 2.25%

With ROA of 0.46%, it has a fair valuation with a 1.06 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 62.96%, its profits have risen by 28.1% ; the PEG ratio of the company is 0.4

High Institutional Holdings at 56.29%

These investors have better capability and resources to analyse fundamentals of companies than most retail investors.
Their stake has increased by 0.85% over the previous quarter.

Real-Time Research Report

Verdict Report

How 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.

62.96%

4.32

25.79%

S&P 500

27.0%

2.13

12.69%

Quality

Management Risk

Growth

Capital Structure

Quality grade scale :

Below Average, Average, Good, Excellent

Quality key factors

Factor

Value

Sales Growth (5y)

10.50%

EBIT Growth (5y)

9.10%

EBIT to Interest (avg)

Debt to EBITDA (avg)

Net Debt to Equity (avg)

Sales to Capital Employed (avg)

Tax Ratio

Dividend Payout Ratio

Pledged Shares

Institutional Holding

55.44%

ROCE (avg)

ROE (avg)

Valuation

Valuation Scorecard

Valuation grade scale :

Very Risky, Risky, Very Expensive, Expensive, Fair, Attractive, Very Attractive

Valuation Key Factors

Factor

Value

P/E Ratio

Industry P/E

Price to Book Value

1.06

EV to EBIT

14.35

EV to EBITDA

12.27

EV to Capital Employed

1.05

EV to Sales

2.11

PEG Ratio

0.42

Dividend Yield

ROCE (Latest)

7.34%

ROE (Latest)

7.41%

Technicals

Technical key factors

Indicator

Weekly

Monthly

MACD

Bullish

RSI

Bearish

No Signal

Bollinger Bands

Mildly Bullish

Bullish

Moving Averages

Bullish (Daily)

KST

Bullish

Dow Theory

No Trend

Bullish

OBV

Bullish

Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned

Technical Movement

Analyse All Technical Factors

Financial Trend

Financial Trend Scorecard

Financial Trend scale:

Very Negative, Negative, Flat, Positive, Very Positive, Outstanding

32What is working for the Company

NII(Q)

Highest at USD 35.93 MM

OPERATING CASH FLOW(Y)

Highest at USD 337.45 MM

ROCE(HY)

Highest at 2.25%

GROSS NPA (%)

OPERATING PROFIT(Q)

Highest at USD 109.95 MM

OPERATING PROFIT MARGIN(Q)

Highest at 185.78 %

PRE-TAX PROFIT(Q)

Highest at USD 110.03 MM

NET PROFIT(Q)

Highest at USD 84.69 MM

EPS(Q)

Highest at USD 3.88

-3What is not working for the Company

ROCE(HY)

Lowest at 2.25%

CASH AND EQV(HY)

Lowest at USD 73.9 MM

Here's what is working for Carter Bankshares, Inc.

Pre-Tax Profit

At USD 110.03 MM has Grown at 1,000.28%

over average net sales of the previous four periods of USD 10 MM

MOJO Watch

Near term Pre-Tax Profit trend is very positive

Pre-Tax Profit (USD MM)

Net Profit

At USD 84.69 MM has Grown at 992.61%

over average net sales of the previous four periods of USD 7.75 MM

MOJO Watch

Near term Net Profit trend is very positive

Net Profit (USD MM)

NII

Highest at USD 35.93 MM and Grown

In each period in the last five periods

MOJO Watch

The bank's income from core business is increasing

Net NPA

Non Performing Loans (%)

Lowest at 0.64%

in the last four Semi-Annual periods

MOJO Watch

Proportion of stressed loans given by the bank are falling

Non Performing Loans (%)

Operating Cash Flow

Highest at USD 337.45 MM

in the last three years

MOJO Watch

The company has generated higher cash revenues from business operations

Operating Cash Flows (USD MM)

Operating Profit

Highest at USD 109.95 MM

in the last five periods

MOJO Watch

Near term Operating Profit trend is positive

Operating Profit (USD MM)

Operating Profit Margin

Highest at 185.78 %

in the last five periods

MOJO Watch

Company's profit margin has improved

Operating Profit to Sales

Pre-Tax Profit

Highest at USD 110.03 MM

in the last five periods

MOJO Watch

Near term Pre-Tax Profit trend is positive

Pre-Tax Profit (USD MM)

Net Profit

Highest at USD 84.69 MM

in the last five periods

MOJO Watch

Near term Net Profit trend is positive

Net Profit (USD MM)

EPS

Highest at USD 3.88

in the last five periods

MOJO Watch

Increasing profitability; company has created higher earnings for shareholders

EPS (USD)

Depreciation

Highest at USD 2.13 MM

in the last five periods

MOJO Watch

The expenditure on assets done by the company may have gone into operation

Depreciation (USD MM)

Here's what is not working for Carter Bankshares, Inc.

Cash and Eqv

Lowest at USD 73.9 MM

in the last six Semi-Annual periods

MOJO Watch

Short Term liquidity is deteriorating

Cash and Cash Equivalents