CARE Valuation

Carter Bankshares Inc

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19.390

+0.19(0.990%)1D

Overview
Forecast
Valuation
Earnings

CARE Relative Valuation

CARE's fair value is calculated using relative valuation, based on historical P/E and P/S ranges and their premiums/discounts relative to a competitor average, adjusted by weights. If the market price exceeds this fair value range, CARE is overvalued; if below, it's undervalued.

Historical Valuation

Carter Bankshares Inc (CARE) is now in the Fair zone, suggesting that its current forward PE ratio of 6.82 is considered Fairly compared with the five-year average of 10.59. The fair price of Carter Bankshares Inc (CARE) is between 19.25 to 39.28 according to relative valuation methord.

Relative Value

Fair Zone

19.25-39.28

Current Price：19.39

Fair

6.82

Trailing

Forward

0.00

EV/EBITDA

Carter Bankshares Inc. (CARE) has a current EV/EBITDA of 0.00. The 5-year average EV/EBITDA is 0.00. The thresholds are as follows: Strongly Undervalued below 0.00, Undervalued between 0.00 and 0.00, Fairly Valued between 0.00 and 0.00, Overvalued between 0.00 and 0.00, and Strongly Overvalued above 0.00. The current Forward EV/EBITDA of 0.00 falls within the Strongly Undervalued range.

NaN

EV/EBIT

Carter Bankshares Inc. (CARE) has a current EV/EBIT of NaN. The 5-year average EV/EBIT is NaN. The thresholds are as follows: Strongly Undervalued below NaN, Undervalued between NaN and NaN, Fairly Valued between NaN and NaN, Overvalued between NaN and NaN, and Strongly Overvalued above NaN. The current Forward EV/EBIT of NaN falls within the range.

2.68

Carter Bankshares Inc. (CARE) has a current PS of 2.68. The 5-year average PS is 2.38. The thresholds are as follows: Strongly Undervalued below 1.67, Undervalued between 1.67 and 2.02, Fairly Valued between 2.73 and 2.02, Overvalued between 2.73 and 3.08, and Strongly Overvalued above 3.08. The current Forward PS of 2.68 falls within the Historic Trend Line -Fairly Valued range.

0.00

P/OCF

Carter Bankshares Inc. (CARE) has a current P/OCF of 0.00. The 5-year average P/OCF is 0.00. The thresholds are as follows: Strongly Undervalued below 0.00, Undervalued between 0.00 and 0.00, Fairly Valued between 0.00 and 0.00, Overvalued between 0.00 and 0.00, and Strongly Overvalued above 0.00. The current Forward P/OCF of 0.00 falls within the Strongly Undervalued range.

0.00

P/FCF

Carter Bankshares Inc. (CARE) has a current P/FCF of 0.00. The 5-year average P/FCF is 0.00. The thresholds are as follows: Strongly Undervalued below 0.00, Undervalued between 0.00 and 0.00, Fairly Valued between 0.00 and 0.00, Overvalued between 0.00 and 0.00, and Strongly Overvalued above 0.00. The current Forward P/FCF of 0.00 falls within the Strongly Undervalued range.

Carter Bankshares Inc (CARE) has a current Price-to-Book (P/B) ratio of 1.07. Compared to its 3-year average P/B ratio of 1.02 , the current P/B ratio is approximately 5.48% higher. Relative to its 5-year average P/B ratio of 0.96, the current P/B ratio is about 12.17% higher. Carter Bankshares Inc (CARE) has a Forward Free Cash Flow (FCF) yield of approximately 6.64%. Compared to its 3-year average FCF yield of 12.08%, the current FCF yield is approximately -45.04% lower. Relative to its 5-year average FCF yield of 10.81% , the current FCF yield is about -38.57% lower.

1.07

P/B

Median3y

1.02

Median5y

0.96

6.64

FCF Yield

Median3y

12.08

Median5y

10.81

Competitors Valuation Multiple

The average P/S ratio for CARE's competitors is 2.30, providing a benchmark for relative valuation. Carter Bankshares Inc Corp (CARE) exhibits a P/S ratio of 2.68, which is 16.82% above the industry average. Given its robust revenue growth of 10.44%, this premium appears unsustainable.

P/S

P/E

EV/EBITDA

EV/EBIT

P/S

Revenue Growth

Market Cap

CARE.O

Carter Bankshares Inc

Red River Bancshares Inc

Amber International Holding Ltd

Loss

372.86M

FBIZ.O

First Business Financial Services Inc

Flushing Financial Corp

1.86

30.48%

458.71M

Performance Decomposition

Market capitalization of CARE increased by 12.08% over the past 1 year. The primary factor behind the change was an increase in Margin Expansion from 15.21 to 24.40.

The secondary factor is the Revenue Growth, contributed 10.44%to the performance.

Overall, the performance of CARE in the past 1 year is driven by Margin Expansion. Which is more sustainable.

10.44%

31.58M → 34.88M

Revenue Growth

60.42%

15.21 → 24.40

Margin Expansion

-58.78%

34.25 → 14.12

P/E Change

12.08%