Carter Bank and Trust (CARE) Stock Analysis — PE Ratio, PS Ratio, Intrinsic Value & 2030 Price Target
Carter Bank and Trust stock (CARE) is currently trading at $20.33. Carter Bank and Trust PE ratio is 14.35. Carter Bank and Trust PS ratio (Price-to-Sales) is 2.79. Analyst consensus price target for CARE is $24.83. WallStSmart rates CARE as Hold.
- CARE PE ratio analysis and historical PE chart
- CARE PS ratio (Price-to-Sales) history and trend
- CARE intrinsic value — DCF, Graham Number, EPV models
- CARE stock price prediction 2025 2026 2027 2028 2029 2030
- CARE fair value vs current price
- CARE insider transactions and insider buying
- Is CARE undervalued or overvalued?
- Carter Bank and Trust financial analysis — revenue, earnings, cash flow
- CARE Piotroski F-Score and Altman Z-Score
- CARE analyst price target and Smart Rating
Carter Bank and Trust
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CARE Intrinsic Value Analysis for Value Investors
Benjamin Graham Formula · Carter Bank and Trust (CARE)
CARE is trading near its Graham intrinsic value of $23.07, suggesting the stock is reasonably priced at current levels.
Based on Benjamin Graham Formula. Growth rate capped at 25%. For informational purposes only. Not financial advice.
Smart Analysis
Carter Bank and Trust (CARE) · 9 metrics scored
Smart Score
Category Performance
WallStSmart pulls financial metrics like revenue growth, profit margins, and valuation ratios and scores each one from 0 to 10 based on how strong or weak it is. Those 10 scores are grouped into 4 categories: Growth, Profitability, Valuation, and Quality — which form the 4 axes of the spider chart you see. The categories are then combined into a final score out of 100, but not equally. Growth and Profitability together count for 60% of the total, because a fast-growing profitable business matters more than just a cheap one. That final number maps to a rating (Strong Buy, Buy, Hold, Avoid) and a letter grade, giving you one clear Stock Rating.
Investment Thesis
Strong fundamentals in operating margin, price/book, profit margin. Concerns around return on equity. Fundamentals are solid but monitor weak areas for improvement.
Carter Bank and Trust (CARE) Key Strengths (4)
Keeps $30 of every $100 in revenue after operating costs
Keeps $20 of every $100 in revenue as net profit
Trading at 1.05x book value, attractively priced
54.12% held by institutions, strong professional interest
Supporting Valuation Data
Carter Bank and Trust (CARE) Areas to Watch (5)
Low profitability relative to shareholder equity
Modest revenue growth at 6.40%
Modest earnings growth at 6.20%
Small-cap company with higher risk but more growth potential
Revenue is fairly priced at 2.79x sales
Carter Bank and Trust (CARE) Detailed Analysis Report
Overall Assessment
This company scores 58/100 in our Smart Analysis, earning a C grade. Out of 9 metrics analyzed, 4 register as strengths (avg 9.0/10) while 5 fall into concern territory (avg 4.4/10). The category breakdown reveals uneven performance, with some areas requiring attention.
The Bull Case
The strongest argument centers on Operating Margin, Profit Margin, Price/Book. Valuation metrics including Price/Book (1.05) suggest the stock is attractively priced. Profitability is solid with Operating Margin at 30.00%, Profit Margin at 20.00%.
The Bear Case
The primary concerns are Return on Equity, Revenue Growth, EPS Growth. Some valuation metrics including Price/Sales (2.79) suggest expensive pricing. Growth concerns include Revenue Growth at 6.40%, EPS Growth at 6.20%, which may limit upside. Profitability pressure is visible in Return on Equity at 7.80%.
Key Dynamics to Monitor
Three factors to monitor going forward. First, whether Return on Equity improves, as this is the primary drag on the overall score. Second, margin trajectory, with Return on Equity at 7.80% needing improvement to support the investment thesis. Third, growth sustainability, with Revenue Growth at 6.40% needing to reaccelerate.
Risk Considerations
Based on the metric profile, this is a moderate-to-high risk investment. There are more areas of concern than strength, warranting a more conservative position size. Investors should size positions according to their risk tolerance and maintain diversification.
Bottom Line
Mixed fundamentals with both positives (Operating Margin, Profit Margin) and negatives (Return on Equity, Revenue Growth). A cautious approach is warranted. Monitor for improvement in weak areas before increasing conviction.
Disclaimer: Smart Analysis is a scoring system developed by WallStSmart Team. Scores update daily using multi-model valuation framework. Always conduct your own research and consult with financial advisors before making investment decisions.
CARE Price-to-Sales(PS) Ratio Chart
Historical valuation based on market cap ÷ trailing 12-month revenue
CARE's Price-to-Sales ratio of 2.79x trades at a 45% premium to its historical average of 1.93x (95th percentile). The current valuation is 14% below its historical high of 3.26x set in Dec 2019, and 233% above its historical low of 0.84x in Sep 2020. Over the past 12 months, the PS ratio has expanded from ~1.5x, reflecting growing market expectations outpacing revenue growth.
WallStSmart Analysis Synopsis
Data-driven financial summary for Carter Bank and Trust (CARE) · FINANCIAL SERVICES › BANKS - REGIONAL
The Big Picture
Carter Bank and Trust is a mature, profitable business with steady cash generation. Revenue reached 157M with 6% growth year-over-year. Profit margins of 20.0% are healthy, with room for further expansion as the business scales.
Key Findings
Generating 7M in free cash flow and 12M in operating cash flow. Earnings are translating into actual cash generation.
What to Watch Next
Sector dynamics: monitor BANKS - REGIONAL industry trends, competitive moves, and regulatory changes that could impact Carter Bank and Trust.
Bottom Line
Carter Bank and Trust is a well-established business delivering consistent profitability with 20.0% margins. The growth phase may be slowing, but strong cash generation and operational efficiency make it suitable for investors seeking reliability over excitement.
This synopsis is generated from publicly available financial data. It is not financial advice. Always conduct your own research and consult a qualified financial advisor before making investment decisions.
Insider Transactions
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About Carter Bank and Trust(CARE)
NASDAQ
FINANCIAL SERVICES
BANKS - REGIONAL
USA
Carter Bankshares, Inc. is the banking holding company for Carter Bank & Trust offering a variety of banking products and services. The company is headquartered in Martinsville, Virginia.