Arrow Financial Corporation (AROW) vs Carter Bankshares, Inc. (CARE)

Arrow Financial Corporation and Carter Bankshares, Inc. are both Banks Regional companies. Arrow Financial Corporation and Carter Bankshares, Inc. are of similar size ($691.5M and $666.5M). Carter Bankshares, Inc. trades at the lower P/E: 5.2× against 12.1×. Carter Bankshares, Inc. grew revenue faster over the last twelve months: 40.1% against 8.43%. Carter Bankshares, Inc. has the higher net margin (36.6% vs 20.6%) and the higher return on invested capital (39.4% vs 14.2%). Both pay a dividend; Arrow Financial Corporation yields more (4.47% vs 2.58%). Across the 20 metrics below, Carter Bankshares, Inc. leads on 15 and Arrow Financial Corporation on 5.

Valuation

Metric AROW CARE Banks Regional median
P/E 12.15 5.22 12.15
P/S 2.48 1.89 2.37
P/B 1.39 1.23 1.21
Price to free cash flow 12.96 11.27 10.80
EV/EBITDA n/m n/m —
EV/Sales 1.83 1.61 2.27
Earnings yield 8.23% 19.17% 8.11%
Free cash flow yield 7.71% 8.88% 8.98%

Profitability

Metric AROW CARE Banks Regional median
Gross margin 70.23% 72.83% 69.57%
Operating margin 0.00% 0.00% 0.00%
Net margin 20.56% 36.60% 18.66%
Free cash flow margin 19.12% 16.81% 21.18%
Return on equity 12.00% 27.08% 10.64%
Return on assets 1.15% 2.67% 1.13%
Return on invested capital 14.20% 39.39% 8.33%

Growth

Metric AROW CARE Banks Regional median
Revenue growth (TTM) 8.43% 40.09% 6.61%
EPS growth (last fiscal year) 49.72% 30.19% —
Revenue growth, 5-year CAGR 10.91% 8.73% 12.30%
Net income growth, 5-year CAGR 1.49% 0.00% 9.71%

Health

Metric AROW CARE Banks Regional median
Debt to equity 0.06 0.00 0.22
Current ratio 0.92 0.94 0.94
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric AROW CARE Banks Regional median
Dividend yield 4.47% 2.58% 3.75%
Payout ratio 0.46 0.00 0.27

Size

Metric AROW CARE Banks Regional median
Market cap 691.49m 666.47m 921.07m

Compare with another peer

Any metric, up to five companies and an Excel export Powerpack