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California BanCorp (BCAL) vs Carter Bankshares, Inc. (CARE)

California BanCorp and Carter Bankshares, Inc. are both Banks Regional companies. California BanCorp and Carter Bankshares, Inc. are of similar size ($698.0M and $671.8M). Carter Bankshares, Inc. trades at the lower P/E: 5.2× against 11.7×. Carter Bankshares, Inc. grew revenue faster over the last twelve months: 40.1% against −2.30%. Carter Bankshares, Inc. has the higher net margin (36.6% vs 26.0%) and the higher return on invested capital (39.4% vs 16.2%). Both pay a dividend; California BanCorp yields more (1.93% vs 0.66%). Across the 18 metrics below, Carter Bankshares, Inc. leads on 10 and California BanCorp on 8.

Valuation

Metric BCAL CARE Banks Regional median
P/E 11.69 5.20 11.98
P/S 3.02 1.89 2.34
P/B 1.19 1.22 1.19
Price to free cash flow 11.79 11.23 10.63
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 8.56% 19.23% 8.23%
Free cash flow yield 8.48% 8.91% 9.08%

Profitability

Metric BCAL CARE Banks Regional median
Gross margin 77.87% 72.83% 69.55%
Operating margin 0.00% 0.00% 0.00%
Net margin 26.01% 36.60% 18.66%
Free cash flow margin 25.61% 16.81% 21.11%
Return on equity 10.61% 27.08% 10.65%
Return on assets 1.51% 2.67% 1.13%
Return on invested capital 16.15% 39.39% 8.35%

Growth

Metric BCAL CARE Banks Regional median
Revenue growth (TTM) (2.30%) 40.09% 6.98%
EPS growth (last fiscal year) 777.27% 30.19% 18.88%
Revenue growth, 5-year CAGR 37.44% 8.73% 12.38%
Net income growth, 5-year CAGR 67.92% 0.00% 9.71%

Health

Metric BCAL CARE Banks Regional median
Debt to equity 0.00 0.00 0.22
Current ratio 0.99 0.94 0.94
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric BCAL CARE Banks Regional median
Dividend yield 1.93% 0.66% 2.57%
Payout ratio 0.23 0.03 0.30

Size

Metric BCAL CARE Banks Regional median
Market cap 697.99m 671.79m 913.33m

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