Carter Bankshares, Inc. (CARE) vs Capital Bancorp, Inc. (CBNK)

Carter Bankshares, Inc. and Capital Bancorp, Inc. are both Banks Regional companies. Carter Bankshares, Inc. and Capital Bancorp, Inc. are of similar size ($671.8M and $642.3M). Carter Bankshares, Inc. trades at the lower P/E: 5.2× against 11.5×. Carter Bankshares, Inc. grew revenue faster over the last twelve months: 40.1% against 12.9%. Carter Bankshares, Inc. has the higher net margin (36.6% vs 17.5%) and the lower return on invested capital (39.4% vs 83.2%). Both pay a dividend; Capital Bancorp, Inc. yields more (1.26% vs 0.66%). Across the 19 metrics below, Capital Bancorp, Inc. leads on 10 and Carter Bankshares, Inc. on 9.

Valuation

Metric CARE CBNK Banks Regional median
P/E 5.20 11.55 11.98
P/S 1.89 2.00 2.34
P/B 1.22 1.53 1.19
Price to free cash flow 11.23 9.89 10.63
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 19.23% 8.66% 8.23%
Free cash flow yield 8.91% 10.11% 9.08%

Profitability

Metric CARE CBNK Banks Regional median
Gross margin 72.83% 78.67% 69.55%
Operating margin 0.00% 0.00% 0.00%
Net margin 36.60% 17.47% 18.66%
Free cash flow margin 16.81% 20.21% 21.11%
Return on equity 27.08% 14.05% 10.65%
Return on assets 2.67% 1.55% 1.13%
Return on invested capital 39.39% 83.21% 8.35%

Growth

Metric CARE CBNK Banks Regional median
Revenue growth (TTM) 40.09% 12.89% 6.98%
EPS growth (last fiscal year) 30.19% 61.61% 18.88%
Revenue growth, 5-year CAGR 8.73% 16.04% 12.38%
Net income growth, 5-year CAGR 0.00% 17.23% 9.71%

Health

Metric CARE CBNK Banks Regional median
Debt to equity 0.00 0.12 0.22
Current ratio 0.94 1.03 0.94
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric CARE CBNK Banks Regional median
Dividend yield 0.66% 1.26% 2.57%
Payout ratio 0.03 0.15 0.30

Size

Metric CARE CBNK Banks Regional median
Market cap 671.79m 642.33m 913.33m

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