Carter Bankshares, Inc. (CARE) vs Community West Bancshares (CWBC)

Carter Bankshares, Inc. and Community West Bancshares are both Banks Regional companies. Carter Bankshares, Inc. and Community West Bancshares are of similar size ($699.2M and $671.8M). Carter Bankshares, Inc. trades at the lower P/E: 5.2× against 13.8×. 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 16.9%) and the higher return on invested capital (39.4% vs 6.83%). Both pay a dividend; Community West Bancshares yields more (1.86% vs 0.66%). Across the 19 metrics below, Carter Bankshares, Inc. leads on 12 and Community West Bancshares on 7.

Valuation

Metric CARE CWBC Banks Regional median
P/E 5.20 13.84 11.98
P/S 1.89 3.24 2.34
P/B 1.22 1.15 1.19
Price to free cash flow 11.23 14.43 10.63
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 19.23% 7.22% 8.23%
Free cash flow yield 8.91% 6.93% 9.08%

Profitability

Metric CARE CWBC Banks Regional median
Gross margin 72.83% 76.29% 69.55%
Operating margin 0.00% 0.00% 0.00%
Net margin 36.60% 16.86% 18.66%
Free cash flow margin 16.81% 22.46% 21.11%
Return on equity 27.08% 7.33% 10.65%
Return on assets 2.67% 0.84% 1.13%
Return on invested capital 39.39% 6.83% 8.35%

Growth

Metric CARE CWBC Banks Regional median
Revenue growth (TTM) 40.09% 12.91% 6.98%
EPS growth (last fiscal year) 30.19% 344.44% 18.88%
Revenue growth, 5-year CAGR 8.73% 19.71% 12.38%
Net income growth, 5-year CAGR 0.00% 13.41% 9.71%

Health

Metric CARE CWBC Banks Regional median
Debt to equity 0.00 0.12 0.22
Current ratio 0.94 0.89 0.94
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric CARE CWBC Banks Regional median
Dividend yield 0.66% 1.86% 2.57%
Payout ratio 0.03 0.26 0.30

Size

Metric CARE CWBC Banks Regional median
Market cap 671.79m 699.17m 913.33m

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