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Carter Bankshares, Inc. (CARE) vs West Coast Community Bancorp (WCCB)

Carter Bankshares, Inc. and West Coast Community Bancorp are both Banks Regional companies. Carter Bankshares, Inc. and West Coast Community Bancorp are of similar size ($656.7M and $629.2M). Carter Bankshares, Inc. trades at the lower P/E: 4.8× against 12.3×. Carter Bankshares, Inc. grew revenue faster over the last twelve months: 39.7% against 16.0%. West Coast Community Bancorp has the higher net margin (29.8% vs 0.00%) and the lower return on invested capital (0.00% vs 23.1%). Both pay a dividend; West Coast Community Bancorp yields more (1.62% vs 0.70%). Across the 13 metrics below, Carter Bankshares, Inc. leads on 7 and West Coast Community Bancorp on 6.

Valuation

Metric CARE WCCB Banks Regional median
P/E 4.81 12.27 12.02
P/S 1.76 3.64 2.36
P/B 1.18 n/m 1.23
Price to free cash flow 12.80 n/m 10.60
EV/EBITDA — n/m —
EV/Sales — 3.52 —
Earnings yield 20.81% 8.15% 8.21%
Free cash flow yield 7.82% 0.00% 9.23%

Profitability

Metric CARE WCCB Banks Regional median
Gross margin 74.33% 100.00% 69.81%
Operating margin 0.00% 0.00% 0.00%
Net margin 0.00% 29.80% 18.82%
Free cash flow margin 13.77% 0.00% 17.97%
Return on equity 0.00% 0.00% 10.28%
Return on assets 0.00% 0.00% 1.13%
Return on invested capital 23.13% 0.00% 8.45%

Growth

Metric CARE WCCB Banks Regional median
Revenue growth (TTM) 39.69% 16.04% 6.37%
EPS growth (last fiscal year) 30.19% 45.12% 18.85%
Revenue growth, 5-year CAGR 8.73% 25.23% 12.65%
Net income growth, 5-year CAGR 0.00% 23.50% 9.81%

Health

Metric CARE WCCB Banks Regional median
Debt to equity 0.04 — 0.17
Current ratio 0.93 — 0.93
Net debt to EBITDA 0.00 — 0.00

Dividend

Metric CARE WCCB Banks Regional median
Dividend yield 0.70% 1.62% 2.49%
Payout ratio 0.03 0.20 0.29

Size

Metric CARE WCCB Banks Regional median
Market cap 629.16m 656.73m 934.85m

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