Carter Bankshares Inc is a bank holding company that conducts its business solely through the bank. The Bank earns revenue from interest on loans and securities and fees charged for financial services provided to customers. The Bank offers a full range of deposit services including Lifetime Free Checking, interest checking accounts, savings accounts, retirement accounts and other deposit accounts of various types, ranging from money market accounts to longer-term CDs. The Bank offers a full range of commercial and consumer loans. The Bank also originates and holds fixed and variable-rate mortgage loans and offers home equity lines of credit to its customers.

Financial Strength

3/10

Name	Current	Vs Industry	Vs History
Cash-To-Debt	0.35
Equity-to-Asset	0.08
Debt-to-Equity	0.87
Debt-to-EBITDA	N/A	N/A	N/A
Interest Coverage	N/A	N/A	N/A
Piotroski F-Score	5/9	0 1 2 3 4 5 6 7 8 9
Beneish M-Score	-2.74	Manipulator Not Manipulator
WACC vs ROIC		WACC ROIC

Growth Rank

2/10

	Name	Current	Vs Industry		Vs History
	3-Year Revenue Growth Rate	6.6
	3-Year EPS without NRI Growth Rate	264.1
	3-Year Book Growth Rate	-2.8

Momentum Rank

4/10

	Name	Current	Vs Industry		Vs History
	5-Day RSI	93.6
	9-Day RSI	82.62
	14-Day RSI	71.41
	6-1 Month Momentum %	4.29
	12-1 Month Momentum %	-8.85

Liquidity Ratio

	Name	Current	Vs Industry		Vs History

Dividend & Buy Back

	Name	Current	Vs Industry		Vs History
	3-Year Average Share Buyback Ratio	4.5
	Shareholder Yield %	-58.93

Profitability Rank

5/10

	Name	Current	Vs Industry		Vs History
	Net Margin %	10.67
	FCF Margin %	26.35
	ROE %	3.81
	ROA %	0.3
	Years of Profitability over Past 10-Year	8

GF Value Rank

9/10

	Name	Current	Vs Industry		Vs History
	PE Ratio	23.12
	Forward PE Ratio	2.83
	PE Ratio without NRI	21.26
	Shiller PE Ratio	15.69
	Price-to-Owner-Earnings	15.67
	PS Ratio	2.44
	PB Ratio	0.84
	Price-to-Tangible-Book	0.84
	Price-to-Free-Cash-Flow	9.2
	Price-to-Operating-Cash-Flow	7.2
	EV-to-Revenue	4.07
	EV-to-Forward-Revenue	3.58
	EV-to-FCF	15.45
	Price-to-Projected-FCF	0.45
	Price-to-Median-PS-Value	0.81
	Price-to-Graham-Number	0.89
	FCF Yield %	10.8
	Forward Rate of Return (Yacktman) %	7.58

GF Value: $16.57

CARE

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