Carter Bank Stocks (NASDAQ: CARE – received rating) and bank first (NASDAQ:BFC – received rating) are both small-cap financial companies, but which is the better investment? We will compare the two companies based on their earnings power, analyst recommendations, dividends, institutional ownership, valuation, risk and profitability.
volatility and risk
Carter Bankshares has a beta of 1.16, suggesting its stock price is 16% more volatile than the S&P 500. In comparison, Bank First has a beta of 0.36, suggesting its stock price is 64% less volatile is than the S&P 500.
This is a summary of the latest recommendations and price targets for Carter Bankshares and Bank First, as provided by MarketBeat.com.
|sell reviews||keep ratings||Buy reviews||Strong buy recommendations||rating score|
|Carter Bank Stocks||0||3||0||0||2.00|
Carter Bankshares currently has a consensus price target of $14.50, indicating a potential downside move of 11.37%. Bank First has a consensus price target of $84.00, indicating a potential upside of 18.81%. Given Bank First’s stronger consensus rating and more likely upside potential, analysts clearly believe Bank First is cheaper than Carter Bank stocks.
Institutional and Insider Ownership
35.3% of Carter Bankshares shares are held by institutional investors. In comparison, 26.1% of Bank First shares are held by institutional investors. 3.0% of Carter Bankshares shares are held by insiders. In comparison, 7.6% of Bank First shares are held by insiders. Strong institutional ownership is an indication that large money managers, endowments, and hedge funds believe a stock will outperform the market over the long term.
This table compares the net margins, return on equity, and return on assets of Carter Bankshares and Bank First.
|net margins||return on equity||return on investment|
|Carter Bank Stocks||19.85%||7.78%||0.76%|
Score & Rating
This table compares Carter Bankshares and Bank Firsts revenue, earnings per share and valuation.
|gross receipts||price/sales ratio||net income||earnings per share||price-earnings ratio|
|Carter Bank Stocks||$162.78 million||2.55||$31.46 million||$1.20||13.63|
|bench first||$121.90 million||4.40||$45.44 million||$5.76||27.12|
Bank First has lower revenues but higher profits than Carter Bankshares. Bank First is trading at a lower price-to-earnings multiple than Carter Bank stocks, suggesting it’s the cheaper of the two stocks right now.
Bank First beats Carter Bankshares on 10 of the 14 factors comparing the two stocks.
About Carter Bank stocks (received rating)
Carter Bankshares, Inc. acts as the bank holding company for Carter Bank & Trust, which offers various banking products and services. It accepts various deposit products including checking, savings, retirement and money market accounts, as well as longer-term certificates of deposit. The company also offers commercial loans, which include secured and unsecured loans; consumer loans such as secured and unsecured loans for financing automotive, home improvement, education, overdraft protection and personal investments, and residential mortgages; Real estate construction and acquisition loans; home equity lines of credit; and credit cards, and originates and holds fixed and variable rate mortgage loans. In addition, it offers other banking services including safe deposit boxes, direct deposit of payslips and social security checks, online banking, bill payment, online account opening, mobile deposit, mobile banking, debit cards, e-statements and ATM services; title insurance and other financial institution related products and services; and treasury and corporate cash management services. It operates through 69 offices in Virginia and North Carolina. Carter Bankshares, Inc. was founded in 1974 and is headquartered in Martinsville, Virginia.
About Bank First (received rating)
Bank First Corporation acts as the holding company for Bank First NA, which provides consumer and commercial financial services to Wisconsin businesses, professionals, consumers, associations, individuals and government agencies. The company offers checking, savings, money market, cash management, retirement and health savings accounts; other term deposits; certificates of deposit; and residential mortgage products. It also offers credit cards; ATM processing; Insurance; data processing and other information technologies; investment and custody; treasury management; and online, telephone and mobile banking services. The Company’s lending products include real estate loans, including commercial real estate, residential mortgages and home equity loans; trade and industrial loans for working capital, accounts receivable, inventory financing and other business purposes; construction and development loans; home loans for 1-4 families; and consumer credit for personal and household purposes, including secured and unsecured installment loans and revolving lines of credit. It operates through 21 offices in Manitowoc, Outagamie, Brown, Winnebago, Sheboygan, Waupaca, Ozaukee, Monroe and Jefferson counties in Wisconsin. The company was formerly known as Bank First National Corporation and changed its name to Bank First Corporation in June 2019. Bank First Corporation was founded in 1894 and is headquartered in Manitowoc, Wisconsin.
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