CARE PEER ANALYSIS

Carter Bank and Trust — metric-by-metric comparison with peers and the industry median

CARECarter Bank and Trust

🇺🇸 USA · NASDAQ · Financial Services · Banks - Regional

Value it Duel

Overall Profile & Returns

· Banks - Regional

Position Within Industry

0 = weak quartile, 100 = strong quartile

CAREIndustry median

Scores normalize each metric against industry quartiles (p25–p75); direction is inverted for lower-is-better metrics.

Return Comparison

1-Year

Split-adjusted

Year-to-Date (YTD)

Key Metric Comparison

P/E

Lower is better

ROE

Higher is better

Net Margin

Higher is better

Revenue Growth

Higher is better

All Metrics

Valuation
Metric	CARE	NWG	TSKB	LLOY	SKBNK	LB	Ind. Median
P/E	6.71	9.21	2.96●	13.42	20.06	116.67	12.96
P/B	1.44	1.41	0.71	1.41	3.18	0.68●	1.29
EV/EBITDA	—	-8.40●	2.21	14.85	1.78	306.42	9.32
P/S	—	—	—	—	—	—	—

Financial Health
Metric	CARE	NWG	TSKB	LLOY	SKBNK	LB	Ind. Median
Current Ratio	0.14	0.25●	—	0.12	—	0.01	0.31
Debt/Equity	—	17.0%	0.0%●	209.8%	0.0%●	744.5%	38.0%
NetDebt/EBITDA	—	-14.68●	-0.47	5.39	-13.41	280.57	-0.58

Profitability
Metric	CARE	NWG	TSKB	LLOY	SKBNK	LB	Ind. Median
Net Margin	33.8%	20.1%	54.9%●	25.9%	14.2%	1.4%	20.6%
ROE	23.9%	14.9%	27.4%●	10.6%	17.5%	1.0%	10.9%
ROA	2.3%	0.8%	3.7%●	0.5%	1.2%	0.1%	1.2%
EBITDA Margin	—	—	—	—	—	—	20.4%

Growth + Dividend
Metric	CARE	NWG	TSKB	LLOY	SKBNK	LB	Ind. Median
Rev. Growth	—	—	—	—	—	—	—
NI Growth	291.0%●	16.0%	-1.3%	16.2%	8.1%	-80.9%	19.4%
Div. Yield	—	4.8%●	—	3.2%	—	4.7%	2.5%
Payout	—	—	—	—	—	335.1%	31.4%

Valuation
Metric	CARE	SPFI	HIFS	IBCP	WASH	SHBI	Ind. Median
P/E	6.71●	11.92	13.29	10.68	13.13	12.18	12.96
P/B	1.44	1.43	1.38	1.46	1.26●	1.27	1.29
EV/EBITDA	—	-0.86●	30.57	8.36	18.18	8.39	9.32
P/S	—	—	—	—	—	—	—

Financial Health
Metric	CARE	SPFI	HIFS	IBCP	WASH	SHBI	Ind. Median
Current Ratio	0.14	0.22	70.28●	61.78	—	42.84	0.31
Debt/Equity	—	12.0%●	292.9%	14.5%	116.6%	16.5%	38.0%
NetDebt/EBITDA	—	-9.62●	20.74	0.28	8.42	0.57	-0.58

Profitability
Metric	CARE	SPFI	HIFS	IBCP	WASH	SHBI	Ind. Median
Net Margin	33.8%●	20.3%	22.1%	22.5%	13.9%	18.2%	20.6%
ROE	23.9%●	12.8%	10.9%	14.3%	9.9%	10.9%	10.9%
ROA	2.3%●	1.3%	1.1%	1.3%	0.8%	1.0%	1.2%
EBITDA Margin	—	—	—	—	—	—	20.4%

Growth + Dividend
Metric	CARE	SPFI	HIFS	IBCP	WASH	SHBI	Ind. Median
Rev. Growth	—	—	—	—	—	—	—
NI Growth	291.0%●	18.7%	76.7%	5.2%	—	27.0%	19.4%
Div. Yield	—	1.5%	0.8%	2.9%	6.1%●	2.1%	2.5%
Payout	—	17.1%	14.0%	31.4%	82.1%	25.6%	31.4%

The green dot marks the best value in the group given the metric direction (higher/lower is better). All metrics use trailing-twelve-month (TTM) data.

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Data on this page refreshes once per day. Price data as of Jul 7, 26. This content is for informational purposes only and is not investment advice.