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Upturn AI SWOT - About
CARE 
Carter Bank and Trust (CARE)
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Upturn Advisory Summary
03/27/2025: CARE (1-star) is currently NOT-A-BUY. Pass it for now.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
AI Based Fundamental Rating
Moderate Performance
These Stocks/ETFs, based on Upturn Advisory, typically align with the market average, offering steady but unremarkable returns.
Analysis of Past Performance
Type Stock | Historic Profit 8.11% | Avg. Invested days 50 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  2.0 |
| Profits based on simulation | Last Close 03/27/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 373.33M USD | Price to earnings Ratio 15.23 | 1Y Target Price 22.67 |
Price to earnings Ratio 15.23 | 1Y Target Price 22.67 | ||
Volume (30-day avg) 59880 | Beta 0.95 | 52 Weeks Range 10.95 - 20.40 | Updated Date 04/2/2025 |
52 Weeks Range 10.95 - 20.40 | Updated Date 04/2/2025 | ||
Dividends yield (FY) - | Basic EPS (TTM) 1.06 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 17.41% | Operating Margin (TTM) 30.6% |
Management Effectiveness
Return on Assets (TTM) 0.54% | Return on Equity (TTM) 6.67% |
Valuation
Trailing PE 15.23 | Forward PE 13.66 | Enterprise Value 320836320 | Price to Sales(TTM) 2.65 |
Enterprise Value 320836320 | Price to Sales(TTM) 2.65 | ||
Enterprise Value to Revenue 3.33 | Enterprise Value to EBITDA - | Shares Outstanding 23130900 | Shares Floating 22288264 |
Shares Outstanding 23130900 | Shares Floating 22288264 | ||
Percent Insiders 2.07 | Percent Institutions 49.22 |
Analyst Ratings
Rating 4.67 | Target Price 23 | Buy 1 | Strong Buy 2 |
Buy 1 | Strong Buy 2 | ||
Hold - | Sell - | Strong Sell - | |
Strong Sell - |
Upturn AI SWOT
Carter Bank and Trust
Company Overview
History and Background
Carter Bank & Trust was founded in 1974 by Worth Harris Carter, Jr. in Martinsville, Virginia. It has grown through organic expansion and strategic acquisitions to become a community bank serving Virginia and North Carolina.
Core Business Areas
- Commercial Banking: Offers loans, lines of credit, and other financial services to businesses, including small businesses and larger corporations.
- Retail Banking: Provides deposit accounts, mortgages, personal loans, and other services to individual customers.
- Wealth Management: Offers investment management, financial planning, and trust services.
Leadership and Structure
Worth Harris Carter, Jr. founded the bank. The organizational structure involves a board of directors overseeing executive management, which is responsible for day-to-day operations.
Top Products and Market Share
Key Offerings
- Commercial Loans: Loans to businesses for various purposes, including working capital, equipment, and real estate. Market share data is difficult to obtain specifically for Carter Bank & Trust's commercial loans. Competitors include larger national and regional banks like Truist (TFC) and Bank of America (BAC), as well as other community banks.
- Mortgage Loans: Residential mortgage loans for home purchase and refinancing. Market share is not specifically available; however, they compete with national mortgage lenders like Rocket Mortgage and local credit unions.
- Deposit Accounts: Checking, savings, and money market accounts for individuals and businesses. Competitors include all other banks offering deposit products.
Market Dynamics
Industry Overview
The banking industry is highly competitive and subject to regulatory changes, interest rate fluctuations, and economic conditions. Community banks face increasing competition from larger banks and fintech companies.
Positioning
Carter Bank & Trust positions itself as a community bank focused on providing personalized service and local expertise. Its competitive advantage lies in its strong relationships with customers and its understanding of the local markets it serves.
Total Addressable Market (TAM)
The TAM for banking services in Virginia and North Carolina is estimated to be in the billions of dollars annually. Carter Bank & Trust is positioned to capture a portion of this TAM through its branch network and online services.
Upturn SWOT Analysis
Strengths
- Strong community relationships
- Local market expertise
- Experienced management team
- Solid capital base
Weaknesses
- Limited geographic reach compared to larger banks
- Lower brand recognition than national banks
- Dependence on local economy
- Less technological advancement compared to large firms.
Opportunities
- Expanding into new markets within Virginia and North Carolina
- Increasing digital banking capabilities
- Acquiring smaller community banks
- Growing wealth management business
Threats
- Increasing competition from larger banks and fintech companies
- Economic downturn in Virginia and North Carolina
- Rising interest rates
- Regulatory changes
Competitors and Market Share
Key Competitors
- TFC
- BAC
- WSFS
- FCNCA
Competitive Landscape
Carter Bank & Trust faces significant competition from larger national and regional banks. Its competitive advantage lies in its personalized service and local market expertise.
Major Acquisitions
Growth Trajectory and Initiatives
Historical Growth: Carter Bank & Trust has grown steadily through organic expansion and acquisitions.
Future Projections: Future growth will depend on the bank's ability to expand into new markets, increase its digital banking capabilities, and manage its expenses.
Recent Initiatives: Recent initiatives may include branch expansions, technology upgrades, and new product offerings.
Summary
Carter Bank and Trust is a community bank with a strong presence in Virginia and North Carolina. Its strengths lie in its local market expertise and customer relationships. The bank needs to address increasing competition from larger banks and fintech companies and look to grow their digital services to maintain relevance.
Similar Companies
FCNCA
First Citizens BancShares Inc
FCNCA
First Citizens BancShares Inc
TFC
Truist Financial Corp
TFC
Truist Financial Corp
WSFS
WSFS Financial Corporation
WSFS
WSFS Financial Corporation
Sources and Disclaimers
Data Sources:
- Company website
- SEC filings
- Industry reports
Disclaimers:
This analysis is based on publicly available information and is not financial advice. Market share data is estimated and may not be precise. Financial data has been marked N/A.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About Carter Bank and Trust
Exchange NASDAQ | Headquaters Martinsville, VA, United States | ||
IPO Launch date 2012-08-27 | CEO & Director Mr. Litz H. Van Dyke | ||
Sector Financial Services | Industry Banks - Regional | Full time employees 680 | Website https://www.carterbank.com |
Full time employees 680 | Website https://www.carterbank.com | ||
Carter Bankshares, Inc. operates as the bank holding company for Carter Bank & Trust that provides various retail and commercial banking products and insurance services in the United States. It offers various deposit products, including checking, savings, retirement, and money market accounts, as well as certificates of deposit. The company also provides commercial loans comprising secured and unsecured, real estate construction and acquisition, and commercial and industrial loans; consumer loans, such as secured and unsecured loans for financing automobiles, home improvements, education, overdraft protection, and personal investments, as well as residential mortgages; home equity lines of credit; and credit cards, as well as originates and holds fixed and variable rate mortgage loans. In addition, it offers other banking services that include safe deposit boxes, direct deposit of payroll, social security checks, and debit cards; online banking products, including online and mobile banking, online account opening, bill pay, e-statement, mobile deposit, Zelle, CardValet, digital wallet, MoneyPass, and ATM services; title insurance and other financial institution-related products and services; and treasury and corporate cash management services. Carter Bankshares, Inc. was founded in 1974 and is headquartered in Martinsville, Virginia.
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