Contrast between Carter Bankshares (NASDAQ:CARE) and Bank First (NASDAQ:BFC)

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Carter Bankshares (NASDAQ: CAREGet a rating) and Bank First (NASDAQ: BFCGet a rating) are both small cap finance companies, but which is the better investment? We’ll compare the two companies based on earnings strength, 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 than the S&P 500.

Analyst Recommendations

This is a summary of recent recommendations and price targets for Carter Bankshares and Bank First, as provided by MarketBeat.com.

Sales Ratings Hold odds Buy reviews Strong buy odds Rating
Carter Bank Stocks 0 3 0 0 2.00
Bank first 0 0 1 0 3.00

Carter Bankshares currently has a consensus price target of $14.50, indicating a potential downside 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 higher likely upside, analysts clearly think Bank First is more favorable than Carter Bankshares.

Institutional and Insider Ownership

35.3% of Carter Bankshares shares are held by institutional investors. By comparison, 26.1% of Bank First’s shares are held by institutional investors. 3.0% of Carter Bankshares shares are held by insiders. By comparison, 7.6% of Bank First shares are held by insiders. Strong institutional ownership indicates that large money managers, endowments, and hedge funds believe a stock will outperform the market over the long term.

Profitability

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 assets
Carter Bank Stocks 19.85% 7.78% 0.76%
Bank first 36.55% 13.94% 1.54%

Benefits and evaluation

This chart compares revenue, earnings per share and valuation of Carter Bankshares and Bank First.

Gross revenue Price/sales ratio Net revenue Earnings per share Price/earnings ratio
Carter Bank Stocks $162.78 million 2.55 $31.46 million $1.20 13.63
Bank first $121.90 million 4.40 $45.44 million $5.76 12.27

Bank First has lower revenues, but higher profits than Carter Bankshares. Bank First trades at a lower price-to-earnings ratio than Carter Bankshares, indicating that it is currently the more affordable of the two stocks.

Summary

Bank First beats Carter Bankshares on 10 out of 14 factors compared between the two stocks.

About Carter Bankshares (Get a rating)

Carter Bankshares, Inc. operates as a bank holding company for Carter Bank & Trust which provides various banking products and services. It accepts a variety of deposit products, including checking, savings, retirement, and money market accounts, as well as longer-term certificates of deposit. The company also offers commercial loans including secured and unsecured loans; consumer loans, such as secured and unsecured loans for automobile financing, home improvement, education, overdraft protection and personal investments, and residential mortgages; loans for the construction and acquisition of real estate; home equity lines of credit; and credit cards, as well as issues and holds fixed and variable rate mortgages. In addition, it provides other banking services, including safety deposit boxes, direct deposit of payroll and social security checks, online banking, bill payment, online account opening, mobile, mobile banking, debit cards, electronic statements and ATM services; title insurance and other products and services related to financial institutions; and corporate treasury and cash management services. It operates through 69 branches in Virginia and North Carolina. Carter Bankshares, Inc. was founded in 1974 and is headquartered in Martinsville, Virginia.

About Bank First (Get a rating)

Bank First LogoBank First Corporation operates as a holding company for Bank First NA which provides consumer and commercial financial services to Wisconsin businesses, professionals, consumers, associations, individuals and government authorities. 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 provides credit cards; ATM processing; Assurance; data processing and other information technology; investment and custody; finance management; and online, telephone and mobile banking. The Company’s lending products include real estate loans, including commercial real estate loans, residential mortgages and home equity loans; commercial and industrial loans for working capital, accounts receivable, inventory financing and other business purposes; construction and development loans; residential loans for 1 to 4 families; and consumer loans 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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