Head-to-head: Carter Bankshares (NASDAQ:CARE) vs. Sandy Spring Bancorp (NASDAQ:SASR)
Carter Bankshares (NASDAQ:CARE – Get Rating) and Sandy Spring Bancorp (NASDAQ:SASR – Get Rating) are both small-cap financial companies, but which is the better deal? We’ll compare the two companies based on the strength of their risk, earnings, profitability, analyst ratings, institutional ownership, valuation, and dividends.
Institutional and Insider Ownership
38.2% of Carter Bankshares shares are owned by institutional investors. In comparison, 66.4% of Sandy Spring Bancorp’s stock is owned by institutional investors. 3.0% of Carter Bankshares stock is owned by company insiders. By comparison, 3.2% of Sandy Spring Bancorp’s stock is owned by company insiders. Strong institutional ownership is an indication that hedge funds, large money managers, and endowments 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 Sandy Spring Bancorp.
| net margins | return on equity | return on investment | |
| Carter Bank Stocks | 19.85% | 8.00% | 0.76% |
| Sandy Spring Bancorp | 37.99% | 13.08% | 1.55% |
Analyst Ratings
This is a summary of the most recent ratings and price targets for Carter Bankshares and Sandy Spring Bancorp as reported by MarketBeat.
| sell reviews | keep ratings | Buy reviews | Strong buy recommendations | rating score | |
| Carter Bank Stocks | 0 | 3 | 0 | 0 | 2.00 |
| Sandy Spring Bancorp | 0 | 1 | 1 | 0 | 2.50 |
Carter Bankshares currently has a consensus price target of $14.50, which suggests a potential upside of 3.13%. Sandy Spring Bancorp has a consensus target of $55.50, suggesting a potential upside of 42.16%. Given Sandy Spring Bancorp’s stronger consensus rating and higher potential upside, analysts clearly believe Sandy Spring Bancorp is cheaper than Carter Bankshares.
evaluation and result
This table compares the revenue, earnings per share (EPS) and valuation of Carter Bankshares and Sandy Spring Bancorp.
| gross receipts | price/sales ratio | net income | earnings per share | price-earnings ratio | |
| Carter Bank Stocks | $162.78 million | 2.12 | $31.46 million | $1.20 | 11.72 |
| Sandy Spring Bancorp | $552.34 million | 3.20 | $235.11 million | $4.34 | 9.00 |
Sandy Spring Bancorp has higher revenues and profits than Carter Bankshares. Sandy Spring Bancorp is trading at a lower price-to-earnings multiple than Carter Bank stocks, suggesting it’s the cheaper of the two stocks at the moment.
risk and volatility
Carter Bankshares has a beta of 1.11, meaning its stock price is 11% more volatile than the S&P 500. In comparison, Sandy Spring Bancorp has a beta of 1.03, meaning its stock price is 3% more volatile than the S&P 500.
summary
Sandy Spring Bancorp beats Carter Bankshares on 12 of the 14 factors comparing the two stocks.
Carter Bankshares company profile (get 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.
Company Profile of Sandy Spring Bancorp (get rating)
Sandy Spring Bancorp, Inc. acts as the bank holding company for Sandy Spring Bank, which provides commercial and retail banking, mortgage, personal banking and trust services to individuals and businesses. It operates through three segments: Community Banking, Insurance and Investment Management. The Community Banking segment offers financial products and services, including various loan and deposit products. Its lending products include commercial real estate loans, commercial construction loans and other commercial loans; residential real estate loans; and consumer credit, which includes home equity loans and lines, installment loans, and personal lines of credit. The Insurance segment provides general insurance agency and annuity services, such as: B. commercial, personal and medical liability insurance. The Investment Management segment provides investment management and financial planning, including cash flow analysis, investment due diligence, tax and pension planning, insurance analysis and estate planning, to individuals, families, small businesses and associations. It also offers personal trust and wealth management services. The company operates a network of approximately 50 locations in Maryland, Northern Virginia and Washington DC. Sandy Spring Bancorp, Inc. was founded in 1868 and is headquartered in Olney, Maryland.
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