Profitability
Weight: 25%
D+
41
Scored using ROA (NIM proxy) — financial-archetype substitution.
- 5yr Avg ROA 0.7%
- Operating Margin Trend -3.58 pp/yr
CARE
Carter Bankshares, Inc.
AlphaQuality composite grade, weighted for banks, insurers & asset managers businesses.
Capital Efficiency
Weight: 20%
B-
67
Scored using ROTCE — financial-archetype substitution.
- 5yr Avg ROTCE 7.7%
- 5yr Share-Count CAGR -3.9%
Growth Quality
Weight: 10%
A-
81
Scored using BVPS — financial-archetype substitution.
- 5yr BVPS CAGR 11.6%
- 5yr EPS CAGR 3.9%
- Positive-EPS Years (5) 5/5
Cash Generation
Weight: 5%
A+
94
Scored using OCF/NI — banks have no FCF concept.
- 5yr OCF/NI 1.73x
Balance Sheet
Weight: 30%
C-
50
Scored using Equity/Assets — financial-archetype substitution.
- Equity / Assets 8.7%
- Interest Coverage (EBIT/Int) 0.39x
Stability
Weight: 10%
B-
65
- EPS Volatility (σ/μ) 0.41
- Piotroski F-Score 8
- Negative-Revenue Years (5) 1/5
Guru Flow
Curated superinvestor sentiment — not part of the AlphaQuality grade.1 of 1 gurus held; 1 trimmed.
- Holders
- 1
- Avg Δ position
- -45.2%
- New buys
- 0
- Full exits
- 0
- Cooperman decreased -45%