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Carter Bankshares (NASDAQ: CARE – Get a rating) and Sandy Spring Bancorp (NASDAQ: SASR – Get a rating) are both small cap finance companies, but which business is superior? We’ll compare the two companies based on their risk strength, earnings, profitability, analyst recommendations, institutional ownership, valuation and dividends.
Institutional and Insider Ownership
38.2% of Carter Bankshares shares are held by institutional investors. By comparison, 66.4% of Sandy Spring Bancorp’s shares are held by institutional investors. 3.0% of Carter Bankshares shares are held by insiders of the company. By comparison, 3.2% of Sandy Spring Bancorp’s stock is held by company insiders. Strong institutional ownership indicates that hedge funds, large fund 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 assets | |
| Carter Bank Stocks | 19.85% | 8.00% | 0.76% |
| Sandy Spring Bancorp | 37.99% | 13.08% | 1.55% |
Analyst Notes
This is a summary of recent ratings and price targets for Carter Bankshares and Sandy Spring Bancorp, as reported by MarketBeat.
| Sales Ratings | Hold odds | Buy reviews | Strong buy odds | Rating | |
| Carter Bank Stocks | 0 | 3 | 0 | 0 | 2.00 |
| Sandy Spring Bancorp | 0 | 1 | 1 | 0 | 2.50 |
Carter Bankshares currently has a consensus target price of $14.50, suggesting a potential upside of 3.13%. Sandy Spring Bancorp has a consensus target price of $55.50, suggesting a potential upside of 42.16%. Given Sandy Spring Bancorp’s higher consensus rating and higher possible upside, analysts clearly think Sandy Spring Bancorp is more favorable than Carter Bankshares.
Valuation and benefits
This table compares the earnings, earnings per share (EPS), and valuation of Carter Bankshares and Sandy Spring Bancorp.
| Gross revenue | Price/sales ratio | Net revenue | 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 trades at a lower price-to-earnings ratio than Carter Bankshares, indicating that it is currently the more affordable of the two stocks.
Risk and Volatility
Carter Bankshares has a beta of 1.11, which means its stock price is 11% more volatile than the S&P 500. In comparison, Sandy Spring Bancorp has a beta of 1.03, which means its stock price is 3 % more volatile than the S&P 500.
Summary
Sandy Spring Bancorp beats Carter Bankshares on 12 out of 14 factors compared between the two stocks.
Carter Bankshares Company Profile (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.
Sandy Spring Bancorp Company Profile (Get a rating)
Sandy Spring Bancorp, Inc. operates as a bank holding company for Sandy Spring Bank which provides commercial and retail banking, mortgage, private 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 loans including home equity loans and lines of credit, installment loans and personal lines of credit. The Insurance segment provides general insurance agency services and annuities, such as commercial, personal and medical liability lines. The Investment Management segment offers investment management and financial planning, including cash flow analysis, investment review, tax and retirement planning, insurance analysis and estate planning to individuals , families, small businesses and associations. It also provides 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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