Carter Bank and Trust (NASDAQ:CARE) and Ameris Bancorp (NASDAQ:ABCB) are both small-cap finance companies, but which is the superior investment? We will compare the two companies based on the strength of their risk, institutional ownership, valuation, earnings, analyst recommendations, dividends and profitability.
Insider & Institutional Ownership
33.9% of Carter Bank and Trust shares are held by institutional investors. Comparatively, 84.3% of Ameris Bancorp shares are held by institutional investors. 2.0% of Ameris Bancorp shares are held by 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.
This table compares Carter Bank and Trust and Ameris Bancorp’s gross revenue, earnings per share and valuation.
|Gross Revenue||Price/Sales Ratio||Net Income||Earnings Per Share||Price/Earnings Ratio|
|Carter Bank and Trust||$169.01 million||1.26||$11.90 million||N/A||N/A|
|Ameris Bancorp||$834.51 million||1.96||$161.44 million||$3.80||6.21|
Ameris Bancorp has higher revenue and earnings than Carter Bank and Trust.
Volatility and Risk
Carter Bank and Trust has a beta of 1.37, indicating that its share price is 37% more volatile than the S&P 500. Comparatively, Ameris Bancorp has a beta of 1.48, indicating that its share price is 48% more volatile than the S&P 500.
This table compares Carter Bank and Trust and Ameris Bancorp’s net margins, return on equity and return on assets.
|Net Margins||Return on Equity||Return on Assets|
|Carter Bank and Trust||N/A||N/A||N/A|
This is a breakdown of recent ratings and target prices for Carter Bank and Trust and Ameris Bancorp, as provided by MarketBeat.com.
|Sell Ratings||Hold Ratings||Buy Ratings||Strong Buy Ratings||Rating Score|
|Carter Bank and Trust||0||1||2||0||2.67|
Carter Bank and Trust presently has a consensus target price of $11.75, suggesting a potential upside of 45.60%. Ameris Bancorp has a consensus target price of $36.60, suggesting a potential upside of 55.15%. Given Ameris Bancorp’s stronger consensus rating and higher probable upside, analysts plainly believe Ameris Bancorp is more favorable than Carter Bank and Trust.
Ameris Bancorp beats Carter Bank and Trust on 12 of the 12 factors compared between the two stocks.
About Carter Bank and Trust
Carter Bank & Trust provides a range of retail and commercial banking products and services in Virginia and North Carolina. It accepts checking, savings, retirement, and money market accounts, as well as longer-term certificates of deposit. The company also offers loans, such as secured and unsecured commercial loans; secured and unsecured consumer loans for financing automobiles, home improvements, education, and personal investments; real estate construction and acquisition loans; and fixed and variable rate mortgage loans. In addition, it provides safe deposit boxes, direct deposit of payroll and social security checks, and automated drafts for various accounts. As of December 31, 2018, the company operated 105 branches. Carter Bank & Trust is headquartered in Martinsville, Virginia.
About Ameris Bancorp
Ameris Bancorp operates as the bank holding company for Ameris Bank that provides banking services to retail and commercial customers primarily in Georgia, Alabama, Florida, and South Carolina. The company operates through five segments: Banking Division, Retail Mortgage Division, Warehouse Lending Division, SBA Division, and Premium Finance Division. It offers commercial and retail checking, regular interest-bearing savings, money market, individual retirement, and certificates of deposit accounts. The company also provides commercial real estate, residential real estate mortgage, agricultural, and commercial and industrial loans; consumer loans, including motor vehicle, home improvement, and home equity loans, as well as loans secured by savings accounts and small unsecured personal credit lines; and municipal and commercial insurance premium finance loans. It operates 125 domestic banking offices and 16 loan production offices. Ameris Bancorp was founded in 1971 and is headquartered in Moultrie, Georgia.
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