Head to Head Survey: Carter Bankshares (NASDAQ:CARE) & California International Bank, N.A. (OTCMKTS:CAIB)

Carter Bankshares (NASDAQ:CARE) and California International Bank, N.A. (OTCMKTS:CAIB) are both small-cap finance companies, but which is the better stock? We will contrast the two businesses based on the strength of their analyst recommendations, valuation, institutional ownership, dividends, earnings, profitability and risk.

Volatility and Risk

Carter Bankshares has a beta of 1.03, meaning that its share price is 3% more volatile than the S&P 500. Comparatively, California International Bank, N.A. has a beta of -0.78, meaning that its share price is 178% less volatile than the S&P 500.

Profitability

This table compares Carter Bankshares and California International Bank, N.A.’s net margins, return on equity and return on assets.

	Net Margins	Return on Equity	Return on Assets
Carter Bankshares	5.41%	4.09%	0.32%
California International Bank, N.A.	N/A	N/A	N/A

Earnings & Valuation

This table compares Carter Bankshares and California International Bank, N.A.”s revenue, earnings per share and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Carter Bankshares	$127.61 million	3.36	$23.19 million	$0.57	32.63
California International Bank, N.A.	$4.85 million	3.51	N/A	N/A	N/A

Carter Bankshares has higher revenue and earnings than California International Bank, N.A..

Analyst Ratings

This is a breakdown of recent recommendations for Carter Bankshares and California International Bank, N.A., as provided by MarketBeat.com.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Carter Bankshares	0	0	2	0	3.00
California International Bank, N.A.	0	0	0	0	N/A

Carter Bankshares presently has a consensus price target of $21.50, suggesting a potential upside of 15.59%. Given Carter Bankshares’ higher probable upside, equities research analysts clearly believe Carter Bankshares is more favorable than California International Bank, N.A..

Institutional & Insider Ownership

41.5% of Carter Bankshares shares are held by institutional investors. 1.9% of Carter Bankshares shares are held by company insiders. Strong institutional ownership is an indication that endowments, hedge funds and large money managers believe a company is poised for long-term growth.

Summary

Carter Bankshares beats California International Bank, N.A. on 9 of the 10 factors compared between the two stocks.

About Carter Bankshares

Carter Bankshares, Inc. operates as the bank holding company for Carter Bank & Trust that provides various banking products and services in the United States. It accepts various deposit products, including checking, savings, retirement, and money market accounts, as well as certificates of deposits. The company also offers commercial loans comprising secured and unsecured loans; consumer loans, such as secured and unsecured loans for financing automobiles, home improvements, education, overdraft protection, and personal investments, as well as residential mortgages; real estate construction, acquisition, commercial, and industrial loans; home equity lines of credit; and credit cards, as well as originates and holds fixed and variable rate mortgage loans. In addition, it provides other banking services that include safe deposit boxes, direct deposit of payroll, and social security checks; online banking products, including online and mobile banking, online account opening, bill pay, e-statement, mobile deposit, digital wallet, and ATM services; title insurance and other financial institution-related products and services; and treasury and corporate cash management services. Carter Bankshares, Inc. was founded in 1974 and is headquartered in Martinsville, Virginia.

About California International Bank, N.A.

California International Bank, N.A. provides various banking products and services to personal and business customers in California. It offers checking accounts, savings and investment products, loans, ATM and debit cards, payment processing solutions, and online banking services. California International Bank, N.A. was incorporated in 2006 and is headquartered in Westminster, California.