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CARE vs HBCP

CARE
Carter Bankshares, Inc.
NEUTRAL
Price
$23.50
Market Cap
$520.9M
Sector
Financial Services
AI Confidence
90%
HBCP
Home Bancorp, Inc.
BULLISH
Price
$64.88
Market Cap
$508.5M
Sector
Financial Services
AI Confidence
85%

Valuation

P/E Ratio
CARE
17.03
HBCP
11.15
Forward P/E
CARE
9.4
HBCP
10.56
P/B Ratio
CARE
1.24
HBCP
1.17
P/S Ratio
CARE
3.32
HBCP
3.42
EV/EBITDA
CARE
--
HBCP
--

Profitability

Gross Margin
CARE
0.0%
HBCP
0.0%
Operating Margin
CARE
29.96%
HBCP
40.51%
Profit Margin
CARE
19.97%
HBCP
30.99%
ROE
CARE
7.8%
HBCP
11.08%
ROA
CARE
0.66%
HBCP
1.33%

Growth

Revenue Growth
CARE
6.4%
HBCP
10.5%
Earnings Growth
CARE
6.2%
HBCP
20.6%

Financial Health

Debt/Equity
CARE
--
HBCP
--
Current Ratio
CARE
--
HBCP
--
Quick Ratio
CARE
--
HBCP
--

Dividends

Dividend Yield
CARE
--
HBCP
1.8%
Payout Ratio
CARE
0.0%
HBCP
19.42%

AI Verdict

CARE NEUTRAL

CARE shows neutral fundamentals based on deterministic rules. Financial strength is stable (F-Score 4/9). Mixed signals with both opportunities and risks present.

Strengths
Company has established market presence
Risks
Limited historical data available for full assessment
HBCP BULLISH

HBCP exhibits a stable financial profile with a Piotroski F-Score of 4/9 and significant valuation upside, trading at $64.88 against a Graham Number of $85.3 and an Intrinsic Value of $171.69. The company demonstrates strong growth momentum with 20.6% YoY earnings growth and a consistent track record of beating analyst estimates. While the technical trend score is paradoxically low, actual price performance shows a robust 57.2% one-year gain. The combination of a low P/E (11.15) and a conservative payout ratio (19.42%) suggests a high-quality, undervalued regional banking play.

Strengths
Significant undervaluation relative to Graham Number ($85.3) and Intrinsic Value ($171.69)
Strong earnings growth (20.6% YoY) and consistent quarterly EPS beats
Attractive valuation multiples (P/E 11.15, P/B 1.17)
Risks
Piotroski F-Score of 4/9 indicates only 'stable' rather than 'strong' financial health
Exposure to regional banking sector volatility and interest rate sensitivity
Low dividend yield (1.80%) may not attract income-focused investors

Compare Another Pair

CARE vs HBCP: Head-to-Head Comparison

This page compares Carter Bankshares, Inc. (CARE) and Home Bancorp, Inc. (HBCP) across key fundamental metrics including valuation ratios, profitability margins, growth rates, financial health indicators, and dividend metrics. Each metric highlights the better-performing stock so you can quickly identify relative strengths and weaknesses.

Our AI engine independently analyzes each company's financials, competitive position, and market conditions to produce a verdict (Bullish, Neutral, or Bearish) along with key strengths and risks. Use this comparison alongside your own research to make informed investment decisions.

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