Carter Bankshares vs Financial Institutions
Financial Institutions is the larger business, with $245m of revenue in fiscal 2025 against $153m for Carter Bankshares (1.6 times as much). Financial Institutions grew faster (109.5% against 12.8%). Financial Institutions kept more of each dollar of sales as profit: a net margin of 30.6% against 20.5%.
| Latest fiscal year | Carter BanksharesCARE, 2025 | Financial InstitutionsFISI, 2025 |
|---|---|---|
| Revenue | $153m | $245m |
| Revenue growth | 12.8% | 109.5% |
| Net income | $31.4m | $74.9m |
| Operating margin | — | — |
| Net margin | 20.5% | 30.6% |
| Return on equity | 7.8% | 12.5% |
| Free cash flow | $31.8m | $13.3m |
| Cash | $105m | $109m |
| Total debt | $0 | $303m |
| Debt to equity | — | — |
| Dividend per share | — | $1.24 |
| Dividend yield | — | 3.1% |
| Share buybacks | $20.0m | $11.4m |
| Employees | 687 | 631 |
| Market value | $635m | $786m |
| Price vs our value range | — | — |
| Moat score | 53 (Moderate) | 41 (Weak) |
| Insider trades, 12 months | 1 buys, 6 sales | 2 buys, 0 sales |