Carter Bankshares (NASDAQ:CARE) versus BV Financial (NASDAQ:BVFL) Head-To-Head Review

Carter Bankshares (NASDAQ:CARE) and BV Financial (NASDAQ:BVFL) are both small-cap finance companies, but which is the superior business? We will contrast the two companies based on the strength of their earnings, profitability, valuation, institutional ownership, analyst recommendations, risk and dividends.

Insider & Institutional Ownership

41.5% of Carter Bankshares shares are held by institutional investors. Comparatively, 42.7% of BV Financial shares are held by institutional investors. 2.2% of Carter Bankshares shares are held by company insiders. Comparatively, 15.7% of BV Financial shares are held by company insiders. Strong institutional ownership is an indication that hedge funds, endowments and large money managers believe a stock is poised for long-term growth.

Risk and Volatility

Carter Bankshares has a beta of 0.44, meaning that its stock price is 56% less volatile than the S&P 500. Comparatively, BV Financial has a beta of 0.4, meaning that its stock price is 60% less volatile than the S&P 500.

Valuation & Earnings

This table compares Carter Bankshares and BV Financial”s top-line revenue, earnings per share (EPS) and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Carter Bankshares	$149.03 million	3.55	$31.00 million	$1.38	17.32
BV Financial	$52.43 million	3.33	$13.49 million	$1.47	13.57

Carter Bankshares has higher revenue and earnings than BV Financial. BV Financial is trading at a lower price-to-earnings ratio than Carter Bankshares, indicating that it is currently the more affordable of the two stocks.

Profitability

This table compares Carter Bankshares and BV Financial’s net margins, return on equity and return on assets.

	Net Margins	Return on Equity	Return on Assets
Carter Bankshares	12.32%	7.64%	0.65%
BV Financial	25.74%	8.66%	1.83%

Analyst Recommendations

This is a summary of current recommendations and price targets for Carter Bankshares and BV Financial, as reported by MarketBeat.com.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Carter Bankshares	0	1	2	1	3.00
BV Financial	0	1	0	0	2.00

Carter Bankshares currently has a consensus price target of $22.00, indicating a potential downside of 7.93%. Given Carter Bankshares’ stronger consensus rating and higher probable upside, equities analysts clearly believe Carter Bankshares is more favorable than BV Financial.

Summary

Carter Bankshares beats BV Financial on 9 of the 15 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 BV Financial

BV Financial, Inc. operates as the holding company for BayVanguard Bank that provides various financial services to individuals and businesses in Maryland. The company offers checking and money market accounts, savings accounts, and certificates of deposits. Its loan products include real estate, home equity, construction, lot, auto, boat, and other personal loans; and commercial lending products, such as commercial equipment/installation, commercial real estate, construction, investment real estate, lines of credit, and SBA loans, as well as loans for short-term real estate purchase, renovation, and sale projects. The company offers ATM, overdraft, safe deposit, bill pay, remote deposit capture, ACH origination, merchant, and online banking services. BV Financial, Inc. was founded in 1873 and is headquartered in Baltimore, Maryland.