Carter Bankshares, Inc. (CARE) vs Capital Bancorp, Inc. (CBNK)
A side-by-side comparison of Carter Bankshares, Inc. and Capital Bancorp, Inc. across valuation, profitability, dividends, and growth — built entirely from reported fundamentals, as of October 6, 2026. Differences are shown without an overall score or investment verdict.
Total return — CARE vs CBNK
growth of $100 · dividends reinvested · last 8yCARE vs CBNK: by the numbers
- •CARE is the larger company ($675M vs $656M market cap).
- •CARE trades at the lower trailing earnings multiple (5.18 vs 11.84 P/E), one valuation lens rather than an overall verdict.
- •CARE converts more revenue to profit (36.89% vs 19.26% net margin).
- •CARE grew revenue faster over the past five years (17.25% vs 10.99% CAGR).
- •CBNK pays the higher dividend yield (1.25% vs 0.65%).
Metrics side by side
Valuation
| Metric | CARE | CBNK |
|---|---|---|
| P/E ratio | 5.18 | 11.84 |
| Forward P/E | 5.04 | 11.58 |
| PEG ratio | N/A | 0.93 |
| P/S ratio | 1.94 | 2.24 |
| P/B ratio | 1.25 | 1.55 |
Profitability
| Metric | CARE | CBNK |
|---|---|---|
| Operating margin | 15.71% | 15.76% |
| Net margin | 36.89% | 19.26% |
| ROE | 23.85% | 13.35% |
Carter Bankshares, Inc.: Gross margin is not shown for a lender or insurer: its revenue is interest, premiums and fees rather than the sale of goods, so there is no cost of goods sold to measure it against.
Capital Bancorp, Inc.: Gross margin is not shown for a lender or insurer: its revenue is interest, premiums and fees rather than the sale of goods, so there is no cost of goods sold to measure it against.
Dividends
| Metric | CARE | CBNK |
|---|---|---|
| Dividend yield | 0.65% | 1.25% |
| Payout ratio | 3.40% | 14.71% |
Growth (annualized)
| Metric | CARE | CBNK |
|---|---|---|
| Revenue CAGR (5Y) | 17.25% | 10.99% |
| EPS CAGR (5Y) | N/A | 13.03% |
| Total return CAGR (5Y) | 15.68% | 11.49% |
Frequently asked
- Which has the lower trailing P/E, CARE or CBNK?
- CARE has the lower trailing P/E: CARE trades at 5.18 and CBNK at 11.84. P/E is one valuation measure and does not by itself establish which business is cheaper.
- Which has grown faster, CARE or CBNK?
- Over the past five years, CARE grew revenue faster — CARE at a 17.25% CAGR versus CBNK at 10.99%.
- Does CARE or CBNK pay a bigger dividend?
- CARE yields 0.65% and CBNK yields 1.25% based on trailing dividends and the latest price.
- Is CARE or CBNK more profitable?
- CARE runs the higher net margin — CARE at 36.89% versus CBNK at 19.26%.
- How have CARE and CBNK total returns compared?
- Over the past 5 years, CARE delivered 15.68% and CBNK delivered 11.49% annualized total return. Past performance doesn't predict future results.
Go deeper
Dig into the metrics
Carter Bankshares & Capital Bancorp appear in these rankings
Figures are sourced from reported fundamentals and the latest end-of-day price. This comparison is informational only and is not investment advice. Past performance does not predict future results. See our methodology. Compiled by TGMCharts Research · data verified October 6, 2026.