Carter Bankshares, Inc. (CARE) vs Donegal Group Inc. (DGICA)
A side-by-side comparison of Carter Bankshares, Inc. and Donegal Group 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 DGICA
growth of $100 · dividends reinvested · last 10yCARE vs DGICA: by the numbers
- •CARE is the larger company ($675M vs $673M market cap).
- •CARE trades at the lower trailing earnings multiple (5.18 vs 9.23 P/E), one valuation lens rather than an overall verdict.
- •CARE converts more revenue to profit (36.89% vs 7.38% net margin).
- •CARE grew revenue faster over the past five years (17.25% vs 3.86% CAGR).
- •DGICA pays the higher dividend yield (4.11% vs 0.65%).
Metrics side by side
Valuation
| Metric | CARE | DGICA |
|---|---|---|
| P/E ratio | 5.18 | 9.23 |
| Forward P/E | 5.04 | 10.15 |
| PEG ratio | N/A | 2.59 |
| P/S ratio | 1.94 | 0.70 |
| P/B ratio | 1.25 | 1.01 |
Profitability
| Metric | CARE | DGICA |
|---|---|---|
| Operating margin | 15.71% | 9.10% |
| Net margin | 36.89% | 7.38% |
| ROE | 23.85% | 10.67% |
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.
Donegal Group 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 | DGICA |
|---|---|---|
| Dividend yield | 0.65% | 4.11% |
| Payout ratio | 3.40% | 37.88% |
Growth (annualized)
| Metric | CARE | DGICA |
|---|---|---|
| Revenue CAGR (5Y) | 17.25% | 3.86% |
| EPS CAGR (5Y) | N/A | 4.28% |
| Total return CAGR (5Y) | 15.68% | 9.25% |
Frequently asked
- Which has the lower trailing P/E, CARE or DGICA?
- CARE has the lower trailing P/E: CARE trades at 5.18 and DGICA at 9.23. P/E is one valuation measure and does not by itself establish which business is cheaper.
- Which has grown faster, CARE or DGICA?
- Over the past five years, CARE grew revenue faster — CARE at a 17.25% CAGR versus DGICA at 3.86%.
- Does CARE or DGICA pay a bigger dividend?
- CARE yields 0.65% and DGICA yields 4.11% based on trailing dividends and the latest price.
- Is CARE or DGICA more profitable?
- CARE runs the higher net margin — CARE at 36.89% versus DGICA at 7.38%.
- How have CARE and DGICA total returns compared?
- Over the past 10 years, CARE delivered 9.07% and DGICA delivered 5.43% annualized total return. Past performance doesn't predict future results.
Go deeper
Dig into the metrics
Carter Bankshares & Donegal 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.