Carter Bankshares, Inc. (CARE) vs Midland States Bancorp, Inc. (MSBI)
A side-by-side comparison of Carter Bankshares, Inc. and Midland States 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 MSBI
growth of $100 · dividends reinvested · last 10yCARE vs MSBI: by the numbers
- •MSBI is the larger company ($680M vs $675M market cap).
- •CARE trades at the lower trailing earnings multiple (5.18 vs 20.49 P/E), one valuation lens rather than an overall verdict.
- •CARE converts more revenue to profit (36.89% vs 9.71% net margin).
- •CARE grew revenue faster over the past five years (17.25% vs 7.02% CAGR).
- •MSBI pays the higher dividend yield (3.89% vs 0.65%).
Metrics side by side
Valuation
| Metric | CARE | MSBI |
|---|---|---|
| P/E ratio | 5.18 | 20.49 |
| Forward P/E | 5.04 | 9.81 |
| P/S ratio | 1.94 | 1.54 |
| P/B ratio | 1.25 | 1.48 |
Profitability
| Metric | CARE | MSBI |
|---|---|---|
| Operating margin | 15.71% | -22.08% |
| Net margin | 36.89% | 9.71% |
| ROE | 23.85% | 7.55% |
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.
Midland States 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 | MSBI |
|---|---|---|
| Dividend yield | 0.65% | 3.89% |
| Payout ratio | 3.40% | 80.63% |
Growth (annualized)
| Metric | CARE | MSBI |
|---|---|---|
| Revenue CAGR (5Y) | 17.25% | 7.02% |
| Total return CAGR (5Y) | 15.68% | 10.69% |
Frequently asked
- Which has the lower trailing P/E, CARE or MSBI?
- CARE has the lower trailing P/E: CARE trades at 5.18 and MSBI at 20.49. P/E is one valuation measure and does not by itself establish which business is cheaper.
- Which has grown faster, CARE or MSBI?
- Over the past five years, CARE grew revenue faster — CARE at a 17.25% CAGR versus MSBI at 7.02%.
- Does CARE or MSBI pay a bigger dividend?
- CARE yields 0.65% and MSBI yields 3.89% based on trailing dividends and the latest price.
- Is CARE or MSBI more profitable?
- CARE runs the higher net margin — CARE at 36.89% versus MSBI at 9.71%.
- How have CARE and MSBI total returns compared?
- Over the past 10 years, CARE delivered 9.07% and MSBI delivered 7.19% annualized total return. Past performance doesn't predict future results.
Go deeper
Dig into the metrics
Carter Bankshares & Midland States 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.