Which has the lower trailing P/E, CARE or MSBIP?

CARE has the lower trailing P/E: CARE trades at 5.18 and MSBIP at 15.83. P/E is one valuation measure and does not by itself establish which business is cheaper.

Which has grown faster, CARE or MSBIP?

Over the past five years, CARE grew revenue faster — CARE at a 17.25% CAGR versus MSBIP at 7.02%.

Does CARE or MSBIP pay a bigger dividend?

CARE yields 0.65% and MSBIP yields 7.66% based on trailing dividends and the latest price.

Is CARE or MSBIP more profitable?

CARE runs the higher net margin — CARE at 36.89% versus MSBIP at 9.71%.

Carter Bankshares, Inc. (CARE) vs Midland States Bancorp, Inc. (MSBIP)

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.

CARE

Carter Bankshares, Inc.

$675M

$30.44Financial ServicesDelayed quote: Oct 6, 2026, 12:55 PM EDT

MSBIP

Midland States Bancorp, Inc.

$700M

$25.33Financial ServicesDelayed quote: Oct 6, 2026, 12:44 PM EDT

Total return — CARE vs MSBIP

growth of $100 · dividends reinvested · last 4y

CARE +79.9% (+15.8%/yr)MSBIP +38.6% (+8.5%/yr)CARE compounded faster over this window

CARE MSBIP

CARE vs MSBIP: by the numbers

•MSBIP is the larger company ($700M vs $675M market cap).
•CARE trades at the lower trailing earnings multiple (5.18 vs 15.83 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).
•MSBIP pays the higher dividend yield (7.66% vs 0.65%).

Metrics side by side

Valuation

Metric	CARE	MSBIP
P/E ratio	5.18	15.83
Forward P/E	5.04	7.58
P/S ratio	1.94	1.58
P/B ratio	1.25	1.52

Profitability

Metric	CARE	MSBIP
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	MSBIP
Dividend yield	0.65%	7.66%
Payout ratio	3.40%	121.10%

Growth (annualized)

Metric	CARE	MSBIP
Revenue CAGR (5Y)	17.25%	7.02%
Total return CAGR (5Y)	15.68%	N/A

Frequently asked

Which has the lower trailing P/E, CARE or MSBIP?: CARE has the lower trailing P/E: CARE trades at 5.18 and MSBIP at 15.83. P/E is one valuation measure and does not by itself establish which business is cheaper.
Which has grown faster, CARE or MSBIP?: Over the past five years, CARE grew revenue faster — CARE at a 17.25% CAGR versus MSBIP at 7.02%.
Does CARE or MSBIP pay a bigger dividend?: CARE yields 0.65% and MSBIP yields 7.66% based on trailing dividends and the latest price.
Is CARE or MSBIP more profitable?: CARE runs the higher net margin — CARE at 36.89% versus MSBIP at 9.71%.

Go deeper

Full CARE analysis Full MSBIP analysis Interactive comparison tool

Dig into the metrics

Carter Bankshares P/E ratio Midland States Bancorp P/E ratio Carter Bankshares dividend yield Midland States Bancorp dividend yield Carter Bankshares ROE Midland States Bancorp ROE Carter Bankshares operating margin Midland States Bancorp operating margin Carter Bankshares revenue growth Midland States Bancorp revenue growth

Carter Bankshares & Midland States Bancorp appear in these rankings

Highest Dividend Yield Stocks Fastest Revenue Growth Stocks Lowest P/E Ratio Stocks

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.