Regional Management vs Carter Bankshares

Regional Management Corp and Carter Bankshares Inc are compared to illuminate how their business models drive operations, how their financial performance is described, and how each fits within the current market context. This page offers neutral, accessible information to help readers understand similarities and differences. Educational content, not financial advice.

Regional Management Corp and Carter Bankshares Inc are compared to illuminate how their business models drive operations, how their financial performance is described, and how each fits within the cur...

Comparison Snapshot

Key Financial Metrics

RM

Metric

CARE

$351.31M

Market Cap

$443.51M

72.50%

Potential Profit

13.53%

Buy

Analyst Rating

Buy

Investment Analysis

Regional Management

RM

Pros

Regional Management has delivered solid recent revenue growth, with a 10% year-on-year increase in the most recent quarter.
The company maintains a high gross margin above 60%, reflecting strong underlying cost control relative to industry peers.
A consistent dividend policy is in place, including a recently declared payout with a yield near 3%, appealing to income-focused investors.

Considerations

Regional Management carries a high debt-to-equity ratio exceeding 400%, raising concerns about financial leverage and interest rate sensitivity.
Net profit margins are modest at under 6%, limiting earnings scalability despite healthy top-line growth.
The business focuses on non-prime borrowers, exposing it to higher credit risk during economic downturns or rising unemployment.

Carter Bankshares

CARE

Pros

Carter Bankshares operates a traditional community banking model, which can provide stability and local customer loyalty in its regional markets.
The bank’s share price has shown resilience, trading above its 52-week low and demonstrating recovery potential after recent volatility.
As a holding company for Carter Bank & Trust, it benefits from diversified revenue streams including lending, deposits, and fee-based services.

Considerations

Carter Bankshares’ stock performance has lagged behind its 52-week high, suggesting limited upward momentum or investor enthusiasm recently.
Detailed recent financial metrics such as net interest margin, efficiency ratio, and asset quality are not prominently disclosed in available updates.
The bank’s regional focus may limit growth opportunities compared to larger, nationally diversified financial institutions.

About The Companies

Regional Management (RM)

Regional Management Corp (RM) is a small‑cap, US‑focused consumer finance company that originates and services instalment loans for non‑prime borrowers. With a market capitalisation of about $396.7m, the business generates income primarily from interest on financed receivables and fees; profitability is driven by loan origination volumes, underwriting standards and credit performance. Key considerations for investors include the quality and seasoning of the loan book, allowance for credit losses, funding sources and regulatory exposure in consumer‑finance markets. The share price can be sensitive to economic cycles, unemployment and interest‑rate moves that affect borrower repayment capacity. As a smaller speciality lender, RM may offer higher upside and higher volatility versus larger banks. This summary is educational and not personal investment advice — values can rise and fall and past performance is not a guide to the future; consider your own circumstances or consult a regulated adviser before investing.

Carter Bankshares (CARE)

Carter Bankshares, Inc. operates as the bank holding company for its subsidiary, Carter Bank & Trust. The institution provides a comprehensive suite of financial services across both the commercial and consumer banking sectors. For individuals, it offers products like lifetime free chequing accounts, savings and retirement accounts, and certificates of deposit (CDs). Businesses can access commercial loans, real estate construction financing, and other industrial loan products. The bank has also embraced digital services, offering online banking, bill payments, and e-statements to its customers. By serving a broad customer base with a full range of deposit, lending, and digital services, Carter Bankshares aims to be a core financial partner for its communities. As with any investment, it's important to remember that a company's value can go down as well as up, and returns are not guaranteed.

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Comparison Snapshot