COMP <GO>
CARE vs FBIZ // REVENUE GROWTH (YOY)
Carter Bankshares Inc. (NASDAQ) VS. First Business Financial Services Inc. (NASDAQ) • 15-METRIC TALLY: CARE 1
— FBIZ 6
■ METRIC PARITY
LAST: $28.54 (-1.59%) • MKT CAP: $642.8M
revenue-growth
4.60%
LAST: $76.68 (-1.40%) • MKT CAP: $647.7M
revenue-growth
—
15-METRIC INSTITUTIONAL SIDE-BY-SIDE SCORECARD (CARE VS. FBIZ)
EMERALD CELL = QUANTITATIVE EDGE
| INSTITUTIONAL METRIC | CARE | FBIZ | SPREAD (A - B) | ADVANTAGE | DEDICATED URL |
|---|---|---|---|---|---|
| Gross Profit Margin | — | — | — | TIE | /gross-margins <GO> |
| Return on Invested Capital (ROIC) | 7.50% | 13.50% | -6.00 | FBIZ | /roic <GO> |
| EV/EBITDA & P/E Valuation | — | — | — | TIE | /valuation <GO> |
| Free Cash Flow Yield | 4.80% | 9.90% | -5.10 | FBIZ | /fcf-yield <GO> |
| Operating Margin | — | — | — | TIE | /operating-margins <GO> |
| Net Profit Margin | 68.00% | — | — | TIE | /net-margins <GO> |
| Revenue Growth (YoY) ACTIVE | 4.60% | — | — | TIE | /revenue-growth <GO> |
| Dividend Yield & FCF Payout Safety | 0.00% | 1.57% | -1.57 | FBIZ | /dividend-safety <GO> |
| Altman Z-Score & Debt/Equity | — | — | — | TIE | /balance-sheet <GO> |
| Piotroski F-Score Quality | 6/9 | 5/9 | +1.00 | CARE | /piotroski-score <GO> |
| Options Implied Move & Put/Call Skew | — | — | — | TIE | /options-implied-move <GO> |
| RSI-14 & 200D SMA Momentum | 38.6 | 72.9 | -34.30 | FBIZ | /rsi-technicals <GO> |
| 10Y Yield & FRED Macro Beta | — | — | — | TIE | /macro-sensitivity <GO> |
| Forward P/E Multiple | 19.6x | 11.4x | +8.20 | FBIZ | /forward-pe <GO> |
| Enterprise Scale & Market Cap | $642.8M | $647.7M | -$5.0M | FBIZ | /market-cap <GO> |
5-YEAR HISTORICAL XBRL REVENUE & MARGIN TRAJECTORY SEC FORM 10-K FY
| FISCAL YEAR | CARE REV | FBIZ REV | CARE GROSS % | FBIZ GROSS % | CARE FCF | FBIZ FCF |
|---|---|---|---|---|---|---|
| FY 2025 | $20.3M | $1.71B | — | — | $31.8M | $61.1M |
| FY 2024 | $19.4M | $1.62B | — | — | $28.8M | $57.3M |
| FY 2023 | $17.3M | $198.7M | — | — | $46.7M | $52.3M |
FRED MACRO REGIME CORRELATION COMPARISON PEARSON r
CARE // BETA —
FBIZ // BETA —