Accepts deposits into checking, savings, and money market accounts. Provides commercial loans to businesses. Now — the numbers.
That much dependence is a risk in itself: if this one line weakens, the whole company feels it directly.
This is an established company with proven profits.
Average growth of 13% a year over the last 4 years. Every year shown ended in profit.
The market pays 22.1× for every dollar of annual profit — around what a business like this usually costs.
Against companies in its own sector, it looks cheaper than 87% of them.
Analysts' average target sits 2% below today's price.
We compared this company with its own sector across five subjects.
A score of 50 means class average.
Profit power and business quality lead the class.
For a bank, strength is measured by capital buffers and reserves — not cash minus debt.
The price looks reasonable next to what the company earns.
Sales are growing strongly for its sector.
The stock has been running stronger than the market lately.
No real weak spot in any of the five subjects — a balanced report card.
The stock trades below its recent peak — about 13% off the top. A pullback, not a collapse.
Over the last 4 years, sales grew about 13% a year on average.
Over the last 12 months, company executives reported 32 buys and 23 sells. Management buying with its own money is usually read as a good sign.
It pays out $0.20 per share each year — regular cash for whoever holds the stock.
Our checks did not surface a specific risk to flag here. That is not the same as there being none.
On our five-subject report card, CARE sits near the top of the class. A high grade doesn’t mean “guaranteed win” — it means “the evidence looks strong for now.”
The takeaway: CARE is an established business that has proven its profits for years. The real debate here isn’t the price — it’s whether the company can keep up this pace.
The total grade weighs these five subjects against the sector — it isn’t a simple average of the five.