` Comparison: CARE vs HLAN - Alpha Spread
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CARE
vs
HLAN

Over the past 12 months, CARE has significantly outperformed HLAN, delivering a return of +44% compared to the HLAN's 2% drop.

Valuation Growth Profitability Solvency Stocks Performance
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CARE
HLAN
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Stocks Compared:
CARE HLAN
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Valuation Comparison

CARE Intrinsic Value
31.46 USD
Undervaluation 26%
Intrinsic Value
Price $23.32
HLAN Intrinsic Value
Not Available
Company Last Price Intrinsic Value DCF Value Multiples-Based Value Wall St Target
Carter Bank and Trust
NASDAQ:CARE
23.32 USD
Heartland Banccorp
OTC:HLAN
18 700 USD
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Valuation Scenario:
Bear Case
Base Case
Bull Case

Growth Comparison

Growth Over Time
CARE, HLAN

CARE
HLAN
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Revenue
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Company LTM Historical Growth Growth Streak % Positive Years Max Drawdown Volatility Forecasted Growth
3 Years 5 Years 10 Years 1 Year 3 Years
Carter Bank and Trust
Revenue
Heartland Banccorp
Revenue

All metrics are calculated based on data from the last 10 years.

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Profitability Comparison

Free Cash Flow
CARE, HLAN

CARE
HLAN
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Free Cash Flow
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Company LTM Average Historical Growth FCF Margin Conversion
3 Years 5 Years 3 Years 5 Years 10 Years
Carter Bank and Trust
NASDAQ:CARE
FCF is not applicable for financial companies
Heartland Banccorp
OTC:HLAN
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What is Free Cash Flow?

Gross Margin

CARE
HLAN
0%
LTM 3Y Avg 5Y Avg 10Y Avg
Carter Bank and Trust
Not applicable for financial companies
Heartland Banccorp

Operating Margin

CARE
HLAN
0%
LTM 3Y Avg 5Y Avg 10Y Avg
Carter Bank and Trust
Not applicable for financial companies
Heartland Banccorp

Net Margin

CARE
20.2%
HLAN
0%

FCF Margin

CARE
HLAN
0%
LTM 3Y Avg 5Y Avg 10Y Avg
Carter Bank and Trust
Not applicable for financial companies
Heartland Banccorp

ROE

CARE
7.7%
HLAN
0%

ROA

CARE
0.7%
HLAN
0%

ROIC

CARE
HLAN
0%
LTM 3Y Avg 5Y Avg 10Y Avg
Carter Bank and Trust
Not applicable for financial companies
Heartland Banccorp

ROCE

CARE
HLAN
0%
LTM 3Y Avg 5Y Avg 10Y Avg
Carter Bank and Trust
Not applicable for financial companies
Heartland Banccorp

Solvency Comparison

Carter Bank and Trust
Equity Waterfall
Assets
Liabilities
Equity
What is Equity Waterfall?
Heartland Banccorp
Equity Waterfall
Assets
Liabilities
Equity
What is Equity Waterfall?
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Balance Sheet Comparison
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Stocks Performance

Stocks Performance
CARE, HLAN

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HLAN
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1Y 3Y 5Y 10Y 15Y 20Y
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Performance Gap
CARE, HLAN

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CARE
HLAN
Difference
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1Y 3Y 5Y 10Y 15Y 20Y

Performance By Year
CARE, HLAN

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HLAN
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Compare CARE to other stocks
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vs CARE
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