Arrow Financial (AROW) vs Carter Bankshares (CARE)
Head-to-head comparison of performance, valuation, growth, profitability and dividends. Prices delayed 15 minutes; data as of Oct 8, 2026.
Summary
Carter Bankshares (CARE) has outperformed Arrow Financial (AROW) over the past year, gaining 56.9% versus a gain of 35.6%. Over five years, CARE leads with a +108.0% price change compared with +6.2% for AROW. Carter Bankshares is the larger company by market cap ($705.8 million vs $685.9 million), about 1.0 times the size.
On valuation, Arrow Financial trades at a lower forward P/E (8.6x vs 11.7x for Carter Bankshares). Arrow Financial offers the higher dividend yield (3.19% vs 0.33%).
Summary generated from market data by MetaCap's automated system. Methodology
Relative performance
Percent change in share price from the first common trading day shown; excludes dividends.
Head-to-head
| Metric | AROW | CARE |
|---|---|---|
| Share price | $37.03 | $30.47 |
| Market cap | $685.93M | $705.80M |
| 1-day change | +1.17% | +0.93% |
| YTD return | +17.93% | +54.98% |
| 1-year return | +35.59% | +56.90% |
| 5-year return | +6.24% | +107.99% |
| P/E ratio (TTM) | 11.95 | 5.25 |
| Forward P/E | 8.60 | 11.72 |
| EPS (TTM) | $3.10 | $5.80 |
| Dividend yield | 3.19% | 0.33% |
| Annual dividend | $1.18 | $0.10 |
| 52-week high | $42.70 | $36.06 |
| 52-week low | $25.88 | $16.78 |
| Distance from 52-week high | -13.28% | -15.50% |
| Analyst consensus | none | none |
| Avg. price target upside | +17.47% | +15.13% |
| Average volume | 87.24K | 321.95K |
| Shares outstanding | 18.52M | 23.16M |
| Employees | 575 | 687 |
| Sector | Finance | Financial Services |
| Industry | Major Banks | Banks - Regional |
Highlighted cells mark the higher value for growth, returns, margins and yield, and the lower value for P/E ratios. Highlighting is a mechanical comparison, not a recommendation.
Key differences
- CARE has outperformed AROW by 21.3 percentage points over the past year.
- Arrow Financial trades at a higher earnings multiple (11.9x vs 5.3x trailing P/E).
- Arrow Financial offers a meaningfully higher dividend yield (3.19% vs 0.33%).
- The two companies sit in different sectors: Arrow Financial in Finance and Carter Bankshares in Financial Services.
About Arrow Financial
AROW stock →Arrow Financial Corporation, a bank holding company, provides various commercial and consumer banking, and financial products and services in the United States. The company's deposit products include demand deposits, interest-bearing checking accounts, savings deposits, time deposits, and other time deposits.
Finance · Major Banks · 575 employees
About Carter Bankshares
CARE stock →Carter Bankshares, Inc. operates as the bank holding company for Carter Bank & Trust that provides various retail and commercial banking products and insurance services in the United States.
Financial Services · Banks - Regional · 687 employees
AROW vs CARE FAQ
Which is bigger, Arrow Financial or Carter Bankshares?
Carter Bankshares (CARE) is larger, with a market capitalization of $705.80M compared with $685.93M for Arrow Financial (AROW).
Which stock has performed better over the past year, AROW or CARE?
CARE returned +56.90% over the past 12 months, compared with +35.59% for AROW (price return, excluding dividends). Past performance does not predict future results.
Which has the lower P/E ratio, AROW or CARE?
CARE has the lower trailing P/E at 5.3, versus 11.9 for AROW. A lower P/E is not by itself a sign of a better investment; it can reflect slower expected growth or higher risk.
Which pays a higher dividend, Arrow Financial or Carter Bankshares?
Arrow Financial has the higher yield at 3.19%, compared with 0.33% for Carter Bankshares.
Are Arrow Financial and Carter Bankshares in the same industry?
No. Arrow Financial is in the Finance sector, while Carter Bankshares is in Financial Services.