Carter Bankshares (CARE) vs Financial Institutions (FISI)
Head-to-head comparison of performance, valuation, growth, profitability and dividends. Prices delayed 15 minutes; data as of Oct 10, 2026.
Summary
Carter Bankshares (CARE) has outperformed Financial Institutions (FISI) over the past year, gaining 56.1% versus a gain of 41.9%. Over five years, CARE leads with a +105.9% price change compared with +21.6% for FISI. Financial Institutions is the larger company by market cap ($757.7 million vs $698.6 million), about 1.1 times the size.
On valuation, Financial Institutions trades at a lower forward P/E (8.9x vs 11.6x for Carter Bankshares). Financial Institutions offers the higher dividend yield (3.28% 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 | CARE | FISI |
|---|---|---|
| Share price | $30.16 | $38.45 |
| Market cap | $698.62M | $757.71M |
| 1-day change | -1.02% | -1.54% |
| YTD return | +53.41% | +23.36% |
| 1-year return | +56.11% | +41.93% |
| 5-year return | +105.87% | +21.56% |
| P/E ratio (TTM) | 5.25 | 9.54 |
| Forward P/E | 11.60 | 8.94 |
| EPS (TTM) | $5.74 | $4.03 |
| Dividend yield | 0.33% | 3.28% |
| Annual dividend | $0.10 | $1.26 |
| 52-week high | $36.06 | $42.97 |
| 52-week low | $16.78 | $25.61 |
| Distance from 52-week high | -16.36% | -10.52% |
| Analyst consensus | none | buy |
| Avg. price target upside | +16.31% | +17.04% |
| Average volume | 323.18K | 144.57K |
| Shares outstanding | 23.16M | 19.71M |
| Employees | 687 | 631 |
| Sector | Finance | Finance |
| Industry | Major Banks | Major Banks |
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 FISI by 14.2 percentage points over the past year.
- Financial Institutions trades at a higher earnings multiple (9.5x vs 5.3x trailing P/E).
- Financial Institutions offers a meaningfully higher dividend yield (3.28% vs 0.33%).
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.
Finance · Major Banks · 687 employees
About Financial Institutions
FISI stock →Financial Institutions, Inc., through its subsidiaries, provides banking and financial services to consumer, commercial, and municipal customers in New York. The company provides checking and savings account programs, including money market accounts, certificates of deposit, sweep investments, and individual retirement and other qualified plan accounts, as well as NOW accounts.
Finance · Major Banks · 631 employees
CARE vs FISI FAQ
Which is bigger, Carter Bankshares or Financial Institutions?
Financial Institutions (FISI) is larger, with a market capitalization of $757.71M compared with $698.62M for Carter Bankshares (CARE).
Which stock has performed better over the past year, CARE or FISI?
CARE returned +56.11% over the past 12 months, compared with +41.93% for FISI (price return, excluding dividends). Past performance does not predict future results.
Which has the lower P/E ratio, CARE or FISI?
CARE has the lower trailing P/E at 5.3, versus 9.5 for FISI. 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, Carter Bankshares or Financial Institutions?
Financial Institutions has the higher yield at 3.28%, compared with 0.33% for Carter Bankshares.
Are Carter Bankshares and Financial Institutions in the same industry?
Yes. Both are classified in the Major Banks industry within the Finance sector.