COMP <GO>
CARE vs MS // ALTMAN Z-SCORE & DEBT/EQUITY
Carter Bankshares Inc. (NASDAQ) VS. Morgan Stanley (NYSE) • 15-METRIC TALLY: CARE 4
— MS 5
■ METRIC PARITY
LAST: $29.00 (-2.98%) • MKT CAP: $662.5M
balance-sheet
—
LAST: $184.30 (-3.00%) • MKT CAP: $298.41B
balance-sheet
—
15-METRIC INSTITUTIONAL SIDE-BY-SIDE SCORECARD (CARE VS. MS)
EMERALD CELL = QUANTITATIVE EDGE
| INSTITUTIONAL METRIC | CARE | MS | SPREAD (A - B) | ADVANTAGE | DEDICATED URL |
|---|---|---|---|---|---|
| Gross Profit Margin | — | — | — | TIE | /gross-margins <GO> |
| Return on Invested Capital (ROIC) | 7.50% | 3.00% | +4.50 | CARE | /roic <GO> |
| EV/EBITDA & P/E Valuation | — | 31.0x | — | TIE | /valuation <GO> |
| Free Cash Flow Yield | 4.80% | -7.25% | +12.05 | CARE | /fcf-yield <GO> |
| Operating Margin | — | 24.60% | — | TIE | /operating-margins <GO> |
| Net Profit Margin | 68.00% | 20.20% | +47.80 | CARE | /net-margins <GO> |
| Revenue Growth (YoY) | 4.60% | 5.50% | -0.90 | MS | /revenue-growth <GO> |
| Dividend Yield & FCF Payout Safety | 0.00% | 2.21% | -2.21 | MS | /dividend-safety <GO> |
| Altman Z-Score & Debt/Equity ACTIVE | — | — | — | 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 | 45.8 | 51.0 | -5.20 | MS | /rsi-technicals <GO> |
| 10Y Yield & FRED Macro Beta | — | 1.04 | — | TIE | /macro-sensitivity <GO> |
| Forward P/E Multiple | 19.6x | 16.5x | +3.10 | MS | /forward-pe <GO> |
| Enterprise Scale & Market Cap | $662.5M | $298.41B | -$297.75B | MS | /market-cap <GO> |
5-YEAR HISTORICAL XBRL REVENUE & MARGIN TRAJECTORY SEC FORM 10-K FY
| FISCAL YEAR | CARE REV | MS REV | CARE GROSS % | MS GROSS % | CARE FCF | MS FCF |
|---|---|---|---|---|---|---|
| FY 2025 | $20.3M | $0 | — | — | $31.8M | -$17.89B |
| FY 2024 | $19.4M | $0 | — | — | $28.8M | $1.36B |
| FY 2023 | $17.3M | $0 | — | — | $46.7M | -$33.54B |
FRED MACRO REGIME CORRELATION COMPARISON PEARSON r
CARE // BETA —
MS // BETA 1.04