COMP <GO>

CARE vs RRBI // EV/EBITDA & P/E VALUATION

Carter Bankshares Inc. (NASDAQ) VS. Red River Bancshares Inc. (NASDAQ) • 15-METRIC TALLY: CARE 1 — RRBI 6

■ METRIC PARITY

LAST: $29.89 (-1.09%) • MKT CAP: $662.5M

valuation

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LAST: $102.10 (+0.69%) • MKT CAP: $672.2M

valuation

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15-METRIC INSTITUTIONAL SIDE-BY-SIDE SCORECARD (CARE VS. RRBI) EMERALD CELL = QUANTITATIVE EDGE

INSTITUTIONAL METRIC	CARE	RRBI	SPREAD (A - B)	ADVANTAGE	DEDICATED URL
Gross Profit Margin	—	—	—	TIE	/gross-margins <GO>
Return on Invested Capital (ROIC)	7.50%	11.70%	-4.20	RRBI	/roic <GO>
EV/EBITDA & P/E Valuation ACTIVE	—	—	—	TIE	/valuation <GO>
Free Cash Flow Yield	4.80%	6.28%	-1.48	RRBI	/fcf-yield <GO>
Operating Margin	—	—	—	TIE	/operating-margins <GO>
Net Profit Margin	68.00%	—	—	TIE	/net-margins <GO>
Revenue Growth (YoY)	4.60%	—	—	TIE	/revenue-growth <GO>
Dividend Yield & FCF Payout Safety	0.00%	0.53%	-0.53	RRBI	/dividend-safety <GO>
Altman Z-Score & Debt/Equity	—	—	—	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	34.5	56.7	-22.17	RRBI	/rsi-technicals <GO>
10Y Yield & FRED Macro Beta	—	—	—	TIE	/macro-sensitivity <GO>
Forward P/E Multiple	19.6x	14.6x	+5.00	RRBI	/forward-pe <GO>
Enterprise Scale & Market Cap	$662.5M	$672.2M	-$9.8M	RRBI	/market-cap <GO>

5-YEAR HISTORICAL XBRL REVENUE & MARGIN TRAJECTORY SEC FORM 10-K FY

FISCAL YEAR	CARE REV	RRBI REV	CARE GROSS %	RRBI GROSS %	CARE FCF	RRBI FCF
FY 2025	$20.3M	$0	—	—	$31.8M	$42.2M
FY 2024	$19.4M	$0	—	—	$28.8M	$33.4M
FY 2023	$17.3M	$0	—	—	$46.7M	$40.1M

FRED MACRO REGIME CORRELATION COMPARISON PEARSON r

CARE // BETA —

RRBI // BETA —