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Also traded in: Germany

GuruFocus Financial Strength Rank measures how strong a company’s financial situation is. It is based on these factors

1. The debt burden that the company has as measured by its Interest coverage (current year).
2. Debt to revenue ratio. The lower, the better
3. Altman Z-score.

A company ranks high with financial strength is likely to withstand any business slowdowns and recessions.

Financial Strength : 3/10

vs
industry
vs
history
Cash-to-Debt 0.21
CARO's Cash-to-Debt is ranked lower than
83% of the 1374 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.22 vs. CARO: 0.21 )
Ranked among companies with meaningful Cash-to-Debt only.
CARO' s Cash-to-Debt Range Over the Past 10 Years
Min: 0.1  Med: 0.19 Max: 0.46
Current: 0.21
0.1
0.46
Equity-to-Asset 0.15
CARO's Equity-to-Asset is ranked higher than
83% of the 1386 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.11 vs. CARO: 0.15 )
Ranked among companies with meaningful Equity-to-Asset only.
CARO' s Equity-to-Asset Range Over the Past 10 Years
Min: 0.08  Med: 0.1 Max: 0.15
Current: 0.15
0.08
0.15
Debt-to-Equity 0.73
CARO's Debt-to-Equity is ranked lower than
54% of the 1222 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.72 vs. CARO: 0.73 )
Ranked among companies with meaningful Debt-to-Equity only.
CARO' s Debt-to-Equity Range Over the Past 10 Years
Min: 0.73  Med: 1.07 Max: 2.02
Current: 0.73
0.73
2.02
Debt-to-EBITDA 2.65
CARO's Debt-to-EBITDA is ranked lower than
62% of the 1236 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.99 vs. CARO: 2.65 )
Ranked among companies with meaningful Debt-to-EBITDA only.
CARO' s Debt-to-EBITDA Range Over the Past 10 Years
Min: 0  Med: 0 Max: 2.65
Current: 2.65
0
2.65
Beneish M-Score: -1.84
GuruFocus Profitability Rank ranks how profitable a company is and how likely the company’s business will stay that way. It is based on these factors:

1. Operating Margin
2. Trend of the Operating Margin (5-year average). The company with an uptrend profit margin has a higher rank.
••3. Consistency of the profitability
4. Piotroski F-Score
5. Predictability Rank•

The maximum rank is 10. A rank of 7 or higher means a higher profitability and may stay that way. A rank of 3 or lower indicates that the company has had trouble to make a profit.

Profitability Rank is not directly related to the Financial Strength Rank. But if a company is consistently profitable, its financial strength will be stronger.

Profitability & Growth : 2/10

vs
industry
vs
history
Net Margin % 22.02
CARO's Net Margin % is ranked lower than
54% of the 1390 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 23.34 vs. CARO: 22.02 )
Ranked among companies with meaningful Net Margin % only.
CARO' s Net Margin % Range Over the Past 10 Years
Min: 15.6  Med: 21.09 Max: 24.68
Current: 22.02
15.6
24.68
ROE % 8.04
CARO's ROE % is ranked lower than
55% of the 1390 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.73 vs. CARO: 8.04 )
Ranked among companies with meaningful ROE % only.
CARO' s ROE % Range Over the Past 10 Years
Min: 8.04  Med: 11.6 Max: 20.45
Current: 8.04
8.04
20.45
ROA % 1.10
CARO's ROA % is ranked higher than
64% of the 1396 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.90 vs. CARO: 1.10 )
Ranked among companies with meaningful ROA % only.
CARO' s ROA % Range Over the Past 10 Years
Min: 0.8  Med: 1.11 Max: 1.91
Current: 1.1
0.8
1.91
3-Year Revenue Growth Rate 7.70
CARO's 3-Year Revenue Growth Rate is ranked higher than
66% of the 1293 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 4.30 vs. CARO: 7.70 )
Ranked among companies with meaningful 3-Year Revenue Growth Rate only.
CARO' s 3-Year Revenue Growth Rate Range Over the Past 10 Years
Min: -3.5  Med: 2.1 Max: 7.7
Current: 7.7
-3.5
7.7
3-Year EPS without NRI Growth Rate 25.80
CARO's 3-Year EPS without NRI Growth Rate is ranked higher than
87% of the 1163 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 4.80 vs. CARO: 25.80 )
Ranked among companies with meaningful 3-Year EPS without NRI Growth Rate only.
CARO' s 3-Year EPS without NRI Growth Rate Range Over the Past 10 Years
Min: -7  Med: 9.4 Max: 25.8
Current: 25.8
-7
25.8
GuruFocus has detected 2 Warning Signs with Carolina Financial Corp CARO.
More than 500,000 people have already joined GuruFocus to track the stocks they follow and exchange investment ideas.
» CARO's 30-Y Financials

Financials (Next Earnings Date: 2018-10-19 Est.)


Revenue & Net Income
Equity & Asset
Operating Cash Flow & Free Cash Flow
Operating Cash Flow & Net Income

» Details

Guru Trades

Q3 2017

CARO Guru Trades in Q3 2017

Jim Simons 303,200 sh (+17.38%)
» More
Q4 2017

CARO Guru Trades in Q4 2017

Private Capital 10,996 sh (New)
HOTCHKIS & WILEY 44,600 sh (New)
Jim Simons 343,616 sh (+13.33%)
» More
Q1 2018

CARO Guru Trades in Q1 2018

Jim Simons 422,773 sh (+23.04%)
HOTCHKIS & WILEY 44,655 sh (+0.12%)
Private Capital 10,325 sh (-6.10%)
» More
Q2 2018

CARO Guru Trades in Q2 2018

Jim Simons 486,487 sh (+15.07%)
Private Capital Sold Out
HOTCHKIS & WILEY 20,978 sh (-53.02%)
» More
» Details

Insider Trades

Latest Guru Trades with CARO

(List those with share number changes of more than 20%, or impact to portfolio more than 0.1%)

GuruDate Trades Impact to Portfolio Price Range * (?) Current Price Change from Average Current Shares
HOTCHKIS & WILEY 2018-06-30 Reduce -53.02%0.01%$38.77 - $45.28 $ 39.67-4%20,978
Private Capital 2018-06-30 Sold Out 0.06%$38.77 - $45.28 $ 39.67-4%0
HOTCHKIS & WILEY 2018-03-31 Add 0.12%$37.05 - $41.9 $ 39.670%44,655
Private Capital 2018-03-31 Reduce -6.10%$37.05 - $41.9 $ 39.670%10,325
HOTCHKIS & WILEY 2017-12-31 New Buy0.01%$35.39 - $39.33 $ 39.677%44,600
Private Capital 2017-12-31 New Buy0.07%$35.39 - $39.33 $ 39.677%10,996
Premium More recent guru trades are included for Premium Members only!!
Premium More recent guru trades are included for USA Subscribe Members only!!
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Business Description

Industry: Banks » Banks - Regional - US    NAICS: 522110    SIC: 6029
Compare:NAS:TRST, NAS:UVSP, NAS:GBNK, NAS:GNBC, NAS:COBZ, NAS:CTBI, NAS:SYBT, NAS:CNOB, NAS:TCBK, NYSE:CPF, NAS:NFBK, NAS:GABC, NAS:NCOM, NAS:HAFC, NAS:GSBC, NAS:RBCAA, NAS:BMTC, NAS:MSBI, NAS:HBNC, NYSE:CUBI » details
Traded in other countries:95C.Germany,
Headquarter Location:USA
Carolina Financial Corp is a US-based bank holding company. The bank's operating segment includes Community banking, mortgage banking and other. Generating, a majority of its revenue from the Community banking segment.

Carolina Financial Corp is a US-based bank holding company. It offers a variety of traditional community banking services to individuals and businesses. Its operating segment includes Community banking, mortgage banking and other. Generating, a majority of its revenue from the Community banking segment. The company's product line includes loans to small and medium-sized businesses, residential and commercial construction and development loans, commercial real estate loans, residential mortgage loans, residential lot loans, home equity loans, consumer loans and a variety of commercial and consumer demand, savings and time deposit products.

Top Ranked Articles about Carolina Financial Corp

Carolina Financial Corporation Board of Directors Approves Increase in Quarterly Cash Dividend
Carolina Financial Corporation Announces Second Quarter 2018 Earnings Release and Conference Call
Carolina Financial Corporation Announces Commencement of Common Stock Offering
Research Report Identifies Carolina Financial, Dicerna Pharmaceuticals, On Assignment, Digimarc, CIRCOR International, and Nordson with Renewed Outlook — Fundamental Analysis, Calculating Forward Movement
Carolina Financial Corporation Announces First Quarter 2018 Earnings Release and Conference Call
Report: Exploring Fundamental Drivers Behind Goldfield, Dicerna Pharmaceuticals, Deciphera Pharmaceuticals, WesBanco, Carolina Financial, and TriState Capital — New Horizons, Emerging Trends, and Upcoming Developments
Carolina Financial Corporation Clarifies Record Date for First Quarter Dividend
Factors of Influence in 2018, Key Indicators and Opportunity within Wright Medical Group N.V, NBT, Carolina Financial, Cohu, ProAssurance, and At Home Group — New Research Emphasizes Economic Growth
Carolina Financial Corporation and First South Bancorp, Inc. Receive Stockholder and Regulatory Approvals for Merger
Carolina Financial Corporation and First South Bancorp, Inc. Receive Stockholder and Regulatory Approvals for Merger

Ratios

vs
industry
vs
history
PE Ratio 24.16
CARO's PE Ratio is ranked lower than
83% of the 1278 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.76 vs. CARO: 24.16 )
Ranked among companies with meaningful PE Ratio only.
CARO' s PE Ratio Range Over the Past 10 Years
Min: 3.59  Med: 13.77 Max: 28.16
Current: 24.16
3.59
28.16
Forward PE Ratio 12.97
CARO's Forward PE Ratio is ranked lower than
67% of the 464 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.40 vs. CARO: 12.97 )
Ranked among companies with meaningful Forward PE Ratio only.
N/A
PE Ratio without NRI 24.16
CARO's PE Ratio without NRI is ranked lower than
83% of the 1278 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.76 vs. CARO: 24.16 )
Ranked among companies with meaningful PE Ratio without NRI only.
CARO' s PE Ratio without NRI Range Over the Past 10 Years
Min: 3.59  Med: 13.77 Max: 28.16
Current: 24.16
3.59
28.16
Price-to-Owner-Earnings 57.69
CARO's Price-to-Owner-Earnings is ranked lower than
98% of the 813 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 15.15 vs. CARO: 57.69 )
Ranked among companies with meaningful Price-to-Owner-Earnings only.
CARO' s Price-to-Owner-Earnings Range Over the Past 10 Years
Min: 56.06  Med: 65.48 Max: 334.38
Current: 57.69
56.06
334.38
PB Ratio 1.52
CARO's PB Ratio is ranked lower than
71% of the 1383 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.24 vs. CARO: 1.52 )
Ranked among companies with meaningful PB Ratio only.
CARO' s PB Ratio Range Over the Past 10 Years
Min: 0.74  Med: 1.53 Max: 2.38
Current: 1.52
0.74
2.38
PS Ratio 5.26
CARO's PS Ratio is ranked lower than
85% of the 1373 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.41 vs. CARO: 5.26 )
Ranked among companies with meaningful PS Ratio only.
CARO' s PS Ratio Range Over the Past 10 Years
Min: 0.84  Med: 2.56 Max: 6.13
Current: 5.26
0.84
6.13
Price-to-Free-Cash-Flow 67.46
CARO's Price-to-Free-Cash-Flow is ranked lower than
99.99% of the 754 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.61 vs. CARO: 67.46 )
Ranked among companies with meaningful Price-to-Free-Cash-Flow only.
CARO' s Price-to-Free-Cash-Flow Range Over the Past 10 Years
Min: 0.47  Med: 14.24 Max: 111.74
Current: 67.46
0.47
111.74
Price-to-Operating-Cash-Flow 42.37
CARO's Price-to-Operating-Cash-Flow is ranked lower than
99% of the 803 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.07 vs. CARO: 42.37 )
Ranked among companies with meaningful Price-to-Operating-Cash-Flow only.
CARO' s Price-to-Operating-Cash-Flow Range Over the Past 10 Years
Min: 0.46  Med: 13.21 Max: 254.76
Current: 42.37
0.46
254.76
EV-to-Revenue 8.03
CARO's EV-to-Revenue is ranked lower than
81% of the 1151 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 4.50 vs. CARO: 8.03 )
Ranked among companies with meaningful EV-to-Revenue only.
CARO' s EV-to-Revenue Range Over the Past 10 Years
Min: 1.5  Med: 5 Max: 10.4
Current: 8.03
1.5
10.4

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield % 0.59
CARO's Dividend Yield % is ranked lower than
96% of the 2530 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.60 vs. CARO: 0.59 )
Ranked among companies with meaningful Dividend Yield % only.
CARO' s Dividend Yield % Range Over the Past 10 Years
Min: 0.24  Med: 0.53 Max: 0.85
Current: 0.59
0.24
0.85
Dividend Payout Ratio 0.12
CARO's Dividend Payout Ratio is ranked higher than
90% of the 1372 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.34 vs. CARO: 0.12 )
Ranked among companies with meaningful Dividend Payout Ratio only.
CARO' s Dividend Payout Ratio Range Over the Past 10 Years
Min: 0.01  Med: 0.09 Max: 0.12
Current: 0.12
0.01
0.12
3-Year Dividend Growth Rate 24.50
CARO's 3-Year Dividend Growth Rate is ranked higher than
84% of the 790 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.20 vs. CARO: 24.50 )
Ranked among companies with meaningful 3-Year Dividend Growth Rate only.
CARO' s 3-Year Dividend Growth Rate Range Over the Past 10 Years
Min: 24.5  Med: 54.05 Max: 83.6
Current: 24.5
24.5
83.6
Forward Dividend Yield % 0.72
CARO's Forward Dividend Yield % is ranked lower than
96% of the 2459 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.93 vs. CARO: 0.72 )
Ranked among companies with meaningful Forward Dividend Yield % only.
N/A
5-Year Yield-on-Cost % 0.49
CARO's 5-Year Yield-on-Cost % is ranked lower than
96% of the 2507 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.30 vs. CARO: 0.49 )
Ranked among companies with meaningful 5-Year Yield-on-Cost % only.
CARO' s 5-Year Yield-on-Cost % Range Over the Past 10 Years
Min: 0.24  Med: 0.53 Max: 0.85
Current: 0.49
0.24
0.85
3-Year Average Share Buyback Ratio -29.30
CARO's 3-Year Average Share Buyback Ratio is ranked lower than
93% of the 975 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -2.40 vs. CARO: -29.30 )
Ranked among companies with meaningful 3-Year Average Share Buyback Ratio only.
CARO' s 3-Year Average Share Buyback Ratio Range Over the Past 10 Years
Min: -29.3  Med: -19.5 Max: -9.7
Current: -29.3
-29.3
-9.7

Valuation & Return

vs
industry
vs
history
Price-to-Tangible-Book 2.18
CARO's Price-to-Tangible-Book is ranked lower than
82% of the 1370 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.33 vs. CARO: 2.18 )
Ranked among companies with meaningful Price-to-Tangible-Book only.
CARO' s Price-to-Tangible-Book Range Over the Past 10 Years
Min: 0.87  Med: 1.74 Max: 2.76
Current: 2.18
0.87
2.76
Price-to-Median-PS-Value 2.05
CARO's Price-to-Median-PS-Value is ranked lower than
95% of the 1305 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.11 vs. CARO: 2.05 )
Ranked among companies with meaningful Price-to-Median-PS-Value only.
CARO' s Price-to-Median-PS-Value Range Over the Past 10 Years
Min: 0.34  Med: 1.02 Max: 2.22
Current: 2.05
0.34
2.22
Price-to-Graham-Number 1.53
CARO's Price-to-Graham-Number is ranked lower than
93% of the 1212 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.01 vs. CARO: 1.53 )
Ranked among companies with meaningful Price-to-Graham-Number only.
CARO' s Price-to-Graham-Number Range Over the Past 10 Years
Min: 0.53  Med: 1.03 Max: 1.76
Current: 1.53
0.53
1.76

More Statistics

Revenue (TTM) (Mil) $151.46
EPS (TTM) $ 1.64
Beta0.47
Volatility19.37%
52-Week Range $31.60 - 45.58
Shares Outstanding (Mil)22.61

Analyst Estimate

Dec18 Dec19
Revenue (Mil $) 179 192
EBIT (Mil $)
EBITDA (Mil $)
EPS ($) 2.31 3.02
EPS without NRI ($) 2.31 3.02
EPS Growth Rate
(Future 3Y To 5Y Estimate)
N/A
Dividends per Share ($) 0.26 0.39

Piotroski F-Score Details

Piotroski F-Score: ----
Positive ROAN
Positive CFROAN
Higher ROA yoyN
CFROA > ROAN
Lower Leverage yoyN
Higher Current Ratio yoyN
Less Shares Outstanding yoyN
Higher Gross Margin yoyN
Higher Asset Turnover yoyN

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