Is CARE or CATY more undervalued in 2026?

CirclFi compares Carter Bankshares, Inc. (CARE) and Cathay General Bancorp (CATY) using 13 institutional-grade valuation models. CARE has a Quality of Company score of 10.0/10 while CATY scores 8.4/10.

Which is a better buy — CARE or CATY?

Compare intrinsic values from 13 independent models against current market prices. CirclFi also calculates Value Trap scores. This is not financial advice — conduct your own analysis.

How do CARE and CATY valuations compare?

CARE at $26.97 and CATY at $57.36 are compared across Bayesian DCF, EPV, EROIC Spread, First Chicago, Markov DDM, and 8 additional models.

CARE vs CATY Valuation Comparison 2026 — Intrinsic Value Analysis

CARE

Banks - Regional

Carter Bankshares, Inc.

Quality

10.0

out of 10

Value Trap

—

Price

$26.97

Last close

Models

11/13

Active

CATY

Banks - Regional

Cathay General Bancorp

Quality

8.4

out of 10

Value Trap

SAFE

Price

$57.36

Last close

Models

11/13

Active

Model-by-Model Comparison

Model	Type	CARE Fair Value	CARE Upside	CATY Fair Value	CATY Upside
Bayesian DCF	Intrinsic	$18.74	-30.5%	$23.07	-59.8%
Earnings Power Value	Intrinsic	$63.22	+134.4%	$38.38	-33.1%
EROIC Spread	Intrinsic	$•••.••	••.•%	$•••.••	••.•%
First Chicago	Scenario	$•••.••	••.•%	$•••.••	••.•%
Markov DDM	Intrinsic	$•••.••	••.•%	$•••.••	••.•%
ML-RIV	Intrinsic	$•••.••	••.•%	$•••.••	••.•%
Regime Cross-Sectional	Relative	$•••.••	••.•%	$•••.••	••.•%
Sentiment SOTP	Hybrid	$•••.••	••.•%	$•••.••	••.•%
CUCE Ensemble	Ensemble	$•••.••	••.•%	$•••.••	••.•%
FTNN Topology	Relative	$•••.••	••.•%	$•••.••	••.•%
RCMH-DCF	Intrinsic	$•••.••	••.•%	$•••.••	••.•%

🔒

Unlock Full 13-Model Comparison

Access all valuation models for CARE vs CATY — including EROIC Spread, First Chicago, Markov DDM, PWERM, and 7 more.

Access Full Analysis — From $27/mo →

CARE vs CATY — Which Stock Is More Undervalued?

CARE scores higher with a 10.0/10 quality rating vs CATY's 8.4/10. Both stocks are analyzed daily using SEC EDGAR filings across 13 independent models.

Comparing Carter Bankshares, Inc. (CARE) and Cathay General Bancorp (CATY) across 13 institutional-grade valuation models reveals how each company's intrinsic value stacks up against its market price. CirclFi's engine processes SEC EDGAR 10-K and 10-Q filings, FRED macroeconomic data, and GDELT news sentiment to generate independent fair value estimates daily.

CARE currently trades at $26.97 with a QOC of 10.0/10, while CATY trades at $57.36 with a QOC of 8.4/10.

Both companies are analyzed with models spanning intrinsic (Bayesian DCF, EPV), scenario-based (First Chicago), regime-switching (Markov DDM, RCMH-DCF), machine learning (ML-RIV, FTNN Topology), and ensemble methods (CUCE).