Carolina Financial Corp. Company Profile (NASDAQ:CARO)

About Carolina Financial Corp.

Carolina Financial Corporation is a bank holding company. The Company operates through CresCom Bank, a South Carolina state-chartered bank (the Bank). The Company operates through three segments: community banking, wholesale mortgage banking (mortgage banking) and other. The Company's community banking segment provides traditional banking services offered through CresCom Bank. The mortgage banking segment provides wholesale mortgage loan origination and servicing offered through Crescent Mortgage Company. The other segment provides managerial and operational support to the other business segments through Carolina Services and Carolina Financial. CresCom Bank provides a range of commercial and retail banking financial services to meet the financial needs of its customers through its branch network in South Carolina and North Carolina. It provides commercial and residential real estate mortgage loans, real estate construction loans, commercial and industrial loans, and consumer loans.

Industry, Sector and Symbol:

Sector: Finance
Industry: Regional - Mid-Atlantic Banks
Sub-Industry: N/A
Exchange: NASDAQ
Symbol: CARO
CUSIP:

Key Metrics:

Previous Close: $22.16
50 Day Moving Average: $21.43
200 Day Moving Average: $19.10
52-Week Range: $14.49 - $22.59
Trailing P/E Ratio: 17.43
Foreward P/E Ratio: 14.75
P/E Growth: 0.00
Market Cap: $272.65M
Outstanding Shares: 12,326,000
Beta: 0.38

Profitability:

Net Margins: 17.32%
Return on Equity: 12.02%
Return on Assets: 1.12%

Debt:

Debt-to-Equity Ratio: 0.44%
Current Ratio: 0.83%
Quick Ratio: 0.81%

Additional Links:

Companies Related to Carolina Financial Corp.:

Consensus Ratings for Carolina Financial Corp. (NASDAQ:CARO) (?)

Ratings Breakdown:	2 Hold Ratings, 1 Buy Rating
Consensus Rating:	Hold (Score: 2.33)
Consensus Price Target:	$21.75 (1.67% downside)

Analysts' Ratings History for Carolina Financial Corp. (NASDAQ:CARO)

Show:

Date	Firm	Action	Rating	Price Target
9/14/2016	Sandler O'Neill	Initiated Coverage	Hold
9/9/2016	Stephens	Initiated Coverage	Equal Weight	$22.50
4/7/2016	Raymond James Financial Inc.	Downgrade	Strong-Buy -> Outperform
7/21/2015	Keefe, Bruyette & Woods	Boost Price Target	Outperform	$18.00 -> $19.00

(Data available from 9/25/2014 forward)

Earnings History for Carolina Financial Corp. (NASDAQ:CARO)

Date	Quarter	Consensus Estimate	Actual EPS	Revenue Estimate	Release Link	Conference Call
10/19/2016
7/29/2016	Q216	$0.36	$0.24	$19.44 million	View	N/A
4/22/2016		$0.28	$0.30		View	N/A
1/22/2016	Q415	$0.35	$0.36		View	N/A
10/21/2015		$0.38	$0.40		View	N/A

(Data available from 1/1/2011 forward)

Earnings Estimates for Carolina Financial Corp. (NASDAQ:CARO)

Current Year EPS Consensus Estimate: $1.4 EPS
Next Year EPS Consensus Estimate: $1.5 EPS

Quarter	Number of Estimates	Low Estimate	High Estimate	Average Estimate
Q1 2016	1	$0.30	$0.30	$0.30
Q2 2016	1	$0.32	$0.32	$0.32
Q3 2016	1	$0.33	$0.33	$0.33
Q4 2016	1	$0.33	$0.33	$0.33

(Data provided by Zacks Investment Research)

Current Dividend Information for Carolina Financial Corp. (NASDAQ:CARO)

Annual Dividend:	$0.12
Dividend Yield:	0.54%
Payout Ratio:	9.30% (Based on Trailing 12 Months of Earnings) 8.57% (Based on Current Year Consensus EPS Estimate) 8.00% (Based on Next Year Consensus EPS Estimate)

Dividend History for Carolina Financial Corp. (NASDAQ:CARO)

Announced	Period	Amount	Yield	Ex-Dividend Date	Record Date	Payable Date
8/24/2016	quarterly	$0.03	0.57%	9/27/2016	9/29/2016	10/14/2016
5/9/2016	quarterly	$0.03	0.63%	6/20/2016	6/22/2016	7/11/2016
1/25/2016	quarterly	$0.03	0.74%	3/16/2016	3/18/2016	4/8/2016
10/26/2015	quarterly	$0.03	0.82%	12/16/2015	12/18/2015	1/7/2016
7/28/2015	quarterly	$0.03	0.71%	9/16/2015	9/18/2015	10/7/2015
5/6/2015	quarterly	$0.03	0.86%	6/22/2015	6/24/2015	7/10/2015
1/26/2015	quarterly	$0.03	0.86%	3/16/2015	3/18/2015	4/8/2015
10/17/2014	quarterly	$0.03	0.45%	12/16/2014	12/18/2014	1/8/2015
7/18/2014	quarterly	$0.05	0.89%	9/15/2014	9/17/2014	10/8/2014

(Data available from 1/1/2013 forward)

Insider Trading History for Carolina Financial Corp. (NASDAQ:CARO)

Insider Ownership Percentage: 15.50%
Institutional Ownership Percentage: 25.77%

Transaction Date	Insider Name	Title	Buy/Sell	Number of Shares	Average Share Price	Total Transaction
8/10/2016	Michael P Leddy	Director	Sell	10,000	$20.19	$201,900.00
6/16/2016	Daniel H Isaac Jr	Director	Buy	11,400	$17.59	$200,526.00
2/12/2016	Jeffery L. Deal	Director	Sell	500	$15.85	$7,925.00
2/11/2016	Jeffery L. Deal	Director	Sell	1,500	$15.59	$23,385.00
1/21/2016	William A. Gehman III	CFO	Sell	285	$16.31	$4,648.35
1/20/2016	M. J. Huggins III	EVP	Sell	305	$16.56	$5,050.80
11/5/2015	Michael P Leddy	Director	Sell	20,397	$14.80	$301,875.60
5/22/2015	Thompson E Penney	Director	Buy	1,800	$13.99	$25,182.00
5/18/2015	William A Gehman III	CFO	Buy	2,638	$14.17	$37,380.46
4/30/2015	Jeffery L Deal	Director	Buy	1,000	$14.10	$14,100.00
8/25/2014	Benedict P Rosen	Director	Buy	1,115	$25.00	$27,875.00
8/21/2014	W. Scott Brandon	Director	Buy	1,685	$25.00	$42,125.00
8/18/2014	W. Scott Brandon	Director	Buy	2,300	$24.72	$56,856.00
8/15/2014	William A Gehman III	CFO	Buy	1,000	$25.50	$25,500.00
8/11/2014	W. Scott Brandon	Director	Buy	4,338	$24.89	$107,972.82
5/1/2014	Jerry L Rexroad	CEO	Buy	1,500	$20.35	$30,525.00
4/28/2014	William A Gehman III	CFO	Buy	5,500	$20.48	$112,640.00

(Data available from 1/1/2013 forward)

Latest Headlines for Carolina Financial Corp. (NASDAQ:CARO)

Date	Headline
	Reminder - Carolina Financial (CARO) Goes Ex-Dividend Soon (NASDAQ:CARO) www.thestreet.com - September 23 at 3:30 PM
	Five things to know today, and a new restaurant in Sewickley (NASDAQ:CARO) www.bizjournals.com - September 23 at 9:13 AM
	Charlotte, N.C. in state of emergency after second night of violence (NASDAQ:CARO) www.reuters.com - September 22 at 9:44 AM
	EPS Predictions Review: Capital One Financial Corporation (NYSE:COF) (NASDAQ:CARO) thelakeandeswave.com - September 21 at 4:45 PM
	ETF’s with exposure to Carolina Financial Corp. : September 19, 2016 (NASDAQ:CARO) www.capitalcube.com - September 19 at 4:53 PM
	Blue Cross pays the price (NASDAQ:CARO) www.newsobserver.com - September 19 at 8:50 AM
	North Carolina levies record fine against BCBS over IT fiasco (NASDAQ:CARO) www.healthcaredive.com - September 19 at 8:50 AM
	Carolina Premier Bank adds director of SBA lending position (NASDAQ:CARO) www.bizjournals.com - September 18 at 8:47 AM
	CEO scammed South Carolina of $1.2 million in economic development funds, feds allege (NASDAQ:CARO) www.postandcourier.com - September 15 at 9:33 PM
	CresCom Bank’s Meeting Street Branch Welcomes Steve Majewski as Vice President and Commercial Loan O (NASDAQ:CARO) www.publicnow.com - September 15 at 12:35 PM
	Capital One Financial Corp. (COF) Upgraded by Citigroup Inc. to Neutral (NASDAQ:CARO) huntnews.in - September 14 at 4:04 PM
	Buyer Beware: Liberty Property Trust's Dividend Is At Risk (NASDAQ:CARO) seekingalpha.com - September 14 at 8:18 AM
	CS Carolina Expands Its Burlington, North Carolina, Manufacturing Center (NASDAQ:CARO) www.areadevelopment.com - September 14 at 8:18 AM
	South Carolina utility to build solar farm in Jasper County (NASDAQ:CARO) www.postandcourier.com - September 14 at 8:18 AM
	Carolina Financial : CresCom Bank’s Southport Branch Welcomes Ronald Barnes as Newest Mortgage Loan Originator (NASDAQ:CARO) www.4-traders.com - September 14 at 8:18 AM
	CresCom Bank’s Southport Branch Welcomes Ronald Barnes as Newest Mortgage Loan Originator (NASDAQ:CARO) www.publicnow.com - September 14 at 8:18 AM
	Does "shadow insurance" lead to dangerous debt deals? (NASDAQ:CARO) www.cbsnews.com - September 13 at 8:55 AM
	David Worrell of Fuse Financial Elected to Carolinas Virginia Business Brokers Association (NASDAQ:CARO) www.abnewswire.com - September 9 at 3:59 PM
	South Carolina banks on whole earning less in 2016 (NASDAQ:CARO) www.postandcourier.com - September 4 at 3:51 PM
	ZIM Announces Postponement of Furnishment of Second Quarter of 2016 Financial Statements. South Carolina SC (NASDAQ:CARO) www.southcarolinasc.com - September 1 at 4:01 PM
	Digital Turbine replaces CFO with ex-Dell executive (NASDAQ:CARO) www.bizjournals.com - September 1 at 12:32 PM
	NetDragon Announces 2016 Second Quarter and Interim Financial Results. South Carolina SC (NASDAQ:CARO) www.southcarolinasc.com - August 31 at 8:52 AM
	Yokohama Tire Corporation Selects North Carolina for Technical Development Center, Creating 56 Jobs (NASDAQ:CARO) www.wcti12.com - August 30 at 11:55 AM
	KongZhong Corporation Reports Second Quarter 2016 Unaudited Monetary Outcomes. South Carolina SC (NASDAQ:CARO) www.southcarolinasc.com - August 30 at 11:55 AM
	Cardinal Financial Launches New Brand (NASDAQ:CARO) www.marketingdive.com - August 27 at 9:06 AM
	Yadkin’s buyer sets its N.C. banking team (NASDAQ:CARO) www.journalnow.com - August 26 at 12:09 PM
	South Carolina Aerospace industry trends toward sustainable growth (NASDAQ:CARO) www.financial-news.co.uk - August 25 at 9:30 PM
	South Carolina bank picks Raleigh for North Carolina debut (NASDAQ:CARO) www.bizjournals.com - August 24 at 12:18 PM
	Carolina Wholesale Group acquires Digitek Computer Products (NASDAQ:CARO) www.financial-news.co.uk - August 24 at 12:18 PM
	Financial Services Company Executive Sentenced to 15 Months for Obstruction of Justice (NASDAQ:CARO) www.pressreleasepoint.com - August 24 at 12:18 PM
	CresCom Bank Secures Top Honor From Bauer Financial With Five-Star Bank Ranking (NASDAQ:CARO) www.publicnow.com - August 23 at 9:18 PM
	CresCom Bank’s Litchfield’s Branch Welcomes Jackie Black as Branch Manager/Banking Officer (NASDAQ:CARO) www.publicnow.com - August 23 at 4:11 PM
	CresCom Bank Welcomes Jenson Kanavos as a Mortgage Loan Originator for Wilmington Market (NASDAQ:CARO) www.publicnow.com - August 23 at 4:11 PM
	Tuniu Announces Unaudited Second Quarter 2016 Monetary Outcomes. South Carolina SC (NASDAQ:CARO) www.southcarolinasc.com - August 23 at 8:13 AM
	CAROLINA FINANCIAL CORP : Other Events (form 8-K) (NASDAQ:CARO) www.4-traders.com - August 23 at 8:13 AM
	CAROLINA FINANCIAL CORP Files SEC form 8-K, Other Events (NASDAQ:CARO) biz.yahoo.com - August 23 at 8:13 AM
	Moleculin Appoints New Chief Financial Officer (NASDAQ:CARO) www.marketwired.com - August 22 at 8:51 AM
	Blue Bridge Financial Named to Business First Fast Track Awards for Second Consecutive Year (NASDAQ:CARO) finance.yahoo.com - August 22 at 8:51 AM
	China Finance Online Announces Settlement of Shareholder Lawsuit. South Carolina SC (NASDAQ:CARO) www.southcarolinasc.com - August 22 at 8:51 AM
	STATE OF SOUTH CAROLINA IN THE... (NASDAQ:CARO) classifieds.heraldonline.com - August 19 at 11:36 AM
	DEQ Appoints Libby Lamm as Chief Financial Officer and Treasurer. South Carolina SC (NASDAQ:CARO) www.southcarolinasc.com - August 19 at 11:36 AM
	CresCom Bank’s Cayce Branch Welcomes Elizabeth Dunham as Branch Manager/Assistant Vice President (NASDAQ:CARO) www.publicnow.com - August 19 at 11:36 AM
	ETF’s with exposure to Carolina Financial Corp. : August 18, 2016 (NASDAQ:CARO) www.capitalcube.com - August 18 at 8:44 PM
	Lowe’s profit misses estimates despite revenue boost from Rona acquisition (NASDAQ:CARO) business.financialpost.com - August 17 at 4:10 PM
	United Bankshares Said in Talks to Buy Cardinal Financial (1) (NASDAQ:CARO) washpost.bloomberg.com - August 17 at 4:10 PM
	Downtown Charleston office building sells for almost $12 million (NASDAQ:CARO) www.postandcourier.com - August 17 at 4:10 PM
	CAROLINA FINANCIAL CORP Financials (NASDAQ:CARO) finance.yahoo.com - August 17 at 4:10 PM
	AmeriTech Financial Launches AmeriTechFinancial.org and AmeriTechFinancial.info. South Carolina SC (NASDAQ:CARO) www.southcarolinasc.com - August 17 at 12:17 PM
	Ephrata National opens in Morgantown (NASDAQ:CARO) www.readingeagle.com - August 17 at 12:17 PM
	United Bankshares Said in Talks to Buy Cardinal Financial (NASDAQ:CARO) www.bloomberg.com - August 17 at 12:17 PM