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Carter Bankshares Inc CARE

Carter Bankshares, Inc. is a bank holding company. The Company is the parent company of its wholly owned subsidiary, Carter Bank & Trust (the Bank). It provides a full range of commercial banking, consumer banking, mortgage, and services. The Bank offers a full range of deposit services including lifetime free checking, interest checking accounts, savings accounts, retirement accounts and other deposit accounts of various types, ranging from money market accounts to longer-term CDs. These products and services are available to its personal and business customers. It also offers a full range of commercial and consumer loans. Commercial loans include both secured and unsecured loans, real estate construction and acquisition loans, and commercial and industrial loans. It also provides safe deposit boxes, direct deposit of payroll and social security checks and debit cards. Online banking products include online account opening, bill pay, e-statements (paperless electronic statements).


NDAQ:CARE - Post by User

Post by retiredcfon May 05, 2021 10:58am
123 Views
Post# 33131812

TD Preview

TD Preview

Dialogue Health Technologies Inc.

(CARE-T) C$16.20

Q1/F21 Preview; Strong Growth Set to Continue

Event

Q1/F21 Results: Monday, May 10, 2021, after 5:00 p.m. ET.
Conference Call: Tuesday, May 11, 2021 @ 10:00 a.m. ET (register 
here). Impact: NEUTRAL

Surge in growth is expected to continue. We are forecasting Q1/F21 revenue of $14.3 million (up 295% y/y, up 6% q/q) and Adj. EBITDA of ($5.0) million, slightly below consensus at $14.5 million and ($4.6) million, respectively. The very strong y/y revenue growth is being driven by the sharp pickup in demand since the start of the pandemic (we estimate organic growth of +150% y/y) and the acquisition of Optima. We are expecting its Adj. EBITDA losses to narrow going forward, aided by continued strong revenue growth, improving gross margins (particularly as more Optima customers shift to the PMPM model), and the benefits of operating leverage inherent in its business model.

Among other things, we are looking to get an update on the pipeline, the ramp with its white-labelling partners Sun Life and Canada Life, the expected launch date of its iCBT offering, and its progress on cross-selling its mental health and EAP services.

Positive read-throughs from Teladoc's Q1/F21 results and outlook. Last week, Teladoc (TDOC-N; not rated) reported better-than-expected Q1/F21 results and in- line-to-better-than-expected Q2/F21 and F2021 guidance. There were some positive takeaways for Dialogue, in our view, including Teladoc's growing pipeline and increased demand for large multi-product deals.

TELUS Health Virtual Care launched; more telehealth M&A. In addition, last week, TELUS announced the launch of TELUS Health Virtual Care, which is its merged Akira/EQ Care B2B telehealth platform, while in the week prior, Accolade (ACCD-Q; not rated) agreed to acquire virtual care provider PlushCare for US$380 million in cash and stock.

TD Investment Conclusion

We are maintaining our C$19.00 target price, which is based on 12.5x our F2022 revenue estimate.


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