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Carter Bankshares, Inc. CARE R2KR3KFINANCIAL

Financial Services · Banks - Regional · United States
https://www.carterbank.com
Company Profile ↓
$30.57
+67.10% 1Y
Mkt Cap$708.12M
P/E5.27
P/B1.24
Div. Yield1.32%
52W High$35.61
52W Low$16.84
Book Value$24.33
EPS (TTM)$5.80

Company Overview

Carter Bankshares, Inc. operates as the bank holding company for Carter Bank & Trust that provides various retail and commercial banking products and insurance services in the United States. It offers various deposit products, including checking, savings, retirement, and money market accounts, as well as certificates of deposit. The company also provides commercial loans, such as secured and unsecured, real estate construction and acquisition, and commercial and industrial loans; consumer loans, such as automobiles, home improvements, education, overdraft protection, and personal, and residential mortgages loans; home equity lines of credit; and credit cards, as well as originates and holds fixed and variable rate mortgage loans. In addition, it offers other banking services that include safe deposit boxes, direct deposit of payroll, social security checks, and debit cards; online banking products, including online and mobile banking, online account opening, bill payment, electronic statement, mobile deposit, Zelle, credit monitoring tools, digital wallet, MoneyPass, and ATM services; title insurance and other financial institution-related products and services; and treasury and corporate cash management services. Carter Bankshares, Inc. was founded in 1974 and is headquartered in Martinsville, Virginia.

Why Investors Should Care

Strong Return on Equity

Generates a return on equity of 27.2%, reflecting efficient use of shareholder capital.

Reasonable Valuation

Trades at a P/E of 5.3, below the sector median of 13.6.

Healthy Margins

Maintains a net profit margin of 44.9%.

Positive Free Cash Flow

Generates positive free cash flow, funding growth and shareholder returns internally.

Recent Developments

  • Dec 2025 Revenue of $149.03M (+12.6% YoY); net profit $31.36M.
  • Trailing 12 Months Year-on-year growth — revenue +68.3%, earnings +253.9%.
  • 5-Year Trend Long-term compounding — revenue CAGR -2.1%, profit CAGR -14.5%.

Growth & Price Performance

Compounded Sales Growth

5 Years:-2.11%
1 Year:68.30%

Compounded Profit Growth

5 Years:-14.47%
1 Year:253.90%

Stock Price Performance

1 Year:+67.10%
6 Months:+27.66%
3 Months:-10.00%
1 Month:+1.66%

Highlights auto-generated from reported financials and price data; not investment advice. Verify with official filings before acting.

Technical Snapshot Mixed
52-Week Range 73% of range
$16.84 $35.61
Trend Signals
  • Price vs 50-DMABelow
  • Price vs 200-DMAAbove
  • RSI (14)51.29 · Neutral
Price Performance
1M+1.66%
3M-10.00%
6M+27.66%
1Y+67.10%
Valuation vs Sector

P/E of 5.27 is below the sector median of 13.55 — relatively cheaper than peers.

Auto-generated from price history and fundamentals; not investment advice.

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Price Chart

Robinhood TradingView

Fundamental Growth Charts

Interactive charts for Revenue, Net Income, EBITDA, Free Cash Flow, EPS, ROE, ROCE, Gross/Net/Operating Margin and more — switch metric and period using the dropdowns above. CAGR is computed across the displayed window (quarterly CAGR is annualised). Visual growth charts make it easy to spot multi-year compounding trends at a glance — far faster than reading raw numbers in a table.

PROS

  • Strong return on equity of 27.2%.
  • Excellent profit margin of 44.9%.
  • Generates positive free cash flow.
  • In a confirmed uptrend (50-DMA above 200-DMA).

CONS

  • Revenue declined at -2.1% CAGR over 5 years.
  • Earnings shrank at -14.5% CAGR over 5 years.

* The pros and cons are auto-generated from financial metrics.

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Valuation

Stock P/E
5.27
Industry PE
13.55
Forward P/E
11.76
PEG Ratio
-
Book Value
$24.33
Price to Book
1.24
P/S
2.44
EV/EBITDA
-
Dividend Yield
1.32%

Growth (CAGR)

Revenue 5Y
-2.11%
Profit 5Y
-14.47%
Revenue (YoY)
68.30%
Earnings (YoY)
253.90%

Profitability & Returns

ROCE
-
ROE
27.22%
ROA
2.68%
Profit Margin
44.92%
Op Margin
55.04%
Gross Margin
0.00%
EPS (Latest Qtr)
$1.31
EPS (TTM)
$5.80

Balance Sheet & Liquidity

Debt/Equity
0.43
Quick Ratio
-
Current Ratio
-
Debt
$11.39M
Total Assets
$4.80B
Current Assets
-
Working Capital
-

Ownership

Promoter Holding
2.28%
Chg in Prom Hold
-0.00%
FII / Inst Holding
67.19%
Chg in FII Hold
-0.12%

Financial Snapshot

Enterprise Value
$708.12M
Total Revenue (TTM)
$286.21M
EBITDA
-
Free Cash Flow
$31.81M
Operating Cash Flow
$67.26M
Shares Outstanding
23.16M
Gross Margin
0.00%
Payout Ratio
1.72%

Peer comparison

Peer companies in the same sector (Financial Services).

#NameCMP $P/E Mkt CapDiv Yld % ROCE %ROE % Rev CAGR 5Y %Profit CAGR 5Y %
1 CARE Carter Bankshares, Inc. R2KR3KFINANCIAL 30.57 5.27 $708.12M 1.32% - 27.22% -2.11% -14.47%
2 JPM JPMorgan Chase & Co. SPXR3KFINANCIAL 331.58 14.21 $881.40B 1.72% - 17.79% 12.50% 14.83%
3 BRK-B Berkshire Hathaway Inc. SPXFINANCIAL 542.19 13.64 $763.42B 0.00% - 12.12% 4.18% 9.44%
4 V Visa Inc. SPXR3KFINANCIAL 407.92 34.69 $695.14B 0.72% 37.15% 61.19% 14.33% 13.04%
5 MA Mastercard Incorporated SPXR3KFINANCIAL 623.60 34.34 $542.20B 0.62% 60.19% - 12.29% 19.21%
6 BRK-A Berkshire Hathaway Inc. FINANCIAL 813,595.00 13.64 $397.40B 0.00% - 12.12% 7.60% 10.02%
7 BAC Bank of America Corporation SPXR3KFINANCIAL 50.56 11.68 $353.55B 2.39% - 11.20% 3.14% 4.27%
8 HSBC HSBC Holdings plc FINANCIAL 90.68 12.95 $310.38B 3.65% - 13.10% 9.75% 12.72%
9 MS Morgan Stanley SPXR3KFINANCIAL 179.49 14.51 $281.90B 2.26% - 17.97% 3.76% 9.66%
Financial Statements Quarterly Results · Profit & Loss · Balance Sheet · Cash Flows · Ratios

Quarterly Results

Figures in USD.

Metric Mar 2019Jun 2019Sep 2019Dec 2019Mar 2020Jun 2020Sep 2020Dec 2020Mar 2021Jun 2021Sep 2021Dec 2021Mar 2022Jun 2022Sep 2022Dec 2022Mar 2023Jun 2023Sep 2023Mar 2024Jun 2024Sep 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026
Revenue ----------------------36.05M36.28M38.13M38.58M105.91M-
Cost of Revenue ----------------------------
Gross Profit ----------------------------
Operating Expenses ----------------------------
Operating Income ----------------------------
EBITDA ----------------------------
Interest Expense ----------------------25.87M25.39M25.45M24.69M23.25M-
Pretax Income ----------------------11.14M10.63M7.15M11.08M110.03M-
Tax Provision ----------------------2.18M2.12M1.74M2.60M24.27M-
Net Income 7.54M7.83M7.60M3.61M4.42M4.46M-57.68M2.94M9.38M5.43M11.17M5.61M9.32M10.78M14.41M15.61M15.94M5.70M3.63M5.81M4.80M5.63M8.95M8.51M5.42M8.48M85.76M-
Diluted EPS 0.290.300.290.140.170.17-2.190.110.360.210.420.210.360.440.590.650.670.240.160.250.210.24-0.370.240.383.881.31

Profit & Loss (Annual)

Figures in USD.

Metric Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Revenue 12.78M17.99M-158.90M137.71M132.40M149.03M
Cost of Revenue -------
Gross Profit -------
Operating Expenses -------
Operating Income -------
EBITDA -------
Interest Expense ---20.25M74.11M107.27M101.40M
Pretax Income ---61.72M28.72M30.87M40.00M
Tax Provision ---11.60M5.34M6.35M8.64M
Net Income 26.57M-45.86M-50.12M23.38M24.52M31.36M
Diluted EPS 1.01-1.74-2.031.001.061.38

Balance Sheet (Annual)

Figures in USD.

Metric Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Total Assets --4.18B-4.20B4.51B4.66B4.85B
Current Assets --------
Cash & Equivalents --241.94M-46.87M54.53M131.17M105.16M
Inventory --------
Receivables -----59.36M63.45M-
Total Liabilities --3.74B-3.88B4.16B4.27B4.43B
Current Liabilities --------
Long Term Debt ----180.55M393.40M70.00M178.50M
Total Debt ----180.55M393.40M70.00M178.50M
Total Equity 435.96M473.11M440.17M-328.63M351.24M384.31M419.70M
Shares Outstanding ----23.96M22.96M23.07M22.08M

Cash Flows (Annual)

Figures in USD.

Metric Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Operating Cash Flow 38.29M7.70M77.54M70.79M46.73M36.94M39.86M
Investing Cash Flow -129.36M-93.27M-106.36M-382.07M-307.01M-68.40M-155.91M
Financing Cash Flow -76.94M201.69M64.67M80.35M267.94M108.11M90.04M
Capital Expenditure -8.45M-10.12M-8.48M-5.89M-9.80M-8.13M-8.05M
Free Cash Flow 29.83M-2.42M69.05M64.90M36.93M28.80M31.81M
Share Buybacks 00157.00K42.93M16.42M020.00M
Dividends Paid 03.69M00---

Ratios (Annual)

Figures in %.

Metric Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Gross Margin % -------
Operating Margin % -------
Net Margin % 207.9%-254.9%-31.5%17.0%18.5%21.0%
ROE % 5.6%-10.4%-15.3%6.7%6.4%7.5%
ROCE % -------

Shareholding Pattern

Insiders
2.28%
Institutions
67.19%
Public Float
68.76%

Top Institutional Holders

#Holder% HeldSharesValue
1 Blackrock Inc. 8.11% 1.80M $54.19M
2 Dimensional Fund Advisors LP 5.67% 1.26M $37.88M
3 Vanguard Capital Management LLC 4.31% 955.88K $28.83M
4 State Street Corporation 4.12% 912.31K $27.52M
5 American Century Companies Inc 3.20% 709.57K $21.40M
6 Lazard Asset Management LLC 2.89% 640.74K $19.32M
7 Geode Capital Management, LLC 2.60% 576.61K $17.39M
8 Acadian Asset Management. LLC 1.75% 387.40K $11.68M
9 Kennedy Capital Management, LLC 1.73% 384.08K $11.58M
10 Goldman Sachs Group Inc 1.69% 373.75K $11.27M

Analyst View

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Latest News

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CARE — Frequently Asked Questions

What is the current share price of Carter Bankshares, Inc. (CARE)?

As of 2026-10-23 16:27 PDT, Carter Bankshares, Inc. (CARE) trades at $30.57 on NasdaqGS. Its 52-week range is $16.84 to $35.61.

What is the market capitalisation of CARE?

Carter Bankshares, Inc. (CARE) has a market capitalisation of $708.12M on NasdaqGS.

What is the P/E ratio of CARE?

CARE trades at a trailing price-to-earnings (P/E) ratio of 5.27. The industry average P/E is 13.55. Its price-to-book (P/B) ratio is 1.24.

Does CARE pay a dividend?

Carter Bankshares, Inc. (CARE) currently offers a dividend yield of 1.32%.

What is the return on equity (ROE) of CARE?

CARE has a return on equity (ROE) of 27.22%.

Is CARE a good stock to buy?

This page provides a data-driven analysis of Carter Bankshares, Inc. (CARE), including valuation ratios, profitability, growth trends, auto-generated pros and cons, peer comparison and AI exposure. Review these fundamentals alongside your own research and risk tolerance. This is informational content, not investment advice.

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