Carter Bankshares, Inc. (CARE)

NMS – Real Time Price. Currency in USD

32.26

+0.25 (0.77%)

Market open: Aug 12, 2026, 10:02 AM EDT

32.01

0.00 (0.00%)

Previous after-hours: Aug 11, 2026, 7:34 PM EDT

Stock details

Previous close: 31.747$
Day's range: 31.75 - 32.96$
52-week range: 16.78 - 36.06$
Volume: 242 055
Average volume: 444 814
Beta: -0.25
EPS (TTM): 5.81
PE ratio (TTM): 5.47
Forward P/E: 4.94
Market cap: 703 638 313
Shares outstanding: 22 163 931
Dividend yield: $0.30 (0.3%)
Next earnings date: 2026-10-22
Sector: Financials
Industry: Banks - Regional

About the company

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 constructi... read more

CEO: Litz Van Dyke
Country: United States
IPO Date
Employees: 687
Fiscal Year End: January - December
Website: https://www.carterbank.com

Revenue Breakdown

Banking and Related Activities / 100.00%

News

No Data

There are no news for this stock.

Chart: CARE

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Overall Score

4.5 / 1045%

Octagon View

Strength & Weakness

Cash reserves $0.0 barely cover the upcoming debt maturities $0.0

Total current assets $0.0 are just enough to cover Total current liabilities $0.0, indicating tight liquidity

Debt-to-equity ratio (0.0) is near the industry average, reflecting balanced leverage

The company has no interest-bearing debt, showcasing excellent financial strength

Negative free cash flow -$262.9M limits the company's ability to reinvest or pay down debt

Financial Strength

NAME	RATIO	INDUSTRY	SCORE
Current ratio	0.08	2.82	1.0
Quick ratio	N/A	2.82	1.0
Debt to Equity	0.00	0.05	10
Debt to Assets	0.00	0.09	10
Interest coverage	N/A	N/A	10
Weighted average score			6.4

Debt to Assets

Financial

Values in USD
(B=Billions, M=Millions, K=Thousands)

Values in USD (B=Billions, M=Millions, K=Thousands)

METRIC	2022	2023	2024	2025	TTM
Total Revenue	181M	214M	243M	255M	349M
Gross Profit	N/A	N/A	N/A	N/A	N/A
Operating Income	62M	29M	31M	40M	166M
Net Income	50M	23M	24M	31M	127M
EBITDA	N/A	N/A	N/A	N/A	N/A

Current Ratio

Revenue & Net Income

Cashflow

Margin Ratios

Profitability

NAME	RATIO	INDUSTRY	SCORE
Gross margin %	N/A	48.43	1.0
Operating margin %	54.22	0.44	10
Net margin %	41.51	32.70	10
EBITDA margin %	N/A	0.00	1.0
Cash flow margin %	-288.79	0.00	1.0
Weighted average score			4.6

Net Margin

Effectiveness

NAME	RATIO	INDUSTRY	SCORE
ROA	1.55	1.46	3.0
ROE	16.46	14.94	8.0
ROIC	15.90	0.00	8.0
ROCE	N/A	0.00	1.0
Weighted average score			5.0

Estimated EPS vs Actual EPS

Forecast

NAME	REVENUE GROWTH	EPS GROWTH	SCORE
Current quarter	20.72	102.56	10
Next quarter	22.13	37.4	10
Current year	114.63	362.59	10
Next year	-7.43	-61.12	1.0
Weighted average score			7.8

Analyst Rating

Growth

NAME	REVENUE	NET INCOME	EPS	FCF	SCORE
Q/Q	-30.67	-66.33	-66.23	-186.93	1.0
Y/Y	44	238.87	219.51	-3504.91	7.8
3y average	12.09	-7.01	-5.45	-17.62	2.5
5y average	9.22	41.18	53.36	241.44	9.0
Weighted average score					5.1

Revenue Growth Rate vs. Industry

Valuation

NAME	RATIO	INDUSTRY	SCORE
P/E	5.69	11.16	9.0
PEG (5yr expected)	N/A	98.42	1.0
P/S	3.38	3.37	4.4
P/B	1.36	1.53	6.0
Weighted average score			5.1

DCF Model

DCF Model Period5 years

Discount rate9%

Perpetual growth rate3%

Revenue 5 year CAGR2.5%

FCF 5 year CAGR4

Fair value29.25$

Stock price31.89$

Dividend

NAME	CURRENT	INDUSTRY	SCORE
Dividend yield	0.00	N/A	1.0
Payout ratio	0.00	N/A	1.0
5-year dividend growth rate	N/A	N/A	1.0
Years of dividend increase	N/A	N/A	1.0
Weighted average score			1.0

Fair Value

$29.25

UndervaluedStock priceOvervalued

$31.89

Economic Moat

NAME	SCALE	SCORE
Market share	None	1.0
Intangible assets	None	1.0
Switching costs	None	1.0
Network effect	None	1.0
Economies of scale	None	1.0
Weighted average score		1.0

About the company

CEO

Litz Van Dyke

Country

United States

IPO Date

Employees

687

Fiscal Year End

January - December

Website

https://www.carterbank.com

NAME

RATIO

INDUSTRY

5Y TREND

SCORE

Current ratio

0.08

2.82

1.0

Quick ratio

N/A

2.82

1.0

Debt to Equity

0.00

0.05

Debt to Assets

0.00

0.09

Interest coverage

N/A

Weighted average score

6.4

METRIC

2022

2023

2024

2025

TTM

Total Revenue

181M

214M

243M

255M

349M

Gross Profit

N/A

Operating Income

62M

29M

31M

40M

166M

Net Income

50M

23M

24M

31M

127M

EBITDA

N/A

NAME

RATIO

INDUSTRY

5Y TREND

SCORE

Gross margin %

N/A

48.43

1.0

Operating margin %

54.22

0.44

Net margin %

41.51

32.70

EBITDA margin %

N/A

0.00

1.0

Cash flow margin %

-288.79

0.00

1.0

Weighted average score

4.6

NAME

RATIO

INDUSTRY

5Y TREND

SCORE

ROA

1.55

1.46

3.0

ROE

16.46

14.94

8.0

ROIC

15.90

0.00

8.0

ROCE

N/A

0.00

1.0

Weighted average score

5.0

NAME

REVENUE GROWTH

EPS GROWTH

SCORE

Current quarter

20.72

102.56

Next quarter

22.13

37.4

Current year

114.63

362.59

Next year

-7.43

-61.12

1.0

Weighted average score

7.8

NAME

REVENUE

NET INCOME

EPS

FCF

SCORE

Q/Q

-30.67

-66.33

-66.23

-186.93

1.0

Y/Y

238.87

219.51

-3504.91

7.8

3y average

12.09

-7.01

-5.45

-17.62

2.5

5y average

9.22

41.18

53.36

241.44

9.0

Weighted average score

5.1

NAME

RATIO

INDUSTRY

5Q TREND

SCORE

P/E

5.69

11.16

9.0

PEG (5yr expected)

N/A

98.42

1.0

P/S

3.38

3.37

4.4

P/B

1.36

1.53

6.0

Weighted average score

5.1

NAME

CURRENT

INDUSTRY

SCORE

Dividend yield

0.00

N/A

1.0

Payout ratio

0.00

N/A

1.0

5-year dividend growth rate

N/A

1.0

Years of dividend increase

N/A

1.0

Weighted average score

1.0

NAME

SCALE

SCORE

Market share

None

1.0

Intangible assets

None

1.0

Switching costs

None

1.0

Network effect

None

1.0

Economies of scale

None

1.0

Weighted average score

1.0

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Carter Bankshares, Inc. (CARE)

Stock details

About the company

Revenue Breakdown

News

Chart: CARE

Overall Score

Octagon View

Strength & Weakness

Financial Strength

Debt to Assets

Financial

Current Ratio

Revenue & Net Income

Cashflow

Margin Ratios

Profitability

Net Margin

Effectiveness

Estimated EPS vs Actual EPS

Forecast

Analyst Rating

Growth

Revenue Growth Rate vs. Industry

Valuation

DCF Model

Dividend

Fair Value

$29.25

$31.89

Economic Moat

Stock details

About the company

Revenue Breakdown

News

Chart: CARE

Overall Score

Octagon View

Strength & Weakness

Financial Strength

Debt to Assets

Financial

Current Ratio

Revenue & Net Income

Cashflow

Margin Ratios

Profitability

Net Margin

Effectiveness

Estimated EPS vs Actual EPS

Forecast

Analyst Rating

Growth

Revenue Growth Rate vs. Industry

Valuation

DCF Model

Dividend

Fair Value

$29.25

$31.89

Economic Moat