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Apr 23, 2026·SEC
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Carter Bankshares, Inc.(CARE)Earnings, Financials & Key Ratios
CARE•NASDAQ•Banking & Credit
22.1× P/E·Price updated Jun 17, 2026
AboutCarter Bankshares, Inc. operates as the bank holding company for Carter Bank & Trust that provides various banking products and services. It accepts various deposit products, including checking, savings, retirement, and money market accounts, as well as longer-term certificates of deposits. The company also offers commercial loans comprising secured and unsecured loans; consumer loans, such as secured and unsecured loans for financing automobiles, home improvements, education, overdraft protection, and personal investments, as well as residential mortgages; real estate construction and acquisition loans; home equity lines of credit; and credit cards, as well as originates and holds fixed and variable rate mortgage loans. In addition, it provides other banking services that include safe deposit boxes, direct deposit of payroll and social security checks, online banking, bill pay, online account opening, mobile deposit, mobile banking, debit cards, e-statements, and ATM services; title insurance and other financial institution-related products and services; and treasury and corporate cash management services. It operates through 69 branches in Virginia and North Carolina. Carter Bankshares, Inc. was founded in 1974 and is headquartered in Martinsville, Virginia.Show more
- Net Interest Income$131M+15.3%
- Total Revenue$255M+6.2%
- Net Income$31M+27.9%
- Return on Equity7.8%+17.0%
- Net Interest Margin2.7%+10.7%
- Efficiency Ratio45.97%+3.4%
- ROA0.66%+23.3%
- Equity / Assets8.65%+4.9%
- Book Value per Share18.69+13.0%
CARE Key Insights
Carter Bankshares, Inc. (CARE) fundamental analysis — strengths, weaknesses & financial health based on data analysis
✓Strengths
- ✓Strong Piotroski F-Score: 8/9
- ✓Efficient operations: 46.0% efficiency ratio
- ✓Momentum leader: RS Rating 87 (top 13%)
- ✓Share count reduced 3.4% through buybacks
- ✓Trading near 52-week high
✗Weaknesses
No significant weaknesses identified
* These insights are generated automatically based on available financial data. Please conduct your own research before making investment decisions.
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CARE Price & Volume
Carter Bankshares, Inc. (CARE) stock price & volume — 10-year historical chart
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CARE Growth Metrics
Carter Bankshares, Inc. (CARE) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR
Revenue CAGR
10 Years4.46%
5 Years9.23%
3 Years12.43%
TTM-
Profit CAGR
10 Years-2.2%
5 Years-
3 Years-14.47%
TTM27.89%
EPS CAGR
10 Years-0.62%
5 Years-
3 Years-11.65%
TTM31.13%
Return on Capital
10 Years3.06%
5 Years6.14%
3 Years3.52%
Last Year1.53%
CARE Recent Earnings
Carter Bankshares, Inc. (CARE) EPS & revenue vs analyst estimates — last 4 quarters
●Beat EPS 6/12 qtrs (50%)●Beat Revenue 2/12 qtrs (17%)
Q2 2026Latest
Apr 23, 2026Metric
Actual
Est
EPS
$0.40-89.8%
$3.91
Rev
$107M-11.3%
$121M
Q1 2026
Jan 29, 2026Metric
Actual
Est
EPS
$0.41+24.2%
$0.33
Rev
$40M-2.0%
$41M
Q4 2025
Oct 23, 2025Metric
Actual
Est
EPS
$0.26-33.3%
$0.39
Rev
$38M-6.4%
$41M
Q3 2025
Jul 24, 2025Metric
Actual
Est
EPS
$0.41+32.3%
$0.31
Rev
$40M+3.5%
$39M
| Quarter | Date | EPS (Act vs Est) | Revenue (Act vs Est) |
|---|---|---|---|
| Q2 2026Latest | Apr 23, 2026 | $0.40vs $3.91-89.8% | $107Mvs $121M-11.3% |
| Q1 2026 | Jan 29, 2026 | $0.41vs $0.33+24.2% | $40Mvs $41M-2.0% |
| Q4 2025 | Oct 23, 2025 | $0.26vs $0.39-33.3% | $38Mvs $41M-6.4% |
| Q3 2025 | Jul 24, 2025 | $0.41vs $0.31+32.3% | $40Mvs $39M+3.5% |
Based on last 12 quarters of dataView full earnings history →
CARE Peer Comparison
Carter Bankshares, Inc. (CARE) competitors in Community and retail regional banks — business model, growth, and fundamentals comparison
| Company | Market Cap | Stock Price | P/E Ratio (TTM) | Revenue Growth 1Y | Net Margin | Return on Equity (ROE) | FCF Yield | Debt / Equity |
|---|---|---|---|---|---|---|---|---|
 NBTB | 2.42B | 46.35 | 13.92 | 10.36% | 18.76% | 9.51% | 0.17 | |
 UVSP | 1.18B | 41.47 | 13.12 | 3.58% | 17.51% | 9.82% | 0.37 | |
 NFBK | 602.24M | 14.42 | 728.28 | -26.69% | 0.3% | 0.11% | 1.44 | |
 MNSB | 173.77M | 23.59 | 13.40 | -1.44% | 11.53% | 7.26% | 0.32 | |
 NKSH | 222.89M | 35.00 | 14.06 | 7.88% | 18.57% | 9.04% | 0.01 | |
 UBSI | 6.17B | 44.20 | 13.52 | 12.33% | 25.52% | 8.6% | 0.17 | |
 FXNC | 262.55M | 29.04 | 14.82 | 27.11% | 15.35% | 9.98% | 0.23 | |
 CFFI | 247.95M | 76.16 | 9.19 | 11.78% | 14.6% | 10.82% | 0.44 |
Compare CARE vs Peers
Carter Bankshares, Inc. (CARE) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.
CARE Income Statement
Carter Bankshares, Inc. (CARE) annual income statement — 10-year revenue, gross profit & net income history
10Y historyFree accessUpdated daily
| Metric | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 |
|---|---|---|---|---|---|---|---|---|---|
Net Interest Income | 106.97M | 113.91M | 112.2M | 104.9M | 111.06M | 139.77M | 120.85M | 113.44M | 130.82M |
NII Growth % | 5.64% | 6.48% | -1.49% | -6.51% | 5.88% | 25.85% | -13.54% | -6.13% | 15.32% |
Net Interest Margin % | 2.6% | 2.82% | 2.8% | 2.51% | 2.69% | 3.32% | 2.68% | 2.43% | 2.7% |
Interest Income | 144.08M | 152.02M | 158.98M | 140.72M | 133.78M | 160.03M | 194.96M | 220.72M | 232.22M |
Interest Expense | 37.11M | 38.11M | 46.77M | 35.83M | 22.71M | 20.25M | 74.11M | 107.27M | 101.4M |
Loan Loss Provision | 43.2M | 16.87M | 3.4M | 18.01M | 2.08M | 2.93M | 6.4M | -5.05M | -3.83M |
Non-Interest Income | 246K | 5.87M | 9.41M | 23.05M | 22.6M | 19.12M | 16.86M | 18.96M | 22.4M |
Non-Interest Income % | 0.17% | 3.72% | 5.59% | 14.07% | 14.45% | 10.67% | 7.96% | 7.91% | 8.8% |
Total Revenue | 144.33M▲ 0% | 157.89M▲ 9.4% | 168.38M▲ 6.6% | 163.77M▼ 2.7% | 156.38M▼ 4.5% | 179.15M▲ 14.6% | 211.82M▲ 18.2% | 239.67M▲ 13.1% | 254.63M▲ 6.2% |
Revenue Growth % | -1.59% | 9.4% | 6.64% | -2.74% | -4.51% | 14.56% | 18.24% | 13.15% | 6.24% |
Non-Interest Expense | 82.23M | 88.6M | 90.42M | 155.03M | 95.89M | 94.25M | 102.59M | 106.58M | 117.05M |
Efficiency Ratio | 56.98% | 56.11% | 53.7% | 94.66% | 61.32% | 52.61% | 48.43% | 44.47% | 45.97% |
Operating Income | -18.21M▲ 0% | 14.31M▲ 178.6% | 27.78M▲ 94.2% | -45.09M▼ 262.3% | 35.7M▲ 179.2% | 61.72M▲ 72.9% | 28.72M▼ 53.5% | 30.87M▲ 7.5% | 40M▲ 29.6% |
Operating Margin % | -12.62% | 9.06% | 16.5% | -27.53% | 22.83% | 34.45% | 13.56% | 12.88% | 15.71% |
Operating Income Growth % | -203.34% | 178.56% | 94.19% | -262.27% | 179.18% | 72.89% | -53.46% | 7.48% | 29.58% |
Pretax Income | -18.21M▲ 0% | 14.31M▲ 178.6% | 27.78M▲ 94.2% | -45.09M▼ 262.3% | 35.7M▲ 179.2% | 61.72M▲ 72.9% | 28.72M▼ 53.5% | 30.87M▲ 7.5% | 40M▲ 29.6% |
Pretax Margin % | -12.62% | 9.06% | 16.5% | -27.53% | 22.83% | 34.45% | 13.56% | 12.88% | 15.71% |
Income Tax | -17.53M | 2.4M | 1.21M | 772K | 4.11M | 11.6M | 5.34M | 6.35M | 8.64M |
Effective Tax Rate % | 96.26% | 16.79% | 4.35% | -1.71% | 11.51% | 18.79% | 18.58% | 20.56% | 21.6% |
Net Income | -681K▲ 0% | 11.9M▲ 1848.2% | 26.57M▲ 123.2% | -45.86M▼ 272.6% | 31.59M▲ 168.9% | 50.12M▲ 58.7% | 23.38M▼ 53.3% | 24.52M▲ 4.9% | 31.36M▲ 27.9% |
Net Margin % | -0.47% | 7.54% | 15.78% | -28% | 20.2% | 27.98% | 11.04% | 10.23% | 12.32% |
Net Income Growth % | -104.26% | 1848.16% | 123.23% | -272.56% | 168.89% | 58.65% | -53.34% | 4.87% | 27.89% |
Net Income (Continuing) | -681K | 11.9M | 26.57M | -45.86M | 31.59M | 50.12M | 23.38M | 24.52M | 31.36M |
EPS (Diluted) | -0.03▲ 0% | 0.45▲ 1600.0% | 1.01▲ 124.4% | -1.74▼ 272.3% | 1.20▲ 169.0% | 2.03▲ 69.2% | 1.00▼ 50.7% | 1.06▲ 6.0% | 1.40▲ 32.1% |
EPS Growth % | -104.92% | 1600% | 124.44% | -272.28% | 168.97% | 69.17% | -50.74% | 6% | 32.08% |
EPS (Basic) | -0.03 | 0.45 | 1.01 | -1.74 | 1.20 | 2.03 | 1.00 | 1.06 | 1.40 |
Diluted Shares Outstanding | 26.26M | 26.26M | 26.34M | 26.38M | 26.34M | 24.6M | 23.24M | 23.24M | 22.46M |
CARE Balance Sheet
Carter Bankshares, Inc. (CARE) balance sheet — assets, liabilities & shareholders' equity
| Metric | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 |
|---|---|---|---|---|---|---|---|---|---|
Cash & Short Term Investments | 1.22B | 1.08B | 868.43M | 1.02B | 1.2B | 883.14M | 774.17M | 786.12M | 796.77M |
Cash & Due from Banks | 268.61M | 293.56M | 125.81M | 241.94M | 277.8M | 46.87M | 54.53M | 131.17M | 105.16M |
Short Term Investments | 947.2M | 782.76M | 742.62M | 778.68M | 922.4M | 836.27M | 719.64M | 654.95M | 691.61M |
Total Investments | 3.6B | 3.45B | 3.61B | 3.71B | 3.64B | 3.89B | 4.13B | 4.21B | 4.51B |
Investments Growth % | 0.56% | -4.09% | 4.59% | 2.8% | -1.9% | 6.94% | 6.09% | 2.08% | 7.03% |
Long-Term Investments | 2.65B | 2.67B | 2.87B | 2.93B | 2.72B | 3.06B | 3.41B | 3.56B | 4.13B |
Accounts Receivables | 0 | 0 | 0 | 0 | 0 | 0 | 59.36M | 63.45M | 0 |
Goodwill & Intangibles | 59.76M | 62.19M | 62.19M | 0 | 0 | 0 | 0 | 0 | 2.13M |
Goodwill | 59.76M | 62.19M | 62.19M | 0 | 0 | 0 | 0 | 0 | 1.19M |
Intangible Assets | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 940K |
PP&E (Net) | 77.27M | 85.84M | 85.94M | 85.31M | 75.3M | 72.11M | 73.71M | 74.33M | 72.5M |
Other Assets | 109.8M | 147.83M | 123.83M | 142.59M | 141.83M | 194.2M | 196.44M | 176.02M | 545.33M |
Total Current Assets | 1.22B | 1.08B | 868.43M | 1.02B | 1.2B | 883.14M | 833.53M | 849.57M | 105.31M |
Total Non-Current Assets | 2.9B | 2.96B | 3.14B | 3.16B | 2.93B | 3.32B | 3.68B | 3.81B | 4.75B |
Total Assets | 4.11B▲ 0% | 4.04B▼ 1.8% | 4.01B▼ 0.8% | 4.18B▲ 4.3% | 4.13B▼ 1.1% | 4.2B▲ 1.7% | 4.51B▲ 7.3% | 4.66B▲ 3.2% | 4.85B▲ 4.1% |
Asset Growth % | -8.73% | -1.77% | -0.83% | 4.32% | -1.09% | 1.71% | 7.33% | 3.25% | 4.14% |
Return on Assets (ROA) | -0.02% | 0.29% | 0.66% | -1.12% | 0.76% | 1.2% | 0.54% | 0.53% | 0.66% |
Accounts Payable | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Total Debt | 0 | 0 | 10M | 35M | 7M | 198.42M | 393.4M | 70M | 178.5M |
Net Debt | -268.61M | -293.82M | -115.81M | -206.94M | -270.8M | 151.55M | 338.87M | -61.17M | 73.34M |
Long-Term Debt | 0 | 0 | 10M | 35M | 7M | 180.55M | 393.4M | 70M | 178.5M |
Short-Term Debt | 0 | 0 | 0 | 0 | 0 | 17.87M | 0 | 0 | 0 |
Other Liabilities | 10.55M | 12.2M | 18.75M | 19.38M | 20.67M | 44.93M | 45.98M | 51.45M | 4.25B |
Total Current Liabilities | 3.67B | 3.59B | 3.5B | 3.68B | 3.7B | 3.65B | 3.72B | 4.15B | 139.81M |
Total Non-Current Liabilities | 10.55M | 12.2M | 28.75M | 54.38M | 27.67M | 225.48M | 439.38M | 121.45M | 4.43B |
Total Liabilities | 3.68B | 3.6B | 3.53B | 3.74B | 3.73B | 3.88B | 4.16B | 4.27B | 4.43B |
Total Equity | 432.13M▲ 0% | 436.21M▲ 0.9% | 473.11M▲ 8.5% | 440.17M▼ 7.0% | 407.6M▼ 7.4% | 328.63M▼ 19.4% | 351.24M▲ 6.9% | 384.31M▲ 9.4% | 419.7M▲ 9.2% |
Equity Growth % | -0.58% | 0.95% | 8.46% | -6.96% | -7.4% | -19.37% | 6.88% | 9.42% | 9.21% |
Equity / Assets (Capital Ratio) | 10.51% | 10.8% | 11.81% | 10.53% | 9.86% | 7.82% | 7.78% | 8.25% | 8.65% |
Return on Equity (ROE) | -0.16% | 2.74% | 5.85% | -10.04% | 7.45% | 13.61% | 6.88% | 6.67% | 7.8% |
Book Value per Share | 16.46 | 16.61 | 17.96 | 16.69 | 15.47 | 13.36 | 15.11 | 16.54 | 18.69 |
Tangible BV per Share | 14.18 | 14.24 | 15.60 | 16.69 | 15.47 | 13.36 | 15.11 | 16.54 | 18.59 |
Common Stock | 26.26M | 26.27M | 26.33M | 26.39M | 26.43M | 23.96M | 22.96M | 23.07M | 22.08M |
Additional Paid-in Capital | 142.18M | 142.18M | 142.49M | 143.46M | 143.99M | 104.69M | 90.64M | 92.16M | 74.81M |
Retained Earnings | 265.93M | 277.83M | 304.16M | 254.61M | 235.47M | 285.59M | 309.08M | 333.61M | 364.97M |
Accumulated OCI | -2.24M | -10.07M | 127K | 15.72M | 1.7M | -85.62M | -71.44M | -64.52M | -42.16M |
Treasury Stock | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Preferred Stock | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
CARE Cash Flow Statement
Carter Bankshares, Inc. (CARE) cash flow — operating, investing & free cash flow history
| Metric | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 |
|---|---|---|---|---|---|---|---|---|---|
Cash from Operations | 44.26M | 49.4M | 38.29M | 7.7M | 77.54M | 70.79M | 46.73M | 36.94M | 39.86M |
Operating CF Growth % | 35.55% | 11.61% | -22.5% | -79.88% | 906.46% | -8.7% | -33.99% | -20.95% | 7.92% |
Net Income | -681K | 11.9M | 26.57M | -45.86M | 31.59M | 50.12M | 23.38M | 24.52M | 31.36M |
Depreciation & Amortization | 3.15M | 3.68M | 5.33M | 6.14M | 6.23M | 6.06M | 6.25M | 7.05M | 0 |
Deferred Taxes | -10.37M | 8.91M | 2.19M | -539K | 4.82M | 4.25M | 2.47M | 3.21M | 0 |
Other Non-Cash Items | 56.71M | 26.65M | -7.08M | 72.78M | 28.25M | 9.77M | 14.49M | -1.43M | 8.97M |
Working Capital Changes | -4.54M | -1.75M | 10.89M | -25.84M | 5.61M | -722K | -1.43M | 1.83M | -470K |
Cash from Investing | -76.2M | 54.24M | -129.36M | -93.27M | -106.36M | -382.07M | -307.01M | -68.4M | -155.91M |
Purchase of Investments | -434.94M | -201.24M | -534.14M | -277.64M | -466.65M | -135.63M | -24.94M | -25.13M | 0 |
Sale/Maturity of Investments | 364.45M | 352.34M | 588.7M | 267.02M | 307.25M | 104.47M | 92.22M | 81.41M | 0 |
Net Investment Activity | -70.49M | 151.1M | 54.57M | -10.62M | -159.4M | -31.16M | 67.29M | 56.28M | 0 |
Acquisitions | 0 | 0 | 0 | 0 | -73.92M | 0 | 0 | 0 | 0 |
Other Investing | -2.18M | -82.25M | -175.47M | -72.53M | 135.45M | -345.02M | -364.5M | -116.55M | -155.91M |
Cash from Financing | -394.22M | -78.43M | -76.94M | 201.69M | 64.67M | 80.35M | 267.94M | 108.11M | 90.04M |
Dividends Paid | 0 | 0 | 0 | -3.69M | 0 | 0 | 0 | 0 | 0 |
Share Repurchases | 0 | 0 | 0 | 0 | -157K | -42.93M | -16.42M | 0 | -20M |
Stock Issued | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Net Stock Activity | 0 | 0 | 0 | 0 | -157K | -42.93M | -16.42M | 0 | -20M |
Debt Issuance (Net) | 0 | 0 | 1000K | 1000K | -1000K | 1000K | 1000K | -1000K | 1000K |
Other Financing | -394.22M | -78.43M | -86.94M | 180.38M | 92.83M | -50.27M | 89.38M | 431.51M | 1.54M |
Net Change in Cash | -426.16M▲ 0% | 25.21M▲ 105.9% | -168.01M▼ 766.4% | 116.13M▲ 169.1% | 35.86M▼ 69.1% | -230.93M▼ 744.0% | 7.66M▲ 103.3% | 76.64M▲ 900.5% | -26.01M▼ 133.9% |
Exchange Rate Effect | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Cash at Beginning | 694.78M | 268.61M | 293.82M | 125.81M | 241.94M | 277.8M | 46.87M | 54.53M | 131.17M |
Cash at End | 268.61M | 293.82M | 125.81M | 241.94M | 277.8M | 46.87M | 54.53M | 131.17M | 105.16M |
Interest Paid | 37.82M | 37.92M | 46.17M | 36.7M | 23.47M | 19.34M | 69.12M | 106.34M | 102.65M |
Income Taxes Paid | 1.68M | 175K | 220K | 416K | 2.72M | 5.79M | 5.72M | 478K | 3.72M |
Free Cash Flow | 40.72M▲ 0% | 34.79M▼ 14.6% | 29.83M▼ 14.2% | -2.42M▼ 108.1% | 69.05M▲ 2958.2% | 64.9M▼ 6.0% | 36.93M▼ 43.1% | 28.8M▼ 22.0% | 31.81M▲ 10.4% |
FCF Growth % | 28.01% | -14.57% | -14.25% | -108.1% | 2958.2% | -6.01% | -43.09% | -22.01% | 10.42% |
CARE Banking Ratios
Carter Bankshares, Inc. (CARE) financial ratios — P/E, ROE, debt and 30+ core market and balance-sheet ratios
| Metric | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|---|---|
Return on Equity (ROE) | 3.71% | -0.16% | 2.74% | 5.85% | -10.04% | 7.45% | 13.61% | 6.88% | 6.67% | 7.8% |
Return on Assets (ROA) | 0.34% | -0.02% | 0.29% | 0.66% | -1.12% | 0.76% | 1.2% | 0.54% | 0.53% | 0.66% |
Net Interest Margin | 2.25% | 2.6% | 2.82% | 2.8% | 2.51% | 2.69% | 3.32% | 2.68% | 2.43% | 2.7% |
Efficiency Ratio | 44.28% | 56.98% | 56.11% | 53.7% | 94.66% | 61.32% | 52.61% | 48.43% | 44.47% | 45.97% |
Equity / Assets | 9.65% | 10.51% | 10.8% | 11.81% | 10.53% | 9.86% | 7.82% | 7.78% | 8.25% | 8.65% |
Book Value / Share | 16.55 | 16.46 | 16.61 | 17.96 | 16.69 | 15.47 | 13.36 | 15.11 | 16.54 | 18.69 |
NII Growth | -3.17% | 5.64% | 6.48% | -1.49% | -6.51% | 5.88% | 25.85% | -13.54% | -6.13% | 15.32% |
Dividend Payout | 49.3% | - | - | - | - | - | - | - | - | - |
Related:CARE Dividend History·CARE Revenue History·CARE Price History·CARE P/E History·CARE Financial Ratios·CARE Institutional Holders
CARE SEC Filings & Documents
Carter Bankshares, Inc. (CARE) SEC filings — annual & quarterly reports (10-K, 10-Q)
CARE Frequently Asked Questions
Carter Bankshares, Inc. (CARE) stock FAQ — growth, dividends, profitability & financials explained
Growth & Financials
Carter Bankshares, Inc. (CARE) grew revenue by 6.2% over the past year. This is steady growth.
Yes, Carter Bankshares, Inc. (CARE) is profitable, generating $31.4M in net income for fiscal year 2025 (12.3% net margin).
Dividend & Returns
Carter Bankshares, Inc. (CARE) has a return on equity (ROE) of 7.8%. This is below average, suggesting room for improvement.
Industry Metrics
Carter Bankshares, Inc. (CARE) has a net interest margin (NIM) of 2.7%. NIM has been under pressure due to interest rate environment.
Carter Bankshares, Inc. (CARE) has an efficiency ratio of 46.0%. This is excellent, indicating strong cost control.