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CARECarter Bankshares, Inc.
$29.93$663M
Overview & Tools
OverviewChart Terminal ↗Visualize
Valuation & Forecasts
Valuation ModelsEstimatesDCF Model
Price & Analyst Data
Analyst TargetsPrice History
Financial Statements
Income StatementBalance SheetCash FlowRatios & Margins
Performance
P/E HistoryRevenue HistoryEarnings HistoryDividend HistoryTotal Return
Discovery & Screens
Live BreakoutsStock ScreenerOwnership
CARE logo

Carter Bankshares, Inc.

CARE
NASDAQ · Regional Banks
$29.93
At close - Sep 23, 4:00 PM EDT - USD
Market Cap$663M
P/E21.4x
52W High$36.06
Volume200.48K
OverviewTerminalAnalysisFinancialsValuationEarningsBreakoutsOwnership
VCP Research Verdict2026Q2

Fee Spike and Provision Swing Cloud Core Earnings

Carter Bankshares is executing a securities portfolio repositioning that drove a 24.0% year-over-year NII increase to $40.0M in 2026Q2, but the bank's thin 0.8% NIM and volatile provision swings—including a $34.1M benefit in 2026Q1—raise questions about earnin...

GrowthAccelerating
ProfitabilityModerate
ValuationAttractive
TechnicalsMixed
Explore valuation models
MARKET ACTION

CARE price & volume

Price trend, volume and key moving averages

Launch Terminal
Loading chart...
Decision Checklist4 Core Signals

What matters now

The signals most likely to change the investment case.

01

Earnings momentum

7/12 Beats

EPS beat 7 of last 12 quarters

02

Valuation risk

+42% Peers

P/E is 42% above peer median

03

Market leadership

RS 83 · Leader

High momentum (Outperforming 83% of market)

04

Mixed Trend

Mixed

Price < 50DMA but > 200DMA

Next CatalystEstimated earnings · Oct 23

Market performance

Price History →

Trailing total returns as of 9/24/2026, which may include dividends or other distributions. Benchmark is S&P 500 (^GSPC).

YTD Return
CARE+55.07%
S&P 500 (^GSPC)+12.39%
1-Year Return
CARE+52.63%
S&P 500 (^GSPC)+15.77%
3-Year Return
CARE+133.93%
S&P 500 (^GSPC)+75.40%
5-Year Return
CARE+107.08%
S&P 500 (^GSPC)+66.26%
02

Test the fundamentals

Check whether operating performance supports the current valuation.

VALUATION & INTRINSIC VALUE

Valuation Scenarios

Valuation Analysis
Trailing P/E5Y High
21.4x
Forward P/EExpansion
5.0x
EV/EBITDA80th %ile
15.4x
FCF YieldCash Flow
4.8%

Valuation vs 5-Year History

Multiple Range
Metric
Current
5Y Median
Historical Range
Percentile
P/E
21.4x
14.0x
100th· High
EV/EBITDA
15.4x
9.2x
80th· High
Price/FCF
20.9x
9.4x
100th· High
Current Multiple
5Y Median (50th %ile)

Intrinsic Value Scenarios

DCF Projection
No DCF Model AvailableIntrinsic value modeling is not supported for this equity.

Growth & profitability

Annual revenue & EPS trend
Revenue
$153M+15.7% YoY
Net income
$31M+27.9% YoY
Free cash flow
$32M+10.4% YoY
Operating margin
15.7%+2.8 pts YoY
ROIC (TTM)5.7%
Avg ROIC 5Y-
ROE (TTM)7.8%
Piotroski Score7 / 9
Financial Statements →
03

Monitor what changed

Recent results and news deserve attention only when they alter the forward view.

OPERATING RESULTS

Recent Earnings

Earnings History
EPS Beat Rate7/12 (58%)
Revenue Beat Rate2/12 (17%)
QuarterEPS (Act vs Est)Revenue (Act vs Est)
Q3 2026Latest
Jul 23, 2026
$1.31+219.5%
vs $0.41
$69M+22.9%
vs $56M
Q2 2026
Apr 23, 2026
$0.40-89.8%
vs $3.91
$107M-11.3%
vs $121M
Q1 2026
Jan 29, 2026
$0.41+24.2%
vs $0.33
$40M-2.0%
vs $41M
Q4 2025
Oct 23, 2025
$0.26-33.3%
vs $0.39
$38M-6.4%
vs $41M
Historical baseline: 12 quarters analyzedGAAP / Adjusted
MARKET COVERAGE

Latest News

5 Stories
Business Wire·Sep 15, 2026
Carter Bank Strengthens Raleigh Presence with Commercial Banking Leader Kevin Lockhart

MARTINSVILLE, Va.--(BUSINESS WIRE)--Carter Bank (Nasdaq: CARE) is pleased to announce that Kevin Lockhart will lead the Bank's commercial banking efforts in Raleigh, N.C. A veteran commercial banker with more than 30 years of experience, Lockhart has spent the past 8 years as a Regional Executive overseeing the Roanoke and New River Valley regions in Virginia. Lockhart brings extensive expertise and well-established Raleigh-based business relationships to the role, further bolstering the Bank's.

Accesswire·Aug 11, 2026
Carter Bankshares, Inc. Establishes Dividend Reinvestment and Stock Purchase Plan

MARTINSVILLE, VA / ACCESS Newswire / August 11, 2026 / Carter Bankshares, Inc. (the "Company") (NASDAQ:CARE) today announced the establishment of its Dividend Reinvestment and Stock Purchase Plan (the "Plan"). The Company will offer up to 1,000,000 shares of common stock to existing shareholders of the Company for purchase under the Plan.

24/7 Wall Street·Aug 5, 2026
Last Chance – 5 Dividend Stocks You Must Buy This Week to Get Paid in August

Income investors have intriguing opportunities and a narrow decision window this week.

PRNewsWire·Aug 3, 2026
KIMBERLY-CLARK UNVEILS PROPRIETARY ALTERNATIVE NATURAL FIBER INNOVATION PROGRAM TO ADVANCE ITS "BETTER CARE FOR A BETTER WORLD" COMMITMENT

Company Pioneers Next-Generation, Agriculture-Based Materials Platform to Reshape How It Manufactures Hygiene Products DALLAS, Aug. 3, 2026 /PRNewswire/ -- Kimberly-Clark Corporation (NASDAQ: KMB) today unveiled a proprietary innovation program focused on advancing alternative natural fibers as the foundation for a next-generation, high-performance, sustainable materials platform, furthering the Company's commitment to Better Care for a Better World. Company researchers and scientists developed a patented technology platform by transforming fibers from a rapidly renewable succulent plant into sustainable material.

Filtered for Carter Bankshares, Inc.More Headlines
04

Compare before deciding

Benchmark CARE against direct peers instead of judging its metrics in isolation.

Peers Comparison

Key metrics vs top competitors for Carter Bankshares, Inc. (CARE)

Full Screener →
CompanyPriceMarket CapP/E RatioRev Growth (1Y)Net MarginROEDiv Yield
CARE logoCARECarter Bankshares, Inc.Current
$29.93$663.32M21.3815.73%12.32%7.8%—
NBTB logoNBTBNBT Bancorp Inc.
$50.48$2.63B15.1614.54%22.65%11.26%—
UVSP logoUVSPUnivest Financial Corporation
$41.41$1.14B13.109.64%18.89%10.41%—
NFBK logoNFBKNorthfield Bancorp, Inc.
$15.31$639.41M773.23-43.3%1.79%0.68%—
MNSB logoMNSBMainStreet Bancshares, Inc.
$24.80$176.51M14.0912.18%13.25%8%—
NKSH logoNKSHNational Bankshares, Inc.
$41.49$264.23M16.6622.5%44.94%10.92%—

Compare CARE vs Peers

Carter Bankshares, Inc. (CARE) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.

Closest Rival

vs NBTB

Most directly comparable listed peer for CARE.

Scale Benchmark

vs NTRS

Larger-name benchmark to compare CARE against a more recognizable public peer.

Peer Set

Compare Top 5

vs NBTB, UVSP, NFBK, MNSB

05

Keep researching

Verify the primary filings, follow material updates, and answer the remaining questions.

CARE SEC Filings & Documents

Carter Bankshares, Inc. (CARE) SEC filings — annual & quarterly reports (10-K, 10-Q)

8-K Announcements

6
Material company update

Aug 17, 2026·SEC

Material company update

Aug 11, 2026·SEC

Material company update

Jul 27, 2026·SEC

10-K Annual Reports

2
FY 2026

Mar 5, 2026·SEC

FY 2025

Mar 7, 2025·SEC

10-Q Quarterly Reports

6
FY 2026

Aug 6, 2026·SEC

FY 2026

May 7, 2026·SEC

FY 2025

Nov 3, 2025·SEC

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CARE Frequently Asked Questions

Carter Bankshares, Inc. (CARE) stock FAQ — growth, dividends, profitability & financials explained

Growth & Financials
How fast is Carter Bankshares, Inc. growing?

Carter Bankshares, Inc. (CARE) grew revenue by 15.7% over the past year. This is strong growth.

Is CARE profitable?

Yes, Carter Bankshares, Inc. (CARE) is profitable, generating $128.6M in net income for fiscal year 2025 (12.3% net margin).

Dividend & Returns
What is CARE's return on equity?

Carter Bankshares, Inc. (CARE) has a return on equity (ROE) of 7.8%. This is below average, suggesting room for improvement.

Industry Metrics
What is Carter Bankshares, Inc.'s net interest margin?

Carter Bankshares, Inc. (CARE) has a net interest margin (NIM) of 2.7%. NIM has been under pressure due to interest rate environment.

What is Carter Bankshares, Inc.'s efficiency ratio?

Carter Bankshares, Inc. (CARE) has an efficiency ratio of 46.0%. This is excellent, indicating strong cost control.

What if you invested $1,000 in CARE back in 2007?

Total return calculator · dividends reinvested · 19+ years of data

See returns →