8-K Announcements
6Apr 23, 2026·SEC
Apr 23, 2026·SEC
Mar 26, 2026·SEC
Carter Bankshares, Inc. (CARE) fundamental analysis — strengths, weaknesses & financial health based on data analysis
No significant weaknesses identified
* These insights are generated automatically based on available financial data. Please conduct your own research before making investment decisions.
Carter Bankshares, Inc. (CARE) stock price & volume — 10-year historical chart
Carter Bankshares, Inc. (CARE) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR
Carter Bankshares, Inc. (CARE) EPS & revenue vs analyst estimates — last 4 quarters
| 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% |
Carter Bankshares, Inc. (CARE) competitors in Community and retail regional banks — business model, growth, and fundamentals comparison
Carter Bankshares, Inc. (CARE) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.
Carter Bankshares, Inc. (CARE) annual income statement — 10-year revenue, gross profit & net income history
| Line item | 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 |
Carter Bankshares, Inc. (CARE) balance sheet — assets, liabilities & shareholders' equity
| Line item | 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 |
Carter Bankshares, Inc. (CARE) cash flow — operating, investing & free cash flow history
| Line item | 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% |
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% | - | - | - | - | - | - | - | - | - |
Carter Bankshares, Inc. (CARE) SEC filings — annual & quarterly reports (10-K, 10-Q)
Apr 23, 2026·SEC
Apr 23, 2026·SEC
Mar 26, 2026·SEC
Carter Bankshares, Inc. (CARE) stock FAQ — growth, dividends, profitability & financials explained
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).
Carter Bankshares, Inc. (CARE) has a return on equity (ROE) of 7.8%. This is below average, suggesting room for improvement.
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.
Carter Bankshares, Inc. (CARE) financial analysis — history, returns, DCA and operating performance tools
Historical returns with dividends reinvested
Dollar cost averaging vs lump sum
Yield, growth, payout safety & DRIP
EPS trends, net income & profitability
Long-term charts & historical price data
Sales growth patterns & revenue breakdown
30 years of market, efficiency and balance-sheet ratios
DCF intrinsic value, peer multiples & estimates