Carter Bankshares, Inc. (CARE) Earnings History
Annual and quarterly earnings data from 2007 to 2025
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CARE EPS Growth (CAGR)
Compound annual growth rate of diluted earnings per share
CAGR (Compound Annual Growth Rate) shows the annualized growth rate of EPS over the specified period. A higher CAGR indicates stronger earnings momentum.
CARE Profitability Analysis
Margin trends over time
| Year | Gross Margin | Operating Margin | Net Margin |
|---|---|---|---|
| 2025 | 61.7% | 15.7% | 12.3% |
| 2024 | 57.3% | 12.9% | 10.2% |
| 2023 | 62.0% | 13.6% | 11.0% |
| 2022 | 87.1% | 34.4% | 28.0% |
| 2021 | 84.1% | 22.8% | 20.2% |
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Carter Bankshares, Inc. (CARE) Earnings Overview
As of May 8, 2026, Carter Bankshares, Inc. (CARE) reported trailing twelve-month net income of $31M, reflecting +32.1% year-over-year growth. The company earned $1.43 per diluted share over the past four quarters, with a net profit margin of 12.3%.
Looking at the long-term picture, CARE's historical earnings data spans multiple years. The company achieved its highest annual net income of $50M in fiscal 2022.
Carter Bankshares, Inc. maintains positive profitability with a gross margin of 61.7%, operating margin of 15.7%, and net margin of 12.3%. The company continues to generate positive earnings from operations. View revenue history →
Compared to peers including NBTB ($169M net income, 19.5% margin), UVSP ($91M net income, 17.5% margin), NFBK ($39M net income, 11.9% margin), CARE has room to improve margins relative to the peer group. Compare CARE vs NBTB →
CARE Earnings vs Peers
Earnings metrics vs comparable public companies
CARE Historical Earnings Data (2007–2025)
19 years| Fiscal Year | Net Income | YoY % | Operating Income | EPS (Diluted) | Net Margin | Op. Margin |
|---|---|---|---|---|---|---|
| 2025 | $31M | +27.9% | $40M | $1.40 | 12.3% | 15.7% |
| 2024 | $25M | +4.9% | $31M | $1.06 | 10.2% | 12.9% |
| 2023 | $23M | -53.3% | $29M | $1.00 | 11.0% | 13.6% |
| 2022 | $50M | +58.7% | $62M | $2.03 | 28.0% | 34.4% |
| 2021 | $32M | +168.9% | $36M | $1.20 | 20.2% | 22.8% |
| 2020 | -$46M | -272.6% | -$45M | $-1.74 | -28.0% | -27.5% |
| 2019 | $27M | +123.2% | $28M | $1.01 | 15.8% | 16.5% |
| 2018 | $12M | +1848.2% | $14M | $0.45 | 7.5% | 9.1% |
| 2017 | $-681,000 | -104.3% | -$18M | $-0.03 | -0.5% | -12.6% |
| 2016 | $16M | -59.2% | $18M | $0.61 | 10.9% | 12.0% |
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Start ComparisonCARE — Frequently Asked Questions
Quick answers to the most common questions about buying CARE stock.
Is CARE growing earnings?
CARE EPS is $1.43, with earnings growth accelerating to +32.1%. This exceeds the 5-year CAGR of N/A. TTM net income reached $31M.
What are CARE's profit margins?
Carter Bankshares, Inc. net margin is +12.3%, with operating margin at +15.7%. Margins sit within typical range for the sector.
How consistent are CARE's earnings?
CARE earnings data spans 2007-2025. The accelerating earnings trend is +32.1% YoY. Historical data enables comparison across business cycles.