Carter Bankshares, Inc. (CARE) Earnings History
Profitable19 years of earnings data (2007–2025) · Positive TTM net income
Loading earnings history...
Carter Bankshares, Inc. (CARE) Earnings Overview
As of November 8, 2026, Carter Bankshares, Inc. (CARE) reported trailing twelve-month net income of $131M, reflecting +32.1% year-over-year growth. The company earned $6.00 per diluted share over the past four quarters, with a net profit margin of 20.5%.
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 industry-leading profitability with a gross margin of 102.5%, operating margin of 26.1%, and net margin of 20.5%. This margin structure demonstrates strong pricing power and operational efficiency. View revenue history →
Compared to peers including NBTB ($218M net income, 25.7% margin), UVSP ($94M net income, 27.7% margin), MNSB ($16M net income, 21.1% 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 | 20.5% | 26.1% |
| 2024 | $25M | +4.9% | $31M | $1.06 | 18.5% | 23.3% |
| 2023 | $23M | -53.3% | $29M | $1.00 | 17.0% | 20.9% |
| 2022 | $50M | +58.7% | $62M | $2.03 | 31.5% | 38.8% |
| 2021 | $32M | +168.9% | $36M | $1.20 | 23.6% | 26.7% |
| 2020 | -$46M | -272.6% | -$45M | $-1.74 | -35.8% | -35.2% |
| 2019 | $27M | +123.2% | $28M | $1.01 | 21.9% | 22.8% |
| 2018 | $12M | +1848.2% | $14M | $0.45 | 9.9% | 11.9% |
| 2017 | $-681,000 | -104.3% | -$18M | $-0.03 | -0.6% | -17.0% |
| 2016 | $16M | -59.2% | $18M | $0.61 | 15.9% | 17.6% |
| 2015 | $39M | +17.0% | $49M | $1.49 | 33.5% | 42.3% |
| 2014 | $33M | +28.3% | $43M | $1.27 | 29.4% | 38.0% |
| 2013 | $26M | -14.1% | $35M | $0.99 | 24.7% | 33.3% |
| 2012 | $30M | +0.8% | $41M | $1.16 | 27.2% | 36.8% |
| 2011 | $30M | +32.1% | $38M | $1.15 | 27.9% | 35.5% |
| 2010 | $23M | +28.2% | $27M | $0.87 | 23.1% | 27.5% |
| 2009 | $18M | +83.1% | $18M | $0.68 | 11.2% | 11.5% |
| 2008 | $10M | -26.3% | $10M | $0.38 | 6.4% | 6.6% |
| 2007 | $13M | - | $16M | $0.53 | 8.4% | 10.4% |
Download Data
Export CARE earnings history in CSV or JSON format
Free sign-in required to download data
CARE Chart Terminal
Live VCP patterns, Cup & Handle overlays, support/resistance, and AI trade plans.
Live Breakouts Feed
High-probability breakout stocks crossing their pivot across 5 pattern engines.
Intrinsic Valuation
DCF models, multiple analysis, and analyst estimates.
Historical Returns
19+ years return with dividends reinvested.
Peer Comparison
Compare growth, multiples, and margins vs sector.
CARE — Frequently Asked Questions
Quick answers to the most common questions about buying CARE stock.
What is CARE earnings per share (EPS)?
CARE trailing twelve-month (TTM) diluted EPS is $6.00, reflecting +32.1% year-over-year growth. The 5-year EPS CAGR is N/A. Complete EPS history from 2007 to 2025 is available in the table on this page.
What is Carter Bankshares, Inc.'s net income?
Carter Bankshares, Inc. (CARE) trailing twelve-month net income is $131M as of 2025. Earnings grew +32.1% year-over-year. Carter Bankshares, Inc. has been profitable for 5 consecutive years.
Is CARE profitable?
Yes, CARE is profitable with a TTM net income of $131M and a net profit margin of +20.5%. Carter Bankshares, Inc. has generated profits for 5 consecutive years.
What is CARE's earnings growth rate?
CARE compound annual EPS growth rates (CAGR): 1-Year: +32.1%, 3-Year: -11.6%, 5-Year: N/A, 10-Year: -0.6%. These figures measure the annualised rate of diluted EPS growth over each period, based on data from 2007 to 2025.
What are CARE's profit margins?
Carter Bankshares, Inc. net profit margin is +20.5%, operating margin is +26.1%, and gross margin is +102.5%. Above-average net margins reflect strong pricing power and competitive moat. Return on Equity is +7.8%.
Is CARE growing earnings?
Yes, CARE earnings are accelerating — EPS growth of +32.1% exceeds the 5-year CAGR of N/A. TTM net income reached $131M. Earnings momentum is strengthening.
What was CARE's best earnings year?
Carter Bankshares, Inc.'s highest annual net income on record is $50M, achieved in fiscal year 2022. Earnings history on this page spans 2007 to 2025 and includes all annual and quarterly figures.
What were CARE's earnings last quarter?
CARE's most recent reported quarter was Q3 2026. Net income was $8M with diluted EPS of $0.36. For a full breakdown of all quarters, see the quarterly earnings table on this page.