Last 48 quarters of trend data · Financial Services · Regional Banks
Quarterly valuation ratios — annualised for comparability. YoY Δ shows same-quarter-prior-year change.
| Metric | TTM | Q3 '26 | Q2 '26 | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 | Q1 '22 | Q4 '21 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| P/E Ratio → | 4.78 | 20.76 | 6.44 | 1.48 | 12.60 | 20.22 | 11.72 | 10.37 | 12.22 | 18.11 | 18.00 | 12.64 | — | 19.58 | 15.41 | 5.22 | 6.38 | 6.82 | 7.50 | 12.06 | 18.32 |
| — | +2.7% | -45.0% | -85.7% | +3.2% | +11.6% | -34.9% | -17.9% | — | -7.5% | +16.8% | +142.0% | — | +187.0% | +105.4% | -56.7% | -65.2% | -19.4% | -49.6% | +24.4% | -24.8% | |
| P/S Ratio | 2.43 | 3.52 | 2.70 | 1.19 | 2.70 | 2.84 | 2.73 | 2.57 | 3.05 | 3.01 | 2.63 | 2.20 | 2.99 | 2.26 | 2.81 | 1.85 | 2.15 | 2.32 | 2.16 | 3.44 | 3.08 |
| — | +24.2% | -0.8% | -53.6% | -11.5% | -5.7% | +3.7% | +16.7% | +2.0% | +33.3% | -6.3% | +19.1% | +39.1% | -2.6% | +29.9% | -46.2% | -30.3% | -13.4% | -18.4% | +29.7% | +37.7% | |
| P/B Ratio | 1.54 | 1.24 | 1.38 | 1.01 | 1.02 | 1.05 | 0.97 | 0.92 | 1.06 | 1.04 | 0.95 | 0.80 | 0.98 | 0.87 | 1.01 | 0.94 | 1.21 | 1.24 | 0.97 | 1.25 | 0.99 |
| — | +18.0% | +41.3% | +9.5% | -3.7% | +1.1% | +2.9% | +14.9% | +8.7% | +19.3% | -6.3% | -14.5% | -18.9% | -29.9% | +4.4% | -24.8% | +21.3% | +34.4% | +17.2% | +31.9% | +54.8% | |
| P/FCF | 11.80 | 30.06 | — | 0.42 | 11.94 | 10.53 | 12.87 | 19.07 | 12.29 | 11.90 | — | 4.41 | 14.19 | 9.90 | 28.00 | 4.06 | 4.63 | 5.08 | 6.41 | 9.59 | 6.62 |
| — | +185.6% | — | -97.8% | -2.9% | -11.5% | — | +332.7% | -13.3% | +20.2% | — | +8.6% | +206.1% | +95.0% | +336.9% | -57.7% | -30.0% | +81.9% | +66.9% | — | +60.7% | |
| EV / EBITDA | 4.15 | 24.85 | 4.45 | 0.63 | 9.58 | 13.74 | 8.14 | 6.44 | 6.94 | 10.95 | 16.99 | 13.76 | — | 31.01 | 24.21 | 7.82 | 6.64 | 4.24 | 4.50 | 6.99 | 3.95 |
| — | +80.8% | -45.3% | -90.3% | +38.0% | +25.6% | -52.1% | -53.2% | — | -64.7% | -29.8% | +76.0% | — | +631.4% | +438.5% | +11.9% | +68.2% | +29.5% | -0.9% | +86.6% | -3.7% | |
| EV / EBIT | 17.73 | 24.85 | 4.71 | 0.64 | 11.35 | 17.52 | 9.62 | 7.55 | 8.14 | 13.74 | 22.00 | 16.94 | — | 42.33 | 30.81 | 8.39 | 7.18 | 4.57 | 5.03 | 7.96 | 4.83 |
| — | +41.8% | -51.0% | -91.5% | +39.5% | +27.5% | -56.3% | -55.5% | — | -67.5% | -28.6% | +101.8% | — | +826.3% | +512.2% | +5.5% | +48.7% | +23.7% | -11.0% | +84.6% | -21.6% |
Quarterly margins and returns. Watch for margin compression across consecutive quarters.
| Metric | TTM | Q3 '26 | Q2 '26 | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 | Q1 '22 | Q4 '21 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | 102.5% | 77.6% | 97.9% | 131.9% | 105.7% | 91.5% | 107.3% | 105.9% | 115.0% | 100.7% | 99.2% | 100.1% | 87.9% | 96.9% | 98.6% | 96.7% | 99.2% | 99.8% | 94.4% | 98.8% | 98.1% |
| — | -15.2% | -8.8% | +24.5% | -8.1% | -9.1% | +8.2% | +5.8% | +30.8% | +3.9% | +0.7% | +3.5% | -11.4% | -2.9% | +4.4% | -2.1% | +1.1% | -1.5% | -4.5% | +3.5% | +15.8% | |
| Operating Margin | 26.1% | 13.8% | 54.2% | 102.9% | 27.8% | 18.8% | 29.3% | 30.9% | 31.8% | 21.1% | 18.1% | 22.1% | -6.6% | 13.8% | 18.6% | 45.4% | 41.3% | 46.0% | 33.6% | 32.7% | 21.2% |
| — | -26.4% | +85.1% | +233.2% | -12.6% | -11.0% | +62.3% | +39.7% | +584.8% | +52.4% | -2.9% | -51.3% | -115.9% | -69.9% | -44.7% | +38.7% | +94.9% | +33.2% | +65.6% | +10.1% | +117.5% | |
| Net Margin | 20.5% | 16.8% | 42.1% | 80.2% | 21.3% | 14.2% | 23.5% | 24.8% | 24.7% | 16.9% | 14.6% | 17.8% | -6.6% | 11.4% | 18.4% | 35.4% | 33.8% | 34.2% | 28.8% | 28.6% | 17.1% |
| — | +18.2% | +79.4% | +223.0% | -13.7% | -15.8% | +60.3% | +39.8% | +475.9% | +48.3% | -20.5% | -49.8% | -119.4% | -66.7% | -36.1% | +23.5% | +98.2% | +7.1% | +65.1% | +5.9% | +83.1% |
| Metric | TTM | Q3 '26 | Q2 '26 | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 | Q1 '22 | Q4 '21 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE | 7.8% | 1.5% | 5.5% | 18.6% | 2.0% | 1.3% | 2.1% | 2.3% | 2.1% | 1.5% | 1.3% | 1.6% | -0.6% | 1.1% | 1.6% | 4.7% | 4.9% | 4.4% | 3.1% | 2.4% | 1.4% |
| — | +10.0% | +162.7% | +714.4% | -5.1% | -11.6% | +58.8% | +39.2% | +487.8% | +39.4% | -18.6% | -64.9% | -111.4% | -75.8% | -47.6% | +91.7% | +251.8% | +60.0% | +125.4% | +7.5% | +105.1% | |
| ROA | 0.7% | 0.2% | 0.6% | 1.8% | 0.2% | 0.1% | 0.2% | 0.2% | 0.2% | 0.1% | 0.1% | 0.1% | -0.0% | 0.1% | 0.1% | 0.4% | 0.4% | 0.3% | 0.3% | 0.2% | 0.1% |
| — | +44.6% | +235.5% | +829.0% | -2.0% | -8.5% | +69.8% | +49.2% | +524.2% | +49.9% | -18.9% | -65.5% | -111.2% | -76.5% | -50.1% | +64.7% | +176.6% | +29.2% | +98.8% | +0.2% | +91.7% | |
| ROIC | 5.7% | 0.9% | 5.3% | 15.0% | 1.4% | 1.0% | 1.6% | 1.8% | 1.7% | 1.0% | 0.7% | 0.8% | -0.2% | 0.4% | 0.6% | 2.3% | 3.3% | 4.3% | 2.7% | 2.1% | 1.2% |
| — | -9.1% | +227.5% | +716.1% | -18.6% | -0.8% | +133.8% | +138.9% | +1065.2% | +137.0% | +25.3% | -67.0% | -105.4% | -90.4% | -79.5% | +12.7% | +166.8% | +104.4% | +143.3% | +19.4% | +151.6% |
Quarterly solvency trend — watch for debt spikes or covenant pressure.
| Metric | TTM | Q3 '26 | Q2 '26 | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 | Q1 '22 | Q4 '21 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 0.43 | 0.04 | — | — | 0.43 | 0.43 | 0.28 | 0.14 | 0.18 | 0.23 | 0.65 | 0.86 | 1.12 | 1.56 | 1.21 | 1.23 | 0.60 | 0.10 | — | — | 0.02 |
| — | -91.1% | — | — | +133.5% | +82.7% | -57.2% | -84.2% | -83.7% | -85.0% | -45.8% | -29.5% | +85.5% | +1531.9% | — | — | +3415.7% | +28.9% | — | — | -78.4% | |
| Debt / EBITDA | 3.73 | 3.14 | — | — | 13.60 | 19.25 | 9.03 | 4.22 | 5.59 | 10.20 | 31.01 | 34.86 | — | 85.45 | 56.65 | 19.82 | 9.61 | 1.43 | — | — | 0.82 |
| — | -83.7% | — | — | +143.2% | +88.6% | -70.9% | -87.9% | — | -88.1% | -45.3% | +75.9% | — | +5862.5% | — | — | +1071.7% | -34.7% | — | — | -89.1% | |
| Current Ratio | 0.12 | — | 0.01 | 0.14 | 0.12 | 0.20 | 0.20 | 0.20 | 0.20 | 0.21 | 0.21 | 0.23 | 0.22 | 0.24 | 0.24 | 0.27 | 0.24 | 0.25 | 0.26 | 0.29 | 0.32 |
| — | — | -95.2% | -30.6% | -43.3% | -4.4% | -2.7% | -13.2% | -8.7% | -13.1% | -14.7% | -14.3% | -7.4% | -3.0% | -6.3% | -8.6% | -25.4% | -19.7% | -10.1% | +8.0% | +17.2% | |
| Quick Ratio | 0.12 | — | 0.01 | 0.14 | 0.12 | 0.20 | 0.20 | 0.20 | 0.20 | 0.21 | 0.21 | 0.23 | 0.22 | 0.24 | 0.24 | 0.27 | 0.24 | 0.25 | 0.26 | 0.29 | 0.32 |
| — | — | -95.2% | -30.6% | -43.3% | -4.4% | -2.7% | -13.2% | -8.7% | -13.1% | -14.7% | -14.3% | -7.4% | -3.0% | -6.3% | -8.6% | -25.4% | -19.7% | -10.1% | +8.0% | +17.2% | |
| Interest Coverage | 0.39 | 0.31 | 1.73 | 4.73 | 0.45 | 0.28 | 0.42 | 0.43 | 0.39 | 0.25 | 0.22 | 0.28 | -0.08 | 0.21 | 0.34 | 1.83 | 2.85 | 4.22 | 2.79 | 2.39 | 1.43 |
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Includes 30+ ratios · 48 years · Updated daily
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Quick answers to the most common questions about buying CARE stock.
Carter Bankshares, Inc.'s current P/E is 4.8x. The average P/E over the last 4 quarters is 10.3x. Quarterly P/E ratios can vary due to seasonal revenue patterns and one-time charges.
Carter Bankshares, Inc.'s current operating margin is 26.1%. Margins have been compressing over recent quarters. Quarterly margins are particularly useful for identifying trend inflections that annual data smooths over.
Quarterly financial ratios reveal short-term trend shifts — margin compression, debt spikes, or valuation re-ratings — that annual figures smooth over. They're essential for active investors tracking Carter Bankshares, Inc.'s business trajectory between earnings reports.