Last 47 quarters of trend data · Financial Services · Banks - Regional
Quarterly valuation ratios — annualised for comparability. YoY Δ shows same-quarter-prior-year change.
Carter Bankshares, Inc.'s quarterly P/E stands at 12.6x, up 3.2% year-over-year. EV/EBITDA has expanded 63.5% YoY to 11.3x, reflecting rising market expectations or slowing EBITDA growth.
| Metric | TTM | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| P/E Ratio → | 18.71 | 12.60 | 20.22 | 11.72 | 10.37 | 12.22 | 18.11 | 18.00 | 12.64 | — | 19.58 | 15.41 | 5.22 |
| — | +3.2% | +11.6% | -34.9% | -17.9% | — | -7.5% | +16.8% | +142.0% | — | +187.0% | +105.4% | -56.7% | |
| P/S Ratio | 2.28 | 1.67 | 1.70 | 1.60 | 1.49 | 1.68 | 1.64 | 1.45 | 1.23 | 1.61 | 1.35 | 1.81 | 1.48 |
| — | -0.8% | +3.7% | +10.2% | +21.2% | +3.9% | +21.8% | -19.7% | -16.7% | -13.9% | -35.5% | -6.0% | -51.0% | |
| P/B Ratio | 1.40 | 1.02 | 1.05 | 0.97 | 0.92 | 1.06 | 1.04 | 0.95 | 0.80 | 0.98 | 0.87 | 1.01 | 0.94 |
| — | -3.7% | +1.1% | +2.9% | +14.9% | +8.7% | +19.3% | -6.3% | -14.5% | -18.9% | -29.9% | +4.4% | -24.8% | |
| P/FCF | 18.25 | 15.11 | 10.53 | 12.87 | 19.07 | 12.29 | 11.90 | — | 4.41 | 14.19 | 9.90 | 28.00 | 4.06 |
| — | +22.9% | -11.5% | — | +332.7% | -13.3% | +20.2% | — | +8.6% | +206.1% | +95.0% | +336.9% | -57.7% | |
| EV / EBITDA | 16.34 | 11.35 | 13.74 | 8.14 | 6.44 | 6.94 | 10.95 | 16.99 | 13.76 | — | 31.01 | 24.21 | 7.82 |
| — | +63.5% | +25.6% | -52.1% | -53.2% | — | -64.7% | -29.8% | +76.0% | — | +631.4% | +438.5% | +11.9% | |
| EV / EBIT | 16.34 | 11.35 | 17.52 | 9.62 | 7.55 | 8.14 | 13.74 | 22.00 | 16.94 | — | 42.33 | 30.81 | 8.39 |
| — | +39.5% | +27.5% | -56.3% | -55.5% | — | -67.5% | -28.6% | +101.8% | — | +826.3% | +512.2% | +5.5% |
Quarterly margins and returns. Watch for margin compression across consecutive quarters.
Carter Bankshares, Inc.'s operating margin was 17.2% in Q4 2025, up 5.9 pp QoQ and down 0.4 pp YoY. The trailing four-quarter average of 15.9% lags the current quarter, suggesting the recent improvement is above-trend.
| Metric | TTM | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | 61.7% | 65.2% | 54.9% | 63.2% | 61.7% | 63.3% | 54.9% | 54.9% | 56.1% | 47.5% | 57.9% | 63.6% | 77.5% |
| — | +3.0% | -0.1% | +15.0% | +9.9% | +33.3% | -5.1% | -13.7% | -27.6% | -45.2% | -35.7% | -24.5% | -10.9% | |
| Operating Margin | 15.7% | 17.2% | 11.3% | 17.2% | 18.0% | 17.5% | 11.5% | 10.0% | 12.4% | -3.6% | 8.3% | 12.0% | 36.4% |
| — | -2.1% | -2.1% | +72.6% | +45.0% | +594.0% | +39.2% | -16.8% | -65.9% | -109.8% | -80.1% | -60.0% | +26.3% | |
| Net Margin | 12.3% | 13.1% | 8.5% | 13.8% | 14.5% | 13.6% | 9.2% | 8.1% | 10.0% | -3.5% | 6.8% | 11.9% | 28.4% |
| — | -3.3% | -7.4% | +70.4% | +45.2% | +483.1% | +35.4% | -31.9% | -64.9% | -112.0% | -77.9% | -53.8% | +12.5% |
| Metric | TTM | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE | 7.8% | 2.0% | 1.3% | 2.1% | 2.3% | 2.1% | 1.5% | 1.3% | 1.6% | -0.6% | 1.1% | 1.6% | 4.7% |
| — | -5.1% | -11.6% | +58.8% | +39.2% | +487.8% | +39.4% | -18.6% | -64.9% | -111.4% | -75.8% | -47.6% | +91.7% | |
| ROA | 0.7% | 0.2% | 0.1% | 0.2% | 0.2% | 0.2% | 0.1% | 0.1% | 0.1% | -0.0% | 0.1% | 0.1% | 0.4% |
| — | -2.0% | -8.5% | +69.8% | +49.2% | +524.2% | +49.9% | -18.9% | -65.5% | -111.2% | -76.5% | -50.1% | +64.7% | |
| ROIC | 5.7% | 1.4% | 1.0% | 1.6% | 1.8% | 1.7% | 1.0% | 0.7% | 0.8% | -0.2% | 0.4% | 0.6% | 2.3% |
| — | -18.6% | -0.8% | +133.8% | +138.9% | +1065.2% | +137.0% | +25.3% | -67.0% | -105.4% | -90.4% | -79.5% | +12.7% |
Quarterly solvency trend — watch for debt spikes or covenant pressure.
Carter Bankshares, Inc.'s Debt/EBITDA ratio is 16.1x, down from 19.2x last quarter — elevated, raising questions about debt serviceability. The current ratio has improved 2686.2% YoY to 5.70x, strengthening the short-term liquidity position.
| Metric | TTM | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 0.43 | 0.43 | 0.43 | 0.28 | 0.14 | 0.18 | 0.23 | 0.65 | 0.86 | 1.12 | 1.56 | 1.21 | 1.23 |
| — | +133.5% | +82.7% | -57.2% | -84.2% | -83.7% | -85.0% | -45.8% | -29.5% | +85.5% | +1531.9% | — | — | |
| Debt / EBITDA | 4.46 | 16.11 | 19.25 | 9.03 | 4.22 | 5.59 | 10.20 | 31.01 | 34.86 | — | 85.45 | 56.65 | 19.82 |
| — | +188.1% | +88.6% | -70.9% | -87.9% | — | -88.1% | -45.3% | +75.9% | — | +5862.5% | — | — | |
| Current Ratio | 0.75 | 5.70 | 0.20 | 0.20 | 0.20 | 0.20 | 0.21 | 0.21 | 0.23 | 0.22 | 0.24 | 0.24 | 0.27 |
| — | +2686.2% | -4.4% | -2.7% | -13.2% | -8.7% | -13.1% | -14.7% | -14.3% | -7.4% | -3.0% | -6.3% | -8.6% | |
| Quick Ratio | 0.75 | 5.70 | 0.20 | 0.20 | 0.20 | 0.20 | 0.21 | 0.21 | 0.23 | 0.22 | 0.24 | 0.24 | 0.27 |
| — | +2686.2% | -4.4% | -2.7% | -13.2% | -8.7% | -13.1% | -14.7% | -14.3% | -7.4% | -3.0% | -6.3% | -8.6% | |
| Interest Coverage | 0.39 | 0.45 | 0.28 | 0.42 | 0.43 | 0.39 | 0.25 | 0.22 | 0.28 | -0.08 | 0.21 | 0.34 | 1.83 |
| — | — | — | — | — | — | — | — | — | — | — | — | — |
Includes 30+ ratios · 47 years · Updated daily
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Carter Bankshares, Inc.'s current P/E is 18.7x. The average P/E over the last 4 quarters is 13.7x. Quarterly P/E ratios can vary due to seasonal revenue patterns and one-time charges.
Carter Bankshares, Inc.'s current operating margin is 15.7%. 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.