Carter Bankshares, Inc. (CARE) P/E Ratio History
Deep ValueTrading at 4.8x · 5th percentile of 5-year range · Significant discount to historical valuation · Data 2012–2026
Loading P/E history...
P/E Ratio Analysis
As of November 9, 2026, Carter Bankshares, Inc. (CARE) trades at a price-to-earnings ratio of 4.8x, with a stock price of $28.69 and trailing twelve-month earnings per share of $6.00.
The current P/E is 63% below its 5-year average of 12.8x. Over the past five years, CARE's P/E has ranged from a low of 4.7x to a high of 28.1x, placing the current valuation at the 5th percentile of its historical range.
Compared to the Financial Services sector median P/E of 12.1x, CARE trades at a 60% discount to its sector peers. The sector includes 763 companies with P/E ratios ranging from 0.0x to 190.1x.
Relative to the broader market, CARE trades at a notable discount to the S&P 500 median P/E of 21.8x. Investors should consider the company's growth prospects, competitive position, and earnings quality when evaluating whether the current valuation is justified.
For a comprehensive intrinsic value estimate using discounted cash flow analysis, see our CARE DCF Valuation Calculator →
Note: P/E ratio is just one valuation metric. It does not account for balance sheet strength, cash flow quality, or growth sustainability. Always conduct comprehensive due diligence before making investment decisions.
CARE Cross-Benchmark Valuation
How does the current P/E compare to sector peers and the broader market?
CARE P/E vs Peers
Small-Cap Community Banks peers sorted by market cap
| Company | Market Cap | P/E Ratio | PEG Ratio | EPS Growth (1Y) |
|---|---|---|---|---|
| $3B | 12.7 | 1.80 | +13% | |
| $1B | 11.9 | 0.82 | +22% | |
| $157M | 9.6 | - | +210% | |
| $250M | 11.7 | - | +101% | |
| $7B | 12.9 | 2.02 | +19% | |
| $275M | 12.0 | 8.03 | +96% | |
| $342M | 11.3 | 1.75 | +38% | |
| $15B | 4.3Lowest | 0.18Best | -47% | |
| $782M | 9.6 | 1.02 | +231%Best | |
| $12B | 23.4 | 2.11 | +12% |
Lower P/E can signal a discount or weaker growth expectations; PEG adds growth context.
CARE Historical P/E Data (2012–2026)
Quarterly P/E ratios calculated from closing price and TTM EPS
| Quarter | Period End | Price | TTM EPS | P/E Ratio | vs Avg |
|---|---|---|---|---|---|
| FY2026 Q3 | Sep 30 2026 | $29.89 | $6.00 | 5.0x | -87% |
| FY2026 Q2 | - | $34.01 | $5.88 | 5.8x | -85% |
| FY2026 Q1 | - | $23.32 | $4.93 | 4.7x | -88% |
| FY2025 Q4 | Dec 31 2025 | $19.66 | $1.39 | 14.1x | -63% |
| FY2025 Q3 | - | $19.41 | $1.36 | 14.3x | -62% |
| FY2025 Q2 | Jun 30 2025 | $17.34 | $1.36 | 12.8x | -66% |
| FY2025 Q1 | Mar 31 2025 | $16.18 | $1.20 | 13.5x | -64% |
| FY2024 Q4 | - | $17.59 | $1.06 | 16.6x | -56% |
| FY2024 Q3 | Sep 30 2024 | $17.39 | $0.62 | 28.1x | -26% |
| FY2024 Q2 | Jun 30 2024 | $15.12 | $0.54 | 28.1x | -26% |
| FY2024 Q1 | Mar 31 2024 | $12.64 | $0.57 | 22.2x | -41% |
| FY2023 Q4 | Dec 31 2023 | $14.97 | $0.99 | 15.1x | -60% |
| FY2023 Q3 | Sep 30 2023 | $12.53 | $1.72 | 7.3x | -81% |
| FY2023 Q2 | Jun 30 2023 | $14.79 | $2.15 | 6.9x | -82% |
| FY2023 Q1 | Mar 31 2023 | $14.00 | $2.35 | 6.0x | -84% |
| FY2022 Q4 | Dec 31 2022 | $16.59 | $2.04 | 8.1x | -79% |
| FY2022 Q3 | Sep 30 2022 | $16.10 | $1.60 | 10.1x | -73% |
| FY2022 Q2 | - | $13.20 | $1.43 | 9.2x | -76% |
| FY2022 Q1 | - | $17.37 | $1.20 | 14.5x | -62% |
| FY2021 Q4 | Dec 31 2021 | $15.39 | $1.20 | 12.8x | -66% |
| FY2021 Q3 | - | $14.22 | $1.10 | 12.9x | -66% |
| FY2020 Q2 | - | $8.07 | $0.77 | 10.5x | -72% |
| FY2020 Q1 | - | $9.18 | $0.90 | 10.2x | -73% |
| FY2019 Q4 | - | $23.72 | $1.02 | 23.3x | -39% |
| FY2019 Q3 | Sep 30 2019 | $18.89 | $1.01 | 18.7x | -51% |
| FY2019 Q2 | Jun 30 2019 | $19.75 | $0.43 | 45.9x | +21% |
| FY2019 Q1 | Mar 31 2019 | $19.19 | $0.40 | 48.0x | +27% |
| FY2018 Q4 | Dec 31 2018 | $14.89 | $0.45 | 33.1x | -13% |
| FY2018 Q3 | Sep 30 2018 | $19.26 | $0.14 | 137.6x | +263% |
| FY2018 Q2 | Jun 30 2018 | $17.83 | $0.41 | 43.5x | +15% |
| FY2018 Q1 | Mar 31 2018 | $16.93 | $0.08 | 211.6x | +459% |
| FY2017 Q3 | Sep 30 2017 | $16.93 | $0.02 | 846.5x | +2136% |
| FY2017 Q2 | Jun 30 2017 | $15.39 | $0.24 | 64.1x | +69% |
| FY2017 Q1 | Mar 31 2017 | $16.78 | $0.54 | 31.1x | -18% |
| FY2016 Q4 | Dec 31 2016 | $13.20 | $0.62 | 21.3x | -44% |
| FY2016 Q3 | Sep 30 2016 | $13.06 | $1.23 | 10.6x | -72% |
| FY2016 Q2 | - | $12.46 | $1.39 | 9.0x | -76% |
| FY2016 Q1 | - | $13.34 | $1.49 | 9.0x | -76% |
| FY2015 Q4 | - | $13.10 | $1.49 | 8.8x | -77% |
| FY2015 Q3 | Sep 30 2015 | $12.13 | $1.38 | 8.8x | -77% |
| FY2015 Q2 | - | $12.60 | $1.32 | 9.5x | -75% |
| FY2015 Q1 | - | $12.47 | $1.30 | 9.6x | -75% |
| FY2014 Q4 | Dec 31 2014 | $11.94 | $1.27 | 9.4x | -75% |
| FY2014 Q3 | - | $11.00 | $1.15 | 9.6x | -75% |
| FY2014 Q2 | Jun 30 2014 | $10.91 | $1.10 | 9.9x | -74% |
| FY2014 Q1 | Mar 31 2014 | $10.39 | $1.01 | 10.3x | -73% |
| FY2013 Q4 | - | $10.07 | $0.99 | 10.2x | -73% |
| FY2013 Q3 | Sep 30 2013 | $10.07 | $0.99 | 10.2x | -73% |
| FY2013 Q2 | Jun 30 2013 | $9.53 | $1.06 | 9.0x | -76% |
| FY2013 Q1 | Mar 31 2013 | $8.44 | $1.12 | 7.5x | -80% |
| FY2012 Q4 | Dec 31 2012 | $7.86 | $1.16 | 6.8x | -82% |
| FY2012 Q3 | Sep 30 2012 | $7.86 | $1.06 | 7.4x | -80% |
Average P/E for displayed period: 37.9x
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
14+ 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's P/E ratio?
Carter Bankshares, Inc. (CARE) trailing twelve-month P/E ratio is 4.8x, based on TTM diluted EPS of $6.00. The 5-year average P/E is 12.8x and the historical range spans 4.7x to 28.1x.
Is CARE stock overvalued or undervalued?
CARE trades at 4.8x P/E, below its 5-year average of 12.8x. At the 5th percentile of its historical range (4.7x–28.1x), the stock is priced at a discount to its own history.
Is CARE stock expensive?
No, CARE is not expensive on a historical basis. The current P/E of 4.8x is below the 5-year average of 12.8x and sits at the 5th percentile of its valuation range.
What is CARE's historical P/E range?
Over the past 5 years, CARE's P/E ratio has ranged from 4.7x to 28.1x, with a median of 12.8x and an average of 12.8x. The current P/E of 4.8x places the stock at the 5th percentile of this range. Full historical data spans 2012–2026.
How does CARE's P/E compare to the S&P 500?
CARE trades at 4.8x P/E versus the S&P 500 median of 21.8x. The 78% discount to the market suggests lower growth expectations or perceived higher risk.
How does CARE's valuation compare to Financial Services peers?
Carter Bankshares, Inc. P/E of 4.8x compares to the Financial Services sector median of 12.1x. The discount suggests lower growth expectations, weaker margins, or higher perceived risk relative to peers. See the peer comparison table on this page for ticker-by-ticker P/E and PEG.
What is CARE's PEG ratio?
CARE PEG ratio is N/A, based on a P/E of 4.8x and EPS growth of 32.1%. PEG normalises P/E by growth and helps compare stocks with different earnings trajectories.
What is CARE's earnings yield?
CARE earnings yield is 20.93%, the inverse of its 4.8x P/E ratio. Earnings yield represents the percentage of each dollar invested that the company earns. It can be compared directly to bond yields to assess relative attractiveness of stocks versus fixed income.