CARE trades 20.3% below Wall Street's consensus target of $34.50.
Last 12 months price action with 12-month analyst target path
The base valuation assumes CARE achieves its forward estimates and maintains a stable P/E multiple of 4.7x. This scenario reflects the blended consensus of 5 Wall Street analysts, balancing both positive catalysts and macroeconomic headwinds over the next 12 months.
As of November 8, 2026, Carter Bankshares, Inc. (CARE) has a Wall Street consensus price target of $34.50, based on estimates from 5 covering analysts. With the stock currently trading at $28.69, this represents a potential upside of +20.3%. The company has a market capitalization of $636M.
Analyst price targets range from a low of $34.50 to a high of $34.50, representing a 0% spread in expectations. The median target of $34.50 aligns closely with the consensus average. The tight target dispersion indicates high conviction among analysts.
The current analyst consensus rating is Hold, with 0 analysts rating the stock as a Buy or Strong Buy,5 rating it Hold, and 0 rating it Sell or Strong Sell. The bearish sentiment suggests caution about the stock at current levels.
From a valuation perspective, CARE trades at a trailing P/E of 4.8x and forward P/E of 4.7x. Analysts expect EPS to grow +3.4% over the next year.
Our proprietary valuation model, which blends historical multiples with forward estimates, suggests a base-case price target of $104.89, with bear and bull scenarios of $66.08 and $138.20 respectively. Model confidence stands at 45/100, suggesting limited visibility into future performance.
| Company | Market Cap | Price | Target | Upside Potential | Rating | Fwd P/E | Analysts |
|---|---|---|---|---|---|---|---|
 NBTBNBT Bancorp Inc. | $2.7B | $52.83 | $57.67 | +9.2% | Hold | 12.6x | 10 |
 UVSPUnivest Financial Corporation | $1.1B | $40.47 | $32.50 | -19.7% | Hold | 11.0x | 6 |
 MNSBMainStreet Bancshares, Inc. | $157M | $22.11 | — | — | Hold | 10.6x | 1 |
 NKSHNational Bankshares, Inc. | $250M | $39.19 | — | — | Buy | 11.2x | 4 |
 UBSIUnited Bankshares, Inc. | $6.6B | $48.22 | $51.00 | +5.8% | Hold | 12.9x | 11 |
 FXNCFirst National Corporation | $275M | $30.42 | $21.00 | -31.0% | Buy | 11.6x | 1 |
 CFFIC&F Financial Corporation | $342M | $105.12 | $115.00 | +9.4% | Buy | 11.0x | 1 |
 FISFidelity National Information Services, Inc. | $14.8B | $28.73 | $42.93 | +49.4% | Hold | 4.6x | 40 |
 FISIFinancial Institutions, Inc. | $782M | $39.73 | $45.00 | +13.3% | Hold | 9.6x | 6 |
 JKHYJack Henry & Associates, Inc. | $12.3B | $173.23 | $188.50 | +8.8% | Buy | 25.3x | 24 |
Quick answers to the most common questions about buying CARE stock.
The consensus Wall Street price target for CARE is $34.5, representing 20.3% upside from the current price of $28.69. With 5 analysts covering the stock, this strong upside suggests significant value not yet reflected in today's share price.
CARE has a consensus rating of "Hold" based on 5 Wall Street analysts. The rating breakdown is mixed, with 5 Hold ratings making up the largest segment. The consensus 12-month price target of $34.5 implies 20.3% upside from current levels.
With a forward P/E of 4.711x, CARE trades at a relatively low valuation. The consensus target of $34.5 implies 20.3% appreciation, suggesting meaningful undervaluation.
The most bullish Wall Street analyst has a price target of $34.5 for CARE, while the most conservative target is $34.5. The consensus of $34.5 represents the median expectation. Our quantitative valuation model projects a bull case target of $138 based on optimistic growth and margin assumptions. These targets typically reflect 12-month expectations.
CARE is moderately covered, with 5 analysts providing price targets and ratings. Of these, 0 have Strong Buy ratings, 0 have Buy ratings, 5 recommend Hold, and 0 have Sell or Strong Sell ratings. Higher analyst coverage generally indicates greater institutional interest and more reliable consensus estimates.
The 12-month CARE stock forecast based on 5 Wall Street analysts shows a consensus price target of $34.5, with estimates ranging from $34.5 (bear case) to $34.5 (bull case). The median consensus rating is "Hold". Our proprietary valuation model produces a base case fair value of $105, with bear/bull scenarios of $66/$138.
Our quantitative valuation model calculates CARE's fair value at $105 (base case), with a bear case of $66 and bull case of $138. The model uses discounted cash flow analysis, historical growth rates, and margin mean-reversion to project FY+2 earnings, then applies an appropriate P/E multiple. The model confidence score is 45/100.
CARE trades at a forward P/E ratio of 4.7x based on next-twelve-months earnings estimates compared to a trailing P/E of 4.8x. The lower forward P/E indicates analysts expect earnings growth. A forward P/E is useful for comparing valuations when earnings are expected to change significantly.
Wall Street analysts are very optimistic on CARE, with a "Hold" consensus rating and $34.5 price target (20.3% upside). 0 of 5 analysts rate it Buy or Strong Buy. This information is for educational purposes only. Always conduct your own research, consider your financial situation, and consult a financial advisor before making investment decisions.
CARE analyst price targets range from $34.5 to $34.5, a 0% tight range reflecting strong analyst consensus. Differences stem from varying assumptions about revenue growth, profit margins, competitive dynamics, and valuation multiples. The $34.5 consensus represents the middle ground. Our model's $66-$138 range provides an independent fundamental perspective.
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