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Carter Bankshares, Inc. (CARE)

NASDAQ: CARE · USD

$30.1

-0.18 (-0.6%)· Recorded snapshot

Market cap	668M
Revenue (ttm)	286.2M
Net income (ttm)	126.9M
EPS (ttm)	$5.77
Shares out	22.2M
P/E (trailing)	5.2x
P/E (forward)	12.8x
Dividend	$0.40 (1.33%)
Volume	99,239
Beta	0.59

Market data

Price

Recent price action with selectable time range.

Ticker	Name	Market cap	P/E	P/S	ROIC	5Y rev CAGR	1Y total return	Rating
ACGL	Arch Capital Group Ltd.	34.8B	8.3x	1.8x	15.9%	+15.1%	+18.7%	Acquisto forte
AIG	American International Group Inc.	41.7B	14.7x	1.6x	7.7%	-9.6%	+2.8%	Acquisto forte
AIZ	Assurant, Inc.	14.1B	13.6x	1.0x	14.4%	+6.6%	+36.2%	Mantenere

Metric	Value
Amount currency	USD
CIK code	0001829576
Company name	Carter Bankshares, Inc.
Country	United States
Country code	US
CUSIP number	146103106
Earnings date	2026-11-10
Earnings time	bmo
Employees	687
Employees change	7
Employees growth	1.03%
Enterprise value	$459.9M
Exchange	NASDAQ
Financial currency	USD
Financial report date	2026-06-30
First seen	2026-05-09
Fiscal year end	December
Founded	1974
In index	RUSSELL2000
Industry	Banks - Regional
Is primary listing	Yes
Is SPAC	No
ISIN number	US1461031064
Last 10-K release date	2026-03-05
Last earnings date	2026-07-23
Last refreshed	2026-10-28
Last stock split type	Never
Market cap	$668M
Market cap category	Small-Cap
Next earnings date	2026-11-10
Options	Yes
Price	$30.14
Price currency	USD
Sector	Financials
SIC code	6021
Stock price date	2026-10-28
Symbol	CARE
U.S. state	Virginia
Website	https://www.carterbank.com

Metric

Value

Amount currency

USD

CIK code

0001829576

Company name

Carter Bankshares, Inc.

Country

United States

Country code

CUSIP number

146103106

Earnings date

2026-11-10

Earnings time

bmo

Employees

687

Employees change

Employees growth

1.03%

Enterprise value

$459.9M

Exchange

NASDAQ

Financial currency

USD

Financial report date

2026-06-30

First seen

2026-05-09

Fiscal year end

December

Founded

1974

In index

RUSSELL2000

Industry

Banks - Regional

Is primary listing

Yes

Is SPAC

ISIN number

US1461031064

Last 10-K release date

2026-03-05

Last earnings date

2026-07-23

Last refreshed

2026-10-28

Last stock split type

Never

Market cap

$668M

Market cap category

Small-Cap

Next earnings date

2026-11-10

Options

Yes

Price

$30.14

Price currency

USD

Sector

Financials

SIC code

6021

Stock price date

2026-10-28

Symbol

CARE

U.S. state

Virginia

Website

https://www.carterbank.com

Metric	Value
Adjusted P/E ratio	18.84x
Average P/E ratio (10Y)	53.49x
Average P/E ratio (3Y)	15.28x
Average P/E ratio (5Y)	13.15x
Earnings yield	19.16%
EV/Earnings	3.63x
EV/FCF	7.83x
EV/Sales	1.61x
FCF / EV yield	12.77%
FCF yield	8.79%
Forward EV/Sales	2.45x
Forward P/E	12.84x
Forward P/S	3.56x
Graham number	56.21579
Graham upside	86.5%
Industry forward P/E	10.04x
Industry P/E	11.85x
Lynch fair value	$144.34
Lynch upside	378.85%
P/B ratio	1.25x
P/E ratio	5.22x
P/FCF ratio	11.37x
P/OCF ratio	9.93x
P/S ratio	2.33x
PEG ratio	0.44x
Price / tangible book value	1.24x
Sector forward P/E	13.63x
Sector P/E	15.65x

Metric

Value

Adjusted P/E ratio

18.84x

Average P/E ratio (10Y)

53.49x

Average P/E ratio (3Y)

15.28x

Average P/E ratio (5Y)

13.15x

Earnings yield

19.16%

EV/Earnings

3.63x

EV/FCF

7.83x

EV/Sales

1.61x

FCF / EV yield

12.77%

FCF yield

8.79%

Forward EV/Sales

2.45x

Forward P/E

12.84x

Forward P/S

3.56x

Graham number

56.21579

Graham upside

86.5%

Industry forward P/E

10.04x

Industry P/E

11.85x

Lynch fair value

$144.34

Lynch upside

378.85%

P/B ratio

1.25x

P/E ratio

5.22x

P/FCF ratio

11.37x

P/OCF ratio

9.93x

P/S ratio

2.33x

PEG ratio

0.44x

Price / tangible book value

1.24x

Sector forward P/E

13.63x

Sector P/E

15.65x

Metric	Value
Effective tax rate	22.32%
FCF margin	20.53%
Operating margin	59.46%
Pretax margin	57.83%
Profit margin	44.92%
Profit per employee	$184,690
Profitable quarters	10
Profitable years	5
Revenue per employee	$416,611
ROA	2.68%
ROA (5Y)	0.74%
ROE	27.22%
ROE (5Y)	8.48%
SBC / revenue	0.77%
Tax / revenue	12.91%

Metric

Value

Effective tax rate

22.32%

FCF margin

20.53%

Operating margin

59.46%

Pretax margin

57.83%

Profit margin

44.92%

Profit per employee

$184,690

Profitable quarters

Profitable years

Revenue per employee

$416,611

ROA

2.68%

ROA (5Y)

0.74%

ROE

27.22%

ROE (5Y)

8.48%

SBC / revenue

0.77%

Tax / revenue

12.91%

Metric	Value
EPS growth	324.79%
EPS growth (Q)	253.88%
EPS growth (QoQ)	-66.32%
EPS growth 10Y	15.34%
EPS growth 3Y	38.99%
EPS growth quarters	3
EPS growth years	2
FCF growth	100.66%
FCF growth 3Y	-2.93%
FCF growth 5Y	30.22%
Net income growth	309.81%
Net income growth (Q)	239.73%
Net income growth (QoQ)	-66.34%
Net income growth 3Y	35.23%
Net income growth quarters	3
Net income growth years	2
OCF growth	78.22%
OCF growth 10Y	5.93%
OCF growth 3Y	-2.95%
OCF growth 5Y	24.83%
Revenue growth	86.92%
Revenue growth (Q)	68.35%
Revenue growth (QoQ)	-52.34%
Revenue growth 10Y	9.79%
Revenue growth 3Y	20.03%
Revenue growth 5Y	18.23%
Revenue growth quarters	9
Revenue growth years	2

Metric

Value

EPS growth

324.79%

EPS growth (Q)

253.88%

EPS growth (QoQ)

-66.32%

EPS growth 10Y

15.34%

EPS growth 3Y

38.99%

EPS growth quarters

EPS growth years

FCF growth

100.66%

FCF growth 3Y

-2.93%

FCF growth 5Y

30.22%

Net income growth

309.81%

Net income growth (Q)

239.73%

Net income growth (QoQ)

-66.34%

Net income growth 3Y

35.23%

Net income growth quarters

Net income growth years

OCF growth

78.22%

OCF growth 10Y

5.93%

OCF growth 3Y

-2.95%

OCF growth 5Y

24.83%

Revenue growth

86.92%

Revenue growth (Q)

68.35%

Revenue growth (QoQ)

-52.34%

Revenue growth 10Y

9.79%

Revenue growth 3Y

20.03%

Revenue growth 5Y

18.23%

Revenue growth quarters

Revenue growth years

Metric	Value
Capital expenditures	$-8.5M
EPS	$5.77
FCF per share	$2.65
Financing cash flow	$-154.1M
Free cash flow	$58.8M
Gross profit	$286.2M
Income taxes	$36.9M
Investing cash flow	$263.5M
Net borrowing	$-113.5M
Net cash flow	$176.6M
Net income	$126.9M
Operating income	$170.2M
Revenue	$286.2M
Stock-based compensation	$2.2M

Metric

Value

Capital expenditures

$-8.5M

EPS

$5.77

FCF per share

$2.65

Financing cash flow

$-154.1M

Free cash flow

$58.8M

Gross profit

$286.2M

Income taxes

$36.9M

Investing cash flow

$263.5M

Net borrowing

$-113.5M

Net cash flow

$176.6M

Net income

$126.9M

Operating income

$170.2M

Revenue

$286.2M

Stock-based compensation

$2.2M

Metric	Value
Book value per share	$24.33
Debt / equity	0.02
Debt / FCF	0.19
Goodwill	$1.2M
Net cash (debt)	$208.1M
Net cash / market cap	31.15%
Net debt / equity	-0.39
Net debt / FCF	-3.54
Piotroski F-Score	3
Property, plant and equipment	$69.8M
Shareholders' equity	$539.1M
Tangible book value	$537.1M
Tangible book value per share	$24.24
Total assets	$4.8B
Total cash	$219.5M
Total debt	$11.4M
Total liabilities	$4.3B
WACC	7.38%

Metric

Value

Book value per share

$24.33

Debt / equity

0.02

Debt / FCF

0.19

Goodwill

$1.2M

Net cash (debt)

$208.1M

Net cash / market cap

31.15%

Net debt / equity

-0.39

Net debt / FCF

-3.54

Piotroski F-Score

Property, plant and equipment

$69.8M

Shareholders' equity

$539.1M

Tangible book value

$537.1M

Tangible book value per share

$24.24

Total assets

$4.8B

Total cash

$219.5M

Total debt

$11.4M

Total liabilities

$4.3B

WACC

7.38%

Metric	Value
Working capital	$-3.9B

Metric

Value

Working capital

$-3.9B

Metric	Value
Buyback yield / dilution	3.85%
Dividend growth	0%
Dividend growth (10Y)	-6.7%
Dividend growth (3Y)	25.99%
Dividend growth (5Y)	14.87%
Dividend growth years	0
Dividend payment date	2026-08-24
Dividend payment years	1
Dividend payout frequency	Quarterly
Dividend per share	$0.40
Dividend yield	1.33%
Ex-dividend date	2026-08-10
FCF payout ratio	15.09%
Last dividend	$0.10
Payout ratio	6.93%
Shareholder yield	5.17%

Metric

Value

Buyback yield / dilution

3.85%

Dividend growth

Dividend growth (10Y)

-6.7%

Dividend growth (3Y)

25.99%

Dividend growth (5Y)

14.87%

Dividend growth years

Dividend payment date

2026-08-24

Dividend payment years

Dividend payout frequency

Quarterly

Dividend per share

$0.40

Dividend yield

1.33%

Ex-dividend date

2026-08-10

FCF payout ratio

15.09%

Last dividend

$0.10

Payout ratio

6.93%

Shareholder yield

5.17%

Metric	Value
10Y price change	151%
10Y return CAGR	9.79%
10Y total return	154.53%
150-day SMA	$29.56
15Y price change	298.61%
15Y return CAGR	11.06%
15Y total return	382.43%
1D price change	-0.59%
1M price change	-0.71%
1M total return	-0.71%
1W price change	-0.28%
1W total return	-0.28%
1Y price change	67.47%
1Y return CAGR	68.68%
1Y total return	68.62%
20-day SMA	$30.34
200-day SMA	$27.38
3M price change	-11.67%
3M total return	-11.4%
3Y price change	174.34%
3Y return CAGR	40.3%
3Y total return	176.22%
50-day SMA	$30.71
50-day SMA vs 200-day SMA	50over200
52-week high	$36.06
52-week high date	2026-08-04
52-week low	$16.78
52-week low date	2025-11-04
5Y price change	105.15%
5Y return CAGR	15.62%
5Y total return	106.56%
6M price change	22.24%
6M total return	23.08%
All-time high	$36.06
All-time high date	2026-08-04
All-time low	$5.05
All-time low date	2009-03-02
Average true range (ATR)	$0.64
Average volume	151.8K
Beta (1Y)	-0.22
Beta (2Y)	0.49
Beta (5Y)	0.59
Change from 52-week high	-16.42%
Change from 52-week low	79.62%
Change from all-time high	-16.54%
Change from all-time low	495.94%
Change from open	-0.3%
Day's gap	-0.3%
Dollar volume	$3M
High price	$30.23
Low price	$29.95
Monthly RSI	67.41
Open price	$30.23
Position in 52-week range	67.86%
Premarket change	-0.68%
Premarket close	$30.32
Premarket price	$30.12
Previous close	$30.32
Price vs 150-day SMA	1.81%
Price vs 20-day SMA	-0.81%
Price vs 200-day SMA	9.91%
Price vs 50-day SMA	-2.01%
Relative volume	0.65
RSI	45.15
Sharpe ratio	2.05
Sharpe ratio (3Y)	1.15
Sharpe ratio (5Y)	0.5
Sortino ratio	3.53
Sortino ratio (3Y)	2.07
Sortino ratio (5Y)	0.93
Volume	99.2K
Weekly RSI	54.58
YTD price change	53.08%
YTD total return	54.13%

Metric

Value

10Y price change

151%

10Y return CAGR

9.79%

10Y total return

154.53%

150-day SMA

$29.56

15Y price change

298.61%

15Y return CAGR

11.06%

15Y total return

382.43%

1D price change

-0.59%

1M price change

-0.71%

1M total return

-0.71%

1W price change

-0.28%

1W total return

-0.28%

1Y price change

67.47%

1Y return CAGR

68.68%

1Y total return

68.62%

20-day SMA

$30.34

200-day SMA

$27.38

3M price change

-11.67%

3M total return

-11.4%

3Y price change

174.34%

3Y return CAGR

40.3%

3Y total return

176.22%

50-day SMA

$30.71

50-day SMA vs 200-day SMA

50over200

52-week high

$36.06

52-week high date

2026-08-04

52-week low

$16.78

52-week low date

2025-11-04

5Y price change

105.15%

5Y return CAGR

15.62%

5Y total return

106.56%

6M price change

22.24%

6M total return

23.08%

All-time high

$36.06

All-time high date

2026-08-04

All-time low

$5.05

All-time low date

2009-03-02

Average true range (ATR)

$0.64

Average volume

151.8K

Beta (1Y)

-0.22

Beta (2Y)

0.49

Beta (5Y)

0.59

Change from 52-week high

-16.42%

Change from 52-week low

79.62%

Change from all-time high

-16.54%

Change from all-time low

495.94%

Change from open

-0.3%

Day's gap

-0.3%

Dollar volume

$3M

High price

$30.23

Low price

$29.95

Monthly RSI

67.41

Open price

$30.23

Position in 52-week range

67.86%

Premarket change

-0.68%

Premarket close

$30.32

Premarket price

$30.12

Previous close

$30.32

Price vs 150-day SMA

1.81%

Price vs 20-day SMA

-0.81%

Price vs 200-day SMA

9.91%

Price vs 50-day SMA

-2.01%

Relative volume

0.65

RSI

45.15

Sharpe ratio

2.05

Sharpe ratio (3Y)

1.15

Sharpe ratio (5Y)

0.5

Sortino ratio

3.53

Sortino ratio (3Y)

2.07

Sortino ratio (5Y)

0.93

Volume

99.2K

Weekly RSI

54.58

YTD price change

53.08%

YTD total return

54.13%

Metric	Value
Float	21.2M
Float percentage	95.81%
Shares change (QoQ)	-0.04%
Shares change (YoY)	-3.85%
Shares held by insiders	4.12%
Shares held by institutions	69.24%
Shares outstanding	22.2M
Short % of float	12.5%
Short % of shares	11.98%
Short ratio	9.7 days

Metric

Value

Float

21.2M

Float percentage

95.81%

Shares change (QoQ)

-0.04%

Shares change (YoY)

-3.85%

Shares held by insiders

4.12%

Shares held by institutions

69.24%

Shares outstanding

22.2M

Short % of float

12.5%

Short % of shares

11.98%

Short ratio

9.7 days

Carter Bankshares, Inc. (CARE)

Price

Financial snapshot

Fair-value bridge

Latest news · CARE

Valuation

Profitability

Balance sheet

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Profile and market data

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Performance and technicals

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Frequently asked questions