Carter Bankshares, Inc. CARE
- Market cap
- $666.5M
- P/E
- 5.2×
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Target Price Range
Analyst price targets
Free account| 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | 2026 | 2027 | 2028 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 11.70 | 12.99 | 14.45 | 14.85 | 6.30 | 9.75 | 12.58 | 10.43 | 10.95 | 13.61 |
Analyst estimates 2026–2028 Powerpack |
Low Price
|
||
| 14.12 | 18.23 | 20.10 | 24.25 | 23.70 | 16.40 | 18.84 | 17.70 | 20.40 | 20.63 |
High Price
|
|||
| — | — | 992 | — | 828 | 731 | 672 | 679 | 680 | 687 |
Employees
|
|||
| 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Revenue/Emp
|
|||
| 160 | 157 | 169 | 176 | 168 | 163 | 182 | 215 | 243 | 255 |
Revenue
|
|||
| 71.04% | 76.31% | 77.45% | 73.42% | 78.61% | 86.05% | 88.87% | 65.48% | 55.87% | 60.18% |
Gross Margin
|
|||
| 18 | (18) | 14 | 28 | (45) | 36 | 62 | 29 | 31 | 40 |
EBT
|
|||
| 11.01% | (11.62%) | 8.47% | 15.79% | (26.91%) | 21.93% | 33.93% | 13.38% | 12.70% | 15.71% |
EBT Margin
|
|||
| 16 | (1) | 12 | 27 | (46) | 32 | 50 | 23 | 25 | 31 |
Net Income
|
|||
| 3 | 4 | 12 | 9 | 73 | 13 | 12 | 15 | 11 | 12 |
Depreciation
|
|||
| 6.10 | 5.97 | 6.44 | 6.70 | 6.35 | 6.18 | 7.40 | 9.24 | 10.65 | 11.34 |
Revenue/Sh
|
|||
| 0.61 | (0.03) | 0.45 | 1.01 | (1.74) | 1.20 | 2.03 | 1.00 | 1.06 | 1.38 |
Earnings/Sh
|
|||
| 1.24 | 1.69 | 1.88 | 1.46 | 0.29 | 2.94 | 2.88 | 2.01 | 1.62 | 1.78 |
Cash Flow/Sh
|
|||
| (0.03) | (0.13) | (0.56) | (0.28) | (0.38) | (0.32) | (0.22) | (0.42) | (0.36) | (0.36) |
Capex/Sh
|
|||
| 1.21 | 1.55 | 1.32 | 1.18 | (0.09) | 2.62 | 2.66 | 1.59 | 1.26 | 1.42 |
Free CF/Sh
|
|||
| 0.00 | 16.46 | 16.61 | 18.02 | 16.69 | 15.47 | 13.36 | 15.11 | 16.84 | 18.69 |
Book Value/Sh
|
|||
| 26 | 26 | 26 | 26 | 26 | 26 | 25 | 23 | 23 | 22 |
Shares
|
|||
| 21.64 | 29.74 | 14.56 | 55.16 | 0.00 | 12.83 | 8.04 | 15.03 | 16.59 | 14.25 |
PE Ratio
|
|||
| 0.00 | 0.00 | 0.00 | 0.00 | 1.69 | 2.49 | 2.22 | 1.61 | 1.65 | 1.73 |
PS Ratio
|
|||
| 0.00 | 0.00 | 0.89 | 1.30 | 0.64 | 0.99 | 1.23 | 0.98 | 1.04 | 1.05 |
PB Ratio
|
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| 0.00 | 0.00 | 0.00 | 0.00 | 0.45 | 0.83 | 2.95 | 3.19 | 1.40 | 2.02 |
EV/Sales
|
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| 0.00 | 0.00 | 0.81 | 6.57 | (31.39) | 1.95 | 8.23 | 18.54 | 11.81 | 16.19 |
EV/FCF
|
|||
| 33 | 44 | 49 | 38 | 8 | 78 | 71 | 47 | 37 | 40 |
Op' Cash Flow
|
|||
| (1) | (4) | (15) | (7) | (10) | (8) | (5) | (10) | (8) | (8) |
Capex
|
|||
| 32 | 41 | 35 | 31 | (2) | 69 | 65 | 37 | 29 | 32 |
FCF
|
|||
| — | (751) | (630) | (513) | (514) | (704) | (548) | (259) | (473) | (297) |
Working Cap'
|
|||
| — | — | — | 10 | 35 | 7 | 181 | 393 | 70 | 179 |
Total Debt
|
|||
| — | (269) | (294) | (116) | (207) | (271) | 134 | 339 | (61) | 73 |
Net Debt
|
|||
| 0 | 432 | 436 | 473 | 440 | 408 | 329 | 351 | 384 | 420 |
Sh' Equity
|
|||
| 0.78% | (0.03%) | 0.29% | 0.66% | (1.12%) | 0.76% | 1.20% | 0.53% | 0.53% | 0.65% |
ROA
|
|||
| 0.00% | (5.44%) | 8.13% | 5.29% | (12.06%) | 17.96% | 8.34% | 2.60% | 5.97% | 5.07% |
ROIC
|
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| 3.69% | (0.16%) | 2.74% | 5.83% | (10.04%) | 7.42% | 13.53% | 6.82% | 6.60% | 7.71% |
ROE
|
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Carter Bankshares, Inc. peers in Banks Regional
| Company | Market cap | P/E | Compare |
|---|---|---|---|
| BHB Bar Harbor Bankshares, Inc. | $666.1M | 13.1× | Compare |
| CCB Coastal Financial Corporation | $669.7M | 0.0× | Compare |
| RRBI Red River Bancshares, Inc. | $659.1M | 14.5× | Compare |
| HIFS Hingham Institution for Savings | $648.0M | 11.9× | Compare |
| Company | Market cap | P/E | Compare |
|---|---|---|---|
| MSBI Midland States Bancorp, Inc. | $687.5M | 21.3× | Compare |
| ACNB ACNB Corporation | $645.2M | 12.0× | Compare |
| AROW Arrow Financial Corporation | $691.5M | 12.1× | Compare |
| PFIS Peoples Financial Services Corp. | $693.7M | 12.3× | Compare |
Carter Bankshares, Inc. (CARE) key facts
- Carter Bankshares, Inc. (CARE) is a Banks Regional company in the Financial sector, listed on Nasdaq.
- Carter Bankshares, Inc.’s revenue for fiscal 2025 (year ended December 2025) was $254.6 million, up 4.74% from fiscal 2024.
- Net income was $31.4 million, or $1.38 per share (basic), a net margin of 12.2%.
- As of September 25, 2026, CARE traded at $30.31, a market capitalization of $666.5 million.
- At that price the stock trades at 5.2× trailing-twelve-month earnings and 1.9× sales.
- Carter Bankshares, Inc. pays an annual dividend of $0.40 per share, a yield of 2.58%.
- Return on equity was 7.71% and debt-to-equity 0.00.
Carter Bankshares, Inc. (CARE) Latest News
23 Jul
Carter Bankshares, Inc. (CARE) posted Q2 earnings and revenues above analyst estimates. Q2 earnings and revenue beats typically lift near-term sentiment and share price for Carter Bankshares.
Carter Bankshares, Inc. (CARE) announced its second quarter 2026 financial results. Quarterly earnings releases provide updates on financial performance that can move share price and investor views.
14 Jul
Carter Bank named Best Bank in Virginia by Forbes. Forbes best-bank award in Virginia boosts reputation and may lift short-term market sentiment.
23 Apr
Carter Bankshares, Inc. (CARE) announced first quarter 2026 financial results. Quarterly earnings announcements significantly influence financial performance metrics and investor sentiment.
Carter Bankshares, Inc. (CARE) reported first-quarter earnings and revenue below analyst estimates. Missing Q1 earnings and revenue estimates indicates weaker financial results, moderately affecting investor sentiment and near-term market performance.
2 Feb
Carter Bankshares, Inc. (CARE) is highlighted as an undervalued investment opportunity in the U.S. market for February 2026. The article emphasizes the bank's strong fundamentals, including solid financial performance and growth potential, positioning it as a hidden gem among investors. Analysts suggest that CARE's strategic initiatives and market positioning could lead to significant appreciation in stock value, making it an attractive option for those seeking long-term gains. Carter Bankshares is poised for significant growth due to its strong fundamentals and strategic initiatives.
29 Jan
Carter Bankshares, Inc. (CARE) reported Q4 earnings that exceeded analysts' expectations, showcasing strong financial performance. The bank's results reflect effective management and strategic initiatives that have positively impacted its profitability. Investors reacted favorably to the news, indicating increased confidence in the company's future prospects. Earnings exceeding estimates can significantly enhance investor sentiment and influence future market performance.
Carter Bankshares, Inc. reported its financial results for the fourth quarter and full year of 2025, highlighting significant growth in net income and total assets. The bank's earnings per share increased, driven by improved loan performance and a rise in net interest income. Management expressed optimism about future growth prospects and strategic initiatives aimed at enhancing shareholder value. The results reflect a strong operational performance despite challenging market conditions. The financial results indicate significant growth and strategic initiatives that could alter the company's trajectory and investor sentiment.
Carter Bankshares, Inc. (CARE) reported its Q4 earnings, revealing key metrics that were compared against analysts' estimates. The results highlighted the bank's financial performance, including revenue and net income figures, which showed variations from expectations. The analysis provided insights into the bank's operational efficiency and market positioning, indicating areas of strength and potential challenges moving forward. Earnings results may moderately influence investor sentiment and financial performance but are balanced by other market factors.
10 Dec
Carter Bankshares, Inc. (CARE) has received multiple industry awards following its rebranding efforts in 2024. The bank's new branding strategy has been recognized for enhancing customer engagement and improving its market presence. These accolades reflect the bank's commitment to innovation and customer service excellence, positioning it favorably within the competitive banking landscape. The rebranding and subsequent awards are likely to significantly enhance the bank's market positioning and investor sentiment.
5 Dec
Carter Bankshares, Inc. (NASDAQ:CARE) has seen a remarkable 93% increase in stock value over the past five years, reflecting strong performance and investor confidence. The bank's growth can be attributed to effective management strategies and favorable market conditions, positioning it well for future opportunities. Investors who bought shares five years ago have significantly benefited from this upward trend, highlighting the company's resilience and potential for continued success in the financial sector. The substantial increase in stock value indicates significant investor confidence and potential for future growth.
28 Nov
Options traders are showing increased activity in Carter Bankshares, Inc. (CARE) stock, indicating expectations of significant price movement. The heightened trading volume in options suggests that investors are anticipating volatility, which could be driven by upcoming earnings reports or market events. Analysts are closely monitoring these developments as they may influence the stock's performance in the near future. Increased options trading activity suggests potential volatility that could moderately influence market sentiment and stock performance.
20 Nov
Carter Bankshares, Inc. has expanded its operations into South Carolina by opening a new branch in Greenville. This move marks the bank's entry into a new market, aiming to enhance its presence and service offerings in the region. The Greenville branch is expected to provide a range of banking services to local customers, contributing to the bank's growth strategy. Entering a new market can moderately influence financial performance and competitive positioning.
13 Nov
Carter Bankshares, Inc. has been approved to join the Federal Reserve Bank of Richmond as a state member bank. This membership allows the bank to access Federal Reserve services and participate in the Federal Reserve System, enhancing its operational capabilities and regulatory framework. The move is expected to strengthen the bank's position in the financial sector and improve its service offerings to customers. Joining the Federal Reserve Bank of Richmond significantly enhances the bank's operational capabilities and regulatory standing.
25 Oct
Carter Bankshares, Inc. (CARE) has reported a significant surge in profit margins, which challenges the skepticism surrounding the efficiency of regional banks. The company's improved financial performance is expected to bolster investor confidence and reshape perceptions of its operational effectiveness in a competitive landscape. The surge in profit margins indicates a significant improvement in operational efficiency that could positively influence investor sentiment and the company's market position.
23 Oct
Carter Bankshares, Inc. (CARE) reported its Q3 earnings, revealing key metrics that fell short of analysts' estimates. The bank's performance was impacted by various factors, including changes in interest rates and loan demand. Despite these challenges, management remains optimistic about future growth and strategic initiatives aimed at improving financial stability and market position. Earnings performance indicates moderate influence on financial metrics and market sentiment.
Carter Bankshares, Inc. (CARE) reported disappointing Q3 earnings and revenue, falling short of analysts' expectations. The company's earnings per share and total revenue figures were below forecasts, raising concerns about its financial performance and market position. This underperformance may impact investor sentiment and future growth prospects. Earnings miss indicates potential challenges in financial performance, but overall impact is expected to be limited.
Carter Bankshares, Inc. reported its financial results for the third quarter of 2025, highlighting key metrics such as net income, total assets, and loan growth. The bank experienced an increase in deposits and maintained a strong capital position. Management expressed optimism about future growth and strategic initiatives aimed at enhancing shareholder value. Overall, the results reflect a solid performance amid a challenging economic environment. The financial results indicate moderate growth and stability, which may influence investor sentiment and operational aspects but are not expected to drastically change the company's trajectory.
29 Sep
Carter Bankshares, Inc. (CARE) is highlighted as a promising small-cap investment in the U.S. market, showcasing its potential for growth amid a competitive landscape. The article emphasizes the bank's strategic initiatives and financial performance, suggesting that it may offer significant returns for investors looking for hidden gems in the market. Carter Bankshares, Inc. is positioned for moderate growth, influenced by its strategic initiatives and market conditions.
Carter Bankshares, Inc. (NASDAQ:CARE) has garnered significant support from institutional investors, who collectively own 51% of the company. This level of institutional ownership indicates a strong confidence in the company's potential and stability, which may positively influence its market performance and investor sentiment moving forward. Institutional ownership at 51% suggests a moderately noticeable influence on investor sentiment and market performance.
16 Sep
Carter Bankshares, Inc. has announced its expansion into Gastonia, North Carolina, marking a strategic move to enhance its presence in the region. The new branch aims to provide a range of banking services to local customers, focusing on community engagement and personalized service. This expansion aligns with the bank's growth strategy and commitment to serving diverse markets. Expansion into new markets can moderately influence financial performance and competitive positioning.
2 Sep
Carter Bankshares, Inc. has announced key promotions within its leadership team to enhance operational efficiency and strategic direction. The bank aims to leverage the experience of its newly promoted executives to drive growth and improve customer service. These changes reflect the company's commitment to strengthening its management structure and adapting to evolving market conditions. Leadership changes can moderately influence the company's operational effectiveness and market positioning.
25 Aug
Carter Bankshares, Inc. (CARE) is positioned for potential growth due to several favorable factors, including a strong financial performance, strategic initiatives, and positive market sentiment. The bank's focus on enhancing customer experience and expanding its service offerings is expected to drive future profitability. Additionally, the overall economic environment appears supportive, which may further bolster the bank's market position and investor confidence. Strategic initiatives and favorable market conditions are likely to significantly impact the company's future performance.
19 Aug
Carter Bankshares, Inc. (CARE) is highlighted as a potential investment opportunity in the U.S. market, showcasing its strong financial performance and strategic initiatives aimed at growth. The article emphasizes the bank's focus on expanding its services and enhancing customer experience, positioning it favorably against competitors. Analysts suggest that CARE's current valuation may not fully reflect its growth potential, making it an attractive option for investors seeking undervalued stocks. Overall, the bank's proactive strategies and solid fundamentals are expected to drive future success. Carter Bankshares is implementing significant strategic initiatives that could notably enhance its market position and investor sentiment.
29 Jul
Wall Street analysts project that Carter Bankshares, Inc. (CARE) could see a price surge of 26.44%. This optimistic outlook is based on various factors influencing the company's performance and market conditions. Investors are encouraged to consider these insights before making investment decisions. Analysts' projections indicate significant potential for price appreciation, suggesting a major impact on investor sentiment and market performance.
Carter Bankshares, Inc. (CARE) is identified as potentially undervalued by up to 46.1% based on intrinsic value estimates. Analysts suggest that the stock's current market price does not reflect its true value, indicating a significant investment opportunity. The analysis highlights the company's fundamentals and market position, suggesting that investors may benefit from considering CARE as part of their portfolio. The identification of undervaluation suggests a moderately noticeable influence on investor sentiment and potential financial performance.
Carter Bankshares, Inc. (CARE) is highlighted as one of three potentially undervalued stocks in July 2025, suggesting that its current market price does not reflect its intrinsic value. Analysts believe that the bank's fundamentals, including its financial performance and growth prospects, indicate a favorable investment opportunity. The article emphasizes the importance of evaluating market conditions and company metrics to identify undervalued stocks, positioning CARE as a candidate for investors seeking value in the banking sector. Carter Bankshares, Inc. shows potential for moderate influence on financial performance due to its perceived undervaluation, but broader market factors may limit the overall impact.
28 Jul
Carter Bankshares, Inc. (CARE) is highlighted as one of three stocks potentially undervalued relative to their estimated worth by July 2025. Analysts suggest that the bank's financial metrics and growth prospects indicate a favorable investment opportunity, particularly in light of current market conditions. The article emphasizes the importance of evaluating intrinsic value and market sentiment when considering investments in CARE. Carter Bankshares, Inc. shows potential for moderate influence on financial performance due to its perceived undervaluation.
Carter Bankshares, Inc. (CARE) is identified as one of three prominent stocks that are estimated to be up to 37.9% below their intrinsic value. This valuation suggests a potential opportunity for investors, indicating that the stock may be undervalued in the current market. Analysts are highlighting the discrepancy between market price and intrinsic value, which could attract interest from value-focused investors looking for growth potential. The identification of Carter Bankshares as undervalued suggests a moderately noticeable influence on investor sentiment and potential financial performance.
26 Jul
Carter Bankshares (NASDAQ:CARE) reported second quarter 2025 results with revenue of $39.9 million, a 20% increase from 2Q 2024, and net income of $8.51 million, up 79%. The profit margin rose to 21% from 14% due to higher revenue, and EPS reached $0.37, up from $0.21. Revenue aligned with analyst estimates, while EPS exceeded expectations by 25%. Future revenue is projected to grow at an average of 9.4% annually over the next two years, outpacing the 7.5% growth forecast for the US banking industry. The company's share price remained stable over the past week, though one warning sign was noted. Earnings growth and positive EPS performance indicate moderately noticeable influence on financial performance.