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Friday 6 November 2026
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Carter Bankshares, Inc.
CARE Financial Banks Regional
Carter Bankshares, Inc.’s revenue for fiscal 2025 (year ended December 2025) was $254.6 million, up 4.74% from fiscal 2024.
- Revenue
- +3.92%
- EPS
- +45.8%
- Free cash flow
- −100.1%
- Total debt
- −63.6%
Quarter to September 2026, against a year earlier
28.52
0.04
+0.14%
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| Dec '16 | Dec '17 | Dec '18 | Dec '19 | Dec '20 | Dec '21 | Dec '22 | Dec '23 | Dec '24 | Dec '25 | |
|---|---|---|---|---|---|---|---|---|---|---|
Piotroski F-Score |
— | — | — | 7 | 4 | 7 | 8 | 6 | 6 | 8 |
P/E ratio |
21.64 | 29.74 | 14.56 | 55.16 | 0.00 | 12.83 | 8.04 | 15.03 | 16.59 | 14.25 |
P/S ratio |
0.00 | 0.00 | 0.00 | 0.00 | 1.69 | 2.49 | 2.22 | 1.61 | 1.65 | 1.73 |
P/FCF ratio |
0.00 | 0.00 | 3.29 | 9.22 | 0.00 | 5.87 | 6.18 | 9.36 | 13.93 | 13.88 |
P/Operating CF |
0.00 | 0.00 | 7.93 | 69.67 | 14.97 | 23.14 | 17.48 | 43.91 | 35.05 | 36.57 |
P/B ratio |
0.00 | 0.00 | 0.89 | 1.30 | 0.64 | 0.99 | 1.23 | 0.98 | 1.04 | 1.05 |
Price to Tangible BV |
0.00 | 0.00 | 1.03 | 1.50 | 0.75 | 1.17 | 1.51 | 1.20 | 1.25 | 1.06 |
EV/Sales |
0.00 | 0.00 | 0.00 | 0.00 | 0.45 | 0.83 | 2.95 | 3.19 | 1.40 | 2.02 |
EV/EBITDA |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
EV/Operating CF |
0.00 | 0.00 | 0.68 | 4.83 | 9.85 | 1.74 | 7.59 | 14.65 | 9.21 | 12.92 |
EV/FCF |
0.00 | 0.00 | 0.81 | 6.57 | (31.39) | 1.95 | 8.23 | 18.54 | 11.81 | 16.19 |
Quick Ratio |
— | 0.07 | 0.08 | 0.04 | 0.07 | 0.08 | 0.01 | 0.01 | 0.03 | 0.03 |
Current Ratio |
— | 0.80 | 0.82 | 0.85 | 0.86 | 0.81 | 0.85 | 0.93 | 0.89 | 0.93 |
Net Debt/EBITDA |
— | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Debt/Assets |
0.00% | 0.00% | 0.00% | 0.25% | 0.84% | 0.17% | 4.29% | 8.72% | 1.50% | 3.68% |
Debt/Equity |
0.00 | 0.00 | 0.00 | 0.02 | 0.08 | 0.02 | 0.55 | 1.12 | 0.18 | 0.43 |
Asset Turnover |
0.08 | 0.08 | 0.04 | 0.04 | 0.04 | 0.04 | 0.04 | 0.05 | 0.05 | 0.05 |
Operating CF/Net income |
2.04 | (65.00) | 4.15 | 1.44 | (0.17) | 2.46 | 1.42 | 2.02 | 1.52 | 1.29 |
Capex/Depreciation |
(0.26) | (0.79) | (1.17) | (0.79) | (0.14) | (0.67) | (0.44) | (0.67) | (0.73) | (0.69) |
| 3.69% | (0.16%) | 2.74% | 5.83% | (10.04%) | 7.42% | 13.53% | 6.82% | 6.60% | 7.71% | |
| 0.78% | (0.03%) | 0.29% | 0.66% | (1.12%) | 0.76% | 1.20% | 0.53% | 0.53% | 0.65% | |
ROIC |
0.00% | (5.44%) | 8.13% | 5.29% | (12.06%) | 17.96% | 8.34% | 2.60% | 5.97% | 5.07% |
Return on Tangible Assets |
16.47% | 0.10% | (2.19%) | (6.21%) | 10.69% | (5.00%) | (10.46%) | (12.55%) | (6.09%) | (13.79%) |
Average Days of Receivables |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Research and Development Expense of Revenue |
0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
Selling, General and Administrative Expense of Revenue |
60.03% | 85.40% | 66.47% | 56.24% | 67.69% | 60.84% | 54.59% | 52.10% | 43.17% | 44.47% |
Intangible Assets out of Total Assets |
0.00 | 0.01 | 0.01 | 0.02 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Share Based Compensation of Revenue |
0.00% | 0.00% | 0.01% | 0.22% | 0.61% | 0.64% | 0.72% | 0.73% | 0.72% | 0.81% |
Graham Net Nets |
0.00 | 0.00 | (1.65) | (0.86) | (2.01) | (1.81) | (1.92) | (2.02) | (1.48) | (1.17) |
Graham Number |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 20.44 | 24.76 | 18.35 | 20.04 | 24.09 |
Earnings Yield |
4.62% | 3.36% | 6.87% | 1.81% | (16.22%) | 7.80% | 12.43% | 6.65% | 6.03% | 7.02% |
Free Cash Flow Yield |
0.00% | 0.00% | 30.37% | 10.85% | (0.85%) | 17.03% | 16.18% | 10.68% | 7.18% | 7.20% |
Revenue per Share |
6.10 | 5.97 | 6.44 | 6.70 | 6.35 | 6.18 | 7.40 | 9.24 | 10.65 | 11.34 |
Operating CF per Share |
1.24 | 1.69 | 1.88 | 1.46 | 0.29 | 2.94 | 2.88 | 2.01 | 1.62 | 1.78 |
Capex per Share |
(0.03) | (0.13) | (0.56) | (0.28) | (0.38) | (0.32) | (0.22) | (0.42) | (0.36) | (0.36) |
Free Cash Flow per Share |
1.21 | 1.55 | 1.32 | 1.18 | (0.09) | 2.62 | 2.66 | 1.59 | 1.26 | 1.42 |
Cash per Share |
0.00 | 10.23 | 11.18 | 4.79 | 9.17 | 10.55 | 1.91 | 2.35 | 5.75 | 4.68 |
Shareholders Equity per Share |
0.00 | 16.46 | 16.61 | 18.02 | 16.69 | 15.47 | 13.36 | 15.11 | 16.84 | 18.69 |
Interest Debt per Share |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Book value per Share |
0.00 | 16.46 | 16.61 | 18.02 | 16.69 | 15.47 | 13.36 | 15.11 | 16.84 | 18.69 |
Free Cash Flow |
31.81 | 40.72 | 34.79 | 30.97 | (2.42) | 69.05 | 65.31 | 36.93 | 28.81 | 31.81 |
Working Capital |
— | (751.36) | (630.47) | (512.71) | (514.32) | (704.26) | (548.48) | (258.53) | (473.02) | (297.32) |
Capital Expenditures |
(0.84) | (3.54) | (14.61) | (7.32) | (10.12) | (8.48) | (5.48) | (9.80) | (8.13) | (8.05) |
Net Current Asset Value |
0.00 | (761.91) | (642.67) | (541.47) | (568.69) | (731.93) | (773.96) | (697.91) | (594.48) | (518.65) |
EV/EBIT |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Capex to Sales |
0.01 | 0.02 | 0.09 | 0.04 | 0.06 | 0.05 | 0.03 | 0.05 | 0.03 | 0.03 |
Price to Operating Income |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 10.63 | 6.54 | 12.04 | 13.00 | 11.04 |
| Other line items | ||||||||||
Depreciation/Fixed assets |
0.03 | 0.06 | 0.15 | 0.11 | 0.85 | 0.17 | 0.17 | 0.20 | 0.15 | 0.16 |
Cash ROIC |
0.00% | 5.81% | 4.77% | 5.09% | (0.34%) | 9.97% | 11.75% | 4.62% | 4.92% | 4.52% |
Accounts Receivable Turnover |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Accounts Payable Turnover |
0.00 | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | 0.02 | 0.03 | 0.02 |
Inventory Turnover |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Average Days of Payables |
0.00 | 36,091.98 | 34,391.07 | 27,345.89 | 37,539.47 | 59,432.23 | 65,462.45 | 18,330.85 | 14,132.29 | 15,157.24 |
Days of Inventory on Hand |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Average Payables |
— | 3,630.40 | 3,630.40 | 3,547.71 | 3,594.44 | 3,691.55 | 3,665.51 | 3,677.23 | 3,937.67 | 4,182.16 |
Average Assets |
2,056.00 | 2,056.15 | 4,075.95 | 4,022.85 | 4,092.64 | 4,156.46 | 4,169.13 | 4,358.53 | 4,585.86 | 4,755.56 |
Average Common Equity |
433.50 | 433.56 | 434.17 | 454.66 | 456.64 | 423.89 | 368.11 | 339.94 | 367.78 | 402.01 |
Columns are period end dates · fundamentals updated 5 Nov 2026