Saturday 17 October 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. In the quarter to June 2026, revenue grew 44.0%, EPS grew 254.1%, free cash flow fell 3,522.2% and total debt rose 155.0%, each against the same quarter a year earlier. Revenue growth for three consecutive years; insiders bought in the last twelve months.
30.21
0.10
−0.33%
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| Dec '25 | Dec '24 | Dec '23 | Dec '22 | Dec '21 | Dec '20 | Dec '19 | Dec '18 | Dec '17 | Dec '16 | |
|---|---|---|---|---|---|---|---|---|---|---|
Piotroski F-Score |
8 | 6 | 6 | 8 | 7 | 4 | 7 | — | — | — |
P/E ratio |
14.25 | 16.59 | 15.03 | 8.04 | 12.83 | 0.00 | 55.16 | 14.56 | 29.74 | 21.64 |
P/S ratio |
1.73 | 1.65 | 1.61 | 2.22 | 2.49 | 1.69 | 0.00 | 0.00 | 0.00 | 0.00 |
P/FCF ratio |
13.88 | 13.93 | 9.36 | 6.18 | 5.87 | 0.00 | 9.22 | 3.29 | 0.00 | 0.00 |
P/Operating CF |
36.57 | 35.05 | 43.91 | 17.48 | 23.14 | 14.97 | 69.67 | 7.93 | 0.00 | 0.00 |
P/B ratio |
1.05 | 1.04 | 0.98 | 1.23 | 0.99 | 0.64 | 1.30 | 0.89 | 0.00 | 0.00 |
Price to Tangible BV |
1.06 | 1.25 | 1.20 | 1.51 | 1.17 | 0.75 | 1.50 | 1.03 | 0.00 | 0.00 |
EV/Sales |
2.02 | 1.40 | 3.19 | 2.95 | 0.83 | 0.45 | 0.00 | 0.00 | 0.00 | 0.00 |
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 |
12.92 | 9.21 | 14.65 | 7.59 | 1.74 | 9.85 | 4.83 | 0.68 | 0.00 | 0.00 |
EV/FCF |
16.19 | 11.81 | 18.54 | 8.23 | 1.95 | (31.39) | 6.57 | 0.81 | 0.00 | 0.00 |
Quick Ratio |
0.03 | 0.03 | 0.01 | 0.01 | 0.08 | 0.07 | 0.04 | 0.08 | 0.07 | — |
Current Ratio |
0.93 | 0.89 | 0.93 | 0.85 | 0.81 | 0.86 | 0.85 | 0.82 | 0.80 | — |
Net Debt/EBITDA |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | — |
Debt/Assets |
3.68% | 1.50% | 8.72% | 4.29% | 0.17% | 0.84% | 0.25% | 0.00% | 0.00% | 0.00% |
Debt/Equity |
0.43 | 0.18 | 1.12 | 0.55 | 0.02 | 0.08 | 0.02 | 0.00 | 0.00 | 0.00 |
Asset Turnover |
0.05 | 0.05 | 0.05 | 0.04 | 0.04 | 0.04 | 0.04 | 0.04 | 0.08 | 0.08 |
Operating CF/Net income |
1.29 | 1.52 | 2.02 | 1.42 | 2.46 | (0.17) | 1.44 | 4.15 | (65.00) | 2.04 |
Capex/Depreciation |
(0.69) | (0.73) | (0.67) | (0.44) | (0.67) | (0.14) | (0.79) | (1.17) | (0.79) | (0.26) |
| 7.71% | 6.60% | 6.82% | 13.53% | 7.42% | (10.04%) | 5.83% | 2.74% | (0.16%) | 3.69% | |
| 0.65% | 0.53% | 0.53% | 1.20% | 0.76% | (1.12%) | 0.66% | 0.29% | (0.03%) | 0.78% | |
ROIC |
5.07% | 5.97% | 2.60% | 8.34% | 17.96% | (12.06%) | 5.29% | 8.13% | (5.44%) | 0.00% |
Return on Tangible Assets |
(13.79%) | (6.09%) | (12.55%) | (10.46%) | (5.00%) | 10.69% | (6.21%) | (2.19%) | 0.10% | 16.47% |
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 |
44.47% | 43.17% | 52.10% | 54.59% | 60.84% | 67.69% | 56.24% | 66.47% | 85.40% | 60.03% |
Intangible Assets out of Total Assets |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.02 | 0.01 | 0.01 | 0.00 |
Share Based Compensation of Revenue |
0.81% | 0.72% | 0.73% | 0.72% | 0.64% | 0.61% | 0.22% | 0.01% | 0.00% | 0.00% |
Graham Net Nets |
(1.17) | (1.48) | (2.02) | (1.92) | (1.81) | (2.01) | (0.86) | (1.65) | 0.00 | 0.00 |
Graham Number |
24.09 | 20.04 | 18.35 | 24.76 | 20.44 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Earnings Yield |
7.02% | 6.03% | 6.65% | 12.43% | 7.80% | (16.22%) | 1.81% | 6.87% | 3.36% | 4.62% |
Free Cash Flow Yield |
7.20% | 7.18% | 10.68% | 16.18% | 17.03% | (0.85%) | 10.85% | 30.37% | 0.00% | 0.00% |
Revenue per Share |
11.34 | 10.65 | 9.24 | 7.40 | 6.18 | 6.35 | 6.70 | 6.44 | 5.97 | 6.10 |
Operating CF per Share |
1.78 | 1.62 | 2.01 | 2.88 | 2.94 | 0.29 | 1.46 | 1.88 | 1.69 | 1.24 |
Capex per Share |
(0.36) | (0.36) | (0.42) | (0.22) | (0.32) | (0.38) | (0.28) | (0.56) | (0.13) | (0.03) |
Free Cash Flow per Share |
1.42 | 1.26 | 1.59 | 2.66 | 2.62 | (0.09) | 1.18 | 1.32 | 1.55 | 1.21 |
Cash per Share |
4.68 | 5.75 | 2.35 | 1.91 | 10.55 | 9.17 | 4.79 | 11.18 | 10.23 | 0.00 |
Shareholders Equity per Share |
18.69 | 16.84 | 15.11 | 13.36 | 15.47 | 16.69 | 18.02 | 16.61 | 16.46 | 0.00 |
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 |
18.69 | 16.84 | 15.11 | 13.36 | 15.47 | 16.69 | 18.02 | 16.61 | 16.46 | 0.00 |
Free Cash Flow |
31.81 | 28.81 | 36.93 | 65.31 | 69.05 | (2.42) | 30.97 | 34.79 | 40.72 | 31.81 |
Working Capital |
(297.32) | (473.02) | (258.53) | (548.48) | (704.26) | (514.32) | (512.71) | (630.47) | (751.36) | — |
Capital Expenditures |
(8.05) | (8.13) | (9.80) | (5.48) | (8.48) | (10.12) | (7.32) | (14.61) | (3.54) | (0.84) |
Net Current Asset Value |
(518.65) | (594.48) | (697.91) | (773.96) | (731.93) | (568.69) | (541.47) | (642.67) | (761.91) | 0.00 |
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 |
0.03 | 0.03 | 0.05 | 0.03 | 0.05 | 0.06 | 0.04 | 0.09 | 0.02 | 0.01 |
Price to Operating Income |
11.04 | 13.00 | 12.04 | 6.54 | 10.63 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Other line items | ||||||||||
Depreciation/Fixed assets |
0.16 | 0.15 | 0.20 | 0.17 | 0.17 | 0.85 | 0.11 | 0.15 | 0.06 | 0.03 |
Cash ROIC |
4.52% | 4.92% | 4.62% | 11.75% | 9.97% | (0.34%) | 5.09% | 4.77% | 5.81% | 0.00% |
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 |
0.02 | 0.03 | 0.02 | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | 0.00 |
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 |
15,157.24 | 14,132.29 | 18,330.85 | 65,462.45 | 59,432.23 | 37,539.47 | 27,345.89 | 34,391.07 | 36,091.98 | 0.00 |
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 |
4,182.16 | 3,937.67 | 3,677.23 | 3,665.51 | 3,691.55 | 3,594.44 | 3,547.71 | 3,630.40 | 3,630.40 | — |
Average Assets |
4,755.56 | 4,585.86 | 4,358.53 | 4,169.13 | 4,156.46 | 4,092.64 | 4,022.85 | 4,075.95 | 2,056.15 | 2,056.00 |
Average Common Equity |
402.01 | 367.78 | 339.94 | 368.11 | 423.89 | 456.64 | 454.66 | 434.17 | 433.56 | 433.50 |
Columns are period end dates