Carter Bankshares updates Q4 2025 investor presentation

Carter Bankshares ( (CARE) ) just unveiled an announcement.

Carter Bankshares has released an updated investor presentation for the fourth quarter and full year ended 2025, outlining the financial and operational profile management is using in discussions with investors and analysts. The materials highlight a well‑capitalized franchise with growing momentum, including a 7.0% year‑over‑year increase in total portfolio loans of $254.7 million, loan production of which 65.1% was funded at a weighted average rate of 6.49%, and approximately $500 million of construction loans scheduled to fund over the next 12–18 months. The presentation also underscores the company’s strong available liquidity, its branch‑based regional footprint anchored in Virginia and North Carolina, recent expansion through the acquisition of two First Reliance Bank branches in North Carolina and planned entry into Greenville, South Carolina and Gastonia, North Carolina, as well as an ongoing brand refresh and seasoned leadership team, all of which frame Carter Bankshares’ efforts to strengthen its competitive position in its core Southeastern markets.

The most recent analyst rating on (CARE) stock is a Buy with a $21.00 price target. To see the full list of analyst forecasts on Carter Bankshares stock, see the CARE Stock Forecast page.

Spark’s Take on CARE Stock

According to Spark, TipRanks’ AI Analyst, CARE is a Outperform.

Carter Bankshares receives a strong overall score due to its robust financial performance and positive corporate developments. The technical indicators show bullish momentum, although caution is advised due to overbought signals. The valuation is reasonable, but the lack of a dividend yield may limit appeal to some investors. The recent approval for state member bank status is a key positive, enhancing the company’s strategic positioning.

To see Spark’s full report on CARE stock, click here.

More about Carter Bankshares

Carter Bankshares, Inc., the holding company for Carter Bank & Trust, operates as a regional community bank headquartered in Martinsville, Virginia. As of December 31, 2025, it reported $4.9 billion in assets, $3.9 billion in loans and $4.2 billion in deposits, with a network of 64 branches and 10 corporate centers serving primarily retail customers, who account for about 78.2% of its diversified and granular deposit base. The bank maintains a strong presence in Virginia, where it runs 51 branches with $3.7 billion in deposits, and in North Carolina, where it operates 13 branches with $0.5 billion in deposits and generates about 65% of its annual commercial loan production, while also pursuing growth in markets such as Greenville, South Carolina and Gastonia, North Carolina.

Average Trading Volume: 91,974

Technical Sentiment Signal: Buy

Current Market Cap: $440M

For an in-depth examination of CARE stock, go to TipRanks’ Overview page.