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CARE Stock Chart & Stats
$34.01
$0.06(0.18%)
At close: 4:00 PM EDT
$34.01
$0.06(0.18%)
Day’s Range― - ―
52-Week Range$16.78 - $35.52
Previous Close$34.07
Volume421.61K
Average Volume (3M)428.42K
Market Cap
$766.37M
Enterprise Value$472.51
Total Cash (Recent Filing)$41.10M
Total Debt (Recent Filing)$0.00
Price to Earnings (P/E)5.9
Beta0.62
Next Earnings
Oct 22, 2026EPS Estimate
0.53Next Dividend Ex-DateN/A
Dividend Yield0.29%
Share Statistics
EPS (TTM)5.88
Shares Outstanding22,162,212
10 Day Avg. Volume364,702
30 Day Avg. Volume428,420
Financial Highlights & Ratios
PEG Ratio0.44
Price to Book (P/B)1.05
Price to Sales (P/S)1.73
P/FCF Ratio13.88
Enterprise Value/Market Cap<0.01
Enterprise Value/Revenue<0.01
Enterprise Value/Gross Profit<0.01
Enterprise Value/Ebitda<0.01
Forecast
1Y Price Target
$30.75Price Target Upside-9.59% Downside
Rating ConsensusHold
Number of Analyst Covering3
EPS Forecast (FY)6.43
Revenue Forecast (FY)$259.47M
Bulls Say, Bears Say
Bulls Say
Improved Profitability And MarginsThe recent TTM surge—revenue up ~27% with net margin near 34% and EBIT margin ~43%—demonstrates materially improved core earnings power. Sustained higher margins imply stronger loan yields, fee leverage, and operating efficiency, supporting durable profitability if underwriting and funding remain stable.
Strong Free Cash Flow ConversionHigh operating cash flow (~$337M) and FCF (~$329M) with FCF/NI ≈0.98 indicate that reported earnings are translating into real cash. Robust cash conversion strengthens the bank's ability to fund organic loan growth, sustain dividends, and absorb credit losses, improving long-term financial flexibility.
Strengthened Balance Sheet And Asset-quality ActionsManagement's actions—selling the largest legacy nonperforming credit, divesting the Bearing Insurance stake, and repricing securities into higher‑yield AAA/AA investments—have improved capital, liquidity and future interest income. These structural moves reduce legacy overhangs and enhance durable earning capacity.
Bears Say
Historic Earnings And Cash-flow VolatilityDespite recent improvement, the firm has shown meaningful volatility across earnings, leverage and free cash flow in prior years (e.g., debt/equity spikes previously and choppy FCF). Such swings reduce confidence that current high margins and returns will persist absent consistent underwriting and funding discipline.
Geographic Concentration Of Deposit BaseA retail-heavy deposit franchise concentrated in Virginia and North Carolina creates regional concentration risk. Local economic downturns, housing market weakness, or sector-specific stress in those states could materially affect funding costs, deposit stability, and local loan demand over several quarters.
Loan-production Variability And Concentration RiskThe bank's loan flows show material variability—strong origination but significant large payoffs and a concentrated construction pipeline. Such swings can pressure net interest income and concentrate credit exposure, raising execution and credit risk if funding or real estate conditions change during the funding horizon.
Carter Bankshares News
CARE FAQ
What was Carter Bankshares, Inc.’s price range in the past 12 months?
Carter Bankshares, Inc. lowest stock price was $16.78 and its highest was $35.52 in the past 12 months.
What is Carter Bankshares, Inc.’s market cap?
Carter Bankshares, Inc.’s market cap is $766.37M.
When is Carter Bankshares, Inc.’s upcoming earnings report date?
Carter Bankshares, Inc.’s upcoming earnings report date is Oct 22, 2026 which is in 79 days.
How were Carter Bankshares, Inc.’s earnings last quarter?
Carter Bankshares, Inc. released its earnings results on Jul 23, 2026. The company reported $1.31 earnings per share for the quarter, missing the consensus estimate of $1.44 by -$0.13.
Is Carter Bankshares, Inc. overvalued?
According to Wall Street analysts Carter Bankshares, Inc.’s price is currently Overvalued.
Does Carter Bankshares, Inc. pay dividends?
Carter Bankshares, Inc. pays a Quarterly dividend of $0.1 which represents an annual dividend yield of 0.29%. See more information on Carter Bankshares, Inc. dividends here
What is Carter Bankshares, Inc.’s EPS estimate?
Carter Bankshares, Inc.’s EPS estimate is 0.53.
How many shares outstanding does Carter Bankshares, Inc. have?
Carter Bankshares, Inc. has 22,162,212 shares outstanding.
What happened to Carter Bankshares, Inc.’s price movement after its last earnings report?
Carter Bankshares, Inc. reported an EPS of $1.31 in its last earnings report, missing expectations of $1.44. Following the earnings report the stock price went up 2.977%.
Which hedge fund is a major shareholder of Carter Bankshares, Inc.?
Currently, no hedge funds are holding shares in CARE
What is the TipRanks Smart Score and how is it calculated?
Smart Score combines eight research factors - such as analyst recommendations, hedge fund trends, and technical indicators - to measure a stock’s outlook. These signals are unified into a single score that reflects bullish or bearish momentum. See detailed methodology
Carter Bankshares Stock Smart Score
Outperform
1
2
3
4
5
6
7
8
9
10
Analyst Consensus
Hold
Average Price Target:
$30.75 (-9.59% Downside)
$30.75 (-9.59% Downside)
Blogger Sentiment
Bullish
CARE Sentiment 100%
Sector Average ―
Sector Average ―
Hedge Fund Trend
Increased
By 163.5K Shares
Last Quarter.
Last Quarter.
Insider Transactions
Sold Shares
Worth $189.9K over
the Last 3 Months
the Last 3 Months
Crowd Wisdom
Positive
Last 7 Days ▲ 1.5%
Last 30 Days ▲ 1.2%
Last 30 Days ▲ 1.2%
News Sentiment
Very Bullish
Bullish news 100%
Bearish news 0%
Bearish news 0%
Technicals
SMA
Positive
20 days / 200 days
Momentum
83.84%
12-Months-Change
Fundamentals
Return on Equity
0.29%
Trailing 12-Months
Asset Growth
0.37%
Trailing 12-Months
Company Description
Carter Bankshares, Inc.
Carter Bankshares, Inc. functions as the parent company for Carter Bank & Trust, delivering a comprehensive suite of banking solutions. It provides a variety of deposit accounts, including checking, savings, retirement, money market, and longer-term certificates of deposit. The institution also offers diverse loan products, such as secured and unsecured commercial loans, alongside consumer loans for purposes like auto financing, home improvements, education, overdraft protection, and personal investments. Additionally, it originates and holds residential mortgages (both fixed and variable rate), real estate construction and acquisition loans, home equity lines of credit, and credit cards. Beyond lending and deposits, Carter Bank & Trust furnishes other banking conveniences including safe deposit boxes, direct deposit services, extensive online and mobile banking capabilities (featuring bill pay, online account opening, and mobile deposit), debit cards, e-statements, and ATM access. The company further provides title insurance, various financial institution-related products, and treasury and corporate cash management services. Founded in 1974 and based in Martinsville, Virginia, Carter Bankshares, Inc. operates 69 branch locations spanning Virginia and North Carolina.
CARE Stock 12 Month Forecast
Average Price Target
$30.75
▼(-9.59% Downside)
Technical Analysis
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Ownership Overview
3.74% Insiders
14.40% Mutual Funds
1.22% Other Institutional Investors
60.07% Public Companies and
Individual Investors