Carter Bankshares (CARE)
NASDAQ:CARE
CARE Stock Chart & Stats
$20.14
-$0.10(-0.59%)
At close: 4:00 PM EST
$20.14
-$0.10(-0.59%)
Day’s Range― - ―
52-Week Range$13.61 - $22.91
Previous CloseN/A
Volume21.91K
Average Volume (3M)87.03K
Market Cap
$507.12M
Enterprise Value$580.46M
Total Cash (Recent Filing)$796.77M
Total Debt (Recent Filing)$178.50M
Price to Earnings (P/E)12.7
Beta0.74
Next Earnings
Apr 23, 2026EPS Estimate
3.91Next Dividend Ex-DateN/A
Dividend YieldN/A
Share Statistics
EPS (TTM)0.41
Shares Outstanding22,164,454
10 Day Avg. Volume91,559
30 Day Avg. Volume87,025
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 Cap1.14
Enterprise Value/Revenue2.31
Enterprise Value/Gross Profit3.77
Enterprise Value/Ebitda12.67
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)2.47
Revenue Forecast (FY)$176.81M
Bulls Say, Bears Say
Bulls Say
Asset-quality CleanupThe cash sale materially reduces nonperforming loans and lowers allowance needs, cutting provisioning volatility. Improved asset quality and higher tangible book bolster capital ratios and free capacity to originate loans or return capital, strengthening balance-sheet durability and investor confidence.
Improved Cash GenerationMeaningful FCF improvement and one-to-one FCF-to-net-income conversion in 2025 indicate stronger operating cash conversion. Reliable cash generation supports internal funding for lending, capital allocation flexibility (buybacks/dividends), and resilience through funding or credit stress periods.
Loan Growth & Regional ExpansionConsistent loan growth plus a sizable construction pipeline and branch acquisitions deepen the Southeastern franchise. Expanding origination capacity and local deposits strengthens customer relationships, diversifies earnings sources, and supports long-term net interest income growth and market position.
Bears Say
Leverage VariabilityWide swings in leverage reflect an inconsistent capital and risk strategy. Variable debt levels can increase funding costs, complicate regulatory interactions, and make earnings and capital returns less predictable, constraining strategic planning and investor visibility on risk appetite.
Earnings And Margin VolatilityHistorical swings—loss in 2020 and a step-down from 2021–22 peak profitability—signal cyclical earnings. Profitability remains sensitive to credit cycles and interest margins, limiting predictability of ROE and making sustained margin improvement uncertain over a medium-term horizon.
Concentration On Net Interest IncomeHeavy reliance on net interest income and loan growth concentrates revenue risk. Exposure to interest-rate swings, deposit competition and regional economic cycles reduces diversification of earnings, raising sensitivity to funding cost shocks and local credit downturns over time.
Carter Bankshares News
CARE FAQ
What was Carter Bankshares’s price range in the past 12 months?
Carter Bankshares lowest stock price was $13.61 and its highest was $22.91 in the past 12 months.
What is Carter Bankshares’s market cap?
Carter Bankshares’s market cap is $507.12M.
When is Carter Bankshares’s upcoming earnings report date?
Carter Bankshares’s upcoming earnings report date is Apr 23, 2026 which is in 26 days.
How were Carter Bankshares’s earnings last quarter?
Carter Bankshares released its earnings results on Jan 30, 2026. The company reported $0.41 earnings per share for the quarter, beating the consensus estimate of $0.367 by $0.043.
Is Carter Bankshares overvalued?
According to Wall Street analysts Carter Bankshares’s price is currently Overvalued.
Does Carter Bankshares pay dividends?
Carter Bankshares pays a Notavailable dividend of $0.14 which represents an annual dividend yield of N/A. See more information on Carter Bankshares dividends here
What is Carter Bankshares’s EPS estimate?
Carter Bankshares’s EPS estimate is 3.91.
How many shares outstanding does Carter Bankshares have?
Carter Bankshares has 22,164,454 shares outstanding.
What happened to Carter Bankshares’s price movement after its last earnings report?
Carter Bankshares reported an EPS of $0.41 in its last earnings report, beating expectations of $0.367. Following the earnings report the stock price went up 4.541%.
Which hedge fund is a major shareholder of Carter Bankshares?
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
Neutral
1
2
3
4
5
6
7
8
9
10
Blogger Sentiment
Bullish
CARE Sentiment 100%
Sector Average ―
Sector Average ―
Hedge Fund Trend
Increased
By 624.0 Shares
Last Quarter.
Last Quarter.
News Sentiment
Neutral
Bullish news 50%
Bearish news 50%
Bearish news 50%
Technicals
SMA
Positive
20 days / 200 days
Momentum
-2.70%
12-Months-Change
Fundamentals
Return on Equity
7.65%
Trailing 12-Months
Asset Growth
4.14%
Trailing 12-Months
Company Description
Carter Bankshares
Carter Bankshares, Inc. operates as the bank holding company for Carter Bank & Trust that provides various banking products and services. It accepts various deposit products, including checking, savings, retirement, and money market accounts, as well as longer-term certificates of deposits. The company also offers commercial loans comprising secured and unsecured loans; consumer loans, such as secured and unsecured loans for financing automobiles, home improvements, education, overdraft protection, and personal investments, as well as residential mortgages; real estate construction and acquisition loans; home equity lines of credit; and credit cards, as well as originates and holds fixed and variable rate mortgage loans. In addition, it provides other banking services that include safe deposit boxes, direct deposit of payroll and social security checks, online banking, bill pay, online account opening, mobile deposit, mobile banking, debit cards, e-statements, and ATM services; title insurance and other financial institution-related products and services; and treasury and corporate cash management services. It operates through 69 branches in Virginia and North Carolina. Carter Bankshares, Inc. was founded in 1974 and is headquartered in Martinsville, Virginia.
Technical Analysis
First Business Financial
―
Home Bancorp
―
Bank7
―
Red River Bancshares
―
ChoiceOne Financial Services
―
Ownership Overview
3.81% Insiders
14.17% Mutual Funds
15.26% Other Institutional Investors
52.46% Public Companies and
Individual Investors
Options Prices
Currently, No data available
---