Carter Bankshares (CARE)
NASDAQ:CARE
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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$16.27 - $31.40
Previous CloseN/A
Volume21.91K
Average Volume (3M)87.03K
Market Cap
$687.99M
Enterprise Value$649.70M
Total Cash (Recent Filing)$890.45M
Total Debt (Recent Filing)$0.00
Price to Earnings (P/E)6.3
Beta0.65
Next Earnings
Jul 23, 2026EPS Estimate
0.43Next Dividend Ex-DateN/A
Dividend YieldN/A
Share Statistics
EPS (TTM)4.93
Shares Outstanding22,222,010
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 Cap0.94
Enterprise Value/Revenue2.03
Enterprise Value/Gross Profit2.53
Enterprise Value/Ebitda4.42
Forecast
1Y Price Target
$28.00Price Target Upside39.03% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering3
EPS Forecast (FY)5.46
Revenue Forecast (FY)$257.98M
Bulls Say, Bears Say
Bulls Say
Strong TTM Profitability & Cash GenerationRecent trailing-twelve-month performance shows materially higher revenue and very strong operating and free cash flow, indicating improved core earnings quality and internal funding ability. Durable cash generation supports reinvestment, dividend reinstatement and cushions capital needs across cycles.
Nonperforming Loan Cleanup Reduced NPLsThe definitive sale of a large legacy nonperforming portfolio meaningfully reduces asset-quality overhang, trims reserve requirements and raises tangible book value per share. This structural cleanup improves underwriting clarity, frees capital for new lending and reduces future credit-cost uncertainty.
Securities Repositioning To Higher YieldsReallocating a portion of the securities book into higher-yielding AAA/AA instruments increases recurring interest income and net interest margin over time. Although a near-term repositioning loss is expected, the move strengthens sustainable NII and reduces reliance on short-term market yield patching.
Bears Say
Historical Volatility In Profitability And Cash FlowPerformance has swung materially year-to-year, creating normalization risk if recent tailwinds reverse. Durable forecasting and capital planning are harder when margins, ROE and cash flow are cyclical, raising uncertainty about sustaining the current elevated earnings and cash generation levels.
Geographic Concentration In VA And NCA geographically concentrated franchise ties funding and loan exposure to regional economic cycles and real estate markets. Localized downturns or industry-specific shocks could disproportionately impact deposit stability, loan performance and loan origination volumes versus a more diversified footprint.
Large Near-term Construction Loan PipelineA sizable construction loan pipeline increases exposure to project completion, cost overruns and local real estate cycles. Construction lending is credit- and rate-sensitive; funding these loans will consume capital and may raise asset-quality and concentration risks if development or macro conditions worsen.
Carter Bankshares News
CARE FAQ
What was Carter Bankshares’s price range in the past 12 months?
Carter Bankshares lowest stock price was $16.27 and its highest was $31.40 in the past 12 months.
What is Carter Bankshares’s market cap?
Carter Bankshares’s market cap is $687.99M.
When is Carter Bankshares’s upcoming earnings report date?
Carter Bankshares’s upcoming earnings report date is Jul 23, 2026 which is in 32 days.
How were Carter Bankshares’s earnings last quarter?
Carter Bankshares released its earnings results on Apr 23, 2026. The company reported $3.88 earnings per share for the quarter, beating the consensus estimate of $3.865 by $0.015.
Is Carter Bankshares overvalued?
According to Wall Street analysts Carter Bankshares’s price is currently Undervalued.
Does Carter Bankshares pay dividends?
Carter Bankshares pays a Notavailable dividend of $0.1 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 0.43.
How many shares outstanding does Carter Bankshares have?
Carter Bankshares has 22,222,010 shares outstanding.
What happened to Carter Bankshares’s price movement after its last earnings report?
Carter Bankshares reported an EPS of $3.88 in its last earnings report, beating expectations of $3.865. Following the earnings report the stock price went down -2.093%.
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
Outperform
1
2
3
4
5
6
7
8
9
10
Analyst Consensus
Moderate Buy
Average Price Target:
$28.00 (39.03% Upside)
$28.00 (39.03% Upside)
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 $51.7K over
the Last 3 Months
the Last 3 Months
Technicals
SMA
Positive
20 days / 200 days
Momentum
-2.70%
12-Months-Change
Fundamentals
Return on Equity
24.82%
Trailing 12-Months
Asset Growth
2.11%
Trailing 12-Months
Company Description
Carter Bankshares
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
$28.00
▲(39.03% Upside)
Technical Analysis
First Business Financial
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Home Bancorp
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Bank7
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Red River Bancshares
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ChoiceOne Financial Services
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Ownership Overview
3.62% Insiders
14.10% Mutual Funds
18.98% Other Institutional Investors
47.16% Public Companies and
Individual Investors
Options Prices
Currently, No data available
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