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$15.40 - $26.58
Previous CloseN/A
Volume21.91K
Average Volume (3M)87.03K
Market Cap
$580.37M
Enterprise Value$543.41M
Total Cash (Recent Filing)$488.67M
Total Debt (Recent Filing)$178.50M
Price to Earnings (P/E)1.5
Beta0.67
Next Earnings
Jul 23, 2026EPS Estimate
0.47Next Dividend Ex-DateN/A
Dividend YieldN/A
Share Statistics
EPS (TTM)1.39
Shares Outstanding22,159,980
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/Revenue2.16
Enterprise Value/Gross Profit3.53
Enterprise Value/Ebitda11.86
Forecast
1Y Price Target
$27.00Price Target Upside34.06% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering1
EPS Forecast (FY)5.47
Revenue Forecast (FY)$253.30M
Bulls Say, Bears Say
Bulls Say
Asset-quality Cleanup And Tangible Book UpliftThe sale eliminates a large legacy nonperforming credit relationship, materially reducing NPLs and allowance pressure. That cleanup strengthens capital, frees regulatory and managerial bandwidth, and converts a balance-sheet overhang into deployable capital for lending or shareholder returns over the medium term.
Divestiture Proceeds Enhancing Capital FlexibilityThe one-time ~$35.8M pre-tax divestiture gain bolsters capital and liquidity, increasing optionality for growth or returns. By monetizing a non-core holding, management improves balance-sheet flexibility and reduces strategic drag, supporting capital deployment choices for several quarters ahead.
NIM Expansion, Loan Growth And Funded PipelineA rising net interest margin, ongoing loan growth and a sizeable construction pipeline point to sustainable core earnings improvement. Repricing and new production should structurally lift net interest income and cash generation as construction loans fund over the next 12–18 months, supporting medium-term profitability.
Bears Say
Geographic Concentration RiskCarter's retail and commercial footprint is concentrated in two states, which limits geographic diversification. That concentration ties credit performance, deposit behavior, and loan demand closely to local economic cycles, increasing vulnerability to regional downturns over the next several quarters.
Inconsistent Leverage And Capital StrategyMaterial swings in leverage indicate an inconsistent balance-sheet strategy, increasing funding and regulatory risk. Variable indebtedness can amplify earnings volatility, complicate capital planning, and leave less predictable capacity for lending or distributions during stress periods.
Earnings And Cash-flow VolatilityHistorical swings in free cash flow and profitability show earnings quality can be uneven. This volatility makes consistent dividend financing and share-repurchase planning harder, increases the need for capital buffers, and raises the risk that shortfalls re-emerge under adverse conditions.
Carter Bankshares News
CARE FAQ
What was Carter Bankshares’s price range in the past 12 months?
Carter Bankshares lowest stock price was $15.40 and its highest was $26.58 in the past 12 months.
What is Carter Bankshares’s market cap?
Carter Bankshares’s market cap is $580.37M.
When is Carter Bankshares’s upcoming earnings report date?
Carter Bankshares’s upcoming earnings report date is Jul 23, 2026 which is in 75 days.
How were Carter Bankshares’s earnings last quarter?
Carter Bankshares released its earnings results on Apr 23, 2026. The company reported $0.4 earnings per share for the quarter, missing the consensus estimate of $3.865 by -$3.465.
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 $0.14 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 0.47.
How many shares outstanding does Carter Bankshares have?
Carter Bankshares has 22,159,980 shares outstanding.
What happened to Carter Bankshares’s price movement after its last earnings report?
Carter Bankshares reported an EPS of $0.4 in its last earnings report, missing 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:
$27.00 (34.06% Upside)
$27.00 (34.06% Upside)
Blogger Sentiment
Bullish
CARE Sentiment 100%
Sector Average ―
Sector Average ―
Hedge Fund Trend
Increased
By 624.0 Shares
Last Quarter.
Last Quarter.
Insider Transactions
Bought Shares
Worth $93.8K over
the Last 3 Months
the Last 3 Months
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
24.82%
Trailing 12-Months
Asset Growth
2.11%
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.
CARE Stock 12 Month Forecast
Average Price Target
$27.00
▲(34.06% 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
3.85% Insiders
14.08% Mutual Funds
1.03% Other Institutional Investors
66.20% Public Companies and
Individual Investors
Options Prices
Currently, No data available
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