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$16.14 - $27.86
Previous CloseN/A
Volume21.91K
Average Volume (3M)87.03K
Market Cap
$606.66M
Enterprise Value$569.70M
Total Cash (Recent Filing)$890.45M
Total Debt (Recent Filing)$0.00
Price to Earnings (P/E)5.5
Beta0.66
Next Earnings
Jul 23, 2026EPS Estimate
0.45Next 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/Revenue1.78
Enterprise Value/Gross Profit2.22
Enterprise Value/Ebitda3.99
Forecast
1Y Price Target
$27.00Price Target Upside34.06% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering2
EPS Forecast (FY)5.47
Revenue Forecast (FY)$253.30M
Bulls Say, Bears Say
Bulls Say
Improved Profitability & Cash FlowMaterially stronger trailing-twelve-month profitability and near parity of free cash flow to net income indicate higher earnings quality and cash conversion. Durable cash generation supports dividend reinstatement, capital build, and organic loan growth funding over the next 2–6 months.
Asset-quality CleanupThe sale sharply reduced nonperforming loans and allowance pressure, improving tangible book value and removing a legacy asset-quality overhang. This structurally strengthens capital and liquidity, lowering credit-risk drag and enabling management to reallocate capital to core lending and growth initiatives.
Higher-yielding Securities RepositioningRepositioning the investment portfolio into materially higher-yielding, high-quality securities and redeploying proceeds toward loans enhances sustainable net interest income. Over a multi-year horizon this improves margin durability and funds loan growth without increasing credit risk materially.
Bears Say
Volatile Profitability & Cash FlowsEarnings, margins and cash generation have been inconsistent across recent years, creating normalization risk. This reduces predictability of dividends and reinvestment capacity and raises sensitivity to cyclical credit or funding stresses that could erode the recent performance edge.
Geographic ConcentrationA franchise concentrated in two states limits diversification and amplifies exposure to regional economic cycles, housing and construction activity. Localized downturns could materially affect deposit stability, loan demand and credit performance versus more diversified peers.
Reliance On Transactional Capital ItemsManagement has used portfolio sales and divestitures to strengthen capital and reported results. While helpful, reliance on one-off gains or repositioning losses to manage capital introduces earnings volatility and can mask underlying core margin and loan growth trends if such transactions are not repeatable.
Carter Bankshares News
CARE FAQ
What was Carter Bankshares’s price range in the past 12 months?
Carter Bankshares lowest stock price was $16.14 and its highest was $27.86 in the past 12 months.
What is Carter Bankshares’s market cap?
Carter Bankshares’s market cap is $606.66M.
When is Carter Bankshares’s upcoming earnings report date?
Carter Bankshares’s upcoming earnings report date is Jul 23, 2026 which is in 52 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 $0.14 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 0.45.
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
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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 163.5K Shares
Last Quarter.
Last Quarter.
Insider Transactions
Sold Shares
Worth $51.7K over
the Last 3 Months
the Last 3 Months
News Sentiment
Very Bullish
Bullish news 100%
Bearish news 0%
Bearish news 0%
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
3.72% Insiders
14.10% Mutual Funds
18.98% Other Institutional Investors
48.35% Public Companies and
Individual Investors
Options Prices
Currently, No data available
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