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Carter Bankshares (CARE)
NASDAQ:CARE
US Market
CARE
Carter Bankshares
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Carter Bankshares (CARE) Ratios

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Carter Bankshares Ratios

CARE's free cash flow for Q1 2026 was $1.08. For the 2026 fiscal year, CARE's free cash flow was decreased by $ and operating cash flow was $0.85. See a summary of the company’s cash flow.
Ratios
TTM
Dec 25Dec 24Dec 23Dec 22
Liquidity Ratios
Current Ratio
 0.00 0.12 0.20 0.22 0.24
Quick Ratio
 0.00 0.12 0.20 0.22 0.24
Cash Ratio
 0.00 0.02 0.03 0.01 0.01
Solvency Ratio
 0.03 <0.01 <0.01 <0.01 0.01
Operating Cash Flow Ratio
 0.00 <0.01 <0.01 0.01 0.02
Short-Term Operating Cash Flow Coverage
 0.00 0.00 0.00 0.00 3.96
Net Current Asset Value
$ -4.26B$ -3.94B$ -3.43B$ -3.33B$ -2.99B
Leverage Ratios
Debt-to-Assets Ratio
 0.00 0.04 0.02 0.09 0.05
Debt-to-Equity Ratio
 0.00 0.43 0.18 1.12 0.60
Debt-to-Capital Ratio
 0.00 0.30 0.15 0.53 0.38
Long-Term Debt-to-Capital Ratio
 0.00 0.30 0.15 0.53 0.35
Financial Leverage Ratio
 9.51 11.56 12.12 12.85 12.79
Debt Service Coverage Ratio
 1.13 0.31 0.29 0.40 1.47
Interest Coverage Ratio
 1.41 0.39 0.29 0.39 3.05
Debt to Market Cap
 0.00 0.40 0.17 1.13 0.49
Interest Debt Per Share
 4.52 12.46 7.63 20.12 8.89
Net Debt to EBITDA
 -0.26 1.83 -1.61 9.69 2.24
Profitability Margins
Gross Profit Margin
80.32%61.68%57.35%61.99%87.06%
EBIT Margin
43.41%15.71%12.88%13.56%34.45%
EBITDA Margin
44.64%15.71%15.82%16.51%37.83%
Operating Profit Margin
43.41%15.71%12.88%13.56%34.45%
Pretax Profit Margin
43.41%15.71%12.88%13.56%34.45%
Net Profit Margin
33.81%12.32%10.23%11.04%27.98%
Continuous Operations Profit Margin
33.81%12.32%10.23%11.04%27.98%
Net Income Per EBT
77.88%78.40%79.44%81.42%81.21%
EBT Per EBIT
100.00%100.00%100.00%100.00%100.00%
Return on Assets (ROA)
2.25%0.65%0.53%0.52%1.19%
Return on Equity (ROE)
24.82%7.47%6.38%6.66%15.25%
Return on Capital Employed (ROCE)
2.89%6.24%6.10%3.63%11.14%
Return on Invested Capital (ROIC)
2.25%4.89%4.85%2.96%8.76%
Return on Tangible Assets
2.25%0.65%0.53%0.52%1.19%
Earnings Yield
18.81%7.10%6.00%6.72%12.28%
Efficiency Ratios
Receivables Turnover
 0.00 0.00 3.78 3.57 0.00
Payables Turnover
 0.00 0.00 0.00 0.00 0.00
Inventory Turnover
 0.00 0.00 0.00 0.00 0.00
Fixed Asset Turnover
 4.51 3.51 3.22 2.87 2.48
Asset Turnover
 0.07 0.05 0.05 0.05 0.04
Working Capital Turnover Ratio
 -0.17 -0.07 -0.08 -0.07 -0.07
Cash Conversion Cycle
 0.00 0.00 96.63 102.29 0.00
Days of Sales Outstanding
 0.00 0.00 96.63 102.29 0.00
Days of Inventory Outstanding
 0.00 0.00 0.00 0.00 0.00
Days of Payables Outstanding
 0.00 0.00 0.00 0.00 0.00
Operating Cycle
 0.00 0.00 96.63 102.29 0.00
Cash Flow Ratios
Operating Cash Flow Per Share
 15.44 1.78 1.59 2.01 2.88
Free Cash Flow Per Share
 15.06 1.42 1.24 1.59 2.64
CapEx Per Share
 0.39 0.36 0.35 0.42 0.24
Free Cash Flow to Operating Cash Flow
 0.98 0.80 0.78 0.79 0.92
Dividend Paid and CapEx Coverage Ratio
 40.08 4.95 4.54 4.77 12.02
Capital Expenditure Coverage Ratio
 40.08 4.95 4.54 4.77 12.02
Operating Cash Flow Coverage Ratio
 0.00 0.22 0.53 0.12 0.36
Operating Cash Flow to Sales Ratio
 1.05 0.16 0.15 0.22 0.40
Free Cash Flow Yield
56.40%7.20%7.05%10.62%15.91%
Valuation Ratios
Price-to-Earnings (P/E) Ratio
 5.32 14.08 16.67 14.88 8.14
Price-to-Sales (P/S) Ratio
 1.82 1.73 1.71 1.64 2.28
Price-to-Book (P/B) Ratio
 1.14 1.05 1.06 0.99 1.24
Price-to-Free Cash Flow (P/FCF) Ratio
 1.77 13.88 14.19 9.42 6.29
Price-to-Operating Cash Flow Ratio
 1.70 11.08 11.07 7.45 5.76
Price-to-Earnings Growth (PEG) Ratio
 0.02 0.44 2.78 -0.29 0.12
Price-to-Fair Value
 1.14 1.05 1.06 0.99 1.24
Enterprise Value Multiple
 3.83 12.87 9.17 19.64 8.26
Enterprise Value
 546.29M 514.84M 347.64M 686.79M 559.60M
EV to EBITDA
 3.83 12.87 9.17 19.64 8.26
EV to Sales
 1.71 2.02 1.45 3.24 3.12
EV to Free Cash Flow
 1.66 16.19 12.07 18.60 8.62
EV to Operating Cash Flow
 1.62 12.92 9.41 14.70 7.90
Tangible Book Value Per Share
 23.02 18.59 16.54 15.11 13.36
Shareholders’ Equity Per Share
 23.11 18.69 16.54 15.11 13.36
Tax and Other Ratios
Effective Tax Rate
 0.22 0.22 0.21 0.19 0.19
Revenue Per Share
 14.64 11.34 10.31 9.11 7.28
Net Income Per Share
 4.95 1.40 1.06 1.01 2.04
Tax Burden
 0.78 0.78 0.79 0.81 0.81
Interest Burden
 1.00 1.00 1.00 1.00 1.00
Research & Development to Revenue
 0.00 0.00 0.00 0.00 0.00
SG&A to Revenue
 0.23 0.30 0.28 0.29 0.30
Stock-Based Compensation to Revenue
 <0.01 <0.01 <0.01 <0.01 <0.01
Income Quality
 3.12 1.27 1.51 2.00 1.41
Currency in USD