Carter Bankshares, Inc. (NASDAQ: CARE) is a Financial Services company in the Banks - Regional industry. QuoTrend tracks its price, financials, earnings, analyst ratings and insider trades.
| Index | - | P/E | 5.18 | EPS (ttm) | 5.88 | Insider Own | 4.28% | Shs Outstand | 22.16M | Perf Week | -3.58% |
| Market Cap | 675.28M | Forward P/E | 12.22 | EPS next Y | 2.49 | Insider Trans | -0.73% | Shs Float | 21.16M | Perf Month | -3.36% |
| Enterprise Value | 365.28M | PEG | - | EPS next Q | 0.54 | Inst Own | - | Short Float | 9.94% | Perf Quarter | -1.39% |
| Income | 128.00M | P/S | 1.93 | EPS this Y | 2.80% | Inst Trans | - | Short Ratio | 5.24 | Perf Half Y | 55.38% |
| Sales | 349.00M | P/B | 1.61 | EPS next Y | -58.74% | ROA | 2.68% | Short Interest | 2.10M | Perf YTD | 54.98% |
| Book/sh | 18.95 | P/C | 1.38 | EPS next 5Y | -22.99% | ROE | 27.40% | 52W High | 36.06 -15.50% | Perf Year | 55.22% |
| Cash/sh | 22.06 | P/FCF | 11.78 | EPS past 3/5Y | -11.65% - | ROIC | 21.27% | 52W Low | 16.78 81.59% | Perf 3Y | 122.90% |
| Dividend Est. | 0.40 (1.31%) | EV/EBITDA | 2.11 | Sales past 3/5Y | 12.52% 9.23% | Gross Margin | 81.86% | Volatility | 2.60% 2.49% | Perf 5Y | 124.87% |
| Dividend TTM | 0.20 (0.66%) | EV/Sales | 1.05 | EPS Y/Y TTM | 454.72% | Oper. Margin | 47.49% | ATR (14) | 0.85 | Perf 10Y | 124.00% |
| Dividend Ex-Date | Aug 10, 2026 | Quick Ratio | 0.01 | Sales Y/Y TTM | 45.42% | Profit Margin | 36.89% | RSI (14) | 37.74 | Recom | 3.00 |
| Dividend Gr. 3/5Y | - -18.94% | Current Ratio | 0.01 | EPS Q/Q | 219.51% | SMA20 | -2.68% | Beta | 0.58 | Target Price | 30.75 |
| Payout | 1.73% | Debt/Eq | 0.43 | Sales Q/Q | 45.16% | SMA50 | -6.03% | Rel Volume | 0.61 | Prev Close | 30.58 |
| Employees | 687 | LT Debt/Eq | 0.43 | Earnings | Oct 22 | SMA200 | 17.91% | Avg Volume | 378.22K | Price | 30.47 |
| IPO Date | Mar 15, 2007 | Option/Short | Yes / Yes | EPS/Sales Surpr. | -9.03% 22.86% | Net Debt/EBITDA | -0.24 | Volume | 230,848 | Change | -0.36% |
| Date | Action | Analyst | Rating | Target |
|---|---|---|---|---|
| Jul-27-26 | Reiterated | Hovde Group | Market Perform | $30 → $35 |
| Jul-01-26 | Downgrade | Raymond James | Outperform → Market Perform | |
| Jun-03-26 | Downgrade | Hovde Group | Outperform → Market Perform | $30 |
| May-15-26 | Downgrade | Freedom Broker | Buy → Hold | |
| Apr-27-26 | Reiterated | Raymond James | Outperform | $25 → $27 |
| Oct-07-25 | Reiterated | Raymond James | Outperform | $21 → $22 |
| May-01-23 | Upgrade | Raymond James | Market Perform → Outperform | |
| Oct-06-22 | Downgrade | DA Davidson | Buy → Neutral | |
| Jul-07-22 | Upgrade | Raymond James | Market Perform → Outperform | |
| Jul-08-21 | Downgrade | Raymond James | Outperform → Market Perform |
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.
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| Line Item (USD, M) | TTM — | FY 2025 12/31/2025 | FY 2024 12/31/2024 | FY 2023 12/31/2023 | FY 2022 12/31/2022 | FY 2021 12/31/2021 | FY 2020 12/31/2020 | FY 2019 12/31/2019 | FY 2018 12/31/2018 | |
|---|---|---|---|---|---|---|---|---|---|---|
| Total Revenue | 349 | 255 | 240 | — | — | — | — | — | — | |
| Cost of Goods Sold Incl. D&A | 63 | 98 | 102 | — | — | — | — | — | — | |
| Gross Profit | 285 | 157 | 137 | — | — | — | — | — | — | |
| Selling, General and Administrative Excl. Other | 75 | 75 | 67 | — | — | — | — | — | — | |
| Research and Development | 0 | 0 | 0 | — | — | — | — | — | — | |
| Other Operating Expense | 45 | 42 | 40 | — | — | — | — | — | — | |
| Operating Income | 165 | 40 | 31 | — | — | — | — | — | — | |
| Interest Expense | 95 | 101 | 107 | — | — | — | — | — | — | |
| Unusual Expense | — | — | — | — | — | — | — | — | — | |
| Non-Operating Income (Expense) | 95 | 101 | 107 | — | — | — | — | — | — | |
| Net Income Before Taxes | 165 | 40 | 31 | — | — | — | — | — | — | |
| Income Taxes | 37 | 9 | 6 | — | — | — | — | — | — | |
| Consolidated Net Income | 128 | 31 | 25 | — | — | — | — | — | — | |
| Net Income From Continuing Operations | 128 | 31 | 25 | — | — | — | — | — | — | |
| Net Income | 128 | 31 | 25 | — | — | — | — | — | — | |
| EPS (Recurring) | 5.88 | 1.40 | 1.06 | — | — | — | — | — | — | |
| EPS (Basic, Before Extraordinaries) | 5.88 | 1.40 | 1.06 | — | — | — | — | — | — | |
| EPS (Diluted) | 5.88 | 1.40 | 1.06 | — | — | — | — | — | — | |
| EBITDA | 173 | 48 | 38 | — | — | — | — | — | — | |
| Other After Tax Adjustments | — | — | — | — | — | — | — | — | — | |
| Stock Option Compensation Expense | — | — | — | — | — | — | — | — | — | |
| Price To Earnings Ratio | 5.18 | 14.04 | 16.59 | — | — | — | — | — | — | |
| Price To Sales Ratio | 1.92 | 1.70 | 1.69 | — | — | — | — | — | — | |
| Gross Margin | 81.66 | 61.57 | 57.08 | — | — | — | — | — | — | |
| Operating Margin | 47.28 | 15.69 | 12.92 | — | — | — | — | — | — | |
| Net Margin | 36.68 | 12.16 | 10.42 | — | — | — | — | — | — | |
| Shares Outstanding | 22 | 22 | 23 | — | — | — | — | — | — | |
| Market Capitalization | 670 | 433 | 405 | — | — | — | — | — | — | |
| Operating Lease Expense | — | — | — | — | — | — | — | — | — |
| Insider | Relationship | Date | Transaction | Cost | #Shares | Value ($) | #Shares Total | SEC Form 4 |
|---|---|---|---|---|---|---|---|---|
| Midkiff Catharine L. | Director | Sep 11 '26 | Sale | 31.25 | 1,000 | 31,250 | 16,856 | Sep 11 |
| Bolton Robert M. | Director | Jul 30 '26 | Sale | 34.60 | 1,500 | 51,900 | 55,000 | Jul 30 |
| Langs Bradford N. | PRESIDENT, CHIEF STRATEGY OFCR | Jul 30 '26 | Sale | 34.54 | 2,500 | 86,340 | 33,242 | Jul 30 |
| Langs Bradford N. | PRESIDENT, CHIEF STRATEGY OFCR | May 12 '26 | Sale | 26.47 | 5,500 | 145,558 | 27,093 | May 12 |
| Walsh Elizabeth L. | Director | May 06 '26 | Buy | 26.20 | 4,575 | 119,865 | 58,753 | May 07 |
| Haskins James W. | Director | May 05 '26 | Sale | 26.04 | 1,000 | 26,040 | 62,702 | May 06 |
| Bolton Robert M. | Director | Oct 30 '25 | Sale | 17.23 | 1,901 | 32,754 | 10,827 | Nov 03 |
| Speare Matthew M. | SEVP, CHIEF OPERATING OFFICER | Sep 10 '25 | Sale | 19.83 | 13,550 | 268,752 | 21,909 | Sep 11 |
| Bell Wendy S. | SENIOR EXECUTIVE VP, CFO | Aug 26 '25 | Sale | 19.54 | 250 | 4,885 | 0 | Aug 26 |
| Midkiff Catharine L. | Director | Jul 30 '25 | Sale | 17.76 | 2,000 | 35,520 | 16,054 | Jul 30 |
| Haskins James W. | Director | Jul 28 '25 | Sale | 17.84 | 2,000 | 35,680 | 61,900 | Jul 28 |
| Bloomfield Kevin S. | Director | Jun 12 '25 | Sale | 16.81 | 1,629 | 27,377 | 16,418 | Jun 13 |
| Bloomfield Kevin S. | Director | Jun 11 '25 | Sale | 16.74 | 6,138 | 102,744 | 16,418 | Jun 13 |
| Bloomfield Kevin S. | Director | Jun 10 '25 | Sale | 16.71 | 4,509 | 75,367 | 18,047 | Jun 13 |
| Bloomfield Kevin S. | Director | Jun 09 '25 | Sale | 16.52 | 1,000 | 16,521 | 22,556 | Jun 13 |