CARE Carter Bankshares, Inc.

QT82

NASDAQ·Financial Services·Banks - Regional·USA

Latest market price

29.00

-0.89-2.98%

Overview Short InterestFilings

CAREQT82Carter Bankshares, Inc.·NASDAQ

Overview Short InterestFilings

29.00-2.98%

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Signal & projected range

Earnings big miss — drift (PEAD)Historical pattern — not a prediction

Recent priceDays this stock last showed the setupRange of past outcomes (±1σ)

Horizon

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Over the next 20 trading days, similar setups historically landed in a measured range of outcomes. Unlock with Premium to see the median return, the typical range, and how often they were positive. This is the historical range of outcomes — not a prediction of this stock’s price.

Ranges describe how this exact setup resolved in the past — derived from thousands of historical occurrences across QuoTrend’s coverage since 2006, survivorship-corrected to include companies that later delisted. The band is the typical spread (±1σ) of those outcomes, not a forecast; the central value is their average move. Fewer matching cases over longer horizons widen the band and lower its reliability. Backtested results are hypothetical, based on historical data, and do not represent actual trading. Past performance does not guarantee or predict future results. QuoTrend is an educational research tool, not investment advice. Markets involve risk, including loss of principal.

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Snapshot

Index	—	P/E	4.83	EPS (ttm)	6.00	Insider Own	4.28%	Shs Outstand	22.16M	Perf Week	-5.14%

Market Cap	642.75M	Forward P/E	11.63	EPS next Y	2.49	Insider Trans	-0.83%	Shs Float	21.17M	Perf Month	-4.48%

Enterprise Value	625.13M	PEG	—	EPS next Q	0.54			Short Float	11.75%	Perf Quarter	-18.15%

Income	131.00M	P/S	1.83	EPS this Y	346.03%			Short Ratio	8.13	Perf Half Y	12.06%

Sales	352.00M	P/B	1.22	EPS next Y	-58.74%	ROA	2.77%	Short Interest	2.49M	Perf YTD	47.51%

Book/sh	23.78	P/C	0.90	EPS next 5Y	-22.99%	ROE	26.30%	52W High	36.06 -19.58%	Perf Year	66.95%

Cash/sh	32.26	P/FCF	11.08	EPS past 3/5Y	-11.65% —	ROIC	16.65%	52W Low	16.78 72.82%	Perf 3Y	172.56%

Dividend Est.	0.40 (1.38%)	EV/EBITDA	3.65	Sales past 3/5Y	12.52% 9.23%	Gross Margin	81.32%	Volatility	2.62% 1.99%	Perf 5Y	94.89%

Dividend TTM	0.20 (0.69%)	EV/Sales	1.78	EPS Y/Y TTM	341.18%	Oper. Margin	46.80%	ATR (14)	0.70	Perf 10Y	129.62%

Dividend Ex-Date	Nov 09, 2026	Quick Ratio	—	Sales Y/Y TTM	41.37%	Profit Margin	37.19%	RSI (14)	34.54	Recom	3.00

Dividend Gr. 3/5Y	— -18.94%	Current Ratio	—	EPS Q/Q	34.62%	SMA20	-4.09%	Beta	0.59	Target Price	34.50

Payout	1.70%	Debt/Eq	0.04	Sales Q/Q	4.69%	SMA50	-5.39%	Rel Volume	0.93	Prev Close	29.89

Employees	687	LT Debt/Eq	0.04	Earnings	Feb 04	SMA200	5.55%	Avg Volume	262.17K	Price	29.00

IPO Date	Mar 15, 2007	Option/Short	Yes / Yes	EPS/Sales Surpr.	-26.92% 42.83%	Net Debt/EBITDA	-4.09	Volume	244,186	Change	-2.98%

Analyst Ratings

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

Latest News· Times ET

Oct-29-26

Oct-29-2611:31AM

Carter Bankshares, Inc. (CARE) Q3 Earnings and Revenues Miss Estimateszacks.com

11:02AM

Carter Bankshares (CARE) Q3 Earnings: Taking a Look at Key Metrics Versus Estimateszacks.com

Oct-27-26

Oct-27-2608:40AM

Esquire Financial Holdings, Inc. (ESQ) Surpasses Q3 Earnings and Revenue EstimatesYahoo

Oct-15-26

Oct-15-2610:01AM

Implied Volatility Surging for Carter Bankshares Stock Optionszacks.com

Oct-12-26

Oct-12-2601:58AM

Comparing Carter Bankshares (NASDAQ:CARE) and Southern Missouri Bancorp (NASDAQ:SMBC)defenseworld.net

Oct-06-26

Oct-06-2603:17AM

Reviewing Carter Bankshares (NASDAQ:CARE) and First Business Financial Services (NASDAQ:FBIZ)defenseworld.net

Sep-24-26

Sep-24-2610:30AM

CEO Litz Van Dyke Reflects on 10 Years with Carter Bankaccessnewswire.com

Sep-21-26

Sep-21-2604:16AM

Carter Bankshares, Inc. (NASDAQ:CARE) Receives Consensus Rating of “Hold” from Brokeragesdefenseworld.net

Sep-15-26

Sep-15-2609:00AM

Carter Bank Strengthens Raleigh Presence with Commercial Banking Leader Kevin LockhartYahoo

Aug-17-26

Aug-17-2601:02PM

Carter Bankshares Announces Lawsuit Against Carter Bankshares And Carter Bank & Trust Dismissed With PrejudiceBenzinga

Aug-11-26

Aug-11-2604:30PM

Carter Bankshares, Inc. Establishes Dividend Reinvestment and Stock Purchase Planaccessnewswire.com

12:40PM

Carter Bankshares Launches Dividend Reinvestment And Stock Purchase Plan With Offering Of Up To 1M Shares To Existing HoldersBenzinga

Aug-06-26

Aug-06-2607:36AM

Carter Bankshares' Growth Doesn't Buy It A 'Buy' RatingSeekingAlpha

Aug-05-26

Aug-05-2612:55PM

Last Chance – 5 Dividend Stocks You Must Buy This Week to Get Paid in August247wallst.com

Aug-03-26

Aug-03-2609:15AM

KIMBERLY-CLARK UNVEILS PROPRIETARY ALTERNATIVE NATURAL FIBER INNOVATION PROGRAM TO ADVANCE ITS "BETTER CARE FOR A BETTER WORLD" COMMITMENTprnewswire.com

Company

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.

Ownership

Per-holder 13F data hasn't been ingested for this ticker yet.

Financial Statements

DataTimeframe

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	352	255	240	212	—	—	—	—	—
Cost of Goods Sold Incl. D&A	65	98	102	81	—	—	—	—	—
Gross Profit	286	157	137	131	—	—	—	—	—
Selling, General and Administrative Excl. Other	80	75	67	62	—	—	—	—	—
Research and Development	0	0	0	0	—	—	—	—	—
Other Operating Expense	42	42	40	41	—	—	—	—	—
Operating Income	164	40	31	29	—	—	—	—	—
Interest Expense	91	101	107	74	—	—	—	—	—
Unusual Expense	—	—	—	—	—	—	—	—	—
Non-Operating Income (Expense)	91	101	107	74	—	—	—	—	—
Net Income Before Taxes	164	40	31	29	—	—	—	—	—
Income Taxes	34	9	6	5	—	—	—	—	—
Consolidated Net Income	131	31	25	23	—	—	—	—	—
Net Income From Continuing Operations	131	31	25	23	—	—	—	—	—
Net Income	131	31	25	23	—	—	—	—	—
EPS (Recurring)	6.00	1.40	1.06	1.00	—	—	—	—	—
EPS (Basic, Before Extraordinaries)	6.00	1.40	1.06	1.00	—	—	—	—	—
EPS (Diluted)	6.00	1.40	1.06	1.00	—	—	—	—	—
EBITDA	170	48	38	35	—	—	—	—	—
Other After Tax Adjustments	—	—	—	—	—	—	—	—	—
Stock Option Compensation Expense	—	—	—	—	—	—	—	—	—
Price To Earnings Ratio	4.83	14.04	16.59	14.97	—	—	—	—	—
Price To Sales Ratio	1.81	1.70	1.69	1.62	—	—	—	—	—
Gross Margin	81.25	61.57	57.08	61.79	—	—	—	—	—
Operating Margin	46.59	15.69	12.92	13.68	—	—	—	—	—
Net Margin	37.22	12.16	10.42	10.85	—	—	—	—	—
Shares Outstanding	22	22	23	23	—	—	—	—	—
Market Capitalization	638	433	405	344	—	—	—	—	—
Operating Lease Expense	—	—	—	—	—	—	—	—	—

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Insider Trading Volume

Insider Trading

Insider	Relationship	Date	Transaction	Cost	#Shares	Value ($)	#Shares Total	SEC Form 4
Midkiff Catharine L.	Director	Sep 11 '26	Sale	31.25	2,000	62,500	16,856	Sep 11
Langs Bradford N.	PRESIDENT, CHIEF STRATEGY OFCR	Jul 30 '26	Sale	34.54	2,500	86,340	33,242	Jul 30
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	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

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QuoTrend signals describe historical patterns and statistics — educational information, not investment advice or a recommendation to buy or sell. Past performance doesn’t guarantee future results. Every figure traces to QuoTrend data. Historical patterns — not a prediction or advice.