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CARTER BANKSHARES INC

CARENASDAQ
πŸ† #2665 by market capEarnings Jan 27US Equity
$29.76β–Ό $0.47 (βˆ’1.54%)
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24hβ–Ό 1.5%
7dβ–Ό 3.1%
14dβ–Ό 1.9%
30dβ–Ό 1.2%
ytdβ–² 51.3%
1yβ–² 71.4%
🏦Market Cap
$659M
Small Cap
πŸ“ˆRevenue Growth (YoY)
6.2%
Slowing
πŸ“ŠGross Margin
81.9%
High
πŸ’΅FCF Margin
16.9%
Healthy
βš–οΈP/S Ratio
1.9x
Cheap
Otter Score
84
Strong

Trading Snapshot

Day Range
$29.20 – $30.22
52-Week Range
$16.78 – $36.06
Volume (shares)
108,359.548
Avg Volume (shares)
β€”
Shares Outstanding
22.2M
Next Earnings
2027-01-27

Fundamentals Snapshot

Annual Revenue
$255M
Last Q Revenue
$90M
P/E Ratio
5.2
P/S Ratio
1.9x
EPS (TTM)
$5.89
Dividend Yield
0.66%
Dilution (1yr)
βˆ’6.0%
CARE logo

CARTER BANKSHARES INC

CARE
Financial Trends
RevenueThe total money the company brought in from sales, before subtracting any costs.
$255Mβ–² +6.2% YoY
Gross MarginOf every $1 of sales, how much is left after the direct cost of making the product/service. Higher = more efficient.
61.7%β–² +7.6% YoY
Operating IncomeProfit from the core business after operating costs, but before interest and taxes. Negative means the core business isn’t profitable yet.
$40Mβ–² +29.6% YoY
Free Cash FlowCash left over after running the business and paying for equipment/capex. Negative means the company is burning cash.
$32Mβ–² +10.4% YoY
Shares OutstandingHow many shares exist. Rising means the company is issuing more shares, which dilutes (shrinks) each existing owner’s slice.
21.9Mβ–Ό βˆ’6.0% YoY
Net CashCash minus total debt. Positive = more cash than debt (financially strong); negative = more debt than cash (net debt).
βˆ’$73Mβ–Ό βˆ’$135M YoY
StockOtter Β· stockotter.space

About CARTER BANKSHARES INC

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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Otter Score Breakdown

How it's scoredFive components, each rated 1–5β˜… and equally weighted (20%), averaged to a 0–100 score:πŸ’Ž Quality β€” gross marginπŸš€ Growth β€” revenue YoYβš–οΈ Valuation β€” P/S ratio⚑ Momentum β€” 30-day price changeπŸ’§ Dilution β€” 1-yr share issuance (buybacks score higher)
πŸ’ŽQualityβ˜…β˜…β˜…β˜…β˜…
πŸš€Growthβ˜…β˜…β˜…β˜…β˜…
βš–οΈValuationβ˜…β˜…β˜…β˜…β˜…
⚑Momentumβ˜…β˜…β˜…β˜…β˜…
πŸ’§Dilutionβ˜…β˜…β˜…β˜…β˜…
Overall Score
Strong
84/100

Analyst Ratings

β“˜
Consensus
Buy
11 analysts
Strong Buy3
Buy4
Hold4
Sell0
Strong Sell0
Ratings as of Oct 2026

Latest News & Updates

Zacks Investment ResearchΒ·5h ago

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

Carter Bankshares, Inc. (CARE) came out with quarterly earnings of $0.35 per share, missing the Zacks Consensus Estimate of $0.54 per share. This compares to earnings of $0.26 per share a year ago.

Zacks Investment ResearchΒ·6h ago

Carter Bankshares (CARE) Q3 Earnings: Taking a Look at Key Metrics Versus Estimates

Although the revenue and EPS for Carter Bankshares (CARE) give a sense of how its business performed in the quarter ended September 2026, it might be worth considering how some key metrics compare with Wall Street estima

Zacks Investment ResearchΒ·14d ago

Implied Volatility Surging for Carter Bankshares Stock Options

Investors need to pay close attention to CARE stock based on the movements in the options market lately.

Defense WorldΒ·17d ago

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

Southern Missouri Bancorp (NASDAQ: SMBC - Get Free Report) and Carter Bankshares (NASDAQ: CARE - Get Free Report) are both small-cap finance companies, but which is the superior business? We will compare the two business

Defense WorldΒ·23d ago

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

Carter Bankshares (NASDAQ: CARE - Get Free Report) and First Business Financial Services (NASDAQ: FBIZ - Get Free Report) are both small-cap finance companies, but which is the superior stock? We will contrast the two co

AccesswireΒ·Sep 24

CEO Litz Van Dyke Reflects on 10 Years with Carter Bank

Van Dyke joined the organization in the summer of 2016 and was named CEO in April of 2017, marking a decade of leadership. MARTINSVILLE, VA / ACCESS Newswire / September 24, 2026 / Carter Bank (NASDAQ:CARE) CEO Litz Van