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Carter Bankshares, Inc. Common Stock (CARE)
Price$28.54
Value ScoreA
Growth ScoreD
Momentum ScoreA
Favorite Metrics
Price vs S&P 500 (26W)47.44%
Price vs S&P 500 (4W)8.44%
VGM Score73.19
Market Capitalization$634.22M
P/E Ratio (Annual)20.22x
Indicated Dividend Yield (Annual)1.41%
All Metrics
P/CF (Annual)15.91x
Book Value / Share (Quarterly)$22.78
P/TBV (Annual)1.04x
Indicated Dividend (Annual)$0.40
Revenue Growth (3Y)0.22%
Cash Flow / Share (Quarterly)$14.86
Price vs S&P 500 (YTD)37.01%
Net Profit Margin (TTM)26.04%
EPS (TTM)$4.93
10-Day Avg Trading Volume0.29M
EPS Excl Extra (TTM)$4.93
Revenue Growth (5Y)2.14%
EPS (Annual)$1.40
ROI (Annual)7.30%
Net Profit Margin (5Y Avg)10.72%
Cash / Share (Quarterly)$2.41
P/E Basic Excl Extra (TTM)5.86x
Revenue Growth QoQ (YoY)15.50%
EPS Growth (5Y)1.22%
P/E Normalized (Annual)20.22x
ROA (Last FY)0.65%
Revenue Growth TTM (YoY)33.04%
EBITD / Share (TTM)$3.07
ROE (5Y Avg)8.70%
Operating Margin (TTM)31.65%
Cash Flow / Share (Annual)$1.44
P/B Ratio1.26x
P/B Ratio (Quarterly)1.02x
Net Income / Employee (Annual)$45,700
ROA (TTM)2.24%
EPS Growth QoQ (YoY)902.91%
EV / EBITDA (TTM)4.15x
EPS Incl Extra (Annual)$1.40
3-Month Avg Trading Volume0.27M
52-Week Price Return74.13%
EV / Free Cash Flow (Annual)19.94x
P/E Incl Extra (TTM)5.86x
Tangible BV / Share (Quarterly)$22.75
P/S Ratio (Annual)1.80x
52-Week High$28.75
Operating Margin (5Y Avg)13.61%
EPS Excl Extra (Annual)$1.40
CapEx CAGR (5Y)-4.46%
Tangible BV CAGR (5Y)-2.47%
26-Week Price Return55.36%
13-Week Price Return37.48%
Total Debt / Equity (Annual)0.02x
Enterprise Value$634.22M
Revenue / Share Growth (5Y)7.61%
Book Value / Share Growth (5Y)2.65%
Revenue / Employee (Annual)$231,253,200,000
Pretax Margin (Annual)38.18%
Cash / Share (Annual)$1.96
3-Month Return Std Dev27.87%
Net Income / Employee (TTM)$157,400
EBITDA CAGR (5Y)2.73%
EBITDA Interim CAGR (5Y)56.73%
ROE (Last FY)7.47%
EPS Basic Excl Extra (Annual)$1.40
P/FCF (TTM)1.93x
EV / Free Cash Flow (TTM)1.93x
Total Debt / Equity (Quarterly)0.00x
EPS Incl Extra (TTM)$4.93
ROI (TTM)24.82%
P/S Ratio (TTM)1.85x
Pretax Margin (5Y Avg)13.61%
Revenue / Share (Annual)$6.57
Tangible BV / Share (Annual)$18.96
Forward P/E7.53x
Free OCF CAGR (5Y)-0.70%
Price vs S&P 500 (52W)49.77%
P/E Ratio (TTM)5.86x
EPS Growth TTM (YoY)307.13%
Year-to-Date Return45.17%
5-Day Price Return5.16%
EPS Normalized (Annual)$1.40
ROA (5Y Avg)0.73%
Net Profit Margin (Annual)31.00%
Month-to-Date Return4.54%
Cash Flow / Share (TTM)$2.01
EBITD / Share (Annual)$2.13
EPS Growth (3Y)-11.82%
Operating Margin (Annual)38.18%
P/CF (TTM)1.88x
ROI (5Y Avg)8.45%
P/E Excl Extra (TTM)5.86x
EPS Basic Excl Extra (TTM)$4.93
P/TBV (Quarterly)1.03x
P/B Ratio (Annual)1.03x
Pretax Margin (TTM)31.65%
Book Value / Share (Annual)$19.01
Price vs S&P 500 (13W)29.22%
Net Margin Growth (5Y)77.28%
Beta0.56x
P/FCF (Annual)19.94x
Revenue / Share (TTM)$6.71
ROE (TTM)24.82%
52-Week Low$16.14
vGradeA
gGradeD
mGradeA
vgmGradeB
Show chart for
Earnings Surprise History
Q1 260.40est. 2.80
Analyst Recommendations
Feb 2026
Mar 2026
Apr 2026
May 2026
4.20
4.11
4.11
4.10
Industry Peers — National Banks(117)
| Symbol | Value Score | Growth Score | Momentum Score | Price |
|---|---|---|---|---|
CARECarter Bankshares, Inc. Common Stock | A | D | A | $28.54 |
| JPMJPMorgan Chase & Co. | D | C | C | $312.37 |
| BACBank of America Corporation | C | C | C | $53.83 |
| WFCWells Fargo & Co. | D | C | D | $81.94 |
| CCitigroup Inc. | C | C | A | $132.47 |
| MFGMizuho Financial Group, Inc. American Depositary Shares (Each representing one-fifth of an Ordinary Share) | D | B | A | $9.52 |
| UBSUBS Group AG | C | C | B | $47.01 |
| COFCapital One Financial | C | D | F | $180.67 |
| PNCPNC Financial Services Group | D | C | B | $228.37 |
| USBU.S. Bancorp | B | C | C | $55.69 |
| TFCTruist Financial Corporation | B | C | C | $49.20 |
About
Carter Bankshares Inc is a bank holding company providing deposit and lending services to retail and commercial customers. Revenue comes from interest income on loans and securities, plus service fees. The company offers checking, savings, and retirement deposit products alongside commercial and consumer loans, mortgage origination, and home equity lines of credit.