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Carter Bankshares, Inc. Common Stock (CARE)
Price$24.24
Favorite Metrics
Price vs S&P 500 (26W)20.86%
Price vs S&P 500 (4W)12.98%
Market Capitalization$537.49M
P/E Ratio (Annual)17.14x
All Metrics
P/CF (Annual)13.48x
Book Value / Share (Quarterly)$19.01
P/TBV (Annual)1.04x
Indicated Dividend (Annual)$0.00
Revenue Growth (3Y)0.22%
Cash Flow / Share (Quarterly)$1.44
Price vs S&P 500 (YTD)19.21%
Net Profit Margin (TTM)26.04%
EPS (TTM)$1.40
10-Day Avg Trading Volume0.35M
EPS Excl Extra (TTM)$1.40
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)17.14x
Revenue Growth QoQ (YoY)15.50%
EPS Growth (5Y)1.22%
P/E Normalized (Annual)17.14x
ROA (Last FY)0.65%
Revenue Growth TTM (YoY)33.04%
EBITD / Share (TTM)$2.13
ROE (5Y Avg)8.70%
Operating Margin (TTM)31.65%
Cash Flow / Share (Annual)$1.44
P/B Ratio1.28x
P/B Ratio (Quarterly)1.03x
Net Income / Employee (Annual)$0
ROA (TTM)0.65%
EPS Growth QoQ (YoY)7.01%
EV / EBITDA (TTM)11.23x
EPS Incl Extra (Annual)$1.40
3-Month Avg Trading Volume0.18M
52-Week Price Return65.19%
EV / Free Cash Flow (Annual)16.90x
P/E Incl Extra (TTM)17.14x
Tangible BV / Share (Quarterly)$18.96
P/S Ratio (Annual)1.80x
52-Week High$24.86
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 Return29.61%
13-Week Price Return19.81%
Total Debt / Equity (Annual)0.02x
Enterprise Value$537.488
Revenue / Share Growth (5Y)7.61%
Book Value / Share Growth (5Y)2.65%
Revenue / Employee (Annual)$231,253
Pretax Margin (Annual)38.18%
Cash / Share (Annual)$1.96
3-Month Return Std Dev28.40%
Net Income / Employee (TTM)$0
EBITDA CAGR (5Y)2.73%
EBITDA Interim CAGR (5Y)23.17%
ROE (Last FY)7.47%
EPS Basic Excl Extra (Annual)$1.40
P/FCF (TTM)16.90x
EV / Free Cash Flow (TTM)16.90x
Total Debt / Equity (Quarterly)0.00x
EPS Incl Extra (TTM)$1.40
ROI (TTM)7.65%
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/E4.42x
Free OCF CAGR (5Y)-0.70%
Price vs S&P 500 (52W)30.10%
P/E Ratio (TTM)17.14x
EPS Growth TTM (YoY)29.86%
Year-to-Date Return23.35%
5-Day Price Return-0.98%
EPS Normalized (Annual)$1.40
ROA (5Y Avg)0.73%
Net Profit Margin (Annual)31.00%
Month-to-Date Return3.99%
Cash Flow / Share (TTM)$2.01
EBITD / Share (Annual)$2.13
EPS Growth (3Y)-11.82%
Operating Margin (Annual)38.18%
P/CF (TTM)13.48x
ROI (5Y Avg)8.45%
P/E Excl Extra (TTM)17.14x
EPS Basic Excl Extra (TTM)$1.40
P/TBV (Quarterly)1.04x
P/B Ratio (Annual)1.03x
Pretax Margin (TTM)31.65%
Book Value / Share (Annual)$19.01
Price vs S&P 500 (13W)16.95%
Net Margin Growth (5Y)77.28%
Beta0.49x
P/FCF (Annual)16.90x
Revenue / Share (TTM)$6.71
ROE (TTM)7.65%
52-Week Low$14.43
Analyst Recommendations
Jan 2026
Feb 2026
Mar 2026
Apr 2026
4.20
4.20
4.11
4.11
Industry Peers — National Banks(97)
| Symbol | P/B Ratio (Quarterly) | ROE (TTM) | ROA (TTM) | Net Interest Coverage (TTM) | Price |
|---|---|---|---|---|---|
CARECarter Bankshares, Inc. Common Stock | 1.03x | 7.65% | 0.65% | — | $24.24 |
JPMJPMorgan Chase & Co. | 2.17x | 16.32% | 1.28% | — | $316.99 |
BACBank of America Corporation | 1.16x | 10.50% | 0.92% | — | $53.95 |
WFCWells Fargo & Co. | 1.37x | 12.02% | 1.03% | — | $81.97 |
CCitigroup Inc. | 0.92x | 7.55% | 0.60% | — | $133.05 |
COFCapital One Financial | 1.36x | 2.44% | 0.40% | — | $205.71 |
UBSUBS Group AG | 1.64x | 8.71% | 0.48% | — | $43.82 |
MFGMizuho Financial Group, Inc. American Depositary Shares (Each representing one-fifth of an Ordinary Share) | 1.27x | 9.73% | 0.37% | — | $8.60 |
PNCPNC Financial Services Group | 1.32x | 11.98% | 1.25% | — | $227.03 |
USBU.S. Bancorp | 1.23x | 12.21% | 1.13% | — | $57.00 |
TFCTruist Financial Corporation | 0.89x | 8.51% | 1.01% | — | $50.84 |
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.