Carter Bankshares, Inc. Common Stock (CARE) Stock Price

CAREStock

$30.21+65.08%52W

Market Cap$699.78M

P/E21.35x

PEG Ratio4.28

Div yield1.25%

Beta0.59

CARE Share Price Chart

Favorite Metrics

Price vs S&P 500 (26W)13.70%

Price vs S&P 500 (4W)-0.27%

PEG Ratio4.28

VGM Score59.08

P/E Ratio (Annual)21.35x

Indicated Dividend Yield (Annual)1.25%

P/CF (Annual)16.80x

Book Value / Share (Quarterly)$24.33

P/TBV (Annual)1.04x

Indicated Dividend (Annual)$0.40

Revenue Growth (3Y)0.22%

Cash Flow / Share (Quarterly)$2.65

Payout Ratio (TTM)7.68%

Price vs S&P 500 (YTD)41.74%

Net Profit Margin (TTM)26.04%

EPS (TTM)$5.88

10-Day Avg Trading Volume0.15M

EPS Excl Extra (TTM)$5.88

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)5.21x

Revenue Growth QoQ (YoY)15.50%

EPS Growth (5Y)1.22%

P/E Normalized (Annual)21.35x

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 Ratio1.24x

P/B Ratio (Quarterly)1.40x

Net Income / Employee (Annual)$45,700

ROA (TTM)2.67%

EPS Growth QoQ (YoY)254.81%

EV / EBITDA (TTM)4.15x

EPS Incl Extra (Annual)$1.40

3-Month Avg Trading Volume0.34M

52-Week Price Return65.08%

EV / Free Cash Flow (Annual)21.05x

P/E Incl Extra (TTM)5.21x

Tangible BV / Share (Quarterly)$24.29

P/S Ratio (Annual)1.80x

52-Week High$36.06

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 Return23.61%

13-Week Price Return-9.42%

Total Debt / Equity (Annual)0.02x

Enterprise Value$669.57M

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 Dev22.22%

Net Income / Employee (TTM)$187,100

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)2.03x

EV / Free Cash Flow (TTM)11.40x

Total Debt / Equity (Quarterly)0.00x

EPS Incl Extra (TTM)$5.88

ROI (TTM)27.40%

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/E9.99x

Free OCF CAGR (5Y)-0.70%

Price vs S&P 500 (52W)49.55%

P/E Ratio (TTM)5.21x

EPS Growth TTM (YoY)328.12%

Year-to-Date Return53.66%

5-Day Price Return-0.30%

EPS Normalized (Annual)$1.40

ROA (5Y Avg)0.73%

Net Profit Margin (Annual)31.00%

Month-to-Date Return1.07%

Cash Flow / Share (TTM)$2.01

EBITD / Share (Annual)$2.13

EPS Growth (3Y)-11.82%

Operating Margin (Annual)38.18%

P/CF (TTM)9.96x

ROI (5Y Avg)8.45%

P/E Excl Extra (TTM)5.21x

EPS Basic Excl Extra (TTM)$5.88

P/TBV (Quarterly)1.40x

P/B Ratio (Annual)1.03x

Pretax Margin (TTM)31.65%

Book Value / Share (Annual)$19.01

Price vs S&P 500 (13W)-12.10%

Net Margin Growth (5Y)77.28%

Beta0.59x

P/FCF (Annual)21.05x

Revenue / Share (TTM)$6.71

ROE (TTM)27.40%

52-Week Low$16.78

vGradeB

gGradeD

mGradeB

vgmGradeC

CARE Earnings Surprise History

Quarter	Report date	EPS estimate	EPS actual	Surprise
Q2 2026	Jul 23, 2026	$0.43	$0.53	+24.22%(+$0.10)
Q1 2026	Apr 23, 2026	$3.91	$0.40	-89.77%(-$3.51)
Q4 2025	Jan 29, 2026	$0.35	$0.41	+17.14%(+$0.06)
Q3 2025	Oct 23, 2025	$0.41	$0.26	-37.10%(-$0.15)
Q2 2025	Jul 24, 2025	$0.32	$0.41	+26.81%(+$0.09)

CARE Analyst Recommendations

Jun 2026

Jul 2026

Aug 2026

Sep 2026

4.00

3.90

3.91

Industry Peers — National Banks(118)

Symbol	Value Score	Growth Score	Momentum Score	P/B Ratio (Quarterly)	ROE (TTM)	ROA (TTM)	Net Interest Coverage (TTM)	Price
CARECarter Bankshares, Inc. Common Stock	B	D	B	1.4x	27.4%	2.7%	—	$30.21
JPMJPMorgan Chase & Co.	D	C	C	2.4x	17.9%	1.4%	—	$339.72
BACBank of America Corporation	C	C	F	1.3x	10.7%	0.9%	—	$51.23
WFCWells Fargo & Co.	C	C	D	1.4x	12.8%	1.0%	—	$83.87
CCitigroup Inc.	B	C	D	1.0x	9.2%	0.7%	—	$124.26
UBSUBS Group AG	D	C	C	1.8x	10.5%	0.6%	—	$47.68
COFCapital One Financial	B	D	D	1.1x	9.3%	1.6%	—	$201.74
MFGMizuho Financial Group, Inc. American Depositary Shares (Each representing one-fifth of an Ordinary Share)	D	B	B	1.6x	12.3%	0.5%	—	$10.17
USBU.S. Bancorp	B	C	C	1.4x	12.6%	1.2%	—	$58.73
PNCPNC Financial Services Group	C	C	D	1.4x	12.6%	1.3%	—	$217.39
TFCTruist Financial Corporation	B	C	D	0.9x	8.1%	0.9%	—	$47.07
SHGShinhan Financial Group Co Ltd	A	C	F	0.8x	9.2%	0.7%	—	$70.31
HBANHuntington Bancshares Inc	C	C	F	1.1x	8.6%	0.9%	—	$15.27
RFRegions Financial Corp.	C	D	D	1.3x	12.3%	1.4%	—	$27.45
KEYKeyCorp	C	C	D	1.3x	10.1%	1.1%	—	$19.99
PNFPPinnacle Financial Partners, Inc.	C	B	D	1.0x	7.6%	0.9%	—	$94.72
FHNFirst Horizon Corporation	C	B	D	1.3x	11.7%	1.3%	—	$22.88
UMBFUMB Financial Corp	C	B	D	1.4x	12.2%	1.3%	—	$131.10
CFRCullen/Frost Bankers Inc.	D	C	C	2.1x	15.0%	1.3%	—	$155.05
ONBOld National Bancorp	C	B	C	1.2x	10.5%	1.2%	—	$25.01
ZIONZions Bancorporation N.A.	A	C	C	1.3x	16.1%	1.3%	—	$63.37
BOKFBOK Financial Corp	B	C	D	1.4x	10.8%	1.2%	—	$124.83
VLYValley National Bancorp	B	B	D	1.0x	8.9%	1.1%	—	$12.66
FNBF.N.B. Corp	B	C	D	1.0x	8.9%	1.2%	—	$17.23
FULTFulton Financial Corp	B	C	C	1.2x	11.2%	1.2%	—	$22.40
WSFSWSFS Financial Corp	D	B	B	1.5x	11.7%	1.5%	—	$76.35
BANFBancfirst Corp	D	C	D	1.9x	13.4%	1.7%	—	$109.03
WSBCWesBanco Inc	B	B	C	0.9x	8.7%	1.3%	—	$37.22
NICNicolet Bankshares,Inc.	F	C	C	1.5x	8.8%	1.3%	—	$163.80
FFBCFirst Financial Bancorp	B	B	C	1.2x	10.1%	1.3%	—	$31.48
PRKPark National Corporation	D	D	C	1.9x	12.4%	1.7%	—	$178.65
SFNCSimmons First National Corp	B	C	C	1.0x	7.6%	1.1%	—	$22.07
CBUCommunity Financial System, Inc.	D	D	D	1.7x	11.3%	1.3%	—	$60.24
BANCBanc of California, Inc.	B	C	F	1.0x	-0.6%	-0.1%	—	$17.18
NBTBNBT Bancorp Inc	C	C	C	1.3x	11.3%	1.3%	—	$50.85
TRMKTrustmark Corp	C	C	C	1.3x	11.0%	1.2%	—	$44.90
FRMEFirst Merchants Corp	B	C	D	1.0x	7.3%	0.9%	—	$39.60
NWBINorthwest Bancshares, Inc	C	D	C	1.2x	8.1%	0.9%	—	$14.93
WAFDWaFd, Inc. Common Stock	B	C	F	0.7x	8.5%	0.9%	—	$29.15
FCFFirst Commonwealth Financial Corporation	C	C	B	1.3x	10.8%	1.4%	—	$20.34
TBBKThe Bancorp Inc.	C	B	F	3.7x	32.3%	2.5%	—	$49.60
CHCOCity Holding Co	D	D	B	2.3x	16.4%	2.0%	—	$141.69
HOPEHope Bancorp, Inc.	B	C	C	0.8x	5.7%	0.7%	—	$13.43
DCOMDime Commercial Bancshares, Inc.	C	B	B	0.9x	7.7%	0.8%	—	$38.83
NBHCNATIONAL BANK HOLDINGS CORP.	C	C	F	1.2x	6.5%	0.9%	—	$37.92
FSUNFirstSun Capital Bancorp Common Stock	B	F	C	0.9x	3.5%	0.5%	—	$37.95
BFCBank First Corporation Common Stock	F	B	C	2.0x	11.1%	1.6%	—	$147.70
OCFCOceanFirst Financial Corp	C	C	F	0.8x	2.6%	0.3%	—	$15.83
CASHPathward Financial, Inc. Common Stock	B	C	D	2.2x	20.6%	2.4%	—	$72.93
WABCWestamerica Bancorporation	D	D	B	1.7x	12.8%	1.9%	—	$61.28
BHRBBurke & Herbert Financial Services Corp. Common Stock	D	D	C	1.2x	10.4%	1.1%	—	$69.69

About Carter Bankshares, Inc. Common Stock

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.

CARE Next Earnings Report

Report dateOct 29, 2026

QuarterQ3 2026

Report timeBMO

EPS estimate$0.53

Revenue estimate$45.36M

Also reporting on Oct 29, 2026

Scheduled date with consensus estimates — both can change before the company reports.

Earnings calendar for October 2026

CARE Insider Transactions

SellSep 11, 2026
MIDKIFF CATHARINE L
Director
Shares: 1,000Value: $31,250
SellJul 30, 2026
LANGS BRADFORD N
Officer
Shares: 2,500Value: $86,340
SellJul 30, 2026
BOLTON ROBERT M
Director
Shares: 1,500Value: $51,900

Open-market buys and sells filed with the SEC over the last 90 days. Grants, gifts and option exercises are excluded.

All insider transactions for September 2026

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MSBIMidland States Bancorp, Inc. Common StockState Banks

Same SIC sector, outside this company's own industry.

Analyst Sentiment

3.9

Buy

Consensus rating

52-Week Range

Low$16.78

High$36.06