Carter Bankshares Inc.

CARE | NASDAQ

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$30.70

-$0.09 (-0.29%)

At close: Sep 21, 2026, 4:00 PM ET

$30.42

-$0.28 (-0.91%)

Pre-market: Sep 22, 2026, 4:30 AM ET

Overview Rating Statistics Financials Earnings Analysts Ownership Dividends Profile

Market Data

Market Cap $682.37M

Enterprise Value $639.28M

Beta 0.50

Average Volume 368.4K

Shares Outstanding (Diluted) 21.84M

Shares Change YoY -4.24%

Institutional Ownership 58.06%

Exchange NASDAQ

ISIN US1461031064

Price Performance

Price Change 1M -1.4%

Price Change 3M -5.0%

Price Change 6M 50.4%

Price Change YTD 58.0%

Price Change 1Y 55.8%

Price Change 3Y 138.3%

Price Change 5Y 109.4%

1M CAGR (ann.) -8.9%

1Y CAGR (ann.) 56.8%

5Y CAGR (ann.) 17.9%

All-Time CAGR 6.8%

Valuation

PE Ratio 5.22

Forward PE 12.21

PEG Ratio 0.02

Forward PEG -0.09

PS Ratio 1.95

Forward PS 2.20

PB Ratio 1.26

P/FCF Ratio 2.07

P/Adj. FCF Ratio 2.08

P/OCF Ratio 9.97

EV/Sales 1.83

EV/EBIT 3.86

EV/EBITDA 3.72

EV/FCF 1.94

Earnings Yield 19.1%

FCF Yield 48.4%

Adj. FCF Yield 48.1%

Financial Health

Net Cash $41.1M

Total Debt $0

Cash & Short-Term Investments $41.1M

Total Assets $4.8B

Current Ratio 0.01

Quick Ratio 0.01

Debt / Equity Ratio 0.00

Debt / EBITDA 0.00

Debt / FCF 0.00

OCF / Debt N/A

Interest Coverage 1.74

Altman Z-Score -0.62

Piotroski F-Score 7

Margins & Profitability

Gross Profit Margin 81.9%

Operating Profit Margin 47.5%

EBITDA Margin 49.9%

Net Profit Margin 36.9%

FCF Margin 94.5%

Adj. FCF Margin 93.9%

SBC / Revenue 0.6%

SBC Impact (per share) -0.6%

Returns

Return on Assets 2.7%

Return on Equity 27.4%

Return on Invested Capital 21.3%

Return on Capital Employed 27.4%

Return on Tangible Assets 2.7%

Historical Growth (CAGR)

Revenue CAGR 3Y 19.6%

Revenue CAGR 5Y 17.3%

Revenue CAGR 10Y 8.1%

EPS CAGR 3Y 39.8%

EPS CAGR 5Y 35.7%

EPS CAGR 10Y 15.5%

FCF CAGR 3Y 64.7%

FCF CAGR 5Y 123.9%

FCF CAGR 10Y 23.0%

Analyst Forecasts

Analyst Rating Hold

Analyst Count 5

EPS Growth Next 3Y -22.3%

Revenue Growth Next 3Y 20.8%

Earnings Date N/A

EPS Estimate (next Q) N/A

EPS Growth Est (next Q) N/A

Revenue Est (next Q) N/A

Revenue Growth Est (next Q) N/A

Fair Value Estimates

Graham Number $57.15

Graham Upside 86.2%

Lynch Fair Value $147

Lynch Upside 378.8%

Price Target $30.75

Price Target Upside 0.2%

Cash Flow

Operating Cash Flow $337.4M

Free Cash Flow $329.33M

Adj. Free Cash Flow $327.22M

FCF Per Share $2.69

OCF Per Share $3.08

OCF/S Ratio 19.3%

Income Statement

Revenue $348.48M

Gross Profit $285.25M

Operating Income $165.51M

EBITDA $171.65M

Net Income $128.57M

EPS (Diluted) $5.88

Revenue / Employee $507.25K

Profit / Employee $187.14K

Employees 687

Dividends

Annual Dividend $0.44

Dividend Yield 1.43%

Payout Ratio 7.5%

FCF Payout Ratio 0.0%

Adj. FCF Payout Ratio 0.0%

Dividend Growth (YoY) 10.0%

Pay Frequency Quarterly

Ex-Dividend Date Aug 9, 2026