Want to see CARE full AI Analyst Report?
CARE Stock Chart & Stats
$20.14
-$0.10(-0.59%)
At close: 4:00 PM EST
$20.14
-$0.10(-0.59%)
Day’s Range― - ―
52-Week Range$16.78 - $35.03
Previous CloseN/A
Volume21.91K
Average Volume (3M)342.88K
Market Cap
$719.10M
Enterprise Value$649.70M
Total Cash (Recent Filing)$583.96M
Total Debt (Recent Filing)$0.00
Price to Earnings (P/E)6.6
Beta0.62
Next Earnings
Jul 23, 2026EPS Estimate
1.44Next Dividend Ex-DateN/A
Dividend YieldN/A
Share Statistics
EPS (TTM)4.93
Shares Outstanding22,222,010
10 Day Avg. Volume402,455
30 Day Avg. Volume342,881
Financial Highlights & Ratios
PEG Ratio0.44
Price to Book (P/B)1.05
Price to Sales (P/S)1.73
P/FCF Ratio13.88
Enterprise Value/Market Cap0.90
Enterprise Value/Revenue2.03
Enterprise Value/Gross Profit2.53
Enterprise Value/Ebitda4.42
Forecast
1Y Price Target
$28.50Price Target Upside41.51% Upside
Rating ConsensusHold
Number of Analyst Covering3
EPS Forecast (FY)6.14
Revenue Forecast (FY)$257.75M
Bulls Say, Bears Say
Bulls Say
Strong Cash GenerationSustained high operating and free cash flow with FCF roughly matching net income indicates durable earnings quality and internal funding capacity. Over 2–6 months this supports loan originations, dividend capacity, and capital flexibility without reliance on volatile external financing.
Improved Profitability & ROEMaterial margin expansion and a ~25% ROE reflect stronger core lending economics and improved pricing/efficiency. If maintained, higher margins and return on equity provide a durable buffer to absorb credit losses and fund strategic initiatives, enhancing long-term franchise profitability.
Capital-boosting DivestitureA sizable one-time divestiture gain strengthens tangible capital and liquidity, increasing capacity for organic loan growth, reserves, or shareholder returns. This improves structural financial flexibility and reduces legacy asset concentration risks over the medium term.
Bears Say
Historic Earnings & Cash VolatilityPast swings in profitability and cash flow imply that current strong TTM results may normalize. This makes forecasting earnings and capital needs harder, and suggests the bank's performance could revert during adverse credit or funding cycles over the next several quarters.
Securities Repositioning Near-term DragPortfolio repositioning sacrifices near-term earnings for higher long-run yields. A ~$12.5M pre-tax loss with a multi-year payback moderately depresses capital and reported earnings in the short-to-intermediate term and limits immediate reinvestment capacity until payback occurs.
Regional & Loan-concentration RiskGeographic concentration plus a large near-term construction loan pipeline increases exposure to regional economic cycles and sector-specific credit stress. If local real estate or economic conditions weaken, asset quality and capital could be adversely affected over the medium term.
Carter Bankshares News
CARE FAQ
What was Carter Bankshares, Inc.’s price range in the past 12 months?
Carter Bankshares, Inc. lowest stock price was $16.78 and its highest was $35.03 in the past 12 months.
What is Carter Bankshares, Inc.’s market cap?
Carter Bankshares, Inc.’s market cap is $719.10M.
When is Carter Bankshares, Inc.’s upcoming earnings report date?
Carter Bankshares, Inc.’s upcoming earnings report date is Jul 23, 2026 which is in 12 days.
How were Carter Bankshares, Inc.’s earnings last quarter?
Carter Bankshares, Inc. released its earnings results on Apr 23, 2026. The company reported $3.88 earnings per share for the quarter, beating the consensus estimate of $3.865 by $0.015.
Is Carter Bankshares, Inc. overvalued?
According to Wall Street analysts Carter Bankshares, Inc.’s price is currently Undervalued.
Does Carter Bankshares, Inc. pay dividends?
Carter Bankshares, Inc. pays a Notavailable dividend of $0.1 which represents an annual dividend yield of N/A. See more information on Carter Bankshares, Inc. dividends here
What is Carter Bankshares, Inc.’s EPS estimate?
Carter Bankshares, Inc.’s EPS estimate is 1.44.
How many shares outstanding does Carter Bankshares, Inc. have?
Carter Bankshares, Inc. has 22,222,010 shares outstanding.
What happened to Carter Bankshares, Inc.’s price movement after its last earnings report?
Carter Bankshares, Inc. reported an EPS of $3.88 in its last earnings report, beating expectations of $3.865. Following the earnings report the stock price went down -2.093%.
Which hedge fund is a major shareholder of Carter Bankshares, Inc.?
Currently, no hedge funds are holding shares in CARE
What is the TipRanks Smart Score and how is it calculated?
Smart Score combines eight research factors - such as analyst recommendations, hedge fund trends, and technical indicators - to measure a stock’s outlook. These signals are unified into a single score that reflects bullish or bearish momentum. See detailed methodology
Carter Bankshares Stock Smart Score
Outperform
1
2
3
4
5
6
7
8
9
10
Analyst Consensus
Hold
Average Price Target:
$28.50 (41.51% Upside)
$28.50 (41.51% Upside)
Blogger Sentiment
Bullish
CARE Sentiment 100%
Sector Average 67%
Sector Average 67%
Hedge Fund Trend
Increased
By 163.5K Shares
Last Quarter.
Last Quarter.
Insider Transactions
Sold Shares
Worth $51.7K over
the Last 3 Months
the Last 3 Months
Technicals
SMA
Positive
20 days / 200 days
Momentum
85.99%
12-Months-Change
Fundamentals
Return on Equity
24.82%
Trailing 12-Months
Asset Growth
2.11%
Trailing 12-Months
Company Description
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.
CARE Stock 12 Month Forecast
Average Price Target
$28.50
▲(41.51% Upside)
Technical Analysis
First Business Financial
―
Home Bancorp
―
Bank7
―
Red River Bancshares
―
ChoiceOne Financial Services
―
Ownership Overview
3.82% Insiders
14.36% Mutual Funds
<0.01% Other Institutional Investors
62.35% Public Companies and
Individual Investors
Options Prices
Currently, No data available
---