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CARE stock logo

CARE

Carter Bankshares, Inc.

$23.4
0.05
 (0.21%)
[ms_data_label text=’Delayed data’]
Exchange:  NASDAQ
Market Cap:  518.648M
Shares Outstanding:  2.5M
Overview
Earnings
Financials
Valuation
Chart

About The Company

Sector:  Financial Services
Industry:  Banks – Regional
   
CEO:  Litz H. Van Dyke
Full Time Employees:  680
Address: 
1300 Kings Mountain Road
Martinsville
VA
24112
US
Website:  https://www.cbtcares.com
Carter Bankshares, Inc. operates as the bank holding company for Carter Bank & Trust that provides various banking products and services. It accepts various deposit products, including checking, savings, retirement, and money market accounts, as well as longer-term certificates of deposits. The company also offers commercial loans comprising secured and unsecured loans; consumer loans, such as secured and unsecured loans for financing automobiles, home improvements, education, overdraft protection, and personal investments, as well as residential mortgages; real estate construction and acquisition loans; home equity lines of credit; and credit cards, as well as originates and holds fixed and variable rate mortgage loans. In addition, it provides other banking services that include safe deposit boxes, direct deposit of payroll and social security checks, online banking, bill pay, online account opening, mobile deposit, mobile banking, debit cards, e-statements, and ATM services; title insurance and other financial institution-related products and services; and treasury and corporate cash management services. It operates through 69 branches in Virginia and North Carolina. Carter Bankshares, Inc. was founded in 1974 and is headquartered in Martinsville, Virginia.

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Revenue Segmentation

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EPS

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Earnings Call

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Income Statement
Balance Sheet
Cash Flow Statement
Analyst Estimates

Income Statement

Year202320242025
Revenue211,823239,674254,626
Gross Profit131,312137,448157,055
EBITDA34,96937,92440,001
Operating Income28,72130,86940,001
Net Income23,38424,52331,362

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(* All numbers are in thousands)

Balance Sheet

Year202320242025
Total Assets4,512,5394,659,1894,851,922
Total Liabilities4,161,2964,274,8764,432,225
Total Stockholders Equity351,243384,313419,697
Total Debt393,40070,000178,500
Cash and Cash Equivalents54,529131,171105,163

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(* All numbers are in thousands)

Cash Flow Statement

Year202320242025
Operating Cash Flow46,73036,93839,862
Capital Expenditure-9,798-8,133-8,055
Free Cash Flow36,93228,80531,807
Net Income23,38424,52331,362
Net Change in Cash7,66076,642-26,008

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(* All numbers are in thousands)

Analyst Estimates

Fiscal Year2029Full AccessFull AccessFull AccessFull Access
Estimated Revenue (Low)162,013.667Full AccessFull AccessFull AccessFull Access
Estimated Revenue (High)163,051.738Full AccessFull AccessFull AccessFull Access
Estimated Revenue (Avg)162,532.703Full AccessFull AccessFull AccessFull Access
Estimated Ebitda (Low)36,513.611Full AccessFull AccessFull AccessFull Access
Estimated Ebitda (High)36,747.564Full AccessFull AccessFull AccessFull Access
Estimated Ebitda (Avg)36,630.588Full AccessFull AccessFull AccessFull Access
Estimated Net Income (Low)69,103.102Full AccessFull AccessFull AccessFull Access
Estimated Net Income (High)69,679.341Full AccessFull AccessFull AccessFull Access
Estimated Net Income (Avg)69,391.221Full AccessFull AccessFull AccessFull Access
Estimated SGA Expense (Low)50,121.442Full AccessFull AccessFull AccessFull Access
Estimated SGA Expense (High)50,442.586Full AccessFull AccessFull AccessFull Access
Estimated SGA Expense (Avg)50,282.014Full AccessFull AccessFull AccessFull Access
Estimated EPS (Avg)3.090Full AccessFull AccessFull AccessFull Access
Estimated EPS (High)3.100Full AccessFull AccessFull AccessFull Access
Estimated EPS (Low)3.080Full AccessFull AccessFull AccessFull Access
Number of Analysts (Estimated Revenue)1Full AccessFull AccessFull AccessFull Access
Number of Analysts (Estimated EPS)1Full AccessFull AccessFull AccessFull Access

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(* All numbers are in thousands)

Current Key Metrics

?Revenue
 (TTM)
: 
243.097M  ?P/S
 (TTM)
: 
1.79
?Net Income
 (TTM)
: 
24.275M  ?P/E
 (TTM)
: 
5.23
?Enterprise Value
 (TTM)
: 
536.54M  ?EV/FCF
 (TTM)
: 
17.93
?Dividend Yield
 (TTM)
: 
0  ?Payout Ratio
 (TTM)
: 
0
?ROE
 (TTM)
: 
0.25  ?ROIC
 (TTM)
: 
0.02
?Net Debt
 (TTM)
: 
40.794M  ?Debt/Equity
 (TTM)
: 
0
?P/B
 (TTM)
: 
1.12  ?Current Ratio
 (TTM)
: 
0

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Forward P/E Ratios

?

Forward P/E (Avg EPS estimate) — log in with Full Access for high/low estimates and the interactive table.

Forward P/E 1YFull AccessFull AccessFull AccessFull Access
4.25Full AccessFull AccessFull AccessFull Access

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SWOT Analysis

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At what price to buy it? -
Intrinsic Value Calculator

Based on current fundamentals and analyst forecasts, MARKETSnap estimates CARE intrinsic value between $18.58 – $22.58 per share. This depends on revenue growth, margins, and discount rate.

This is an automatic estimate. The most reliable way to know fair value for your own assumptions is to run the calculator below.


Calculate CARE Intrinsic Value

Common questions about CARE valuation

Is Carter Bankshares, Inc. (CARE) overvalued or undervalued right now?

MARKETSnap estimates intrinsic value for Carter Bankshares, Inc. (CARE) using its proprietary valuation methodology, which incorporates discounted cash flow (DCF) analysis together with long-term earnings and fundamentals assumptions. By comparing intrinsic value to the current market price, long-term investors can see whether the stock screens as potentially overvalued, fairly valued, or undervalued today.

Is CARE a buy, hold, or sell for long-term investors?

MARKETSnap does not give one-word “buy” or “sell” calls. Instead, it shows whether CARE trades at a premium or discount to its estimated intrinsic value, how sensitive that value is to growth and margin assumptions, and how the stock fits into a diversified, long-term portfolio so investors can make their own buy, hold, or sell decision.

What is CARE’s P/E ratio?

You can see CARE’s trailing P/E (TTM) and forward P/E estimates in the Current Key Metrics and Forward P/E Ratios sections above. The P/E ratio compares the current share price to earnings per share and helps investors gauge valuation relative to earnings.

How is intrinsic value calculated for CARE?

MARKETSnap uses its own valuation framework—not a generic spreadsheet DCF alone. Future cash flows and earnings are projected, discounted, and combined with MARKETSnap’s methodology so intrinsic value reflects fundamentals and long-term assumptions. You can run your own inputs and see the result using the Intrinsic Value Calculator above.

Is CARE a good long-term investment?

Whether CARE fits a long-term portfolio depends on your assumptions about growth, margins, and risk. MARKETSnap provides the metrics, intrinsic value calculator, and SWOT context so you can form your own view rather than rely on a single buy/sell rating.

CARE

1-day price chart preview. Log in for 1W through 5Y ranges and period tabs.

[ms_data_label text="Daily snapshot"]

0.21
MARKETSnap

Trading Metrics:

[ms_session_rows_unavailable]
Open: [ms_cell_or_dash table='trading_quote' column='open']   Previous Close: [ms_cell_or_dash table='trading_quote' column='previousClose']
Day Low: [ms_cell_or_dash table='trading_quote' column='dayLow']   Day High: [ms_cell_or_dash table='trading_quote' column='dayHigh']
Year Low: 13.61   Year High: 23.7
Price Avg 50: 21.17   Price Avg 200: 19.29
Volume: 402220   Average Volume: 259627

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See in Nexus

Relevant news

Carter Bank Names Kimberly Schaufenbuel EVP, Chief Human Resources Officer
18-02-2026 09:00
Carter Bank Names Kimberly Schaufenbuel EVP, Chief Human Resources Officer
Carter Bankshares (CARE) Q4 Earnings: Taking a Look at Key Metrics Versus Estimates
29-01-2026 13:30
Carter Bankshares (CARE) Q4 Earnings: Taking a Look at Key Metrics Versus Estimates
Carter Bank Earns Multiple Industry Awards Following 2024 Rebrand
10-12-2025 09:00
Carter Bank Earns Multiple Industry Awards Following 2024 Rebrand

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