NMS · Banks - Regional

Carter Bankshares, Inc. (CARE) Stock

$30.57 -0.42% NMS: CARE Financial Services

Valuation

MetricValue
Price$30.57
Market Cap$677.55M
P/E Ratio5.23
P/B Ratio1.25
P/S Ratio1.96
EPS (TTM)$0.00
52-Week High$36.06
52-Week Low$16.78
Dividend Yield1.30%

Financials & Margins

MetricValue
ROE27.40%
ROA2.68%
ROCE27.39%
Gross Margin15.69%
Operating Margin15.69%
Net Margin36.89%
Debt/Equity0.43
Current Ratio0.12

Annual Financials (USD)

Metric20212022202320242025
Revenue$156.0M$179.0M$212.0M$240.0M$255.0M
Operating Profit$36.0M$62.0M$29.0M$31.0M$40.0M
Net Profit$32.0M$50.0M$23.0M$25.0M$31.0M
EPS$1.20$2.03$1.00$1.06$1.40
Op Margin22.8%34.5%13.6%12.9%15.7%

Balance Sheet (USD)

Metric20212022202320242025
Total Assets$4.1B$4.2B$4.5B$4.7B$4.9B
Total Liabilities$3.7B$3.9B$4.2B$4.3B$4.4B
Cash$278.0M$47.0M$55.0M$131.0M$105.0M
Borrowings$7.0M$198.0M$393.0M$70.0M$179.0M

Latest News

Carter Bank Named Best Bank in Virginia by Forbes ACCESS Newswire · Jul 14, 2026 Should Value Investors Buy Carter Bankshares (CARE) Stock? Zacks · Jun 4, 2026 Carter Bank Opens First South Carolina Location in Greenville ACCESS Newswire · Jun 2, 2026 Are Investors Undervaluing Carter Bankshares (CARE) Right Now? Zacks · May 18, 2026 What Makes Carter Bankshares, Inc. (CARE) a Strong Momentum Stock: Buy Now? Zacks · May 4, 2026

Cash Flow (USD)

Metric20212022202320242025
Operating Cash Flow$78.0M$71.0M$47.0M$37.0M$40.0M
Investing Cash Flow$-115.0M$-388.0M$-317.0M$-77.0M$-164.0M
Financing Cash Flow$93.0M$-93.0M$73.0M$432.0M$-18.0M
Net Cash Flow$36.0M$-231.0M$8.0M$77.0M$-26.0M
Free Cash Flow$69.0M$65.0M$37.0M$29.0M$32.0M

Valuation & Return Ratios

MetricValue
PEG Ratio0.02
EV / EBITDA—
FCF Yield—
Quick Ratio—
Interest Coverage—
Return 1Y91.07%
Return 3Y107.62%
Return 5Y183.25%

Ownership

Insiders Held2.25%
Institutions Held58.67%
Institutions Float Held60.02%
Institutional HolderSharesReport Date
Blackrock Inc.1,668,8182026-03-31
Fourthstone LLC1,502,1192026-03-31
Dimensional Fund Advisors LP1,175,9252026-03-31
Vanguard Capital Management LLC984,9832026-03-31
American Century Companies Inc540,8662026-03-31

About Carter Bankshares, Inc.

Carter Bankshares, Inc. is led by CEO Litz H. Van Dyke, employs 680 people, headquartered in US, publicly traded since 2007.

Carter Bankshares, Inc. (CARE) stock trades at $30.57 with a market capitalization of $677.55M. The stock is valued at a price-to-earnings (P/E) ratio of 5.23, price-to-book of 1.25, price-to-sales of 1.96. Over the past 52 weeks the stock has ranged between $16.78 and $36.06, and currently trades 15.2% below its 52-week high. It pays a dividend yielding 1.30%.

On profitability, Carter Bankshares, Inc. generates a return on equity (ROE) of 27.40%, above the typical market range of roughly 12-15%, return on capital employed of 27.39%, an operating margin of 15.69%, a net profit margin of 36.89%.

Carter Bankshares, Inc. by the numbers, 2016–2025

Between 2016 and 2025 Carter Bankshares, Inc. reported revenue of $147.0M rising to $255.0M, a change of +73.5% across 10 years. Compounded, revenue has grown 9.2% a year over five years, 12.5% over three, 6.3% over the last twelve months. Net profit rose to $31.0M.

Operating margin went from 12.0% in 2016 to 15.7% in 2025, a gain of 3.7 percentage points. The most recent net margin is 36.89%. On a trailing twelve-month basis to Jun '26, revenue is $349.0M and net profit $128.0M.

Borrowings stand at $179.0M, cash from operations was $40.0M in the latest year, positive in 10 of the last 10.

Return on equity has averaged 8.7% over five years, and was 7.4% in the most recent year.

The share price itself has compounded at —% a year over five years, —% over three, —% over the last year. Past price movement is history, not a forecast.

Figures are as reported and in the company's own reporting currency. They describe what has already happened and carry no implication about what follows.

Carter Bankshares, Inc. (CARE) — frequently asked questions

What is Carter Bankshares, Inc. (CARE) stock price today?

Carter Bankshares, Inc. (CARE) is currently trading at $30.57, down 0.42% today.

What is CARE P/E ratio?

Carter Bankshares, Inc.'s P/E ratio is 5.23. This is below the typical market average of roughly 18-22x. A low P/E can reflect a lower valuation, slower expected growth, or both.

What is CARE return on equity (ROE)?

Carter Bankshares, Inc.'s return on equity (ROE) is 27.40%. ROE measures net income relative to shareholders' equity. This is above the typical market range of roughly 12-15%.

What is Carter Bankshares, Inc.'s market cap?

Carter Bankshares, Inc. has a market capitalization of $677.55M.

Does CARE pay a dividend?

Yes. Carter Bankshares, Inc. currently yields 1.30%. Yield moves with the share price, so it changes daily even when the payment does not.

How much debt does CARE carry?

Carter Bankshares, Inc. has a debt-to-equity ratio of 0.43. That compares total borrowings with shareholders' equity: a figure under 1 means equity exceeds debt.

What is CARE's profit margin?

Carter Bankshares, Inc. reports a net profit margin of 36.89% — the share of revenue left after every cost, including tax and interest.

What sector is CARE in?

Carter Bankshares, Inc. is classified under Financial Services, in the Banks - Regional industry. Ratios are most informative compared with other companies in the same industry rather than across the whole market.

Which exchange is CARE listed on?

Carter Bankshares, Inc. trades on NMS under the ticker CARE.

What is CARE's 52-week range?

Over the last year Carter Bankshares, Inc. has traded between $16.78 and $36.06.

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Screens CARE currently matches

On the figures above, Carter Bankshares, Inc. passes the filters for 19 of our ready-made screens, among them Low PE Stocks, Small Cap Stocks, Stocks With PE Under 20. Appearing on a screen means the numbers meet its filters today and nothing more; the list is rebuilt whenever the data changes.

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