_id

690f3b4eccc777a4e85d19b0

Ticker

CARE

Name

Carter Bank and Trust

Exchange

NASDAQ

Address

1300 Kings Mountain Road, Martinsville, VA, United States, 24112

Country

USA

Sector

Financial Services

Industry

Banks - Regional

Currency

USD

Website

https://www.carterbank.com

Description

Carter Bankshares, Inc. operates as the bank holding company for Carter Bank & Trust that provides various retail and commercial banking products and insurance services in the United States. It offers various deposit products, including checking, savings, retirement, and money market accounts, as well as certificates of deposit. The company also provides commercial loans comprising secured and unsecured, real estate construction and acquisition, and commercial and industrial 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; home equity lines of credit; and credit cards, as well as originates and holds fixed and variable rate mortgage loans. In addition, it offers other banking services that include safe deposit boxes, direct deposit of payroll, social security checks, and debit cards; online banking products, including online and mobile banking, online account opening, bill pay, e-statement, mobile deposit, Zelle, CardValet, digital wallet, MoneyPass, and ATM services; title insurance and other financial institution-related products and services; and treasury and corporate cash management services. Carter Bankshares, Inc. was founded in 1974 and is headquartered in Martinsville, Virginia.

Last Close

19.97

Volume

45698

Current Price

19.98

Change

0.05007511266901134

Last Updated

2025-11-29T11:09:07.297Z

Image

-

Ipo Date

2012-08-27T00:00:00.000Z

Market Cap

416444896

Next Dividend Date

-

Dividend Frequency

-

Dividend Rate

-

Dividend Yield

0

Sentiment

-

Sentiment Sources

0

Rating

4.6667

Target Price

22.8333

Strong Buy

2

Buy

1

Hold

0

Sell

0

Strong Sell

0

Current Quarter

2025-09-30

Revenue

63581000

Cost Of Revenue

28682000

Gross Profit

34899000

Operating Expenses

27745000

Operating Income

7154000

Interest Expense

25451000

Pretax Income

7154000

Net Income

5419000

Eps

0.24306739843155817

Dividends Per Share

-

Shares Outstanding

22087044

Income Tax Expense

1735000

EBITDA

9119000

Operating Margin

11.251789056479137

Total Other Income Expense Net

-

Cash

106948000

Short Term Investments

664299000

Receivables

63604000

Inventories

-

Total Current Assets

834851000

Property Plant Equipment

71653000

Total Assets

4840119000

Payables

-

Short Term Debt

-

Long Term Debt

175500000

Total Liabilities

4427281000

Equity

412838000

Depreciation

1965000

Change In Working Capital

657000

Cash From Operations

11815000

Capital Expenditures

1539000

Cash From Investing

-

Cash From Financing

45204000

Net Change In Cash

7043000

PE

13.5074

PB

1.0789672351866832

ROE

1.3126214156642557

ROA

0.1119600571804123

FCF

10276000

Fcf Percent

0.16162060993063965

Piotroski FScore

4

Health Score

49

Deep Value Investing Score

7

Defensive Investing Score

4.5

Dividend Investing Score

3

Economic Moat Investing Score

6.3

Garp Investing Score

2.5

Growth Investing Score

3

Momentum Investing Score

5.5

Net Net Investing Score

4

Quality Investing Score

3.5

Value Investing Score

6

Quarters > 0 > quarter

2025-09-30

Quarters > 0 > income Statement > revenue

63581000

Quarters > 0 > income Statement > cost Of Revenue

28682000

Quarters > 0 > income Statement > gross Profit

34899000

Quarters > 0 > income Statement > operating Expenses

27745000

Quarters > 0 > income Statement > operating Income

7154000

Quarters > 0 > income Statement > interest Expense

25451000

Quarters > 0 > income Statement > pretax Income

7154000

Quarters > 0 > income Statement > net Income

5419000

Quarters > 0 > income Statement > eps

0.24306739843155817

Quarters > 0 > income Statement > dividends Per Share

-

Quarters > 0 > income Statement > shares Outstanding

22294228

Quarters > 0 > income Statement > income Tax Expense

1735000

Quarters > 0 > income Statement > EBITDA

9119000

Quarters > 0 > income Statement > operating Margin

11.251789056479137

Quarters > 0 > income Statement > total Other Income Expense Net

-

Quarters > 0 > balance Sheet > cash

106948000

Quarters > 0 > balance Sheet > short Term Investments

664299000

Quarters > 0 > balance Sheet > receivables

63604000

Quarters > 0 > balance Sheet > inventories

-

Quarters > 0 > balance Sheet > total Current Assets

834851000

Quarters > 0 > balance Sheet > property Plant Equipment

71653000

Quarters > 0 > balance Sheet > total Assets

4840119000

Quarters > 0 > balance Sheet > payables

-

Quarters > 0 > balance Sheet > short Term Debt

-

Quarters > 0 > balance Sheet > long Term Debt

175500000

Quarters > 0 > balance Sheet > total Liabilities

4427281000

Quarters > 0 > balance Sheet > equity

412838000

Quarters > 0 > cash Flow > net Income

5419000

Quarters > 0 > cash Flow > depreciation

1965000

Quarters > 0 > cash Flow > change In Working Capital

657000

Quarters > 0 > cash Flow > cash From Operations

11815000

Quarters > 0 > cash Flow > capital Expenditures

1539000

Quarters > 0 > cash Flow > cash From Investing

-

Quarters > 0 > cash Flow > cash From Financing

45204000

Quarters > 0 > cash Flow > net Change In Cash

7043000

Quarters > 0 > ratios > PE

0.24306739843155817

Quarters > 0 > ratios > PB

1.0789672351866832

Quarters > 0 > ratios > ROE

1.3126214156642557

Quarters > 0 > ratios > ROA

0.1119600571804123

Quarters > 0 > ratios > FCF

10276000

Quarters > 0 > ratios > Piotroski FScore

4

Quarters > 0 > ratios > fcf Percent

0.16162060993063965

Quarters > 0 > health Score

49

Quarters > 1 > quarter

2025-06-30

Quarters > 1 > income Statement > revenue

61664000

Quarters > 1 > income Statement > cost Of Revenue

22723000

Quarters > 1 > income Statement > gross Profit

38941000

Quarters > 1 > income Statement > operating Expenses

28313000

Quarters > 1 > income Statement > operating Income

10628000

Quarters > 1 > income Statement > interest Expense

25388000

Quarters > 1 > income Statement > pretax Income

10628000

Quarters > 1 > income Statement > net Income

8510000

Quarters > 1 > income Statement > eps

0.3731493644117498

Quarters > 1 > income Statement > dividends Per Share

-

Quarters > 1 > income Statement > shares Outstanding

22805881

Quarters > 1 > income Statement > income Tax Expense

2118000

Quarters > 1 > income Statement > EBITDA

12567000

Quarters > 1 > income Statement > operating Margin

17.235339906590553

Quarters > 1 > income Statement > total Other Income Expense Net

-

Quarters > 1 > balance Sheet > cash

99905000

Quarters > 1 > balance Sheet > short Term Investments

755212000

Quarters > 1 > balance Sheet > receivables

64008000

Quarters > 1 > balance Sheet > inventories

-

Quarters > 1 > balance Sheet > total Current Assets

855117000

Quarters > 1 > balance Sheet > property Plant Equipment

72105000

Quarters > 1 > balance Sheet > total Assets

4784091000

Quarters > 1 > balance Sheet > payables

-

Quarters > 1 > balance Sheet > short Term Debt

113500000

Quarters > 1 > balance Sheet > long Term Debt

113500000

Quarters > 1 > balance Sheet > total Liabilities

4378456000

Quarters > 1 > balance Sheet > equity

405635000

Quarters > 1 > cash Flow > net Income

8510000

Quarters > 1 > cash Flow > depreciation

1939000

Quarters > 1 > cash Flow > change In Working Capital

-252000

Quarters > 1 > cash Flow > cash From Operations

9599000

Quarters > 1 > cash Flow > capital Expenditures

1917000

Quarters > 1 > cash Flow > cash From Investing

-13440000

Quarters > 1 > cash Flow > cash From Financing

14747000

Quarters > 1 > cash Flow > net Change In Cash

10906000

Quarters > 1 > ratios > PE

0.3731493644117498

Quarters > 1 > ratios > PB

1.1233288606259322

Quarters > 1 > ratios > ROE

2.097945197036745

Quarters > 1 > ratios > ROA

0.17788123177422838

Quarters > 1 > ratios > FCF

7682000

Quarters > 1 > ratios > Piotroski FScore

4

Quarters > 1 > ratios > fcf Percent

0.12457836014530357

Quarters > 1 > health Score

46

Quarters > 2 > quarter

2025-03-31

Quarters > 2 > income Statement > revenue

61916000

Quarters > 2 > income Statement > cost Of Revenue

23730000

Quarters > 2 > income Statement > gross Profit

38186000

Quarters > 2 > income Statement > operating Expenses

27050000

Quarters > 2 > income Statement > operating Income

11136000

Quarters > 2 > income Statement > interest Expense

25869000

Quarters > 2 > income Statement > pretax Income

11136000

Quarters > 2 > income Statement > net Income

8953000

Quarters > 2 > income Statement > eps

0.39140508874704905

Quarters > 2 > income Statement > dividends Per Share

-

Quarters > 2 > income Statement > shares Outstanding

22874000

Quarters > 2 > income Statement > income Tax Expense

2183000

Quarters > 2 > income Statement > EBITDA

13047000

Quarters > 2 > income Statement > operating Margin

17.985657988242135

Quarters > 2 > income Statement > total Other Income Expense Net

-

Quarters > 2 > balance Sheet > cash

88999000

Quarters > 2 > balance Sheet > short Term Investments

681617000

Quarters > 2 > balance Sheet > receivables

63773000

Quarters > 2 > balance Sheet > inventories

-

Quarters > 2 > balance Sheet > total Current Assets

834389000

Quarters > 2 > balance Sheet > property Plant Equipment

73944000

Quarters > 2 > balance Sheet > total Assets

4700287000

Quarters > 2 > balance Sheet > payables

-

Quarters > 2 > balance Sheet > short Term Debt

30000000

Quarters > 2 > balance Sheet > long Term Debt

55000000

Quarters > 2 > balance Sheet > total Liabilities

4298521000

Quarters > 2 > balance Sheet > equity

401766000

Quarters > 2 > cash Flow > net Income

8953000

Quarters > 2 > cash Flow > depreciation

1911000

Quarters > 2 > cash Flow > change In Working Capital

-3428000

Quarters > 2 > cash Flow > cash From Operations

6376000

Quarters > 2 > cash Flow > capital Expenditures

1523000

Quarters > 2 > cash Flow > cash From Investing

-81054000

Quarters > 2 > cash Flow > cash From Financing

32506000

Quarters > 2 > cash Flow > net Change In Cash

-42172000

Quarters > 2 > ratios > PE

0.39140508874704905

Quarters > 2 > ratios > PB

1.137534087005869

Quarters > 2 > ratios > ROE

2.2284115629495775

Quarters > 2 > ratios > ROA

0.1904777304024201

Quarters > 2 > ratios > FCF

4853000

Quarters > 2 > ratios > Piotroski FScore

3

Quarters > 2 > ratios > fcf Percent

0.07838038632986627

Quarters > 2 > health Score

40

Quarters > 3 > quarter

2024-12-31

Quarters > 3 > income Statement > revenue

60900000

Quarters > 3 > income Statement > cost Of Revenue

22321000

Quarters > 3 > income Statement > gross Profit

38579000

Quarters > 3 > income Statement > operating Expenses

27896000

Quarters > 3 > income Statement > operating Income

10683000

Quarters > 3 > income Statement > interest Expense

27354000

Quarters > 3 > income Statement > pretax Income

10683000

Quarters > 3 > income Statement > net Income

8280000

Quarters > 3 > income Statement > eps

0.3562669420420808

Quarters > 3 > income Statement > dividends Per Share

-

Quarters > 3 > income Statement > shares Outstanding

23241000

Quarters > 3 > income Statement > income Tax Expense

2403000

Quarters > 3 > income Statement > EBITDA

12522000

Quarters > 3 > income Statement > operating Margin

17.541871921182267

Quarters > 3 > income Statement > total Other Income Expense Net

10683000

Quarters > 3 > balance Sheet > cash

131171000

Quarters > 3 > balance Sheet > short Term Investments

654950000

Quarters > 3 > balance Sheet > receivables

63450000

Quarters > 3 > balance Sheet > inventories

-

Quarters > 3 > balance Sheet > total Current Assets

849571000

Quarters > 3 > balance Sheet > property Plant Equipment

74329000

Quarters > 3 > balance Sheet > total Assets

4659189000

Quarters > 3 > balance Sheet > payables

-

Quarters > 3 > balance Sheet > short Term Debt

25932000

Quarters > 3 > balance Sheet > long Term Debt

70000000

Quarters > 3 > balance Sheet > total Liabilities

4274876000

Quarters > 3 > balance Sheet > equity

384313000

Quarters > 3 > cash Flow > net Income

8280000

Quarters > 3 > cash Flow > depreciation

1839000

Quarters > 3 > cash Flow > change In Working Capital

2953000

Quarters > 3 > cash Flow > cash From Operations

11451000

Quarters > 3 > cash Flow > capital Expenditures

3137000

Quarters > 3 > cash Flow > cash From Investing

-33625000

Quarters > 3 > cash Flow > cash From Financing

48353000

Quarters > 3 > cash Flow > net Change In Cash

26179000

Quarters > 3 > ratios > PE

0.3562669420420808

Quarters > 3 > ratios > PB

1.2082734125569523

Quarters > 3 > ratios > ROE

2.1544938630751496

Quarters > 3 > ratios > ROA

0.17771333165492964

Quarters > 3 > ratios > FCF

8314000

Quarters > 3 > ratios > Piotroski FScore

4

Quarters > 3 > ratios > fcf Percent

0.13651888341543514

Quarters > 3 > health Score

47

Valuation > metrics > PE

13.5074

Valuation > metrics > PB

1.0789672351866832

Valuation > final Score

100

Valuation > verdict

Fair

Profitability > metrics > ROE

1.3126214156642557

Profitability > metrics > ROA

0.6490978629719555

Profitability > metrics > Net Margin

0.08522986426762712

Profitability > final Score

17

Profitability > verdict

Weak

Risk > metrics > Debt Equity

10.724015231156047

Risk > metrics > Interest Coverage

0.281089151703273

Risk > final Score

7

Risk > verdict

High

Liquidity > final Score

50

Liquidity > verdict

Weak

Prev Valuations > 0

100

Prev Valuations > 1

100

Prev Valuations > 2

100

Prev Profitabilities > 0

28

Prev Profitabilities > 1

29

Prev Profitabilities > 2

28

Prev Risks > 0

8

Prev Risks > 1

8

Prev Risks > 2

8

Prev Liquidities > 0

100

Prev Liquidities > 1

100

Prev Liquidities > 2

100

Updated At

2025-12-14T00:18:55.063Z