Price
No data yet.
Social Signal Score
Analyst Ratings
5 analystsRevenue
$90.22M+145.89%Analyst Estimates
Consensus estimates, not results. Via Financial Modeling Prep.
Company Profile
- CEO
- Litz H. Van Dyke
- Sector
- Financial Services
- Industry
- Banks - Regional
- Employees
- 687
- Beta
- 0.50
- Country
- US
- Piotroski score
- 7 / 9 (Strong)
- Altman Z-score
- -0.62
Financials
Revenue
$90.22M+145.9%Net Income
$28.91M+452.6%EBITDA
$39.39M+460.4%Free Cash Flow
$-262.89M-12104.3%EPS (diluted)
$1.32+560.0%Shares Outstanding (diluted)
21.84M-16.5%Operating Expenses
$18.64MCash & Debt
$681.40MReturn of Capital
$5.10MRevenue by Segment (annual)
$2.04MDividend per Share
$0.10Quote
Valuation & Ratios
Returns & Efficiency
Revenue & Net Income (Annual)
| Fiscal Year | Revenue | Net Income | EPS |
|---|---|---|---|
| 2025 | $254.63M | $31.36M | $1.40 |
| 2024 | $239.67M | $24.52M | $1.06 |
| 2023 | $211.82M | $23.38M | $1.00 |
| 2022 | $179.15M | $50.12M | $2.03 |
| 2021 | $156.38M | $31.59M | $1.20 |
| 2020 | $163.77M | $-45.86M | $-1.74 |
| 2019 | $168.38M | $26.57M | $1.01 |
| 2018 | $157.89M | $11.90M | $0.45 |
| 2017 | $144.33M | $-681.0K | $-0.03 |
| 2016 | $146.66M | $15.98M | $0.61 |
| 2015 | $164.57M | $39.16M | $1.49 |
| 2014 | $159.12M | $33.46M | $1.27 |
| 2013 | $158.22M | $26.08M | $0.99 |
| 2012 | $168.15M | $30.35M | $1.16 |
Valuation
Project earnings forward and see what return today's price implies.
Seeded from CARE's reported EPS growth of 1.5% a year over 13 years.
- EPS in 5 years
- $1.50
- Implied price
- $21.06
- Return from $30.16
- -6.9% a year
To earn 15.0% a year on these assumptions you'd need to buy at $10.47 — -65.3% below today's price.
How sensitive is that answer?
Annual return across nearby assumptions. If the result is only attractive in one corner, that is the finding.
| growth \ P/E | 10 | 12 | 14 | 16 | 18 |
|---|---|---|---|---|---|
| -8.5% | -21.6% | -18.6% | -16.1% | -13.8% | -11.8% |
| -3.5% | -17.3% | -14.2% | -11.5% | -9.1% | -7.0% |
| 1.5% | -13.0% | -9.8% | -6.9% | -4.4% | -2.1% |
| 6.5% | -8.7% | -5.3% | -2.3% | 0.3% | 2.7% |
| 11.5% | -4.4% | -0.9% | 2.2% | 5.0% | 7.5% |
This is arithmetic on assumptions you chose, not a forecast or a recommendation. It ignores dividends, buybacks, share issuance and debt, and it assumes a company still earning money in 5 years. Change any input and the answer changes a lot — that sensitivity is the honest result, not a flaw in the model.
Signal Score (90d)
100+0.00%Social Signal Score
Mentions (3)
- Newszacks.com·6h ago·Neutral
Implied Volatility Surging for Carter Bankshares Stock Options Investors need to pay close attention to CARE stock based on the movements in the options market lately.
View source ↗ - Newsaccessnewswire.com·21d ago·Neutral
CEO Litz Van Dyke Reflects on 10 Years with Carter Bank Van Dyke joined the organization in the summer of 2016 and was named CEO in April of 2017, marking a decade of leadership. MARTINSVILLE, VA / ACCESS Newswire / September 24, 2026 / Carter Bank (NASDAQ:CARE) CEO Litz Van Dyke, recently celebrated a decade of service, including the last nine years at the helm of the Virginia-based community bank.
View source ↗ - Newsaccessnewswire.com·64d ago·Neutral
Carter Bankshares, Inc. Establishes Dividend Reinvestment and Stock Purchase Plan MARTINSVILLE, VA / ACCESS Newswire / August 11, 2026 / Carter Bankshares, Inc. (the "Company") (NASDAQ:CARE) today announced the establishment of its Dividend Reinvestment and Stock Purchase Plan (the "Plan"). The Company will offer up to 1,000,000 shares of common stock to existing shareholders of the Company for purchase under the Plan.
View source ↗
Earnings
Thu, Oct 22(in 6 days)
Consensus estimate $0.54 per share
Typical surprise +24.2% (median, so one quarter with a near-zero estimate can't distort it)
- Thu, Jul 23$1.31 vs $0.41beat
- Thu, Apr 23$0.40 vs $3.91miss
- Thu, Jan 29$0.41 vs $0.33beat
- Thu, Oct 23$0.26 vs $0.39miss
- Thu, Jul 24$0.41 vs $0.31beat
- Thu, Apr 24$0.32 vs $0.30beat
Estimates and results for CARE via Financial Modeling Prep. Beating consensus says the company cleared the bar analysts set, not that the business grew.
Insider trading
Open-market buys and sells by CARE officers and directors.
- Bought
- $123k
- Sold
- $998k
2 trades
17 trades
- Midkiff Catharine L.sold
- Bolton Robert M.sold
- Langs Bradford N.sold
- Langs Bradford N.sold
- Walsh Elizabeth L.bought
- Haskins James W.sold
- Bolton Robert M.sold
- Speare Matthew M.sold
81 further Form 4 entries are share awards, option exercises or shares withheld for tax. Those are compensation, not trades, so they are excluded above. Buying is the stronger signal: an insider spends their own money for one reason. Selling has many innocent explanations — tax, diversifying, a house — so it says far less than it appears to. Via SEC filings.
Congress trades
No disclosed congressional trades in CARE.
Self-reported filings, amounts as brackets. Via Senate/House disclosures.