Carter Bankshares, Inc.
CARE Nasdaq· National Commercial Banks
Last close · Oct 26, 2026
$30.88
KIRA · Stoqly’s AI analyst, in plain words
- Carter Bankshares, Inc. had $20.3M of revenue in fiscal 2025, up 4.6% on the year before. Over five years, revenue changed +2.5% a year on average.
- Carter Bankshares, Inc. made $31.4M of net profit in fiscal 2025. From fiscal 2019 to 2025, diluted EPS grew 5.3% a year.
- Carter Bankshares, Inc. returned $20.0M to shareholders in fiscal 2025, 63% of free cash flow. The diluted share count fell 1.6%.
- It earned 7.8% on shareholders’ money. Running costs took 576.2% of revenue (the efficiency ratio; lower is better).
Market cap
$674M
P/E
5.3x
Revenue
$20.3M
Net income
$31.4M
Return on equity
7.8%
Efficiency ratio
576.2%
Carter Bankshares, Inc. in 30 seconds · fiscal 2025
Are sales growing?
+4.6%
Only a little. Sales grew 4.6% last year.
Does it make a profit?
154.4%
Yes. It keeps 154.4% of every sale as profit.
How lean are its costs?
576.2%
Costly. Running costs take 576.2% of revenue.
How much does it earn on its capital?
7.8%
Low. It earns 7.8% a year on shareholders’ money.
How is the share priced?
5.3x
One share costs 5.3 times its yearly profit per share.
What Carter Bankshares, Inc. does
No business description yet.
- Fiscal year ends
- December 31, 2025
- Latest annual report
- 10-K · Mar 5, 2026
- Legal name
- Carter Bankshares, Inc.
- CIK
- 0001829576
Carter Bankshares, Inc. · CARE
Results and finances
The last 5 fiscal years. Amounts in USD.
| Fiscal year | FY21 | FY22 | FY23 | FY24 | FY25 |
|---|---|---|---|---|---|
| Sales and profit | |||||
| Revenue | $17.5M | $18.3M | $17.3M | $19.4M | $20.3M |
| Revenue growth | −2.8% | 4.8% | −5.8% | 12.4% | 4.6% |
| Net interest income | $111M | $140M | $122M | $114M | $131M |
| Net income | $31.6M | $50.1M | $23.4M | $24.5M | $31.4M |
| Net margin | 180.7% | 273.4% | 135.4% | 126.3% | 154.4% |
| Diluted EPS | $1.19 | $2.03 | $1.00 | $1.06 | $1.38 |
| Cash | |||||
| Cash from operations | $77.5M | $70.8M | $46.7M | $36.9M | $39.9M |
| Capital expenditure | $8.5M | $5.9M | $9.8M | $8.1M | $8.1M |
| Free cash flow | $69.1M | $64.9M | $36.9M | $28.8M | $31.8M |
| FCF margin | 394.9% | 354.0% | 213.9% | 148.4% | 156.6% |
| Dividends paid | $0.0M | $0.0M | — | — | — |
| Share buybacks | $0.2M | $42.9M | $16.4M | $0.0M | $20.0M |
| Share count change | −0.1% | −6.6% | −5.5% | −1.8% | −1.6% |
| Debt and strength | |||||
| Cash and short-term investments | $278M | $46.9M | $54.5M | $131M | $105M |
| Loans, net | $2.7B | $3.1B | $3.4B | $3.5B | $3.8B |
| Deposits | $3.7B | $3.6B | $3.7B | $4.2B | $4.2B |
| Shareholders' equity | $408M | $329M | $351M | $384M | $420M |
| Returns and quality | |||||
| Return on equity | 7.5% | 13.6% | 6.9% | 6.7% | 7.8% |
| Return on tangible equity | 7.7% | 15.2% | 6.6% | 6.3% | 7.4% |
| Efficiency ratio | 585.0% | 529.1% | 610.8% | 566.6% | 576.2% |
Insiders bought, 12 months
$0.1M
1 insider
Insiders sold, 12 months
$0.4M
4 insiders
Of sales under plans
0%
$0.0M
How to read these numbers
- Revenue:
- Total sales reported in the income statement.
- Net income:
- Profit after all expenses, interest and tax.
- Efficiency ratio:
- Noninterest expense as a share of revenue. Lower is better for banks.
- Return on equity:
- Net income as a share of average shareholders' equity.
- Return on tangible equity:
- Net income to common over equity minus goodwill and intangibles.
- Diluted EPS:
- Net income per diluted share.
Carter Bankshares, Inc. · CARE
Charts and comparison
Ten years at a glance, and how it stacks up against similar companies.
Revenue
Net income
Return on equity and efficiency ratio
Loans and deposits
Dividends and buybacks
Diluted EPS
KIRA
At $30.88 a share, the company is worth $674M: 5.3 times its earnings of the last four quarters.
Source: SEC EDGAR XBRL filings (CIK 0001829576). Data updated October 24, 2026. For information only — not investment advice. Check the original filings before relying on any figure.