Carter Bankshares, Inc.
General ticker "CARE" information:
- Sector: Financials
- Industry: Banks - Regional
- Capitalization: $442.8M (TTM average)
Carter Bankshares, Inc. follows the US Stock Market performance with the rate: 52.0%.
Estimated limits based on current volatility of 1.2%: low 30.95$, high 31.69$
Factors to consider:
- Company pays dividends (quarterly): last record date 2026-08-10, amount 0.10$ (Y1.27%)
- Total employees count: 687 (+1.0%) as of 2025
- Company does not operate outside US (retrieved using AI)
- Top business risk factors: Real estate concentration, Cybersecurity threats, Liquidity and credit risks, Labor/talent shortage/retention, Economic downturns and volatility
- Current price 27.5% above estimated high
- Earnings for 6 months up through Q2 exceed our estimates
Stock Forecast*
* forecast is subjective and experimental, should not be used for any investment decisions
Long term estimates were made for the period from 2025-12-31 to 2027-12-31
- 2025-12-31 to 2026-12-31 estimated range: [17.98$, 24.80$]
- 2026-12-31 to 2027-12-31 estimated range: [17.82$, 24.97$]
Financial Metrics affecting the CARE estimates:
- Positive: with PPE of 14.1 at the end of fiscal year the price was neutral
- Positive: Operating profit margin, % of 26.11 > 18.77
- Positive: 6.77 < Operating cash flow per share per price, % of 8.97
- Positive: Industry operating cash flow per share per price (median), % of 10.78 > 10.39
- Positive: Industry operating profit margin (median), % of 24.03 > 9.99
- Positive: -3.10 < Return on assets ratio (scaled to [-100,100]) of 0.64
- Negative: Shareholder equity ratio, % of 8.65 <= 18.97
- Negative: Investing cash flow per share per price, % of -35.07 <= -14.39
- Positive: Industry inventory ratio change (median), % of 0 <= 0
Short-term CARE quotes
Long-term CARE plot with estimates
Financial data
| YTD | 2023-12-31 | 2024-12-31 | 2025-12-31 |
|---|---|---|---|
| Operating Revenue | $140.59MM | $135.82MM | $153.22MM |
| Operating Expenses | $111.87MM | $104.96MM | $113.22MM |
| Operating Income | $28.72MM | $30.87MM | $40.00MM |
| Interest Expense | $74.11MM | $107.27MM | $101.40MM |
| Income(Loss) | $28.72MM | $30.87MM | $40.00MM |
| Taxes | $5.34MM | $6.35MM | $8.64MM |
| Net Income(Loss)* | $23.38MM | $24.52MM | $31.36MM |
| Stockholders Equity | $351.24MM | $384.31MM | $419.70MM |
| Assets | $4,512.54MM | $4,659.19MM | $4,851.92MM |
| Operating Cash Flow | $46.73MM | $36.94MM | $39.86MM |
| Capital expenditure | $9.80MM | $8.13MM | $8.05MM |
| Investing Cash Flow | $-307.01MM | $-68.40MM | $-155.91MM |
| Financing Cash Flow | $267.94MM | $108.11MM | $90.04MM |
| Earnings Per Share** | $1.01 | $1.06 | $1.40 |
* Profit(Loss) attributable to entity.
** EPS are Split Adjusted, recent splits may be reflected with a delay.