CARE Stock Analysis: Carter Bank Trust | NASDAQ
Banks - Regional | NASDAQ, USA | Market Cap: 756m USD | 12M Return: 95.1% | Charts, Fundamentals & Technical Analysis
Avg Turnover: 11.7M
EPS Trend: 5.3%
Qual. Beats: -1
Rev. Trend: 90.2%
Qual. Beats: 0
Warnings
No concerns identified
Tailwinds
Seasonality 10.5 years of data
Average return per month, with how dependable it is below — did the month move the same way every year (high) or randomly (low). Above 60 is a pattern worth trusting; under 40 is noise.
Carter Bankshares, Inc. (NASDAQ: CARE) is a Martinsville, Virginia-based bank holding company founded in 1974 that operates Carter Bank & Trust, providing retail and commercial banking products and insurance services across the United States. Its deposit offerings include checking, savings, retirement, money market accounts, and certificates of deposit, while its lending business spans commercial loans (secured and unsecured, real estate construction and acquisition, and commercial and industrial), consumer loans (auto, home improvement, education, personal, overdraft protection, and residential mortgages), home equity lines of credit, and credit cards. The company also offers complementary services such as safe deposit boxes, debit cards, online and mobile banking, Zelle, mobile deposit, digital wallet access, ATM services, title insurance, and treasury and corporate cash management.
As a regional bank in the Financials sector, Carter Bankshares operates a community-oriented business model that relies on local deposit gathering and relationship-based lending to small businesses and consumers within its geographic footprint, a structure typical of U.S. community banks that face competition from both larger national banks and non-bank digital lenders.
- Net interest margin expansion lifts profitability outlook
- Commercial real estate loan concentration poses credit risk
- Securities portfolio unrealized losses constrain capital flexibility
| Net Income: 108.2m TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.07 > 0.02 and ΔFCF/TA 6.49 > 1.0 |
| NWC/Revenue: -1.14k% < 20% (prev -1.38k%; Δ 242.7% < -1%) |
| CFO/TA 0.07 > 3% & CFO 337.4m > Net Income 108.2m |
| Net Debt (-405.5m) to EBITDA (147.0m): -2.76 < 3 |
| Current Ratio: 0.14 > 1.5 & < 3 |
| Outstanding Shares: last quarter (21.8m) vs 12m ago -4.49% < -2% |
| Gross Margin: 80.32% > 18% (prev 58.75%; Δ 21.58% > 0.5%) |
| Asset Turnover: 6.74% > 50% (prev 5.18%; Δ 1.56% > 0%) |
| Interest Coverage Ratio: 1.41 > 6 (EBIT TTM 138.9m / Interest Expense TTM 98.8m) |
| A: -0.76 (Total Current Assets 584.0m - Total Current Liabilities 4.24b) / Total Assets 4.80b |
| B: 0.09 (Retained Earnings 450.7m / Total Assets 4.80b) |
| C: 0.03 (EBIT TTM 138.9m / Avg Total Assets 4.75b) |
| D: 0.12 (Book Value of Equity 504.9m / Total Liabilities 4.29b) |
| Altman-Z'' = -4.36 = D |
| DSRI: 0.22 (Receivables 18.1m/63.8m, Revenue 319.9m/243.3m) |
| GMI: 0.73 (GM 58.75% / 80.32%) |
| AQI: 1.07 (AQ_t 0.86 / AQ_t-1 0.81) |
| SGI: 1.32 (Revenue 319.9m / 243.3m) |
| TATA: -0.05 (NI 108.2m - CFO 337.4m) / TA 4.80b) |
| Beneish M = -3.65 (Cap -4..+1) = AAA |
As of July 02, 2026, the stock is trading at USD 34.01 with a total of 409,271 shares traded. Over the past week, the price has changed by +6.43%, over one month by +27.45%, over three months by +48.70% and over the past year by +95.07%.
Current recommended Stop Loss: 33.00 (which is 3% or 1.2 ATR below the current price).
Carter Bank Trust has received a consensus analysts rating of 4.67. Therefore, it is recommended to buy CARE.
- StrongBuy: 2
- Buy: 1
- Hold: 0
- Sell: 0
- StrongSell: 0
| Analysts Target Price | 28.5 | -16.2% |
P/E Trailing = 6.9836
P/E Forward = 13.6612
P/S = 2.9189
P/B = 1.4661
Revenue TTM = 319.9m USD
EBIT TTM = 138.9m USD
EBITDA TTM = 147.0m USD
Long Term Debt = 178.5m USD (from longTermDebt, last fiscal year)
Short Term Debt = unknown (none)
Debt = 178.5m USD (from shortLongTermDebtTotal, last fiscal year)
Net Debt = -405.5m USD (calculated: Debt 178.5m - CCE 584.0m)
Enterprise Value = 350.3m USD (755.8m + Debt 178.5m - CCE 584.0m)
Interest Coverage Ratio = 1.41 (Ebit TTM 138.9m / Interest Expense TTM 98.8m)
EV/FCF = 1.06x (Enterprise Value 350.3m / FCF TTM 329.3m)
FCF Yield = 94.01% (FCF TTM 329.3m / Enterprise Value 350.3m)
FCF Margin = 102.9% (FCF TTM 329.3m / Revenue TTM 319.9m)
Net Margin = 33.81% (Net Income TTM 108.2m / Revenue TTM 319.9m)
Gross Margin = 80.32% ((Revenue TTM 319.9m - Cost of Revenue TTM 63.0m) / Revenue TTM)
Gross Margin QoQ = none% (prev 65.23%)
Tobins Q-Ratio = 0.07 (Enterprise Value 350.3m / Total Assets 4.80b)
Interest Expense / Debt = 55.34% (Interest Expense 98.8m / Debt 178.5m)
Taxrate = 22.12% (30.7m / 138.9m)
NOPAT = 108.2m (EBIT 138.9m * (1 - 22.12%))
Current Ratio = 0.14 (Total Current Assets 584.0m / Total Current Liabilities 4.24b)
Debt / Equity = 0.35 (Debt 178.5m / totalStockholderEquity, last quarter 504.9m)
Debt / EBITDA = -2.76 (Net Debt -405.5m / EBITDA 147.0m)
Debt / FCF = -1.23 (Net Debt -405.5m / FCF TTM 329.3m)
Total Stockholder Equity = 435.8m (last 4 quarters mean from totalStockholderEquity)
RoA = 2.28% (Net Income 108.2m / Total Assets 4.80b)
RoE = 24.82% (Net Income TTM 108.2m / Total Stockholder Equity 435.8m)
RoCE = 22.61% (EBIT 138.9m / Capital Employed (Equity 435.8m + L.T.Debt 178.5m))
RoIC = 19.74% (NOPAT 108.2m / Invested Capital 548.0m)
WACC = 6.26% (E(755.8m)/V(934.3m) * Re(7.74%) + (debt cost/tax rate unavailable))
Discount Rate = 7.74% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: -51.11 | Cagr: -2.18%
[DCF] Terminal Value 77.97% ; FCFF base≈204.5m ; Y1≈234.5m ; Y5≈345.1m
[DCF] Fair Price = 251.9 (EV 5.19b - Net Debt -405.5m = Equity 5.60b / Shares 22.2m; r=8.35% [WACC [floored]]; 5y FCF grow 15.0% → 2.50% )
EPS Correlation: 5.26 | EPS CAGR: 2.29% | SUE: -4.0 | # QB: -1
Revenue Correlation: 90.21 | Revenue CAGR: 12.95% | SUE: 0.27 | # QB: 0
EPS current Quarter (2026-09-30): EPS=0.53 | Chg30d=-0.62% | Revisions=+0% | Analysts=3
EPS current Year (2026-12-31): EPS=5.46 | Chg30d=-0.64% | Revisions=+0% | GrowthEPS=+292.8% | GrowthRev=+68.2%
EPS next Year (2027-12-31): EPS=2.57 | Chg30d=+0.00% | Revisions=+0% | GrowthEPS=-53.0% | GrowthRev=-21.8%
[Analyst] Revisions Ratio: +0%