(CARE) Carter Bank Trust - Overview

Exchange: NASDAQ • Country: United States • Currency: USD • Type: Common Stock • ISIN: US1461031064

Stock: Deposits, Loans, Mortgages, Cards, Digital

Total Rating 58

Risk 90

Buy Signal 0.58

Banks - Regional » Regional Banks
Age: 13.5y

Market Cap: 473m
Avg Trading Vol: 3.11M USD

ATR: 2.79%
Peers RS (IBD): 71.50

EPS (Earnings per Share)

EPS CAGR: 3.53%
EPS Trend: -29.7%

Last SUE: 0.49
Qual. Beats: 0

Revenue

Rev. CAGR: 15.99%
Rev. Trend: 88.8%

Last SUE: 3.40
Qual. Beats: 1

Risk 5d forecast
Volatility	30.0%
Relative Tail Risk	-14.6%

Reward TTM
Sharpe Ratio	0.76
Alpha	12.75

Character TTM
Beta	0.723
Beta Downside	0.961

Drawdowns 3y
Max DD	39.48%
CAGR/Max DD	0.21

Description: CARE Carter Bank Trust December 28, 2025

Carter Bankshares, Inc. (NASDAQ: CARE) is a Virginia-based bank holding company that operates Carter Bank & Trust, delivering a full suite of retail and commercial banking products-including checking, savings, CDs, consumer and commercial loans, mortgages, credit cards, and treasury services-alongside insurance and title-related offerings.

As of the latest quarter (Q3 2024), CARE posted a net interest margin of roughly 3.2% and a loan-to-deposit ratio of 78%, reflecting modest loan growth of about 5% YoY despite a tightening credit environment. The regional-bank sector remains highly sensitive to Federal Reserve rate policy: higher rates boost net interest income but can suppress loan demand and increase credit-risk provisions.

For a data-driven deep-dive into CARE’s valuation and risk profile, the ValueRay platform provides a concise, quantitative snapshot worth exploring.

Piotroski VR‑10 (Strict, 0-10) 4.0

Net Income: 31.4m TTM > 0 and > 6% of Revenue
FCF/TA: 0.01 > 0.02 and ΔFCF/TA 0.07 > 1.0
NWC/Revenue: -471.2% < 20% (prev -1378 %; Δ 907.3% < -1%)
CFO/TA 0.01 > 3% & CFO 39.2m > Net Income 31.4m
Net Debt (-105.2m) to EBITDA (45.8m): -2.30 < 3
Current Ratio: 0.40 > 1.5 & < 3
Outstanding Shares: last quarter (21.9m) vs 12m ago -5.95% < -2%
Gross Margin: 61.23% > 18% (prev 0.57%; Δ 6066 % > 0.5%)
Asset Turnover: 5.29% > 50% (prev 5.14%; Δ 0.15% > 0%)
Interest Coverage Ratio: 0.29 > 6 (EBITDA TTM 45.8m / Interest Expense TTM 101.4m)

Altman Z'' -1.24

A: -0.24 (Total Current Assets 796.8m - Total Current Liabilities 1.98b) / Total Assets 4.85b
B: 0.08 (Retained Earnings 365.0m / Total Assets 4.85b)
C: 0.01 (EBIT TTM 28.9m / Avg Total Assets 4.76b)
D: 0.08 (Book Value of Equity 344.9m / Total Liabilities 4.43b)
Altman-Z'' Score: -1.24 = CCC

What is the price of CARE shares?

As of February 08, 2026, the stock is trading at USD 22.11 with a total of 164,298 shares traded.
Over the past week, the price has changed by +3.27%, over one month by +10.88%, over three months by +28.40% and over the past year by +23.66%.

Is CARE a buy, sell or hold?

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

What are the forecasts/targets for the CARE price?

Issuer	Target	Up/Down from current
Wallstreet Target Price	23.1	4.6%
Analysts Target Price	23.1	4.6%
ValueRay Target Price	23.7	7.1%

CARE Fundamental Data Overview February 01, 2026

P/E Trailing = 15.7426
P/E Forward = 13.6612
P/S = 3.0109
P/B = 1.095
Revenue TTM = 251.7m USD
EBIT TTM = 28.9m USD
EBITDA TTM = 45.8m USD
Long Term Debt = 175.5m USD (from longTermDebt, two quarters ago)
Short Term Debt = 135.5m USD (from shortTermDebt, two quarters ago)
Debt = 178.5m USD (from shortLongTermDebtTotal, last quarter)
Net Debt = -105.2m USD (from netDebt column, last quarter)
Enterprise Value = -145.4m USD (472.9m + Debt 178.5m - CCE 796.8m)
Interest Coverage Ratio = 0.29 (Ebit TTM 28.9m / Interest Expense TTM 101.4m)
EV/FCF = -4.67x (Enterprise Value -145.4m / FCF TTM 31.1m)
FCF Yield = -21.41% (FCF TTM 31.1m / Enterprise Value -145.4m)
FCF Margin = 12.37% (FCF TTM 31.1m / Revenue TTM 251.7m)
Net Margin = 12.46% (Net Income TTM 31.4m / Revenue TTM 251.7m)
Gross Margin = 61.23% ((Revenue TTM 251.7m - Cost of Revenue TTM 97.6m) / Revenue TTM)
Gross Margin QoQ = 65.23% (prev 54.89%)
Tobins Q-Ratio = -0.03 (set to none) (Enterprise Value -145.4m / Total Assets 4.85b)
Interest Expense / Debt = 13.83% (Interest Expense 24.7m / Debt 178.5m)
Taxrate = 23.49% (2.60m / 11.1m)
NOPAT = 22.1m (EBIT 28.9m * (1 - 23.49%))
Current Ratio = 0.40 (Total Current Assets 796.8m / Total Current Liabilities 1.98b)
Debt / Equity = 0.43 (Debt 178.5m / totalStockholderEquity, last quarter 419.7m)
Debt / EBITDA = -2.30 (Net Debt -105.2m / EBITDA 45.8m)
Debt / FCF = -3.38 (Net Debt -105.2m / FCF TTM 31.1m)
Total Stockholder Equity = 410.0m (last 4 quarters mean from totalStockholderEquity)
RoA = 0.66% (Net Income 31.4m / Total Assets 4.85b)
RoE = 7.65% (Net Income TTM 31.4m / Total Stockholder Equity 410.0m)
RoCE = 4.94% (EBIT 28.9m / Capital Employed (Equity 410.0m + L.T.Debt 175.5m))
RoIC = 4.24% (NOPAT 22.1m / Invested Capital 521.4m)
WACC = 9.13% (E(472.9m)/V(651.4m) * Re(8.58%) + D(178.5m)/V(651.4m) * Rd(13.83%) * (1-Tc(0.23)))
Discount Rate = 8.58% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: -33.33 | Cagr: -2.42%
[DCF Debug] Terminal Value 71.31% ; FCFF base≈29.3m ; Y1≈25.2m ; Y5≈19.7m
Fair Price DCF = 18.11 (EV 294.8m - Net Debt -105.2m = Equity 400.0m / Shares 22.1m; r=9.13% [WACC]; 5y FCF grow -17.08% → 2.90% )
EPS Correlation: -29.69 | EPS CAGR: 3.53% | SUE: 0.49 | # QB: 0
Revenue Correlation: 88.77 | Revenue CAGR: 15.99% | SUE: 3.40 | # QB: 1
EPS next Quarter (2026-03-31): EPS=0.38 | Chg30d=-0.440 | Revisions Net=-1 | Analysts=1
EPS current Year (2026-12-31): EPS=1.90 | Chg30d=-0.467 | Revisions Net=-1 | Growth EPS=+36.7% | Growth Revenue=+15.7%
EPS next Year (2027-12-31): EPS=2.50 | Chg30d=+0.017 | Revisions Net=+0 | Growth EPS=+31.6% | Growth Revenue=+9.2%

Additional Sources for CARE Stock

News: Wall Street Journal | Benzinga | Yahoo Finance
Fund Manager Positions: Dataroma | Stockcircle