(CARE) Carter Bank Trust - Overview

Sector: Financial Services | Industry: Banks - Regional | Exchange: NASDAQ (USA) | Market Cap: 522m USD | Total Return: 64.3% in 12m

Loans, Deposits, Cards, Insurance, Banking
Total Rating 66
Safety 70
Buy Signal 1.71
Banks - Regional
Industry Rotation: +14.6
Market Cap: 522M
Avg Turnover: 5.69M USD
ATR: 2.77%
Peers RS (IBD): 95.2
Risk 5d forecast
Volatility30.4%
Rel. Tail Risk-15.2%
Reward TTM
Sharpe Ratio2.00
Alpha49.74
Character TTM
Beta0.556
Beta Downside1.653
Drawdowns 3y
Max DD35.75%
CAGR/Max DD0.64
EPS (Earnings per Share) EPS (Earnings per Share) of CARE over the last years for every Quarter: "2021-03": 0.2, "2021-06": 0.24, "2021-09": 0.36, "2021-12": 0.21, "2022-03": 0.36, "2022-06": 0.44, "2022-09": 0.55, "2022-12": 0.62, "2023-03": 0.67, "2023-06": 0.24, "2023-09": 0.2, "2023-12": -0.02, "2024-03": 0.24, "2024-06": 0.21, "2024-09": 0.23, "2024-12": 0.37, "2025-03": 0.32, "2025-06": 0.41, "2025-09": 0.26, "2025-12": 0.41,
EPS CAGR: 3.53%
EPS Trend: -29.8%
Last SUE: 0.49
Qual. Beats: 0
Revenue Revenue of CARE over the last years for every Quarter: 2021-03: 41.065, 2021-06: 37.016, 2021-09: 40.52, 2021-12: 37.778, 2022-03: 36.997, 2022-06: 41.906, 2022-09: 46.769, 2022-12: 52.862, 2023-03: 56.211, 2023-06: 47.973, 2023-09: 53.34, 2023-12: 53.199, 2024-03: 58.338, 2024-06: 59.308, 2024-09: 61.128, 2024-12: 60.9, 2025-03: 61.916, 2025-06: 61.664, 2025-09: 63.581, 2025-12: 64.523,
Rev. CAGR: 15.99%
Rev. Trend: 88.8%
Last SUE: 3.40
Qual. Beats: 1

Warnings

No concerns identified

Tailwinds

Confidence

Description: CARE Carter Bank Trust

Carter Bank & Trust, operating as Carter Bankshares, Inc. (CARE), is a regional bank providing retail and commercial banking services. The company offers a standard range of deposit products, including checking and savings accounts, and various loan types such as commercial, consumer, and mortgage loans.

The banking sector is characterized by interest rate sensitivity, with profitability often tied to the spread between lending and deposit rates. Regional banks, like CARE, typically focus on community-based lending and deposit gathering within a specific geographic area, often serving small to medium-sized businesses and individual consumers.

CARE also provides additional services such as credit cards, online banking, and treasury management solutions. Their business model emphasizes a comprehensive suite of financial products to both individual and corporate clients. Investors often assess regional banks based on asset quality, loan growth, and net interest margin.

For more detailed financial analysis and performance metrics, further research on platforms like ValueRay is recommended.

Headlines to Watch Out For
  • Net interest margin expansion boosts profitability
  • Loan growth in commercial and consumer segments
  • Deposit retention impacts funding costs
  • Regulatory compliance costs affect earnings
  • Regional economic health influences loan demand
Piotroski VR‑10 (Strict) 4.0
Net Income: 31.4m TTM > 0 and > 6% of Revenue
FCF/TA: 0.01 > 0.02 and ΔFCF/TA -0.00 > 1.0
NWC/Revenue: 261.0% < 20% (prev -1.38k%; Δ 1.64k% < -1%)
CFO/TA 0.01 > 3% & CFO 39.9m > Net Income 31.4m
Net Debt (-618.3m) to EBITDA (45.8m): -13.49 < 3
Current Ratio: 5.70 > 1.5 & < 3
Outstanding Shares: last quarter (21.9m) vs 12m ago -5.95% < -2%
Gross Margin: 61.23% > 18% (prev 0.57%; Δ 6.07k% > 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'' 1.26
A: 0.14 (Total Current Assets 796.8m - Total Current Liabilities 139.8m) / 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: 1.26 = BB
Beneish M -3.64
DSRI: 0.27 (Receivables 17.8m/63.5m, Revenue 251.7m/239.7m)
GMI: 0.94 (GM 61.23% / 57.35%)
AQI: 1.02 (AQ_t 0.82 / AQ_t-1 0.80)
SGI: 1.05 (Revenue 251.7m / 239.7m)
TATA: -0.00 (NI 31.4m - CFO 39.9m) / TA 4.85b)
Beneish M-Score: -3.64 (Cap -4..+1) = AAA
What is the price of CARE shares? As of April 10, 2026, the stock is trading at USD 24.64 with a total of 496,064 shares traded.
Over the past week, the price has changed by +5.30%, over one month by +20.78%, over three months by +23.14% and over the past year by +64.27%.
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?
Analysts Target Price 26 5.5%
Carter Bank Trust (CARE) - Fundamental Data Overview as of 07 April 2026
P/E Trailing = 17.0725
P/E Forward = 13.6612
P/S = 3.3249
P/B = 1.2358
Revenue TTM = 251.7m USD
EBIT TTM = 28.9m USD
EBITDA TTM = 45.8m USD
Long Term Debt = 178.5m USD (from longTermDebt, last quarter)
Short Term Debt = 135.5m USD (from shortTermDebt, two quarters ago)
Debt = 178.5m USD (from shortLongTermDebtTotal, last quarter)
Net Debt = -618.3m USD (recalculated: Debt 178.5m - CCE 796.8m)
Enterprise Value = 522.2m USD (floored to Market Cap, CCE > MCap+Debt)
Interest Coverage Ratio = 0.29 (Ebit TTM 28.9m / Interest Expense TTM 101.4m)
EV/FCF = 17.45x (Enterprise Value 522.2m / FCF TTM 29.9m)
FCF Yield = 5.73% (FCF TTM 29.9m / Enterprise Value 522.2m)
FCF Margin = 11.89% (FCF TTM 29.9m / 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 = 0.11 (Enterprise Value 522.2m / 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 = 5.70 (Total Current Assets 796.8m / Total Current Liabilities 139.8m)
Debt / Equity = 0.43 (Debt 178.5m / totalStockholderEquity, last quarter 419.7m)
Debt / EBITDA = -13.49 (Net Debt -618.3m / EBITDA 45.8m)
Debt / FCF = -20.66 (Net Debt -618.3m / FCF TTM 29.9m)
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 = 4.91% (EBIT 28.9m / Capital Employed (Equity 410.0m + L.T.Debt 178.5m))
RoIC = 4.09% (NOPAT 22.1m / Invested Capital 540.6m)
WACC = 8.61% (E(522.2m)/V(700.7m) * Re(7.94%) + D(178.5m)/V(700.7m) * Rd(13.83%) * (1-Tc(0.23)))
Discount Rate = 7.94% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: -33.33 | Cagr: -2.42%
[DCF] Terminal Value 73.65% ; FCFF base≈29.5m ; Y1≈25.3m ; Y5≈19.9m
[DCF] Fair Price = 42.67 (EV 327.5m - Net Debt -618.3m = Equity 945.7m / Shares 22.2m; r=8.61% [WACC]; 5y FCF grow -17.08% → 3.0% )
EPS Correlation: -29.82 | 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 (2026-06-30): EPS=0.44 | Chg7d=-0.030 | Chg30d=-0.030 | Revisions Net=+0 | Analysts=3
EPS current Year (2026-12-31): EPS=5.49 | Chg7d=+3.015 | Chg30d=+3.015 | Revisions Net=+1 | Growth EPS=+295.0% | Growth Revenue=+66.8%
EPS next Year (2027-12-31): EPS=2.50 | Chg7d=+0.100 | Chg30d=+0.100 | Revisions Net=+1 | Growth EPS=-54.5% | Growth Revenue=-24.2%
[Analyst] Revisions Ratio: +1.00 (1 Up / 0 Down within 30d for Current Year)
[Growth] Implied Growth Rate = 2.1% (Discount Rate 7.9% - Earnings Yield 5.9%)
[Growth] Growth Spread = +14.2% (Analyst 16.3% - Implied 2.1%)
External Resources
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