CARE Stock Analysis: Carter Bank Trust | NASDAQ
Banks - Regional | NASDAQ, USA | Market Cap: 698m USD | 12M Return: 58.5% | US1461031064 | Charts, Fundamentals & Technical Analysis
Avg Turnover: 7.33M
EPS Trend: 46.5%
Qual. Beats: 0
Rev. Trend: 89.4%
Qual. Beats: 1
Warnings
Tailwinds
Seasonality 11.7 years of data
How good or bad each month usually is (without trend). The score below shows how much you can trust it: 0 = pure chance, >40 gets interesting and >55 is strong.
Carter Bankshares, Inc. (NASDAQ: CARE) is a bank holding company that operates Carter Bank & Trust, providing retail and commercial banking products along with insurance services across the United States. The company offers a full suite of deposit products-including checking, savings, retirement, money market accounts, and certificates of deposit-and extends a diverse lending portfolio spanning commercial loans (secured and unsecured, real estate construction, and commercial and industrial loans), consumer loans (auto, home improvement, education, personal, and residential mortgages), home equity lines of credit, and credit cards. Beyond core banking, it provides ancillary services such as safe deposit boxes, direct deposit, debit cards, title insurance, and treasury and corporate cash management solutions, supported by a digital banking platform featuring online and mobile banking, bill payment, mobile deposit, Zelle, and digital wallet integration. Founded in 1974 and headquartered in Martinsville, Virginia, the company went public in August 2012.
As a regional bank operating within the Financials sector, Carter Bankshares follows a traditional community banking model that emphasizes relationship-based lending and deposit gathering, primarily serving small businesses and consumers within its geographic footprint. Regional banks of this size and focus typically derive the bulk of their revenue from net interest income, with non-interest fee services-such as insurance, treasury management, and digital banking tools-serving as supplementary contributors to overall profitability.
- Net interest margin expands on higher-for-longer rate environment
- Commercial real estate loan losses pressure credit costs and earnings
- Deposit costs ease as core funding mix stabilizes
| Net Income: 128.6m TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.01 > 0.02 and ΔFCF/TA 0.61 > 1.0 |
| NWC/Revenue: -1.19k% < 20% (prev -1.37k%; Δ 178.2% < -1%) |
| CFO/TA 0.01 > 3% & CFO 67.3m > Net Income 128.6m |
| Net Debt (-502.9m) to EBITDA (173.8m): -2.89 < 3 |
| Current Ratio: 0.01 > 1.5 & < 3 |
| Outstanding Shares: last quarter (21.8m) vs 12m ago -4.24% < -2% |
| Gross Margin: 81.86% > 18% (prev 60.78%; Δ 21.08% > 0.5%) |
| Asset Turnover: 7.27% > 50% (prev 5.13%; Δ 2.14% > 0%) |
| Interest Coverage Ratio: 1.74 > 6 (EBIT TTM 165.5m / Interest Expense TTM 94.9m) |
| A: -0.87 (Total Current Assets 41.1m - Total Current Liabilities 4.20b) / Total Assets 4.80b |
| B: 0.10 (Retained Earnings 477.4m / Total Assets 4.80b) |
| C: 0.03 (EBIT TTM 165.5m / Avg Total Assets 4.79b) |
| D: 0.13 (Book Value of Equity 539.1m / Total Liabilities 4.26b) |
| Altman-Z'' = -4.99 = D |
| DSRI: 0.19 (Receivables 16.9m/64.0m, Revenue 348.5m/245.6m) |
| GMI: 0.74 (GM 60.78% / 81.86%) |
| AQI: 1.21 (AQ_t 0.98 / AQ_t-1 0.81) |
| SGI: 1.42 (Revenue 348.5m / 245.6m) |
| TATA: 0.01 (NI 128.6m - CFO 67.3m) / TA 4.80b) |
| Beneish M = -3.50 (Cap -4..+1) = AAA |
As of October 06, 2026, the stock is trading at USD 30.55 with a total of 121,672 shares traded. Over the past week, the price has changed by +3.00%, over one month by -2.58%, over three months by -7.70% and over the past year by +58.47%.
Current recommended Stop Loss: 29.50 (which is 3.4% or 1.4 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 | 35.1 | 14.8% |
P/E Trailing = 5.1138
P/E Forward = 13.6612
P/S = 2.4377
P/B = 1.2861
Revenue TTM = 348.5m USD
EBIT TTM = 165.5m USD
EBITDA TTM = 173.8m 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 = -502.9m USD (calculated: Debt 178.5m - CCE 681.4m)
Enterprise Value = 194.8m USD (697.7m + Debt 178.5m - CCE 681.4m)
Interest Coverage Ratio = 1.74 (Ebit TTM 165.5m / Interest Expense TTM 94.9m)
EV/FCF = 3.32x (Enterprise Value 194.8m / FCF TTM 58.8m)
FCF Yield = 30.16% (FCF TTM 58.8m / Enterprise Value 194.8m)
FCF Margin = 16.86% (FCF TTM 58.8m / Revenue TTM 348.5m)
Net Margin = 36.89% (Net Income TTM 128.6m / Revenue TTM 348.5m)
Gross Margin = 81.86% ((Revenue TTM 348.5m - Cost of Revenue TTM 63.2m) / Revenue TTM)
Gross Margin QoQ = 74.51% (prev none%)
Tobins Q-Ratio = 0.04 (Enterprise Value 194.8m / Total Assets 4.80b)
Interest Expense / Debt = 53.19% (Interest Expense 94.9m / Debt 178.5m)
Taxrate = 22.32% (36.9m / 165.5m)
NOPAT = 128.6m (EBIT 165.5m * (1 - 22.32%))
Current Ratio = 0.01 (Total Current Assets 41.1m / Total Current Liabilities 4.20b)
Debt / Equity = 0.33 (Debt 178.5m / totalStockholderEquity, last quarter 539.1m)
Debt / EBITDA = -2.89 (Net Debt -502.9m / EBITDA 173.8m)
Debt / FCF = -8.56 (Net Debt -502.9m / FCF TTM 58.8m)
Total Stockholder Equity = 469.1m (last 4 quarters mean from totalStockholderEquity)
RoA = 2.68% (Net Income 128.6m / Total Assets 4.80b)
RoE = 27.40% (Net Income TTM 128.6m / Total Stockholder Equity 469.1m)
RoCE = 25.56% (EBIT 165.5m / Capital Employed (Equity 469.1m + L.T.Debt 178.5m))
RoIC = 21.91% (NOPAT 128.6m / Invested Capital 586.9m)
WACC = 6.08% (E(697.7m)/V(876.2m) * Re(7.64%) + (debt cost/tax rate unavailable))
Discount Rate = 7.64% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: -82.85 | Cagr: -1.84%
[DCF] Terminal Value 77.97% ; FCFF base≈47.0m ; Y1≈53.8m ; Y5≈79.2m
[DCF] Fair Price = 73.19 (EV 1.19b - Net Debt -502.9m = Equity 1.70b / Shares 23.2m; r=8.35% [WACC [floored]]; 5y FCF grow 15.0% → 2.50% )
EPS Correlation: 46.48 | EPS CAGR: 20.24% | SUE: 0.10 | # QB: 0
Revenue Correlation: 89.40 | Revenue CAGR: 16.92% | SUE: 0.92 | # QB: 1
EPS current Quarter (2026-09-30): EPS=0.53 | Chg30d=+0.00% | Revisions=+17% | Analysts=4
EPS current Year (2026-12-31): EPS=5.76 | Chg30d=+5.55% | Revisions=+40% | GrowthEPS=+314.6% | GrowthRev=+69.3%
EPS next Year (2027-12-31): EPS=2.60 | Chg30d=+1.30% | Revisions=+17% | GrowthEPS=-54.9% | GrowthRev=-21.3%
[Analyst] Revisions Ratio: +36% (up=6, down=2)