Carter Bankshares, Inc.
CARE
NASDAQ·Financial Services·Banks - Regional·Mkt cap $708.7M
$31.98
▲ +0.66%
P/E
5.44
Mkt Cap
$708.7M
52-Wk Range
$16.78–$36.06
52-Week Range
$16.78 - $36.06
P/E
Fwd P/E
Beta
Div Yield
Avg Vol
Shares Out
Mkt Cap
Price action
Price chart
Up 61.8% over the trailing year
Total returns
Price performance
Total return across standard periods - splits & dividends adjusted by FMP. Periods longer than 1Y show annualized in the tooltip.
Why we rate it this way
The thesis at a glance
Bull and bear case · plain-English context across the five lenses we evaluate.
Bull Case
5 reasons
- Established 50-year operating history with deep community roots in Virginia and North Carolina
- 69-branch network providing convenient local access and personalized service in underserved Mid-Atlantic markets
- Diversified revenue streams across commercial, consumer, and mortgage lending reducing concentration risk
- Comprehensive digital banking platform including mobile deposit and online account opening for customer convenience
- Regional focus enabling relationship-based banking and local decision-making versus larger national competitors
Bear Case
1 risk
- Low volatility (beta 0.5).
Growth
Mild headwinds expected
Expansion of commercial lending portfolio in growing Mid-Atlantic markets
Value
Trading at 0.5x Commercial Banking peers — a discount despite the growth profile.
Momentum
Strong
+11.5% over 3m
Quality
Excellent
High-growth business (112% revenue growth, 82% gross margin). Profitable with strong growth momentum.
Dividend
Modest
0.63% yield
Smart-money signal
Who's buying CARE right now
Insider Form 4s, 13F institutional filings, and Congressional disclosures - at a glance.
Earnings track record
Recent earnings results
AI-summarized recap of last quarter, plus the surprise on every print.
Next: Oct 22, 2026
JUL 23, 2026
Reported EPS of $1.31 vs $1.44 consensus (-9.0% surprise). Revenue of $68.7M vs $55.9M expected (+22.9%).
EPS surprise · last 4Q
0 of 1 beats
Estimate
Actual
Q3 26
-9.0%
Revenue trend · last 8Q
—
+17%
+10%
+11%
+14%
+92%
+261%
+46%
Q3 24
Q4 24
Q1 25
Q2 25
Q3 25
Q4 25
Q1 26
Q2 26
$33.3M
$33.5M
$36.0M
$61.7M
$63.6M
$64.5M
$130.2M
$90.2M
Margins · last 8Q
Gross
74.5%
Operating
41.3%
Profit
32.0%
Wall Street consensus
3 analysts · 0% Buy
Live ratings and price targets aggregated across covering analysts.
Buy
0%
Hold
100%
Sell
0%
Median Price Target
—
Latest: Hovde Group · Jul 27, 2026
vs Industry
How CARE stacks vs Banks - Regional
Stock metrics vs industry averages. Green = better than industry.
Industry comparison data unavailable for this stock.
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