What is Carter Bankshares, Inc.'s earnings per share (EPS)?

Carter Bankshares, Inc. (CARE) reported diluted earnings per share of $1.38 for fiscal year 2025. This represents a 30.2% change compared to the previous fiscal year. EPS represents the portion of a company's net income allocated to each outstanding share of common stock and is widely used to evaluate profitability on a per-share basis.

Carter Bankshares, Inc. (CARE) Financials

CARE

Trailing 12 months to June 30, 2026

Revenue $254.5M +77.9% YoY

Net Income $128.6M +309.8% YoY

EPS (Diluted) $5.81 +327.2% YoY

Free Cash Flow $58.8M +100.7% YoY

Market Cap $723.4M as of Sep 12, 2026

Price / Sales 2.8x on $254.5M revenue, trailing 12 months to June 30, 2026

Price / Earnings 5.6x on $128.6M net income, trailing 12 months to June 30, 2026

Price / Book 1.3x on $539.1M equity, Q2 FY2026

A multiple compares the market's price with a filed figure; it says what the market pays, not how the business is doing. The market capitalization is the vendor's as of Sep 12, 2026; every other figure is from the SEC filings on this page. Not financial advice.

Source SEC Filings (10-K/10-Q) Latest period Q2 FY2026, ended Jun 30, 2026 Reported Aug 6, 2026 Currency USD FYE December

Newest figures come from the 10-Q for Q2 FY2026, filed Aug 6, 2026. Each column of the statement tables below links to the filing it was taken from, and every filing is listed on the CARE SEC filings page.

Carter Bankshares, Inc. (CARE) reported $254.5M in revenue over the twelve months to Jun 30, 2026, up 77.9% from the prior twelve months. This page shows its income statement, balance sheet, cash flow statement, and key financial ratios. View 7 years of annual fundamentals and quarterly data, with year-over-year growth rates and compound annual growth rates (CAGR). All figures are derived from SEC filings (10-K and 10-Q reports).

Rhea AI CARE FY2025 2026-09-05

Higher funding costs reshaped earnings, while balance-sheet growth and modest capital spending preserved the bank’s cash-generation pattern.

The 2023 earnings reset tracks a funding-cost shock: interest expense climbed from $20.3M in FY2022 to $74.1M in FY2023, compressing the earnings produced by the bank’s revenue base. By FY2025, net margin recovered to 20.5% from 16.6% in FY2023, but remained below the earlier period’s level, indicating profit recovery without a full return to the prior margin structure.

Assets expanded from $4.66B in FY2024 to $4.85B in FY2025, showing continued balance-sheet growth rather than a shrinking platform. Equity increased while debt-to-equity declined from 11.1x to 10.6x, so that expansion was accompanied by some strengthening in the capital cushion.

Free-cash-flow conversion remained relatively consistent: FCF margin was 20.8% in FY2025 versus 21.2% in FY2024, despite the earnings rebound. Capital spending was only $8.1M, while $20.0M went to share buybacks, making capital returns a larger use of funds than physical reinvestment.

Financial Health Signals

Financial Health Score 37/100

Scored as: Banks peer group

Scored against banks for FY2025. Each of the six dimensions is a percentile rank within that peer group; the overall is their average, with missing dimensions counted as zero out of six. A high score means strong standing among peers, not absolute cross-industry strength. How this score is calculated →

Health score ≠ stock price. This rates the quality of Carter Bankshares, Inc.'s business: profitability, growth, balance sheet strength. It doesn't tell you whether the stock is a good buy at today's price. Not financial advice. Use it alongside valuation analysis and your own research.

Earnings

Carter Bankshares, Inc. earned a return on assets of 0.7% in fiscal year 2025, which is the profit it made on every dollar of assets on its books. This is up from 0.5% the prior year. Earnings ranks banks on that return over three years, and Carter Bankshares, Inc. scores 31/100 among other banks.

Growth

Carter Bankshares, Inc. reported revenue of $153.2M in fiscal year 2025, against $135.8M in fiscal year 2024. Growth ranks banks on the three-year path of their net revenue, which is interest income and fee income less the interest they pay out, and Carter Bankshares, Inc. scores 34/100 among other banks.

Capital

Carter Bankshares, Inc. funded 8.7% of its assets with shareholders' equity at the end of fiscal year 2025, holding $419.7M of equity against $4.9B of assets. Capital ranks banks on that cushion, and Carter Bankshares, Inc. scores 14/100 among other banks.

Efficiency

Efficiency measures what a bank spends running itself against the revenue that spending brings in, so a lower ratio is the better one. Carter Bankshares, Inc. scores 18/100 on it among other banks.

Credit Quality

Credit Quality measures the money a bank set aside for loans it expects to go bad, against the size of the loan book it set that money aside for. Carter Bankshares, Inc. scores 77/100 on it among other banks.

Stability

Carter Bankshares, Inc. reported net income of $31.4M in fiscal year 2025, against $24.5M in fiscal year 2024. Stability ranks banks on how steady net income has been across five years, and Carter Bankshares, Inc. scores 46/100 among other banks.

Piotroski F-Score Partial

6/6

Carter Bankshares, Inc. passes 6 of 6 computable financial strength tests (3 of the nine could not be computed from available data). All 4 profitability signals pass (positive income, cash flow, and earnings quality), all 1 leverage/liquidity signals pass, both operating efficiency signals pass.

Earnings Quality Cash-Backed

1.27x

For every $1 of reported earnings, Carter Bankshares, Inc. generates $1.27 in operating cash flow ($39.9M OCF vs $31.4M net income). This indicates profits are well-supported by actual cash generation, not accounting adjustments.

Key Financial Metrics

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Earnings & Revenue

Revenue

$68.7M

YoY+84.3%

QoQ-35.8%

5Y CAGR+14.8%

Carter Bankshares, Inc. generated $68.7M in revenue in Q2 2026. This represents an increase of 84.3% from the same quarter a year earlier. Against the prior quarter it is down 35.8%.

Net Income

$28.9M

YoY+239.7%

QoQ-66.3%

5Y CAGR+39.7%

Carter Bankshares, Inc. reported $28.9M in net income in Q2 2026. This represents an increase of 239.7% from the same quarter a year earlier. Against the prior quarter it is down 66.3%.

EPS (Diluted)

$1.31

YoY+254.1%

QoQ-66.2%

5Y CAGR+44.2%

Carter Bankshares, Inc. earned $1.31 per diluted share (EPS) in Q2 2026. This represents an increase of 254.1% from the same quarter a year earlier. Against the prior quarter it is down 66.2%.

EBITDA

Not reported for Q2 2026.

Cash & Balance Sheet

Free Cash Flow

-$262.9M

YoY-3522.2%

QoQ-186.9%

Carter Bankshares, Inc. recorded an outflow of $262.9M in free cash flow in Q2 2026, representing a cash shortfall after capex. This represents a decrease of 3522.2% from the same quarter a year earlier. Against the prior quarter it is down 186.9%.

Cash & Debt

$276.5M

YoY+176.8%

QoQ+21.1%

5Y CAGR+5.0%

Carter Bankshares, Inc. held $276.5M in cash as of Q2 2026; long-term debt is not reported for that period.

Dividends Per Share

$0.10

Carter Bankshares, Inc. paid $0.10 per share in dividends in Q2 2026.

Shares Outstanding

22M

YoY-2.2%

QoQ-0.3%

5Y CAGR-3.5%

Carter Bankshares, Inc. had 22M shares outstanding in Q2 2026. This represents a decrease of 2.2% from the same quarter a year earlier. Against the prior quarter it is down 0.3%.

Margins & Returns

Net Margin

42.1%

YoY+19.3pp

QoQ-38.1pp

5Y change+26.3pp

Carter Bankshares, Inc.'s net profit margin was 42.1% in Q2 2026, showing the share of revenue converted to profit. This is up 19.3 percentage points from the same quarter a year earlier. Against the prior quarter it is down 38.1 percentage points.

Return on Equity

5.4%

YoY+3.3pp

QoQ-11.6pp

5Y change+4.0pp

Carter Bankshares, Inc.'s ROE was 5.4% in Q2 2026, measuring profit generated per dollar of shareholder equity. This is up 3.3 percentage points from the same quarter a year earlier. Against the prior quarter it is down 11.6 percentage points.

Gross Margin

Not reported for Q2 2026.

Operating Margin

Not reported for Q2 2026.

Capital Allocation

Capital Expenditures

$2.3M

YoY+22.5%

QoQ+52.8%

5Y CAGR+7.7%

Carter Bankshares, Inc. invested $2.3M in capex in Q2 2026, funding long-term assets and infrastructure. This represents an increase of 22.5% from the same quarter a year earlier. Against the prior quarter it is up 52.8%.

R&D Spending

Not reported for Q2 2026.

Share Buybacks

Not reported for Q2 2026.

CARE Income Statement

Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.

CARE quarterly income statement

Metric	TTM	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K
Revenue	$254.5M	$153.2M+12.8%	$135.8M-3.4%	$140.6M-13.0%	$161.6M+15.4%	$140.1M+6.4%	$131.7M+1.9%	$129.2M
SG&A Expenses	$59.0M	$57.7M-0.3%	$57.9M+3.7%	$55.9M+6.6%	$52.4M-3.2%	$54.2M+3.4%	$52.4M-0.9%	$52.9M
Interest Expense	$94.9M	$101.4M-5.5%	$107.3M+44.7%	$74.1M+265.9%	$20.3M-10.8%	$22.7M-36.6%	$35.8M-23.4%	$46.8M
Income Tax	$36.9M	$8.6M+36.1%	$6.3M+18.9%	$5.3M-54.0%	$11.6M+182.4%	$4.1M+432.1%	$772K-36.1%	$1.2M
Net Income	$128.6M	$31.4M+27.9%	$24.5M+4.9%	$23.4M-53.3%	$50.1M+58.7%	$31.6M+168.9%	-$45.9M-272.6%	$26.6M
EPS (Basic)	N/A	$1.38+30.2%	$1.06+6.0%	$1.00-50.7%	$2.03+70.6%	$1.19+168.4%	-$1.74-272.3%	$1.01
EPS (Diluted)	$5.81	$1.38+30.2%	$1.06+6.0%	$1.00-50.7%	$2.03+70.6%	$1.19+168.4%	-$1.74-272.3%	$1.01
Diluted Shares (Avg)	N/A	22M-1.6%	23M-1.8%	23M-5.5%	25M-6.6%	26M-0.1%	26M+0.5%	26M

Metric	Q2'2610-Q	Q1'2610-Q	Q4'2510-Q	Q3'2510-Q	Q2'2510-Q	Q1'2510-Q	Q4'2410-K	Q3'2410-Q
Revenue	$68.7M+84.3%	$106.9M+188.6%	$39.8M+15.4%	$39.1M+14.2%	$37.3M+10.8%	$37.0M+10.7%	$34.5M+12.6%	$34.2M+4.8%
SG&A Expenses	$14.1M-0.2%	$14.9M+9.2%	$16.0M+7.3%	$14.0M-4.0%	$14.1M-0.9%	$13.7M-3.8%	$14.9M+2.0%	$14.6M+4.6%
Interest Expense	$21.5M-15.2%	$23.3M-10.1%	$24.7M-9.7%	$25.5M-8.4%	$25.4M-4.2%	$25.9M+0.9%	$27.4M+11.9%	$27.8M+29.3%
Income Tax	$8.3M+293.2%	$24.3M+1012.0%	$2.6M+8.3%	$1.7M+24.0%	$2.1M+88.9%	$2.2M+53.4%	$2.4M+240400.0%	$1.4M+79.4%
Net Income	$28.9M+239.7%	$85.8M+857.9%	$8.5M+2.4%	$5.4M-3.7%	$8.5M+77.2%	$9.0M+54.1%	$8.3M+538.6%	$5.6M+55.2%
EPS (Basic)	$1.31+254.1%	$3.88+894.9%	$0.38+5.6%	$0.240.0%	$0.37+76.2%	$0.39+56.0%	$0.36+614.3%	$0.24+50.0%
EPS (Diluted)	$1.31+254.1%	$3.88+894.9%	$0.38+5.6%	$0.240.0%	$0.37+76.2%	$0.39+56.0%	$0.36+614.3%	$0.24+50.0%
Diluted Shares (Avg)	22M-4.2%	22M-4.5%	N/A	22M-2.4%	23M-0.1%	23M+0.5%	N/A	23M-0.5%

Not reported in any period shown, so not listed: Cost of Revenue, Gross Profit, R&D Expenses, Operating Income, EBITDA.

CARE Balance Sheet

CARE quarterly balance sheet

Metric	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K
Total Assets	$4.9B+4.1%	$4.7B+3.2%	$4.5B+7.3%	$4.2B+1.7%	$4.1B-1.1%	$4.2B	N/A
Cash & Equivalents	$105.2M-19.8%	$131.2M+140.6%	$54.5M+16.3%	$46.9M-83.1%	$277.8M+14.8%	$241.9M+92.3%	$125.8M
Short-Term Investments	$0	$0	$0	$0	$0	$0	$0
Long-Term Investments	$0	$0	$0	$0	$0	$0	$0
Goodwill	$1.2M	$0	N/A	N/A	N/A	N/A	N/A
Total Liabilities	$4.4B+3.7%	$4.3B+2.7%	$4.2B+7.4%	$3.9B+4.0%	$3.7B-0.3%	$3.7B	N/A
Total Equity	$419.7M+9.2%	$384.3M+9.4%	$351.2M+6.9%	$328.6M-19.4%	$407.6M-7.4%	$440.2M-7.0%	$473.1M
Retained Earnings	$365.0M+9.4%	$333.6M+7.9%	$309.1M+8.2%	$285.6M+21.3%	$235.5M-7.5%	$254.6M	N/A

Metric	Q2'2610-Q	Q1'2610-Q	Q4'2510-Q	Q3'2510-Q	Q2'2510-Q	Q1'2510-Q	Q4'2410-K	Q3'2410-Q
Total Assets	$4.8B+0.4%	$4.8B+2.1%	$4.9B+4.1%	$4.8B+4.9%	$4.8B+5.6%	$4.7B+3.2%	$4.7B+3.2%	$4.6B+3.6%
Cash & Equivalents	$276.5M+176.8%	$228.3M+156.5%	$105.2M-19.8%	$106.9M+1.9%	$99.9M+61.8%	$89.0M-17.7%	$131.2M+140.6%	$105.0M+89.5%
Short-Term Investments	$0	$0	$0	$0	$0	$0	$0	$0
Long-Term Investments	$0	$0	$0	$0	$0	$0	$0	$0
Goodwill	$1.2M0.0%	$1.2M	$1.2M	$1.2M	$1.2M	N/A	$0	N/A
Total Liabilities	$4.3B-2.6%	$4.3B-0.1%	$4.4B+3.7%	$4.4B+4.7%	$4.4B+5.0%	$4.3B+2.4%	$4.3B+2.7%	$4.2B+2.5%
Total Equity	$539.1M+32.9%	$504.9M+25.7%	$419.7M+9.2%	$412.8M+6.7%	$405.6M+11.3%	$401.8M+11.9%	$384.3M+9.4%	$386.8M+17.0%
Retained Earnings	$477.4M+36.0%	$450.7M+31.6%	$365.0M+9.4%	$356.5M+9.6%	$351.1M+9.8%	$342.6M+8.8%	$333.6M+7.9%	$325.3M+4.6%

Not reported in any period shown, so not listed: Current Assets, Inventory, Accounts Receivable, Current Liabilities, Non-Current Liabilities, Long-Term Debt.

CARE Cash Flow Statement

CARE quarterly cash flow statement

Metric	TTM	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K
Operating Cash Flow	$67.3M	$39.9M+7.9%	$36.9M-21.0%	$46.7M-34.0%	$70.8M-8.7%	$77.5M+906.5%	$7.7M-79.9%	$38.3M
Depreciation & Amortization	N/A	$7.9M+11.4%	$7.1M+12.9%	$6.2M+3.1%	$6.1M-2.7%	$6.2M+1.4%	$6.1M+15.1%	$5.3M
Stock-Based Compensation	N/A	$2.1M+18.2%	$1.8M+12.2%	$1.6M+18.8%	$1.3M+26.3%	$1.0M+2.4%	$1.0M+166.7%	$381K
Capital Expenditures	$8.5M	$8.1M-1.0%	$8.1M-17.0%	$9.8M+66.3%	$5.9M-30.6%	$8.5M-16.2%	$10.1M+19.7%	$8.5M
Free Cash Flow	$58.8M	$31.8M+10.4%	$28.8M-22.0%	$36.9M-43.1%	$64.9M-6.0%	$69.1M+2958.2%	-$2.4M-108.1%	$29.8M
Investing Cash Flow	$263.5M	-$155.9M-127.9%	-$68.4M+77.7%	-$307.0M+19.6%	-$382.1M-259.2%	-$106.4M-14.0%	-$93.3M+27.9%	-$129.4M
Financing Cash Flow	-$154.1M	$90.0M-16.7%	$108.1M-59.7%	$267.9M+233.5%	$80.3M+24.2%	$64.7M-67.9%	$201.7M+362.2%	-$76.9M
Dividends Paid	N/A	N/A	N/A	N/A	$0	$0-100.0%	$3.7M	$0
Share Buybacks	N/A	$20.0M	$0-100.0%	$16.4M-61.8%	$42.9M+27242.0%	$157K	$0	$0

Metric	Q2'2610-Q	Q1'2610-Q	Q4'2510-Q	Q3'2510-Q	Q2'2510-Q	Q1'2510-Q	Q4'2410-K	Q3'2410-Q
Operating Cash Flow	-$260.5M-2814.3%	$303.9M+4666.5%	$12.1M+5.4%	$11.8M+14.6%	$9.6M+490.4%	$6.4M-63.8%	$11.5M+45.4%	$10.3M+11.3%
Depreciation & Amortization	$2.2M+11.0%	$2.1M+11.6%	$2.0M+11.1%	$2.0M+9.5%	$1.9M+10.8%	$1.9M+14.3%	$1.8M+18.0%	$1.8M+11.4%
Stock-Based Compensation	N/A	$519K+7.9%	N/A	N/A	N/A	$481K+9.1%	N/A	N/A
Capital Expenditures	$2.3M+22.5%	$1.5M+0.9%	$3.1M-1.9%	$1.5M-18.1%	$1.9M+5.9%	$1.5M+16.7%	$3.1M+72.5%	$1.9M-6.1%
Free Cash Flow	-$262.9M-3522.2%	$302.4M+6130.7%	$9.0M+8.2%	$10.3M+21.9%	$7.7M+279.9%	$4.9M-70.3%	$8.3M+37.3%	$8.4M+16.1%
Investing Cash Flow	$351.6M+2715.7%	-$26.6M+67.2%	-$11.4M+66.0%	-$50.0M-118.9%	-$13.4M+39.4%	-$81.1M-891.5%	-$33.6M+34.7%	-$22.8M+71.1%
Financing Cash Flow	-$42.8M-390.2%	-$154.1M-574.2%	-$2.4M-105.0%	$45.2M-18.9%	$14.7M+167.9%	$32.5M+26.5%	$48.4M+13.0%	$55.8M-22.5%
Share Buybacks	N/A	N/A	$6.0M	$4.9M	N/A	N/A	$0	$0-100.0%

Not reported in any period shown, so not listed: Dividends Paid.

CARE Financial Ratios

Margins and returns are percentages; the remaining ratios are unitless multiples. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.

CARE quarterly financial ratios

Metric	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K
Net Margin	20.5%+2.4pp	18.1%+1.4pp	16.6%-14.4pp	31.0%+8.4pp	22.6%+57.4pp	-34.8%-55.4pp	20.6%
Return on Equity	7.5%+1.1pp	6.4%-0.3pp	6.7%-8.6pp	15.3%+7.5pp	7.8%+18.2pp	-10.4%-16.0pp	5.6%
Return on Assets	0.7%+0.1pp	0.5%0.0pp	0.5%-0.7pp	1.2%+0.4pp	0.8%+1.9pp	-1.1%	N/A
Debt-to-Equity	10.56-0.6x	11.12-0.7x	11.85+0.1x	11.79+2.7x	9.14+0.6x	8.49	N/A
Asset Turnover	0.030.0x	0.030.0x	0.030.0x	0.040.0x	0.030.0x	0.03	N/A
FCF Margin	20.8%-0.5pp	21.2%-5.1pp	26.3%-13.9pp	40.2%-9.1pp	49.3%+51.1pp	-1.8%-24.9pp	23.1%

Metric	Q2'2610-Q	Q1'2610-Q	Q4'2510-Q	Q3'2510-Q	Q2'2510-Q	Q1'2510-Q	Q4'2410-K	Q3'2410-Q
Net Margin	42.1%+19.3pp	80.2%+56.0pp	21.3%-2.7pp	13.9%-2.6pp	22.8%+8.6pp	24.2%+6.8pp	24.0%+30.1pp	16.4%+5.4pp
Return on Equity	5.4%+3.3pp	17.0%+14.8pp	2.0%-0.1pp	1.3%-0.1pp	2.1%+0.8pp	2.2%+0.6pp	2.1%+2.7pp	1.5%+0.4pp
Return on Assets	0.6%+0.4pp	1.8%+1.6pp	0.2%0.0pp	0.1%0.0pp	0.2%+0.1pp	0.2%+0.1pp	0.2%+0.2pp	0.1%0.0pp
Debt-to-Equity	7.91-2.9x	8.51-2.2x	10.56-0.6x	10.72-0.2x	10.79-0.6x	10.70-1.0x	11.12-0.7x	10.93-1.5x
Asset Turnover	0.010.0x	0.020.0x	0.010.0x	0.010.0x	0.010.0x	0.010.0x	0.010.0x	0.010.0x
FCF Margin	-382.8%	282.8%	22.6%-1.5pp	26.3%+1.7pp	20.6%+33.3pp	13.1%-35.7pp	24.1%+4.3pp	24.6%+2.4pp

Not reported in any period shown, so not listed: Gross Margin, Operating Margin, Current Ratio.

Reported as filed but not readable as a share of revenue in the periods where the ratio runs further from zero than a revenue base allows; no change figure is given where either compared period is one of those: FCF Margin.

Similar Companies

Newest fiscal year on record for each company. The health score is the peer-relative Financial Health Score for that year; a dash means no score is published for it.

Company	Fiscal year	Revenue	Net income	Net margin	Market cap	Health score
Carter Bankshares, Inc. CARE	FY2025	$153.2M	$31.4M	20.5%	$723.4M	37/100
Arrow Financial Corp AROW	FY2025	$139.5M	$44.0M	31.5%	$725.2M	29/100
Red River Bancshares, Inc. RRBI	FY2025	$125.5M	$42.8M	34.1%	$681.3M	55/100
Home Bancorp, Inc. HBCP	FY2025	$148.7M	$46.1M	31.0%	$544.8M	52/100
Northfield Bancorp, Inc. NFBK	FY2025	$154.3M	$796K	0.5%	$639.4M	29/100
ACNB Corp ACNB	FY2025	$191.8M	$37.1M	19.3%	$663.0M	67/100

Where Carter Bankshares, Inc. Ranks

Frequently Asked Questions

What is Carter Bankshares, Inc.'s annual revenue?

Carter Bankshares, Inc. (CARE) reported $153.2M in total revenue for fiscal year 2025. This represents a 12.8% change compared to the previous fiscal year. Revenue measures the total income earned from the company's primary business operations before any expenses are deducted.

How fast is Carter Bankshares, Inc.'s revenue growing?

Carter Bankshares, Inc. (CARE) revenue grew by 12.8% year-over-year, from $135.8M to $153.2M in fiscal year 2025.

Is Carter Bankshares, Inc. profitable?

Yes, Carter Bankshares, Inc. (CARE) reported a net income of $31.4M in fiscal year 2025, with a net profit margin of 20.5%.

What is Carter Bankshares, Inc.'s net profit margin?

Carter Bankshares, Inc. (CARE) had a net profit margin of 20.5% in fiscal year 2025, representing the share of revenue converted into profit after all expenses.

What is Carter Bankshares, Inc.'s return on equity (ROE)?

Carter Bankshares, Inc. (CARE) has a return on equity of 7.5% for fiscal year 2025, measuring how efficiently the company generates profit from shareholder equity.

What is Carter Bankshares, Inc.'s free cash flow?

Carter Bankshares, Inc. (CARE) generated $31.8M in free cash flow during fiscal year 2025. This represents a 10.4% change compared to the previous fiscal year. Free cash flow represents the cash a company generates after accounting for capital expenditures, and is widely used to assess financial flexibility and shareholder value.

What is Carter Bankshares, Inc.'s operating cash flow?

Carter Bankshares, Inc. (CARE) generated $39.9M in operating cash flow during fiscal year 2025, representing cash generated from core business activities.

What are Carter Bankshares, Inc.'s total assets?

Carter Bankshares, Inc. (CARE) had $4.9B in total assets as of fiscal year 2025, including both current and long-term assets.

What are Carter Bankshares, Inc.'s capital expenditures?

Carter Bankshares, Inc. (CARE) invested $8.1M in capital expenditures during fiscal year 2025, funding long-term assets and infrastructure.

Does Carter Bankshares, Inc. buy back shares?

Yes, Carter Bankshares, Inc. (CARE) spent $20.0M on share buybacks during fiscal year 2025, returning capital to shareholders by reducing shares outstanding.

How many shares does Carter Bankshares, Inc. have outstanding?

Carter Bankshares, Inc. (CARE) had 22M shares outstanding as of fiscal year 2025.

What is Carter Bankshares, Inc.'s debt-to-equity ratio?

Carter Bankshares, Inc. (CARE) had a debt-to-equity ratio of 10.56 as of fiscal year 2025, measuring the company's financial leverage by comparing total debt to shareholder equity.

What is Carter Bankshares, Inc.'s return on assets (ROA)?

Carter Bankshares, Inc. (CARE) had a return on assets of 0.7% for fiscal year 2025, measuring how efficiently the company uses its assets to generate profit.

What is Carter Bankshares, Inc.'s P/E ratio?

Carter Bankshares, Inc. (CARE) trades at 5.6x earnings, its market capitalization divided by net income of $128.6M net income, trailing 12 months to June 30, 2026. The market capitalization is $723.4M as of Sep 12, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.

What is Carter Bankshares, Inc.'s price-to-sales ratio?

Carter Bankshares, Inc. (CARE) trades at 2.8x sales, its market capitalization divided by revenue of $254.5M revenue, trailing 12 months to June 30, 2026. The market capitalization is $723.4M as of Sep 12, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.

What is Carter Bankshares, Inc.'s Piotroski F-Score?

Carter Bankshares, Inc. (CARE) has a Piotroski F-Score of 6 out of 6 computable signals; 3 of the nine could not be computed from available data, so the full-scale strength rating is not shown. The F-Score evaluates nine binary signals across profitability (positive ROA, positive cash flow, improving ROA, earnings quality), leverage (decreasing debt, improving liquidity, no share dilution), and operating efficiency (improving gross margin, improving asset turnover). Scores of 7 to 9 indicate strong and improving fundamentals. Learn more in our complete guide to financial health indicators.

Are Carter Bankshares, Inc.'s earnings high quality?

Carter Bankshares, Inc. (CARE) has an earnings quality ratio of 1.27x, considered cash-backed (high quality). This ratio compares operating cash flow to net income. A ratio above 1.0x means the company generates more cash than its reported earnings, indicating sustainable, cash-backed profits. Ratios below 1.0x suggest earnings rely on accounting accruals rather than actual cash generation. Learn more in our complete guide to financial health indicators.

How financially healthy is Carter Bankshares, Inc.?

Carter Bankshares, Inc. (CARE) scores 37 out of 100 on our Financial Health Score, indicating weak standing within its banks peer group. The score is a 0-100 composite of six dimensions (Earnings, Growth, Capital, Efficiency, Credit Quality, Stability), each ranked as a percentile relative to companies in the same scoring family (banks against banks, REITs against REITs, and so on) rather than across all industries. It rates the quality of the business, not whether the stock is fairly priced, and is not financial advice. Learn more in our complete guide to financial health indicators.