Carter Bankshares, Inc. (CARE)
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No price history available.
Key financial summary
Financials in USD| 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM | 2026E | ||
|---|---|---|---|---|---|---|---|---|---|
| Total net revenue | $m | 128 | 134 | 159 | 138 | 132 | 153 | 254 | - |
| Operating profit | $m | 40 | 166 | ||||||
| Net profit | $m | -46 | 32 | 50 | 23 | 25 | 31 | 129 | 136 |
| EPS reported | $ | 1.40 | 5.88 | ||||||
| Operating cashflow per share | $ | 1.78 | 3.08 | ||||||
| Capex per share | $ | 0.36 | 0.39 | ||||||
| FCF per share | $ | 1.42 | 2.69 | ||||||
| Free cash flow | $m | 32 | 59 | ||||||
| Net debt | $m | -310 | -681 | ||||||
| Book value equity | $m | 420 | 539 | ||||||
| Book value per share | $ | 18.69 | 24.69 | ||||||
| Number of shares | m | 22.46 | 21.84 | ||||||
| DPS (TTM paid) | $ | 0.10 | 0.20 |
Financial summary
Financials in USD| 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM | 2026E | ||
|---|---|---|---|---|---|---|---|---|---|
| Value | |||||||||
| P/E TTM | x | 14.04 | 5.15 | ||||||
| P/B LTM | x | 1.05 | 0.82 | ||||||
| P/S LTM | x | 2.88 | 1.74 | ||||||
| P/FCF LTM | x | 13.88 | 7.51 | ||||||
| EV/EBITDA LTM | x | 10.76 | 2.96 | ||||||
| EV/Sales LTM | x | 2.02 | 1.92 | ||||||
| Earnings Yield LTM | % | +7.12% | +19.42% | ||||||
| FCF Yield | % | +7.20% | +13.31% | ||||||
| Quality | |||||||||
| ROE | % | +7.47% | +27.40% | ||||||
| ROIC | % | +4.89% | +21.27% | ||||||
| Operating margin | % | +15.71% | +47.49% | ||||||
| Gross margin | % | +61.68% | +81.86% | ||||||
| FCF/Sales | % | +12.49% | +16.86% | ||||||
| Growth and momentum | |||||||||
| EPS Growth YoY | % | +32.08% | +454.72% | ||||||
| Sales Growth YoY | % | +15.73% | +91.50% | ||||||
| Net Income Growth YoY | % | +27.89% | +424.27% | ||||||
| FCF Growth | % | +10.42% | +103.98% | ||||||
| Operating Profit Growth | % | +29.58% | +436.16% | ||||||
| Dividend and capital structure | |||||||||
| Dividend Yield | % | 0.00% | +0.63% | ||||||
| Dividend Growth | % | - | - | ||||||
| Payout Ratio | % | 0.00% | +1.72% | ||||||
| FCF/Debt | x | 0.18 | - | ||||||
| Net Debt/EBITDA | x | 1.53 | -0.24 | ||||||
| EBIT/Net interest | x | 0.39 | 1.74 | ||||||
| Net debt/market cap | % | +40.43% | 0.00% | ||||||
| Net debt/Equity | x | -0.74 | -1.26 | ||||||
| Gross debt/equity | x | 0.43 | 0.00 | ||||||
Price target estimates
Based on consensus from external analysts. Not Kvantra's opinion.
Ratings
Based on consensus from external analysts. Not Kvantra's opinion.
ESG
| Metric | 2024 | 2025 | 2026 |
|---|---|---|---|
| ESG-score | |||
| Environmental score | |||
| Social score | |||
| Governance score | |||
| Risk rating |
Company overview
Carter Bankshares, Inc. functions as the parent company for Carter Bank & Trust, delivering a comprehensive suite of banking solutions. It provides a variety of deposit accounts, including checking, savings, retirement, money market, and longer-term certificates of deposit. The institution also offers diverse loan products, such as secured and unsecured commercial loans, alongside consumer loans for purposes like auto financing, home improvements, education, overdraft protection, and personal investments. Additionally, it originates and holds residential mortgages (both fixed and variable rate), real estate construction and acquisition loans, home equity lines of credit, and credit cards. Beyond lending and deposits, Carter Bank & Trust furnishes other banking conveniences including safe deposit boxes, direct deposit services, extensive online and mobile banking capabilities (featuring bill pay, online account opening, and mobile deposit), debit cards, e-statements, and ATM access. The company further provides title insurance, various financial institution-related products, and treasury and corporate cash management services. Founded in 1974 and based in Martinsville, Virginia, Carter Bankshares, Inc. operates 69 branch locations spanning Virginia and North Carolina.
Similar companies
For informational purposes only. Kvantra provides data and quantitative analysis, not investment advice. KvantraRank is a mechanical model output. Analyst price targets and ratings are sourced from third parties and are not Kvantra recommendations. Past performance does not guarantee future results; all investments carry risk.
Carter Bankshares, Inc. (CARE)
No price history available.
Consensus from external analysts. Not Kvantra's opinion.
Based on consensus from external analysts. Not Kvantra's opinion.
Carter Bankshares, Inc. functions as the parent company for Carter Bank & Trust, delivering a comprehensive suite of banking solutions. It provides a variety of deposit accounts, including checking, savings, retirement, money market, and longer-term certificates of deposit. The institution also offers diverse loan products, such as secured and unsecured commercial loans, alongside consumer loans for purposes like auto financing, home improvements, education, overdraft protection, and personal investments. Additionally, it originates and holds residential mortgages (both fixed and variable rate), real estate construction and acquisition loans, home equity lines of credit, and credit cards. Beyond lending and deposits, Carter Bank & Trust furnishes other banking conveniences including safe deposit boxes, direct deposit services, extensive online and mobile banking capabilities (featuring bill pay, online account opening, and mobile deposit), debit cards, e-statements, and ATM access. The company further provides title insurance, various financial institution-related products, and treasury and corporate cash management services. Founded in 1974 and based in Martinsville, Virginia, Carter Bankshares, Inc. operates 69 branch locations spanning Virginia and North Carolina.
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