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CARTER BANKSHARES INC (CARE) Stock Fundamental Analysis

USA - NASDAQ:CARE - US1461031064 - Common Stock

19.01 USD
-0.01 (-0.05%)
Last: 10/21/2025, 8:02:04 PM
19.01 USD
0 (0%)
After Hours: 10/21/2025, 8:02:04 PM
Fundamental Rating

4

CARE gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 391 industry peers in the Banks industry. While CARE seems to be doing ok healthwise, there are quite some concerns on its profitability. CARE is showing excellent growth while it is valued at reasonable prices. Keep and eye on this one!


Dividend Valuation Growth Profitability Health

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2

1. Profitability

1.1 Basic Checks

In the past year CARE was profitable.
CARE had a positive operating cash flow in the past year.
Of the past 5 years CARE 4 years were profitable.
CARE had a positive operating cash flow in each of the past 5 years.
CARE Yearly Net Income VS EBIT VS OCF VS FCFCARE Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 20M -20M 40M -40M 60M

1.2 Ratios

CARE's Return On Assets of 0.65% is on the low side compared to the rest of the industry. CARE is outperformed by 65.98% of its industry peers.
CARE has a Return On Equity (7.65%) which is in line with its industry peers.
Industry RankSector Rank
ROA 0.65%
ROE 7.65%
ROIC N/A
ROA(3y)0.74%
ROA(5y)0.38%
ROE(3y)9.36%
ROE(5y)5.07%
ROIC(3y)N/A
ROIC(5y)N/A
CARE Yearly ROA, ROE, ROICCARE Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 5 -5 10 -10 15

1.3 Margins

With a Profit Margin value of 21.70%, CARE perfoms like the industry average, outperforming 42.20% of the companies in the same industry.
In the last couple of years the Profit Margin of CARE has declined.
CARE does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
Industry RankSector Rank
OM N/A
PM (TTM) 21.7%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-7.37%
PM growth 5Y-2.72%
GM growth 3YN/A
GM growth 5YN/A
CARE Yearly Profit, Operating, Gross MarginsCARE Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 20 -20

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4

2. Health

2.1 Basic Checks

CARE does not have a ROIC to compare to the WACC, probably because it is not profitable.
The number of shares outstanding for CARE has been increased compared to 1 year ago.
CARE has less shares outstanding than it did 5 years ago.
CARE has a worse debt/assets ratio than last year.
CARE Yearly Shares OutstandingCARE Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 5M 10M 15M 20M 25M
CARE Yearly Total Debt VS Total AssetsCARE Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 1B 2B 3B 4B

2.2 Solvency

There is no outstanding debt for CARE. This means it has a Debt/Equity and Debt/FCF ratio of 0 and it is amongst the best of the sector and industry.
Industry RankSector Rank
Debt/Equity 0
Debt/FCF 0
Altman-Z N/A
ROIC/WACCN/A
WACC18.55%
CARE Yearly LT Debt VS Equity VS FCFCARE Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 100M 200M 300M 400M

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
CARE Yearly Current Assets VS Current LiabilitesCARE Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2020 2021 2022 2023 2024 5M 10M 15M 20M

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7

3. Growth

3.1 Past

The Earnings Per Share has grown by an impressive 159.26% over the past year.
Measured over the past 5 years, CARE shows a small growth in Earnings Per Share. The EPS has been growing by 0.77% on average per year.
The Revenue has grown by 9.68% in the past year. This is quite good.
Measured over the past years, CARE shows a small growth in Revenue. The Revenue has been growing by 1.01% on average per year.
EPS 1Y (TTM)159.26%
EPS 3Y-4.05%
EPS 5Y0.77%
EPS Q2Q%95.24%
Revenue 1Y (TTM)9.68%
Revenue growth 3Y-1.03%
Revenue growth 5Y1.01%
Sales Q2Q%19.66%

3.2 Future

The Earnings Per Share is expected to grow by 26.01% on average over the next years. This is a very strong growth
CARE is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 13.19% yearly.
EPS Next Y89.25%
EPS Next 2Y26.01%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year12.26%
Revenue Next 2Y13.19%
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

The EPS growth rate is accelerating: in the next years the growth will be better than in the last years.
When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
CARE Yearly Revenue VS EstimatesCARE Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 50M 100M 150M
CARE Yearly EPS VS EstimatesCARE Yearly EPS VS EstimatesYearly EPS VS Estimates 2019 2020 2021 2022 2023 2024 2025 2026 0 1 -1 2

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5

4. Valuation

4.1 Price/Earnings Ratio

With a Price/Earnings ratio of 13.58, CARE is valued correctly.
60.61% of the companies in the same industry are cheaper than CARE, based on the Price/Earnings ratio.
CARE's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 27.77.
Based on the Price/Forward Earnings ratio of 11.30, the valuation of CARE can be described as reasonable.
CARE's Price/Forward Earnings ratio is a bit more expensive when compared to the industry. CARE is more expensive than 62.40% of the companies in the same industry.
When comparing the Price/Forward Earnings ratio of CARE to the average of the S&P500 Index (23.23), we can say CARE is valued rather cheaply.
Industry RankSector Rank
PE 13.58
Fwd PE 11.3
CARE Price Earnings VS Forward Price EarningsCARE Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

CARE's Price/Free Cash Flow is on the same level as the industry average.
Industry RankSector Rank
P/FCF 14.72
EV/EBITDA N/A
CARE Per share dataCARE EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 5 10 15

4.3 Compensation for Growth

CARE's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
CARE's earnings are expected to grow with 26.01% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.15
PEG (5Y)17.58
EPS Next 2Y26.01%
EPS Next 3YN/A

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0

5. Dividend

5.1 Amount

CARE does not give a dividend.
Industry RankSector Rank
Dividend Yield N/A

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CARTER BANKSHARES INC

NASDAQ:CARE (10/21/2025, 8:02:04 PM)

After market: 19.01 0 (0%)

19.01

-0.01 (-0.05%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)07-24 2025-07-24/bmo
Earnings (Next)10-23 2025-10-23/bmo
Inst Owners51.13%
Inst Owner Change0.01%
Ins Owners2.05%
Ins Owner Change-1.3%
Market Cap430.96M
Analysts84.44
Price Target23.72 (24.78%)
Short Float %3.47%
Short Ratio10.13
Dividend
Industry RankSector Rank
Dividend Yield N/A
Yearly DividendN/A
Dividend Growth(5Y)N/A
DP0%
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)29.63%
Min EPS beat(2)24.32%
Max EPS beat(2)34.95%
EPS beat(4)4
Avg EPS beat(4)27.17%
Min EPS beat(4)5.36%
Max EPS beat(4)44.06%
EPS beat(8)5
Avg EPS beat(8)9.64%
EPS beat(12)8
Avg EPS beat(12)2.56%
EPS beat(16)11
Avg EPS beat(16)3.1%
Revenue beat(2)2
Avg Revenue beat(2)7.45%
Min Revenue beat(2)4.86%
Max Revenue beat(2)10.04%
Revenue beat(4)2
Avg Revenue beat(4)1.41%
Min Revenue beat(4)-4.95%
Max Revenue beat(4)10.04%
Revenue beat(8)3
Avg Revenue beat(8)-1.13%
Revenue beat(12)6
Avg Revenue beat(12)-2.48%
Revenue beat(16)8
Avg Revenue beat(16)-1.43%
PT rev (1m)0%
PT rev (3m)8.98%
EPS NQ rev (1m)0%
EPS NQ rev (3m)7.83%
EPS NY rev (1m)0%
EPS NY rev (3m)8.86%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0.33%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0.19%
Valuation
Industry RankSector Rank
PE 13.58
Fwd PE 11.3
P/S 3.01
P/FCF 14.72
P/OCF 11.42
P/B 1.06
P/tB 1.07
EV/EBITDA N/A
EPS(TTM)1.4
EY7.36%
EPS(NY)1.68
Fwd EY8.85%
FCF(TTM)1.29
FCFY6.79%
OCF(TTM)1.66
OCFY8.76%
SpS6.31
BVpS17.89
TBVpS17.79
PEG (NY)0.15
PEG (5Y)17.58
Profitability
Industry RankSector Rank
ROA 0.65%
ROE 7.65%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 21.7%
GM N/A
FCFM 20.47%
ROA(3y)0.74%
ROA(5y)0.38%
ROE(3y)9.36%
ROE(5y)5.07%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexcg growth 3YN/A
ROICexcg growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-7.37%
PM growth 5Y-2.72%
GM growth 3YN/A
GM growth 5YN/A
F-Score9
Asset Turnover0.03
Health
Industry RankSector Rank
Debt/Equity 0
Debt/FCF 0
Debt/EBITDA N/A
Cap/Depr 113.02%
Cap/Sales 5.91%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 94.33%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score9
WACC18.55%
ROIC/WACCN/A
Cap/Depr(3y)123.1%
Cap/Depr(5y)134.05%
Cap/Sales(3y)5.53%
Cap/Sales(5y)6.07%
Profit Quality(3y)136.09%
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)159.26%
EPS 3Y-4.05%
EPS 5Y0.77%
EPS Q2Q%95.24%
EPS Next Y89.25%
EPS Next 2Y26.01%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)9.68%
Revenue growth 3Y-1.03%
Revenue growth 5Y1.01%
Sales Q2Q%19.66%
Revenue Next Year12.26%
Revenue Next 2Y13.19%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-54.42%
FCF growth 3Y-25.28%
FCF growth 5Y-0.7%
OCF growth 1Y-48.71%
OCF growth 3Y-21.9%
OCF growth 5Y-0.72%