CARTER BANKSHARES INC (CARE) Stock Fundamental Analysis

NASDAQ:CARE • US1461031064

21.09 USD
-0.81 (-3.7%)
At close: Feb 23, 2026
21.09 USD
0 (0%)
After Hours: 2/23/2026, 8:00:03 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership News
Fundamental Rating

4

CARE gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 379 industry peers in the Banks industry. While CARE seems to be doing ok healthwise, there are quite some concerns on its profitability. CARE has a correct valuation and a medium growth rate.


Dividend Valuation Growth Profitability Health

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.
  • CARE had positive earnings in 4 of the past 5 years.
  • Of the past 5 years CARE 4 years had a positive operating cash flow.
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 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 20M -20M 40M -40M 60M

1.2 Ratios

  • CARE has a worse Return On Assets (0.64%) than 70.71% of its industry peers.
  • Looking at the Return On Equity, with a value of 7.47%, CARE is doing worse than 63.06% of the companies in the same industry.
Industry RankSector Rank
ROA 0.64%
ROE 7.47%
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 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 5 -5 10 -10 15

1.3 Margins

  • CARE has a worse Profit Margin (20.84%) than 64.91% of its industry peers.
  • CARE's Profit Margin has declined in the last couple of years.
  • 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) 20.84%
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 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 20 -20

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ROAROEROICOperating and Profit MarginShow most profitable peers

4

2. Health

2.1 Basic Checks

  • CARE does not have a ROIC to compare to the WACC, probably because it is not profitable.
  • 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.
CARE Yearly Shares OutstandingCARE Yearly Shares OutstandingYearly Shares Outstanding 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 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
WACC17.87%
CARE Yearly LT Debt VS Equity VS FCFCARE Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 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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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

5

3. Growth

3.1 Past

  • The Earnings Per Share has grown by an impressive 38.68% over the past year.
  • The Earnings Per Share has been growing by 19.23% on average over the past years. This is quite good.
EPS 1Y (TTM)38.68%
EPS 3Y-9.6%
EPS 5Y19.23%
EPS Q2Q%13.89%
Revenue 1Y (TTM)N/A
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%21.93%

3.2 Future

  • The Earnings Per Share is expected to grow by 25.67% on average over the next years. This is a very strong growth
  • Based on estimates for the next years, CARE will show a quite strong growth in Revenue. The Revenue will grow by 11.18% on average per year.
EPS Next Y70.92%
EPS Next 2Y33.19%
EPS Next 3Y25.67%
EPS Next 5YN/A
Revenue Next Year12.66%
Revenue Next 2Y11.18%
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

  • When comparing the EPS 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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 50M 100M 150M
CARE Yearly EPS VS EstimatesCARE Yearly EPS VS EstimatesYearly EPS VS Estimates 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 0 1 -1 2

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Find the best growth stocksShow best growing peers

5

4. Valuation

4.1 Price/Earnings Ratio

  • A Price/Earnings ratio of 14.35 indicates a correct valuation of CARE.
  • CARE's Price/Earnings ratio is a bit more expensive when compared to the industry. CARE is more expensive than 67.28% of the companies in the same industry.
  • When comparing the Price/Earnings ratio of CARE to the average of the S&P500 Index (26.64), we can say CARE is valued slightly cheaper.
  • CARE is valuated reasonably with a Price/Forward Earnings ratio of 8.39.
  • CARE's Price/Forward Earnings ratio is rather cheap when compared to the industry. CARE is cheaper than 87.60% of the companies in the same industry.
  • Compared to an average S&P500 Price/Forward Earnings ratio of 27.75, CARE is valued rather cheaply.
Industry RankSector Rank
PE 14.35
Fwd PE 8.39
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 ratio is a bit more expensive when compared to the industry. CARE is more expensive than 61.48% of the companies in the same industry.
Industry RankSector Rank
P/FCF 14.96
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

  • The 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 25.67% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.2
PEG (5Y)0.75
EPS Next 2Y33.19%
EPS Next 3Y25.67%

More info and screens

Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

0

5. Dividend

5.1 Amount

  • No dividends for CARE!.
Industry RankSector Rank
Dividend Yield 0%

More info and screens

Find the best dividend stocksShow peers with best dividend

CARTER BANKSHARES INC

NASDAQ:CARE (2/23/2026, 8:00:03 PM)

After market: 21.09 0 (0%)

21.09

-0.81 (-3.7%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-29
Earnings (Next)04-22
Inst Owners53.77%
Inst Owner Change0.7%
Ins Owners2.09%
Ins Owner Change-0.01%
Market Cap465.67M
Revenue(TTM)N/A
Net Income(TTM)30.82M
Analysts84
Price Target23.63 (12.04%)
Short Float %4.36%
Short Ratio8.25
Dividend
Industry RankSector Rank
Dividend Yield 0%
Yearly DividendN/A
Dividend Growth(5Y)N/A
DP0%
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)-7.01%
Min EPS beat(2)-38.33%
Max EPS beat(2)24.32%
EPS beat(4)3
Avg EPS beat(4)16.25%
Min EPS beat(4)-38.33%
Max EPS beat(4)44.06%
EPS beat(8)5
Avg EPS beat(8)7.54%
EPS beat(12)7
Avg EPS beat(12)-1.03%
EPS beat(16)10
Avg EPS beat(16)-0.92%
Revenue beat(2)1
Avg Revenue beat(2)-2.73%
Min Revenue beat(2)-10.32%
Max Revenue beat(2)4.86%
Revenue beat(4)2
Avg Revenue beat(4)-0.09%
Min Revenue beat(4)-10.32%
Max Revenue beat(4)10.04%
Revenue beat(8)3
Avg Revenue beat(8)-2.18%
Revenue beat(12)5
Avg Revenue beat(12)-3.76%
Revenue beat(16)7
Avg Revenue beat(16)-2.56%
PT rev (1m)1.28%
PT rev (3m)1.46%
EPS NQ rev (1m)0%
EPS NQ rev (3m)1.45%
EPS NY rev (1m)0%
EPS NY rev (3m)2.65%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0.57%
Valuation
Industry RankSector Rank
PE 14.35
Fwd PE 8.39
P/S 3.15
P/FCF 14.96
P/OCF 11.87
P/B 1.13
P/tB 1.13
EV/EBITDA N/A
EPS(TTM)1.47
EY6.97%
EPS(NY)2.51
Fwd EY11.91%
FCF(TTM)1.41
FCFY6.68%
OCF(TTM)1.78
OCFY8.43%
SpS6.7
BVpS18.7
TBVpS18.6
PEG (NY)0.2
PEG (5Y)0.75
Graham Number24.87
Profitability
Industry RankSector Rank
ROA 0.64%
ROE 7.47%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 20.84%
GM N/A
FCFM 21.04%
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
ROICexgc growth 3YN/A
ROICexgc 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 106.04%
Cap/Sales 5.49%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 100.99%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score9
WACC17.87%
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)38.68%
EPS 3Y-9.6%
EPS 5Y19.23%
EPS Q2Q%13.89%
EPS Next Y70.92%
EPS Next 2Y33.19%
EPS Next 3Y25.67%
EPS Next 5YN/A
Revenue 1Y (TTM)N/A
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%21.93%
Revenue Next Year12.66%
Revenue Next 2Y11.18%
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-40.45%
FCF growth 3Y-25.28%
FCF growth 5Y-0.7%
OCF growth 1Y-36.66%
OCF growth 3Y-21.9%
OCF growth 5Y-0.72%

CARTER BANKSHARES INC / CARE FAQ

What is the fundamental rating for CARE stock?

ChartMill assigns a fundamental rating of 4 / 10 to CARE.


Can you provide the valuation status for CARTER BANKSHARES INC?

ChartMill assigns a valuation rating of 5 / 10 to CARTER BANKSHARES INC (CARE). This can be considered as Fairly Valued.


How profitable is CARTER BANKSHARES INC (CARE) stock?

CARTER BANKSHARES INC (CARE) has a profitability rating of 2 / 10.


What is the financial health of CARTER BANKSHARES INC (CARE) stock?

The financial health rating of CARTER BANKSHARES INC (CARE) is 4 / 10.


What is the expected EPS growth for CARTER BANKSHARES INC (CARE) stock?

The Earnings per Share (EPS) of CARTER BANKSHARES INC (CARE) is expected to grow by 70.92% in the next year.