Carter Bank and Trust (CARE)
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Basics
Performance
Valuation
Profitability
Balance Sheet & Safety
Growth
Dividend
Quality & Screener
AI Rating
–Not yet rated — we only show a category once an SEC-backed file with at least two cited passages is available. How the Rating Is Built
Highlighted are things our editorial team noticed: green = stands out as strong, red = deserves a closer look. No single metric is a verdict on its own — always read it in context.
Quarterly Figures
| Quarter | EPS (Earnings Per Share) | EPS YoY (%) | Sales ($M) | Sales YoY (%) | Net Margin (%) | OCF ($M) | FCF ($M) |
|---|---|---|---|---|---|---|---|
| 2024: Q4 | 0.36 | – | 61 | 14.50 | 13.60 | 12 | 8 |
| 2025: Q1 | 0.39 | 53.40 | 62 | 6.10 | 14.50 | 6 | 5 |
| 2025: Q2 | 0.37 | 77.30 | 62 | 4.00 | 13.80 | 10 | 8 |
| 2025: Q3 | 0.24 | -0.40 | 64 | 4.00 | 8.50 | 12 | 10 |
| 2025: Q4 | 0.39 | 8.90 | 65 | 5.90 | 13.10 | 12 | 7 |
| 2026: Q1 | 3.93 | 902.90 | 130 | 110.20 | 65.90 | 304 | 302 |
- EPS (Earnings Per Share):
- Quarterly profit divided by the total share count — how much of the profit works out to a single share.
- YoY (Year over Year):
- Change versus the same quarter a year ago — this is how you compare without seasonal distortion (e.g. the holiday shopping season).
- Sales:
- All revenue for the quarter, before any costs are deducted — the top line of the income statement.
- Net Margin:
- What percentage of sales is left over as profit in the end. Negative means the company is posting a loss.
- OCF (Operating Cash Flow):
- The cash that actually flows into the till from the core business during the quarter — harder to dress up than book profit.
- FCF (Free Cash Flow):
- Operating cash flow minus capital expenditures — the money that's genuinely free to use, say for paying down debt, buybacks, or dividends.
About the Company
Carter Bankshares, Inc. ist die Bankholding der Carter Bank & Trust, die verschiedene Privat- und Geschäftskundenbankprodukte sowie Versicherungsdienstleistungen in den USA anbietet.
| Employees | 687 |
|---|---|
| Headquarters | Martinsville, VA |
| Website | carterbank.com |
| IPO Date | 27. Aug 2012 |
| Next Earnings | 23. Jul 2026 |
Management
| Name | Title | Birth Year |
|---|---|---|
| Litz H. Van Dyke | CEO & Director | 1964 |
| Phyllis Q. Karavatakis | Vice Chairman | 1956 |
| Wendy S. Bell | Senior EVP & Chief Financial Officer | 1964 |
| Kimberly Dempsey Schaufenbuel | Executive VP & Chief Human Resources Officer | – |
| A. Loran Adams | Executive VP & Director of Regulatory Risk Management | 1962 |
| Jayson Philbeck | Senior Vice President of Commercial Banking | – |
| Brad Wilson | Senior VP & Commercial Market Executive | – |
| Joyce A. Parker | Secretary | – |
| Misty Powell | Assistant Vice President | – |
| Bill Hubble | Vice President and Managing Officer of Blacksburg Office | – |
Executives per the latest required filings; titles kept in their original language. Source: fundamental data.
Chart
Interactive price chart (TradingView).
Data as of: July 20, 2026 · Source: fundamental data & SEC filings (annual and quarterly reports, 10-K/10-Q)
Note: pure fact-based analysis, not investment advice and not a solicitation to buy or sell. All figures without guarantee.