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Buy Day today: Poor Neutral (49) Good Mixed market breadth · no major macro event

Carter Bank and Trust (CARE)

Financial Services Banks - Regional
33.00 $
Closing price · As of: 20. Jul 2026
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Basics

Market Cap
0.7Mrd. $
Shares Outstanding
22Mio.
Float
89.1%
Beta
0.5

Performance

Perf. 1M
23.50%
Perf. 3M
46.20%
Perf. 6M
68.40%
YTD Performance (%)
65.10%
52-Week-High Distance
-1.1%

Valuation

P/E
Forward P/E
12.9
PEG
P/B
P/S
2.3
EV/EBITDA
0.0
Price/FCF
2.2

Profitability

Gross Margin
100.0%
EBIT Margin
Net Margin
41.8%
Return on Equity
23.9%
Return on Assets
2.3%

Balance Sheet & Safety

Equity Ratio
Debt/Equity
Altman Z
-1.86
Piotroski
7 von 9

Growth

Sales Growth Last Quarter
260.00%
EPS Growth Last Quarter
Sales Growth (Year)
6.24%
Forward Sales Growth
-21.80%
Forward EPS Growth
-53.00%

Dividend

Dividend Yield
1.21%
Dividend Per Share (TTM)
0.10$
Payout Ratio
6.8%
Years Without a Cut
0Years
Increase Streak
0Years

Quality & Screener

Stage
2
RS Rating
89
Top 10%
EPS Rating
96
Piotroski
7 von 9
Fundamental Rating
B (+24 von 100)
Altman Z
-1.86

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.

Sales Per Quarter ($M)
2024: Q4 · 60.9 Mio. $ Q4 2025: Q1 · 61.9 Mio. $ Q1 2025: Q2 · 61.7 Mio. $ Q2 2025: Q3 · 63.6 Mio. $ Q3 2025: Q4 · 64.5 Mio. $ Q4 2026: Q1 · 130.2 Mio. $ Q1
Earnings Per Share Per Quarter ($)
2024: Q4 · 0.36 $ Q4 2025: Q1 · 0.39 $ Q1 2025: Q2 · 0.37 $ Q2 2025: Q3 · 0.24 $ Q3 2025: Q4 · 0.39 $ Q4 2026: Q1 · 3.93 $ Q1
Net Margin Per Quarter (%)
2024: Q4 · 13.6 % Q4 2025: Q1 · 14.5 % Q1 2025: Q2 · 13.8 % Q2 2025: Q3 · 8.5 % Q3 2025: Q4 · 13.1 % Q4 2026: Q1 · 65.9 % Q1
Operating Cash Flow Per Quarter ($M)
2024: Q4 · 11.5 Mio. $ Q4 2025: Q1 · 6.4 Mio. $ Q1 2025: Q2 · 9.6 Mio. $ Q2 2025: Q3 · 11.8 Mio. $ Q3 2025: Q4 · 12.1 Mio. $ Q4 2026: Q1 · 303.9 Mio. $ Q1
Free Cash Flow Per Quarter ($M)
2024: Q4 · 8.3 Mio. $ Q4 2025: Q1 · 4.9 Mio. $ Q1 2025: Q2 · 7.7 Mio. $ Q2 2025: Q3 · 10.3 Mio. $ Q3 2025: Q4 · 7.1 Mio. $ Q4 2026: Q1 · 302.4 Mio. $ Q1
Sales Growth vs. Year-Ago Quarter (%)
2024: Q4 · 14.5 % Q4 2025: Q1 · 6.1 % Q1 2025: Q2 · 4.0 % Q2 2025: Q3 · 4.0 % Q3 2025: Q4 · 5.9 % Q4 2026: Q1 · 110.2 % Q1
EPS Growth vs. Year-Ago Quarter (%)
2025: Q1 · 53.4 % Q1 2025: Q2 · 77.3 % Q2 2025: Q3 · -0.4 % Q3 2025: Q4 · 8.9 % Q4 2026: Q1 · 902.9 % Q1
Price Change in Quarter (%)
2024: Q4 · 1.1 % Q4 2025: Q1 · -8.0 % Q1 2025: Q2 · 7.2 % Q2 2025: Q3 · 11.9 % Q3 2025: Q4 · 1.3 % Q4 2026: Q1 · 18.6 % Q1

Quarterly Figures

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
What Do These Terms Mean?
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.

Employees687
HeadquartersMartinsville, VA
Websitecarterbank.com
IPO Date27. Aug 2012
Next Earnings23. Jul 2026

Management

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.

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