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Carter Bankshares, Inc. (CARE)
Financial Services · Banks - Regional · NasdaqGS
Carter Bankshares, Inc. revenue & earnings — last 7 fiscal years
| Metric | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|
| Revenue | $12.78M | $17.99M | $17.49M | $158.90M | $137.71M | $132.40M | $149.03M |
| Gross profit | — | — | — | — | — | — | — |
| Net income | $26.57M | $-45.86M | $31.59M | $50.12M | $23.38M | $24.52M | $31.36M |
| Net margin | 207.9% | -254.9% | 180.7% | 31.5% | 17.0% | 18.5% | 21.0% |
Source: Carter Bankshares, Inc. SEC filings (10-K).
What growth is priced into CARE stock?
At today's market cap of $655.10M, Carter Bankshares, Inc. is priced for free-cash-flow growth of about 8.1% per year for 10 years (assuming a 10% discount rate and 2.5% terminal growth, base FCF $31.81M from the FY ending 2025-12-31). For comparison, revenue 52.6%/yr, computed from its SEC filings. This is a reverse DCF — a translation of the price into a growth assumption you can judge, not a fair value and not advice. Change the assumptions yourself in the interactive view →
Explore 7 years of Carter Bankshares, Inc. financials — interactive
Full income statement, balance sheet and cash flow with CAGR and trend on every row, 48 quarters, valuation ratios, plain-English health checks, and Ask — our SEC-grounded research assistant.
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Carter Bankshares, Inc. financial history by metric
About Carter Bankshares, Inc.
Carter Bankshares, Inc. operates as the bank holding company for Carter Bank & Trust that provides various retail and commercial banking products and insurance services in the United States. It offers various deposit products, including checking, savings, retirement, and money market accounts, as well as certificates of deposit. The company also provides commercial loans, such as secured and unsecured, real estate construction and acquisition, and commercial and industrial loans; consumer loans, such as automobiles, home improvements, education, overdraft protection, and personal, and residential mortgages loans; home equity lines of credit; and credit cards, as well as originates and holds fixed and variable rate mortgage loans. In addition, it offers other banking services that include safe deposit boxes, direct deposit of payroll, social security checks, and debit cards; online banking products, including online and mobile banking, online account opening, bill payment, electronic statement, mobile deposit, Zelle, credit monitoring tools, digital wallet, MoneyPass, and ATM services; title insurance and other financial institution-related products and services; and treasury and corporate cash management services. Carter Bankshares, Inc. was founded in 1974 and is headquartered in Martinsville, Virginia.
Carter Bankshares, Inc. — frequently asked questions
What is Carter Bankshares, Inc.'s revenue?
Carter Bankshares, Inc. (CARE) reported revenue of $149.03M for fiscal year 2025, up 12.6% from the prior year, according to its SEC filings.
Is Carter Bankshares, Inc. profitable?
Yes. CARE earned net income of $31.36M in fiscal 2025, a net margin of 21.0%.
What is CARE's P/E ratio?
Carter Bankshares, Inc. trades at a price-to-earnings ratio of about 6.1 based on the latest data in our nightly-refreshed cache.
How fast is Carter Bankshares, Inc. growing?
CARE's revenue grew at roughly 52.6% per year over the last five fiscal years (compound annual growth rate), computed from SEC-filed statements.
How much debt does Carter Bankshares, Inc. have?
As of fiscal year 2025, CARE carried roughly $178.50M in total debt (short- plus long-term borrowings), per its filed balance sheet.
What is Carter Bankshares, Inc.'s market cap?
Carter Bankshares, Inc. (CARE) has a market capitalization of about $655.10M, based on the latest data in our nightly-refreshed cache.
When does Carter Bankshares, Inc.'s fiscal year end?
CARE's fiscal year ends in December. Its most recent annual filing covers the fiscal year ending 2025-12-31.
What growth is priced into CARE stock?
At today's market cap of $655.10M, Carter Bankshares, Inc. is priced for free-cash-flow growth of about 8.1% per year for 10 years (assuming a 10% discount rate and 2.5% terminal growth, base FCF $31.81M from the FY ending 2025-12-31). For comparison, revenue 52.6%/yr, computed from its SEC filings.
Where does this data come from?
All figures are computed from Carter Bankshares, Inc.'s official SEC filings (10-K and 10-Q), covering 7 years of history, refreshed nightly. stockportfolio.pro does not provide investment advice.