Carter Bankshares Statistics

Total Valuation

CARE has a market cap or net worth of $414.86 million. The enterprise value is $428.35 million.

Market Cap	414.86M
Enterprise Value	428.35M

Important Dates

The last earnings date was Thursday, July 24, 2025, before market open.

Earnings Date	Jul 24, 2025
Ex-Dividend Date	n/a

Share Statistics

CARE has 22.67 million shares outstanding. The number of shares has increased by 0.08% in one year.

Current Share Class	22.67M
Shares Outstanding	22.67M
Shares Change (YoY)	+0.08%
Shares Change (QoQ)	-0.30%
Owned by Insiders (%)	3.69%
Owned by Institutions (%)	50.28%
Float	21.83M

Valuation Ratios

The trailing PE ratio is 13.46 and the forward PE ratio is 6.50.

PE Ratio	13.46
Forward PE	6.50
PS Ratio	2.73
Forward PS	2.48
PB Ratio	1.02
P/TBV Ratio	1.03
P/FCF Ratio	14.17
P/OCF Ratio	10.99
PEG Ratio	n/a

Financial Ratio History

Enterprise Valuation

EV / Earnings	13.76
EV / Sales	2.80
EV / EBITDA	n/a
EV / EBIT	n/a
EV / FCF	14.63

Financial Position

Current Ratio	n/a
Quick Ratio	n/a
Debt / Equity	n/a
Debt / EBITDA	n/a
Debt / FCF	4.28
Interest Coverage	n/a

Financial Efficiency

Return on equity (ROE) is 8.15%.

Return on Equity (ROE)	8.15%
Return on Assets (ROA)	0.67%
Return on Invested Capital (ROIC)	n/a
Return on Capital Employed (ROCE)	n/a
Revenue Per Employee	$225,176
Profits Per Employee	$45,771
Employee Count	680
Asset Turnover	n/a
Inventory Turnover	n/a

Taxes

In the past 12 months, CARE has paid $8.10 million in taxes.

Income Tax	8.10M
Effective Tax Rate	20.53%

Stock Price Statistics

The stock price has increased by +17.51% in the last 52 weeks. The beta is 0.82, so CARE's price volatility has been lower than the market average.

Beta (5Y)	0.82
52-Week Price Change	+17.51%
50-Day Moving Average	17.49
200-Day Moving Average	17.19
Relative Strength Index (RSI)	60.54
Average Volume (20 Days)	82,906

Short Selling Information

The latest short interest is 693,024, so 3.06% of the outstanding shares have been sold short.

Short Interest	693,024
Short Previous Month	686,416
Short % of Shares Out	3.06%
Short % of Float	3.17%
Short Ratio (days to cover)	8.61

Income Statement

In the last 12 months, CARE had revenue of $153.12 million and earned $31.12 million in profits. Earnings per share was $1.36.

Revenue	153.12M
Gross Profit	153.12M
Operating Income	45.29M
Pretax Income	n/a
Net Income	31.12M
EBITDA	n/a
EBIT	n/a
Earnings Per Share (EPS)	$1.36

Full Income Statement

Balance Sheet

The company has $111.83 million in cash and $125.32 million in debt, giving a net cash position of -$13.49 million or -$0.60 per share.

Cash & Cash Equivalents	111.83M
Total Debt	125.32M
Net Cash	-13.49M
Net Cash Per Share	-$0.60
Equity (Book Value)	405.64M
Book Value Per Share	17.89
Working Capital	-4.23B

Full Balance Sheet

Cash Flow

In the last 12 months, operating cash flow was $37.74 million and capital expenditures -$8.46 million, giving a free cash flow of $29.28 million.

Operating Cash Flow	37.74M
Capital Expenditures	-8.46M
Free Cash Flow	29.28M
FCF Per Share	$1.29

Full Cash Flow Statement

Margins

Gross Margin	n/a
Operating Margin	29.58%
Pretax Margin	25.78%
Profit Margin	20.49%
EBITDA Margin	n/a
EBIT Margin	n/a
FCF Margin	19.12%

Dividends & Yields

CARE does not appear to pay any dividends at this time.

Dividend Per Share	n/a
Dividend Yield	n/a
Dividend Growth (YoY)	n/a
Years of Dividend Growth	n/a
Payout Ratio	n/a
Buyback Yield	-0.08%
Shareholder Yield	-0.08%
Earnings Yield	7.50%
FCF Yield	7.06%

Dividend Details

Analyst Forecast

The average price target for CARE is $21.50, which is 17.81% higher than the current price. The consensus rating is "Buy".

Price Target	$21.50
Price Target Difference	17.81%
Analyst Consensus	Buy
Analyst Count	2
Revenue Growth Forecast (5Y)	n/a
EPS Growth Forecast (5Y)	n/a

Stock Forecasts

Fair Value

There are several formulas that can be used to estimate the intrinsic value of a stock.

Lynch Fair Value
Lynch Upside
Graham Number
Graham Upside

Stock Splits

This stock does not have any record of stock splits.

Last Split Date	n/a
Split Type	n/a
Split Ratio	n/a

Scores

Altman Z-Score	n/a
Piotroski F-Score	4