Stocks · Financial Services · Banks - Regional
Carter Bankshares, Inc. CARE
$30.75 +1.28% Close, Oct 2, 2026 · NASDAQ · Market cap $681.5M
Strong growthHigh qualityStrong trendInexpensive vs sector
Next earnings report: Oct 22, 2026
Scroll or pinch to zoom, drag to move. Daily prices adjusted for splits. Markers: E = earnings (green beat, red miss), S = split, D = dividend.
Three things to know
- Diluted EPS over the last four quarters was $5.88, up 332.4% year over year.
- Operating margin widened to 47.5% from 16.1% a year earlier.
- At 5.2× trailing earnings, the shares trade at the lowest P/E of the company's past five years.
PromtFinance scores
Each score is a percentile within the Financial Services sector (0–100). Under each score: how the stock ranks in its sector on every component. As of Oct 5, 2026.
How fast revenue, earnings and cash flow are growing.
- Revenue growth (TTM, YoY)Top 8%
- EPS growth (TTM, YoY)Top 3%
- FCF growth (TTM, YoY)Top 18%
- Revenue growth, 3-year CAGRBottom 40%
- Revenue growth accelerationTop 9%
Returns on capital, margins, earnings quality and balance-sheet strength.
- Return on invested capitalTop 5%
- Gross marginTop 13%
- Operating marginTop 8%
- Cash conversion (OCF / net income)Bottom 25%
- Accruals (lower is better)Bottom 22%
- Net debt / EBITDA (lower is better)Top 25%
- Interest coverTop 33%
How cheap the shares are relative to earnings, cash flow and their own history.
- Earnings yieldTop 5%
- Free-cash-flow yieldTop 45%
- EBITDA / enterprise valueTop 5%
- Sales / enterprise valueTop 24%
- P/E vs own 5-year history (lower is better)Top 3%
Strength and persistence of the price trend, including versus the S&P 500.
- 12-month return excluding last monthTop 4%
- 6-month returnTop 9%
- 1-year return vs S&P 500Top 4%
- Distance from 52-week highBottom 35%
- Trend checklist (0–4)Top 27%
Earnings surprises and analyst sentiment (estimate-revision history is being collected).
- Average EPS surprise, last 4 quartersTop 10%
- Consecutive EPS beatsBottom 43%
- Share of analysts rating BuyBottom 3%
- Upside to consensus price targetBottom 11%
Low volatility, shallow drawdowns, low market sensitivity and modest leverage.
- Volatility, 60 days (lower is better)Bottom 37%
- Maximum drawdown, 3 yearsBottom 42%
- Beta vs S&P 500 (lower is better)Top 34%
- Net debt / EBITDA (lower is better)Top 25%
What changed
Latest four quarters versus the same period a year earlier (growth: versus one quarter earlier).
| Measure | Before | Now | |
|---|---|---|---|
| Revenue growth (YoY) | 31.5% | 41.9% | ↑ |
| EPS growth (YoY) | 310.8% | 332.4% | ↑ |
| Gross margin | 60.8% | 81.9% | ↑ |
| Operating margin | 16.1% | 47.5% | ↑ |
| FCF margin | 11.9% | 16.9% | ↑ |
Fundamental momentum
| Measure | Now (TTM) | Year / quarter before | Sector rank | |
|---|---|---|---|---|
| Revenue growth (TTM, YoY) | 41.9% | 31.5% | ↑ | Top 8% |
| EPS growth (TTM, YoY) | 332.4% | 310.8% | ↑ | Top 3% |
| Gross margin | 81.9% | 60.8% | ↑ | Top 13% |
| Operating margin | 47.5% | 16.1% | ↑ | Top 8% |
| Net margin | 36.9% | 12.8% | ↑ | — |
| Free-cash-flow margin | 16.9% | 11.9% | ↑ | — |
| Return on invested capital | 21.3% | — | Top 5% | |
| Revenue growth, 3-year CAGR | 12.4% | — | Bottom 40% |
Quality of earnings and balance sheet
- Cash conversion (OCF / net income)Above 1× means profits are backed by cash.
- 0.52×
- Accruals (net income − OCF) / assetsLower is better; high accruals can signal weaker earnings quality.
- 1.3%
- Stock-based compensation / revenueA cost to shareholders through dilution.
- 0.6%
- Receivables growth vs revenue growthReceivables growing much faster than sales can be a warning.
- -115.5 pp
- Net debt / EBITDABelow 1× is conservative; above 3× is high leverage.
- -0.24×
- Interest cover (operating income / interest)How many times operating profit covers interest.
- 1.7×
Shareholder returns
- Dividend yield (dividends paid, TTM)
- 0.33%
- Net buyback yield (TTM)
- 2.02%
- Shareholder yield
- 2.34%
- Share count change, 1 year
- -4.2%
- Share count change, 3-year CAGR
- -2.4%
Shareholder yield = dividends + net buybacks over the last four quarters, divided by market cap.
Based on the four quarters through Jun 30, 2026 (filed Aug 6, 2026).
Earnings and expectations
Earnings momentum
- Consecutive EPS beats
- 1
- Beats in the last 8 reports
- 6 of 8
- Average EPS surprise, last 4
- +30.2%
- Average 2-day reaction, last 8
- +0.5%
- Positive 20 days after report
- 5 of 8
Analysts
- Consensus price target
- $30.75
- Target vs current price
- +0.0%
- Analysts with a rating
- 5
- Share rating Buy or Strong Buy
- 0%
- Consensus rating
- Hold
How the stock reacted to recent reports
| Report date | EPS surprise | 2 days | 5 days | 20 days | 60 days |
|---|---|---|---|---|---|
| Jul 23, 2026 | +219.5% | +3.0% | +4.8% | -6.3% | — |
| Apr 23, 2026 | -89.8% | -2.1% | +3.4% | +9.5% | +35.5% |
| Jan 29, 2026 | +24.2% | +2.8% | +10.9% | +8.1% | +21.0% |
| Oct 23, 2025 | -33.3% | -6.3% | -8.3% | -10.0% | +6.0% |
| Jul 24, 2025 | +32.3% | +4.3% | -2.1% | +4.6% | +2.8% |
| Apr 24, 2025 | +6.7% | +2.3% | -0.2% | +3.4% | +18.0% |
| Jan 23, 2025 | +76.2% | +1.4% | +2.1% | -0.5% | -15.5% |
| Oct 24, 2024 | +9.1% | -1.6% | +0.1% | +0.5% | -5.6% |
Returns from the close before each report. Past reactions do not determine future ones.
Earnings history
| Report date | EPS | Estimate | Surprise | Revenue |
|---|---|---|---|---|
| Jul 23, 2026 | $1.31 | $0.41 | +219.5% | $68.7M |
| Apr 23, 2026 | $0.40 | $3.91 | -89.8% | $106.9M |
| Jan 29, 2026 | $0.41 | $0.33 | +24.2% | $39.8M |
| Oct 23, 2025 | $0.26 | $0.39 | -33.3% | $38.1M |
| Jul 24, 2025 | $0.41 | $0.31 | +32.3% | $39.9M |
| Apr 24, 2025 | $0.32 | $0.30 | +6.7% | $36.0M |
| Jan 23, 2025 | $0.37 | $0.21 | +76.2% | $33.5M |
| Oct 24, 2024 | $0.24 | $0.22 | +9.1% | $33.3M |
Valuation in context
| Multiple | Now | 5-year median | 5-year percentile | Sector rank (cheapness) |
|---|---|---|---|---|
| P/E (trailing) | 5.2× | 12.8× | 0th | Top 5% |
| P/E (forward) | 5.1× | — | — | — |
| EV / EBITDA | 3.7× | — | — | Top 5% |
| EV / Sales | 1.84× | — | — | Top 24% |
| Free-cash-flow yield | 8.62% | — | — | Top 45% |
| Earnings yield | 19.12% | — | — | Top 5% |
P/E over the past five years
Range 5.3× – 31.3× since Sep 30, 2021. Each point: price on the filing date divided by trailing-twelve-month EPS known then.
What moved the stock over the past year
- Price return, 1 year
- +59.2%
- Earnings per share growth (TTM)
- +332.4%
- Change in P/E multiple
- -54.4%
Most of the move came from earnings growth.
Technical state
Trend checklist
- ✓ Price above 20-day average
- ✗ Price above 50-day average
- ✓ Price above 200-day average
- ✓ 50-day average above 200-day
- ✓ MACD histogram positive
Trend quality
- Days above the 50-day average
- 0
- Days above the 200-day average
- 216
- 50-day average slope (20 days)
- -2.7%
- 200-day average slope (20 days)
- +4.8%
- Distance from 50-day average
- -3.5%
- Distance from 200-day average
- +16.3%
- RSI (14)
- 49.0
- Relative volume
- 0.47×
Risk and drawdowns
- Volatility, 60 days (annualized)
- 24.4%
- Volatility vs own 5-year history
- 14th percentile · Low for this stock
- Beta vs S&P 500 (2 years, weekly)
- 0.51
- Correlation with S&P 500
- 0.28
- Current drawdown from 1-year high
- -13.9%
- Maximum drawdown, 3 years
- -31.7%
Largest declines in the past six years
| From peak | To low | Decline | Length | Recovery |
|---|---|---|---|---|
| Dec 2, 2022 | Oct 25, 2023 | -43.0% | 224 days | 246 days (Oct 17, 2024) |
| May 24, 2021 | Jul 22, 2021 | -37.0% | 41 days | 76 days (Nov 8, 2021) |
| Nov 11, 2024 | Apr 11, 2025 | -31.7% | 103 days | 173 days (Dec 18, 2025) |
| Apr 20, 2022 | Jun 23, 2022 | -26.7% | 44 days | 89 days (Oct 28, 2022) |
| Aug 4, 2026 | Sep 28, 2026 | -17.0% | 38 days | Not yet recovered |
Declines of 10% or more from a closing high, measured on daily closes.
Financial statements
- Market cap
- $681.5M
- P/E (TTM)
- 5.2
- EPS, diluted (TTM)
- $5.88
- Revenue (TTM)
- $348.5M
- Dividend yield
- 0.65%
- 52-week range
- $16.78 – $36.06
| FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|
| Revenue | $156.4M | $179.2M | $211.8M | $239.7M | $254.6M |
| Gross profit | $131.6M | $156.0M | $131.3M | $137.4M | $157.1M |
| Operating income | $35.7M | $61.7M | $28.7M | $30.9M | $40.0M |
| Net income | $31.6M | $50.1M | $23.4M | $24.5M | $31.4M |
| EPS (diluted) | $1.20 | $2.03 | $1.00 | $1.06 | $1.40 |
| Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | |
|---|---|---|---|---|---|---|---|---|
| Revenue | $61.1M | $60.9M | $61.9M | $61.7M | $63.6M | $64.5M | $130.2M | $90.2M |
| Net income | $5.6M | $8.3M | $9.0M | $8.5M | $5.4M | $8.5M | $85.8M | $28.9M |
| EPS (diluted) | $0.24 | $0.36 | $0.39 | $0.37 | $0.24 | $0.39 | $3.93 | $1.32 |
| FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|
| Operating cash flow | $77.5M | $70.8M | $46.7M | $36.9M | $39.9M |
| Capital expenditure | -$8.5M | -$5.9M | -$9.8M | -$8.1M | -$8.1M |
| Free cash flow | $69.1M | $64.9M | $36.9M | $28.8M | $31.8M |
| Dividends paid | $0 | $0 | $0 | $0 | $0 |
| Net share buybacks | -$157,000 | -$42.9M | -$16.4M | $0 | -$20.0M |
Cash outflows are shown as negative numbers.
- Cash and short-term investments
- $681.4M
- Total assets
- $4.80B
- Total liabilities
- $4.26B
- Total debt
- $0
- Net debt
- -$41.1M
- Shareholders’ equity
- $539.1M
As of Jun 30, 2026 (filed Aug 6, 2026).
Dividends
| Ex-date | Amount | Paid |
|---|---|---|
| Aug 10, 2026 | $0.10 | Aug 24, 2026 |
| May 11, 2026 | $0.10 | May 25, 2026 |
| Feb 14, 2020 | $0.14 | Mar 3, 2020 |
| Jul 13, 2016 | $0.10 | Jul 29, 2016 |
| Apr 21, 2016 | $0.10 | May 2, 2016 |
| Jan 13, 2016 | $0.10 | Jan 29, 2016 |
| Oct 13, 2015 | $0.10 | Oct 30, 2015 |
| Jul 15, 2015 | $0.10 | Jul 31, 2015 |
Short interest
- Shares sold short
- 2,246,037
- Days to cover
- 10.39
- Change vs previous report
- +6.8%
FINRA short interest, settlement date Sep 15, 2026.