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Company Analysis

Carter Bankshares, Inc. CARE

A comprehensive view of key metrics, scores, and financial health for Carter Bankshares, Inc.

Overview of Carter Bankshares, Inc.

CARE NMS
Financial Services Banks - Regional Small Cap
Carter Bankshares, Inc. (CARE), is a Small Cap company, in the Banks - Regional industry, last closed at $19.95, about 2.0% overvalued vs fair value, +19.7% 1Y return, ranked 891/1004 in sector.
$19.95
-0.60%
As of March 13, 2026
Previous close • Vol 90d: 22.9%
52-Week Range
Market Cap
$440.64M
Enterprise Value
$513.97M
Overall Score
Scores locked

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Top Beats
No strong beats yet

Quick Facts

Website https://www.carterbank.com
HQ Martinsville, VA
Fiscal year Dec 31

Next Events

No upcoming events available.

Fair Value Snapshot

Bear Base Bull
$11
$20
$37
Current: $19.95 -2% vs base

Engine Room Money Flow™

Small Cap

Financial Services - Where revenue goes and how value is created

Flow Steps
Interest Income
$220.7M
13.2%%
Interest Expense
$101.4M
Net Interest Income
$113.4M
-6.1%%
Total Revenue
$254.6M
92.3%%
Money Flow Bridge
Flow Direction: Money moves from left to right
Components: Breakdown shows composition of each stage
Industry-Specific: Financial Services

Quality & Reliability Indicators

Return on Equity
6.4%
Fair

Net Income / Equity - key bank profitability metric

Locked Metric
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Where It Leaks

Cash Flow Health critical
Significant cash flow inefficiencies identified. Multiple high-impact leaks require attention.
1
Active Leaks
1/1
Improving
0
High Impact
1
Critical
Moat Analysis Bank Specialized

Competitive Advantage Assessment

Evaluating Carter Bankshares, Inc.'s durable competitive advantages across 6 defense dimensions

Overall Moat Strength
36
/100
Developing
Scores based on quantitative metrics and qualitative factors

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Deposit Franchise

Developing
30
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For informational purposes only. Not investment advice.

Trade-Off Ledger™

Where management spends the performance budget - Growth, Profitability, or Safety

Banks (Regional & Diversified) vs Industry Peers 91% Coverage
Trade-Off Triangle Visualization A ternary plot showing CARE's balance between Growth (53.8%), Profitability (22.2%), and Safety (24.0%). Growth 54% Safety 24% Profitability 22%

Click axes to expand details. Marker shows current allocation.

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Growth

60th percentile vs peers
61
Key Signals
Rev Growth YoY 92.3% 79p Asset Growth YoY 4.1% 52p Revenue CAGR 3Y 17.0% 45p
Strengths
  • Growth above peer median with strong metric coverage (72%)
Risks

No significant risks identified for this axis.

Profitability

25th percentile vs peers
25
Key Signals
Strengths
Risks
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Safety

27th percentile vs peers
27
Key Signals
Strengths
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Two Futures

Scenario-based fair value ranges for Carter Bankshares, Inc..

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Unable to Compute Fair Value

This company cannot be valued using standard models.

What this means: The Scenario Theatre requires financial data (revenue, cash flow, shares outstanding) to calculate fair value estimates. This data may be unavailable for:

  • Recently listed companies (IPOs, SPACs)
  • Shell companies or holding companies
  • Companies that haven't filed recent financials
  • Foreign companies with limited data coverage
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Bear
-
- - -
- upside
-
Base
$19.55
- - -
-2.0% vs current
Snapshot base estimate
Bull
-
- - -
- upside
-
Fair Value Range Current: $-
$- $- $-
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