NASDAQ · Banks - Regional · USD

Carter Bankshares, Inc. (CARE) Stock Analysis

Carter Bankshares, Inc. (CARE) is a Banks - Regional stock listed on NASDAQ and quoted in US Dollar.

Last Updated: October 21, 2026

CARE

$30.37

+$0.19 (+0.63%)

Oct 21, 2026 · Market close

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Price History

Hover for the daily close. The dotted line marks the period open.

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CARE Key Statistics

As of Oct 21, 2026

Trading

Open: $30.35
Previous Close: $30.18
Day's Range: 30.11–30.44
52-Week Range: 16.78–36.06
Volume: 128.34K
Beta: 0.59

Valuation

Market Cap: $699.32M
P/E Ratio: 5.21
Forward P/E: 11.61
P/S ratio: 2.44
EPS (ttm): 5.80

Financials (FY)

Revenue (FY): $149.03M+12.56%
Net Income (FY): $31.36M+27.89%
Profit margin: 44.92%
Shares Outstanding: 23.16M
1-Year Return: +60.37%

Dividend and dates

Dividend: $0.40+1.32%
Ex-Dividend Date: August 10, 2026
Earnings Date: October 29, 2026
Avg Volume: 316.88K

Only metrics the company reports are shown. Data provided by Yahoo Finance via yfinance. Updated daily.

Key facts

As of October 21, 2026, CARE closed at $30.37, +60.37% over 1 year.

Carter Bankshares, Inc. (CARE) has a market capitalization of $699.32M.

In fiscal 2025, CARE reported revenue of $149.03M.

CARE Stock Return by Calendar Year

Carter Bankshares, Inc. (CARE) 10-year return: what $10,000 became

1 year: $10,000 $16,037; +60.37%
5 years: $10,000 $20,612; +106.12%
10 years: $10,000 $25,167; +151.67%

If you had invested $10,000 in Carter Bankshares, Inc. (CARE) 10 years ago, at the close on October 21, 2016, it would have been worth $25,167 at the close on October 21, 2026: +151.67% in total, +9.67% a year, with dividends reinvested. A historical calculation from closing prices adjusted for splits and dividends, before fees and taxes.

Calendar-year returns computed from daily closing prices. Partial years are shown muted and marked with an asterisk.

+58.13%−54.48%+55.07%

2016*2017201820192020202120222023202420252026*

Year	Return
2026 (partial year)	+55.07%
2025	+11.77%
2024	+17.50%
2023	−9.77%
2022	+7.80%
2021	+43.56%
2020	−54.48%
2019	+58.13%
2018	−14.53%
2017	+32.05%
2016 (partial year)	−0.22%

As of October 21, 2026.

CARE Revenue and Earnings by Fiscal Year

FY ends December

RevenueNet income

2022202320242025

Fiscal year	Revenue	Net income	Net margin
2025	$149.03M	$31.36M	21.0%
2024	$132.40M	$24.52M	18.5%
2023	$137.71M	$23.38M	17.0%
2022	$158.90M	$50.12M	31.5%

Fiscal year	Revenue	Gross profit	Operating income	Net income	Net margin
2025	$149.03M	—	—	$31.36M	21.0%
2024	$132.40M	—	—	$24.52M	18.5%
2023	$137.71M	—	—	$23.38M	17.0%
2022	$158.90M	—	—	$50.12M	31.5%

Annual figures as reported, in the company's reporting currency. As of December 31, 2025.

CARE Dividend History

$0.14

Dividends per share, 2020 · 1 payments

Year	Dividends per share	Payments	Change
2026*	$0.20	2	—
2020	$0.14	1	—

Most recent payment: $0.10 per share, ex-dividend August 10, 2026. Per-share amounts summed by calendar year from ex-dividend dates. Partial years are shown muted and marked with an asterisk.

CARE Valuation vs Banks - Regional Median

Median of 326 stocks

Metric	CARE	Banks - Regional median	vs median
P/E	5.21	12.03	57% below
P/S ratio	2.44	3.58	32% below
Profit margin	44.92%	29.44%	15.5 pts above

Medians across 326 Banks - Regional stocks that report the metric. Medians, not averages, so one outlier cannot move them. As of October 21, 2026.

Recent News

News provided by third-party sources. Not financial advice.

Analysis

Data-derived

Company Overview

Carter Bankshares, Inc. (CARE) carries a market capitalisation of $699.32M. The company sits in the Financial Services sector, in the Banks - Regional industry. The company reports 687 employees.

The 52-week range on file runs from $16.78 to $36.06. CARE last closed at $30.37 on October 21, 2026. That is +$0.19 (+0.63%) against the previous close. The latest close sits 80.99% above that 52-week low.

Financial Health

In fiscal 2025, Carter Bankshares, Inc. reported revenue of $149.03M. That is +12.56% against the prior fiscal year, when revenue was $132.40M. Net income for the same year was $31.36M. That is +27.89% against the prior fiscal year. Profit margin runs at 44.92%. That is 15.5 percentage points above the Banks - Regional median of 29.44%. Earnings per share on a trailing basis come to 5.8.

Across the 4 fiscal years on file, revenue moves from $158.90M in 2022 to $149.03M in 2025. Of those 4 years, 4 report positive net income.

Valuation Assessment

On trailing earnings, the shares are priced at 5.21 times earnings. That is 56.69% below the Banks - Regional median of 12.03. On forward earnings the ratio is 11.61. The price-to-sales ratio is 2.44. On price-to-sales that is 31.72% below the Banks - Regional median of 3.58. 326 Banks - Regional companies report these metrics, and the medians quoted come from that group.

Beta against the wider market is reported at 0.59. Annualized volatility over the trailing 10 years is 36.97%. The trailing one-year total return is +60.37%. Across 10 years the annualized return works out at +9.67%.

Growth & Income

The trailing dividend yield is 1.32%. That is 1.4 percentage points below the Banks - Regional median yield of 2.68%. At the indicated rate that is $0.40 a share a year. The ex-dividend date on file is August 10, 2026. Dividends are recorded for 2 calendar years; 2026 shows 2 payments totalling $0.20 a share.

So far in 2026 the total return is +55.07%. The strongest complete calendar year on file is 2019 at +58.13%; the weakest is 2020 at −54.48%. Of the 9 complete calendar years on file, 6 finished higher.

Peer Comparison

Carter Bankshares, Inc. (CARE) operates in the Banks - Regional industry. Here is how it compares to its closest peers by market capitalization:

Company	Ticker	Market Cap	P/E Ratio
Carter Bankshares, Inc.	CARE	$699.32M	5.2
Mizuho Financial Group, Inc.	MFG	$120.84B	13.7
HDFC Bank Limited	HDB	$116.51B	14.6
Itaú Unibanco Holding S.A.	ITUB	$106.91B	12.4

The Banks - Regional industry average P/E ratio is 12.0x. Carter Bankshares, Inc. trades at a P/E of 5.2.

Every figure above is read from this page's own data on each daily rebuild. Informational only, not financial advice. As of October 21, 2026.

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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.

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