Carter Bank and Trust (CARE)

Official site

FINANCIAL SERVICES • BANKS - REGIONAL • NASDAQ

$30.31

+0.28 (+0.93%)

Market Cap: $695.61M

Last updated: Oct 16, 2026 at 1:54 PM ET

Earnings

Performance (10Y)

Beat Rate

70%(21/30)

Avg Surprise

+32.92%

Streak

1 Q

Upcoming Estimates

Period ending Sep 30, 2026

EPS Consensus$0.53

Range$0.50 - $0.55

4 analysts

EPS Revisions

30d

EPS Estimate DriftChange to current

90d ago$0.53-0.6%

60d ago$0.530.0%

30d ago$0.530.0%

7d ago$0.52+1.4%

Current$0.53

Revenue Consensus

$45M

Range$42M - $47M

3 analysts

Period ending Dec 31, 2026

EPS Consensus$0.90

Range$0.58 - $1.42

3 analysts

Revenue Consensus

$38M

Range$27M - $49M

2 analysts

Period	Reported	Est.	Range	Surprise	B/M	Analysts	Revisions	YoY
Dec 31, 2026Dec 26EST	-	$0.90	$0.58 - $1.42	-	-	3	-	-
Sep 30, 2026Sep 26EST	-	$0.53	$0.50 - $0.55	-	-	4	2 1 30d	-
Jun 30, 2026Jun 26 Reported Jul 23, 2026Reported Jul 23	$0.53	$0.41	$0.41 - $0.46	+29.27%	Beat	3	0 2 30d	+29.3%
Mar 31, 2026Mar 26 Reported Apr 23, 2026Reported Apr 23	$0.40	N/A	-	-89.77%	Miss	2	1 0 30d	+25.0%
Dec 31, 2025Dec 25 Reported Jan 29, 2026Reported Jan 29	$0.41	$0.35	$0.30 - $0.39	+17.14%	Beat	3	0 3 30d	+10.8%
Sep 30, 2025Sep 25 Reported Oct 23, 2025Reported Oct 23	$0.26	$0.41	$0.37 - $0.46	-36.59%	Miss	3	2 1 30d	+13.0%
Jun 30, 2025Jun 25 Reported Jul 24, 2025Reported Jul 24	$0.41	$0.32	$0.30 - $0.36	+28.13%	Beat	3	1 2 30d	+95.2%
Mar 31, 2025Mar 25 Reported Apr 24, 2025Reported Apr 24	$0.32	$0.28	$0.24 - $0.32	+14.29%	Beat	3	0 1 30d	+33.3%
Dec 31, 2024Dec 24 Reported Jan 23, 2025Reported Jan 23	$0.37	$0.23	$0.19 - $0.26	+60.87%	Beat	3	1 1 30d	+1950.0%
Sep 30, 2024Sep 24 Reported Oct 24, 2024Reported Oct 24	$0.23	$0.22	$0.22 - $0.23	+4.55%	Beat	3	No revisions (30d)	+15.0%
Jun 30, 2024Jun 24 Reported Jul 25, 2024Reported Jul 25	$0.21	$0.21	$0.21 - $0.21	+0.00%	Beat	1	No revisions (30d)	-12.5%
Mar 31, 2024Mar 24 Reported Apr 25, 2024Reported Apr 25	$0.24	$0.10	$0.07 - $0.14	+140.00%	Beat	3	No revisions (30d)	-64.2%
Dec 31, 2023Dec 23 Reported Jan 25, 2024Reported Jan 25	$-0.02	N/A	-	-111.76%	Miss	3	No revisions (30d)	-103.2%
Sep 30, 2023Sep 23 Reported Oct 26, 2023Reported Oct 26	$0.20	$0.20	$0.13 - $0.30	+0.00%	Beat	4	No revisions (30d)	-63.6%
Jun 30, 2023Jun 23 Reported Jul 27, 2023Reported Jul 27	$0.24	N/A	-	-61.29%	Miss	4	No revisions (30d)	-45.5%
Mar 31, 2023Mar 23 Reported Apr 27, 2023Reported Apr 27	$0.67	$0.62	$0.60 - $0.68	+8.06%	Beat	4	No revisions (30d)	+86.1%
Dec 31, 2022Dec 22 Reported Jan 26, 2023Reported Jan 26	$0.62	$0.61	$0.55 - $0.66	+1.64%	Beat	3	No revisions (30d)	+195.2%
Sep 30, 2022Sep 22 Reported Oct 27, 2022Reported Oct 27	$0.55	$0.51	$0.50 - $0.51	+7.84%	Beat	2	1 0 30d	+52.8%
Jun 30, 2022Jun 22 Reported Jul 28, 2022Reported Jul 28	$0.44	$0.36	$0.34 - $0.40	+22.22%	Beat	3	2 0 30d	+83.3%
Mar 31, 2022Mar 22 Reported Apr 26, 2022Reported Apr 26	$0.36	$0.30	$0.29 - $0.32	+20.00%	Beat	4	2 0 30d	+80.0%
Dec 31, 2021Dec 21 Reported Jan 27, 2022Reported Jan 27	$0.21	$0.34	$0.21 - $0.36	-38.24%	Miss	4	No revisions (30d)	+40.0%
Sep 30, 2021Sep 21 Reported Oct 28, 2021Reported Oct 28	$0.36	$0.28	$0.26 - $0.30	+28.57%	Beat	3	No revisions (30d)	+176.9%
Jun 30, 2021Jun 21 Reported Jul 29, 2021Reported Jul 29	$0.24	$0.29	$0.29 - $0.31	-17.24%	Miss	2	No revisions (30d)	+200.0%
Mar 31, 2021Mar 21 Reported Apr 29, 2021Reported Apr 29	$0.20	$0.21	$0.08 - $0.22	-4.76%	Miss	3	1 0 30d	+53.8%
Dec 31, 2020Dec 20 Reported Jan 28, 2021Reported Jan 28	$0.15	$0.11	$0.03 - $0.14	+36.36%	Beat	3	No revisions (30d)	-50.0%
Sep 30, 2020Sep 20 Reported Oct 29, 2020Reported Oct 29	$0.13	$0.07	$0.06 - $0.08	+85.71%	Beat	3	No revisions (30d)	-55.2%
Jun 30, 2020Jun 20 Reported Jul 23, 2020Reported Jul 23	$0.08	$0.09	$0.04 - $0.14	-11.11%	Miss	3	No revisions (30d)	-73.3%
Mar 31, 2020Mar 20 Reported Apr 30, 2020Reported Apr 30	$0.13	$0.18	$0.03 - $0.27	-27.78%	Miss	3	No revisions (30d)	-55.2%
Dec 31, 2019Dec 19 Reported Jan 28, 2020Reported Jan 28	$0.30	$0.30	$0.29 - $0.32	+0.00%	Beat	3	No revisions (30d)	+130.8%
Sep 30, 2019Sep 19 Reported Oct 24, 2019Reported Oct 24	$0.29	$0.28	$0.27 - $0.33	+3.57%	Beat	3	No revisions (30d)	+200.0%
Jun 30, 2019Jun 19 Reported Jul 25, 2019Reported Jul 25	$0.30	$0.27	$0.27 - $0.27	+11.11%	Beat	1	No revisions (30d)	+11.1%
Mar 31, 2019Mar 19 Reported Apr 25, 2019Reported Apr 25	$0.29	$0.03	$0.03 - $0.03	+866.67%	Beat	1	No revisions (30d)	-14.7%
Dec 31, 2018Dec 18 Reported Jan 24, 2019Reported Jan 24	$0.13	N/A	-	N/A	Beat	-	-	+167.3%
Sep 30, 2018Sep 18 Reported Nov 9, 2018Reported Nov 9	$-0.29	N/A	-	N/A	Beat	-	-	-1679.1%
Jun 30, 2018Jun 18 Reported Aug 9, 2018Reported Aug 9	$0.27	N/A	-	N/A	Beat	-	-	+577.9%
Mar 31, 2018Mar 18 Reported May 10, 2018Reported May 10	$0.34	N/A	-	N/A	Beat	-	-	+41.7%
Dec 31, 2017Dec 17 Reported Mar 31, 2018Reported Mar 31	$-0.19	N/A	-	N/A	Beat	-	-	-31.2%
Sep 30, 2017Sep 17 Reported Sep 30, 2017Reported Sep 30	$-0.02	N/A	-	N/A	Beat	-	-	-
Jun 30, 2017Jun 17 Reported Jun 30, 2017Reported Jun 30	$-0.06	N/A	-	N/A	Beat	-	-	-
Mar 31, 2017Mar 17 Reported Mar 31, 2017Reported Mar 31	$0.24	N/A	-	N/A	Beat	-	-	-
Dec 31, 2016Dec 16 Reported Mar 31, 2017Reported Mar 31	$-0.15	N/A	-	N/A	Beat	-	-	-

Dividends

Dividend Metrics

Forward Yield1.32%

Forward Annual Dividend$0.40

Payout Ratio3.40%

FrequencyQuarterly

Pay MonthsMay, Aug

CARE dividend history and ex-dividend dates Run CARE in the free DRIP calculator

Key Metrics

Valuation
P/E Ratio	18.94	EV/EBITDA	2.92x
Price/FCF	11.27x	FCF Yield	8.88%
Profitability
Profit Margin	44.90%	Operating Margin	55.00%
ROE	27.20%	ROIC	N/A
Financial Health
Debt/Equity	0.00x	Interest Coverage	1.74x
Current Ratio	N/A	Quick Ratio	N/A
Trading Statistics
Beta	0.59	Avg Volume	239.48K
52-Week High	$35.95	52-Week Low	$16.67

Technical Indicators Dashboard

Moving Averages

SMA 10$30.34

SMA 20$30.28

SMA 50$31.09

SMA 200$26.83

EMA 10$30.27

EMA 20$30.42

EMA 50$30.83

EMA 200$27.51

MACD

Line: -0.25Signal: -0.31Hist: 0.05

ADX

ADX: 32.3+DI: 16.2-DI: 24.5

Aroon & PSAR

Aroon Up4.0

Aroon Down60.0

PSAR$29.63

Bollinger Bands

Upper Band$30.86

Lower Band$29.69

%B Position387%(Upper)

Band Width0.53

RSI (14-Day)

Neutral

46.5

Momentum Oscillators

Stoch %K50.3

Stoch %D51.0

Williams %R-41.5

ROC (10d)-0.2%

Momentum-0.05

CCI (20d)14.9

MFI (14d)55.8

Volatility Measures

ATR (14d)$0.64(2.1%)

StdDev (20d)0.29

Hist Vol16.9%(Low)

Volume Flow

VWAP$30.32

OBV17.7M

AD Line-18.7M

CMF (20d)0.125

Volume Metrics

Avg Vol (20d)237.8K

Vol Ratio0.5x(Low)

VWMA (20d)$30.31

Pivot Points

R3$30.84

R2$30.54

R1$30.28

Pivot Point$29.98

S1$29.72

S2$29.42

S3$29.16

Advanced Oscillators

TSI-11.88

Ultimate Osc49.4

KST-26.72

Financial Data

Quarter	Jun 2026	Mar 2026	Dec 2025	Sep 2025	Jun 2025	Mar 2025	Dec 2024	Sep 2024	Jun 2024	Mar 2024	Dec 2023	Sep 2023
Total Revenue	$68.68M	$106.91M	$39.83M	$39.09M	$37.27M	$37.04M	$34.52M	$34.22M	$33.63M	$33.46M	$30.66M	$32.66M
Cost of Revenue	N/A	$-10,884,000	$22.44M	$28.68M	$22.72M	$23.73M	$22.32M	$27.56M	$26.75M	$25.60M	$27.93M	$22.47M
Gross Profit	N/A	$141.04M	$42.09M	$34.90M	$38.94M	$38.19M	$38.58M	$33.57M	$32.56M	$32.73M	$25.27M	$30.87M

Operating Expenses	$29.99M	$31.01M	$31.00M	$28.70M	$29.30M	$28.04M	$28.87M	$27.43M	$27.45M	$26.26M	$29.07M	$27.28M
R&D	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0
SG&A	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0
Operating Income	N/A	$110.03M	$11.08M	$7.15M	$10.63M	$11.14M	$10.68M	$7.03M	$5.92M	$7.23M	$-1,889,000	$4.41M

Interest Income	$61.49M	$59.19M	$59.30M	$59.17M	$57.75M	$56.01M	$56.50M	$56.59M	$54.58M	$54.05M	$51.86M	$48.89M
Interest Expense	$21.54M	$23.25M	$24.69M	$25.45M	$25.39M	$25.87M	$27.35M	$27.80M	$26.49M	$25.63M	$24.44M	$21.49M
Income Before Tax	$37.24M	$110.03M	$11.08M	$7.15M	$10.63M	$11.14M	$10.68M	$7.03M	$5.92M	$7.23M	$-1,889,000	$4.41M
Income Tax Expense	$8.33M	$24.27M	$2.60M	$1.74M	$2.12M	$2.18M	$2.40M	$1.40M	$1.12M	$1.42M	$-1,000	$780,000

Net Income	$28.91M	$85.76M	$8.48M	$5.42M	$8.51M	$8.95M	$8.28M	$5.63M	$4.80M	$5.81M	$-1,888,000	$3.63M

EBITDA	$52.38M	$112.85M	$13.97M	$10.06M	$13.56M	$14.08M	$13.54M	$9.71M	$8.66M	$10.11M	$2.91M	$7.67M
EBIT	$37.24M	$110.03M	$11.08M	$7.15M	$10.63M	$11.14M	$10.68M	$7.03M	$5.92M	$7.23M	$-1,973,000	$4.41M

* Some calculated fields are derived from available data when not provided by source

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News

Carter Bankshares, Inc. (NASDAQ:CARE) Stock Has Consensus Target Price of $30.75 According to Brokerages

Carter Bankshares, Inc. (NASDAQ:CARE) has an average "Hold" rating from five analysts, with a consensus 12-month price target of $30.75, close to its current price of $30.31. The company reported quarterly EPS of $0.53...

MarketBeat•Oct 16, 2026 4:40 AM ET10/16/26•Neutral

Implied Volatility Surging for Carter Bankshares Stock Options

Investors in Carter Bankshares (CARE) should note the recent surge in implied volatility for its stock options, particularly the Dec 18...

TradingView•Oct 15, 2026 7:42 AM ET10/15/26•Neutral

Implied Volatility Surging for Carter Bankshares Stock Options

Implied volatility for Carter Bankshares (CARE) stock options is surging, particularly for the Dec 18, 2026 $25 Put...

Yahoo Finance•Oct 15, 2026 7:00 AM ET10/15/26•Somewhat-Bullish

DIMENSIONAL FUND ADVISORS LP Adds Carter Bankshares Inc (CARE)

DIMENSIONAL FUND ADVISORS LP has increased its stake in Carter Bankshares Inc (CARE) by adding 108,089 shares, bringing its total holding to 1,364,215 shares. The transaction was executed at $29.89 per share...

GuruFocus•Oct 15, 2026 1:16 AM ET10/15/26•Somewhat-Bullish

CEO Litz Van Dyke Reflects on 10 Years with Carter Bank

Litz Van Dyke, CEO of Carter Bank, recently celebrated a decade with the company, including nine years as CEO. Under his leadership, the bank has seen significant growth, expanded into new markets...

The Avery Journal-Times•Sep 24, 2026 10:59 AM ET9/24/26•Bullish

CARE Valuation and Fair Value

P/E: 18.9x
Forward P/E: 13.7x
EV/EBITDA: 2.9x
P/FCF: 11.3x
PEG: 0.0x
P/B: 1.2x

See GNG's fair value

CARE Profitability: Margins, ROIC and FCF

Operating margin: 55.0%
Net margin: 44.9%
ROE: 27.2%
FCF margin: 23.1%
FCF yield: 8.9%

CARE Competitors

Company	Ticker
Third Coast Bancshares, Inc.	TCBX
MidCap Financial Investment Corporation	MFIC
Qfin Holdings, Inc.	QFIN
Southern California Bancorp	BCAL
Washington Trust Bancorp Inc	WASH
Bain Capital Specialty Finance Inc	BCSF
Community West Bancshares	CWBC
Grupo Supervielle SA	SUPV

Sector: Financial Services

CARE Analyst Ratings

Consensus: Hold
Analysts: 4
Strong Buy: 0
Buy: 1
Hold: 3
Sell: 0
Strong Sell: 0

CARE Bull Case vs Bear Case

Bull case

CARE converts 23.1% of revenue into free cash flow.
CARE has a 44.9% net profit margin.
CARE beat EPS estimates in 75.0% of its last 8 reported quarters.

CARE Earnings: Beat Rate and Next Report

Beat rate: 6 of 8 quarters (75.0%)
Average surprise: 3.5%
EPS estimate (fiscal period ending Sep 30, 2026): $0.53
Estimate revisions (30 days, fiscal period ending Sep 30, 2026): 2 up, 1 down

CARE Dividend

Forward yield: 1.3%
Payout ratio: 3.4%
Pay months: May, Aug

CARE dividend history

Frequently Asked Questions About CARE

What is CARE's current dividend yield?

Carter Bank and Trust (CARE) has a forward dividend yield of 1.32%.

Does CARE pay dividends?

Yes, Carter Bank and Trust pays dividends with a forward dividend yield of 1.32%.

What is CARE's P/E ratio?

Carter Bank and Trust has a price-to-earnings (P/E) ratio of 18.94.

What is CARE's market cap?

Carter Bank and Trust (CARE) has a market capitalization of $695.61M with a current stock price of $30.31.

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Earnings

Performance (10Y)

Upcoming Estimates

Dividends

Dividend Metrics

Key Metrics

Technical Indicators Dashboard

Moving Averages

MACD

ADX

Aroon & PSAR

Bollinger Bands

RSI (14-Day)

Momentum Oscillators

Volatility Measures

Volume Flow

Volume Metrics

Pivot Points

Advanced Oscillators

Financial Data

Related GNG Research

News

Carter Bankshares, Inc. (NASDAQ:CARE) Stock Has Consensus Target Price of $30.75 According to Brokerages

Implied Volatility Surging for Carter Bankshares Stock Options

Implied Volatility Surging for Carter Bankshares Stock Options

DIMENSIONAL FUND ADVISORS LP Adds Carter Bankshares Inc (CARE)

CEO Litz Van Dyke Reflects on 10 Years with Carter Bank

CARE Valuation and Fair Value

CARE Profitability: Margins, ROIC and FCF

CARE Competitors

CARE Analyst Ratings

CARE Bull Case vs Bear Case

Bull case

CARE Earnings: Beat Rate and Next Report

CARE Dividend

Frequently Asked Questions About CARE

Related stocks

Get full access to GNG Research