C

    Carter Bank and Trust (CARE)

    Official site

    FINANCIAL SERVICES • BANKS - REGIONAL • NASDAQ

    $31.24
    -0.23 (-0.73%)

    Market Cap: $728.97M

    Last updated: Sep 01, 2026 at 10:00 AM ET

    Earnings

    Performance (10Y)

    Beat Rate
    70%(21/30)
    Avg Surprise
    +32.92%
    Streak
    1 Q

    Upcoming Estimates

    Sep 30, 2026
    EPS Consensus$0.52
    Range$0.50 - $0.55
    4 analysts
    EPS Revisions
    1
    0
    7d
    1
    1
    30d
    EPS Estimate Drift
    90d ago$0.53+2.1%
    60d ago$0.53+1.4%
    30d ago$0.53+1.4%
    7d ago$0.54+3.3%
    Current$0.52
    Revenue Consensus
    $45M
    Range$42M - $47M
    3 analysts
    Dec 31, 2026
    EPS Consensus$0.64
    Range$0.59 - $0.69
    2 analysts
    Revenue Consensus
    $38M
    Range$27M - $49M
    2 analysts
    PeriodReportedEst.SurpriseB/MYoY
    Dec 26EST
    		-$0.64---
    Sep 26EST
    		-$0.52---
    Jun 26
    		$0.53$0.41+29.27%Beat+29.3%
    Mar 26
    		$0.40N/A-89.77%Miss+25.0%
    Dec 25
    		$0.41$0.35+17.14%Beat+10.8%
    Sep 25
    		$0.26$0.41-36.59%Miss+13.0%
    Jun 25
    		$0.41$0.32+28.13%Beat+95.2%
    Mar 25
    		$0.32$0.28+14.29%Beat+33.3%
    Dec 24
    		$0.37$0.23+60.87%Beat+1950.0%
    Sep 24
    		$0.23$0.22+4.55%Beat+15.0%
    Jun 24
    		$0.21$0.21+0.00%Beat-12.5%
    Mar 24
    		$0.24$0.10+140.00%Beat-64.2%
    Dec 23
    		$-0.02N/A-111.76%Miss-103.2%
    Sep 23
    		$0.20$0.20+0.00%Beat-63.6%
    Jun 23
    		$0.24N/A-61.29%Miss-45.5%
    Mar 23
    		$0.67$0.62+8.06%Beat+86.1%
    Dec 22
    		$0.62$0.61+1.64%Beat+195.2%
    Sep 22
    		$0.55$0.51+7.84%Beat+52.8%
    Jun 22
    		$0.44$0.36+22.22%Beat+83.3%
    Mar 22
    		$0.36$0.30+20.00%Beat+80.0%
    Dec 21
    		$0.21$0.34-38.24%Miss+40.0%
    Sep 21
    		$0.36$0.28+28.57%Beat+176.9%
    Jun 21
    		$0.24$0.29-17.24%Miss+200.0%
    Mar 21
    		$0.20$0.21-4.76%Miss+53.8%
    Dec 20
    		$0.15$0.11+36.36%Beat-50.0%
    Sep 20
    		$0.13$0.07+85.71%Beat-55.2%
    Jun 20
    		$0.08$0.09-11.11%Miss-73.3%
    Mar 20
    		$0.13$0.18-27.78%Miss-55.2%
    Dec 19
    		$0.30$0.30+0.00%Beat+130.8%
    Sep 19
    		$0.29$0.28+3.57%Beat+200.0%
    Jun 19
    		$0.30$0.27+11.11%Beat+11.1%
    Mar 19
    		$0.29$0.03+866.67%Beat-14.7%
    Dec 18
    		$0.13N/AN/ABeat+167.3%
    Sep 18
    		$-0.29N/AN/ABeat-1679.1%
    Jun 18
    		$0.27N/AN/ABeat+577.9%
    Mar 18
    		$0.34N/AN/ABeat+41.7%
    Dec 17
    		$-0.19N/AN/ABeat-31.2%
    Sep 17
    		$-0.02N/AN/ABeat-108.2%
    Jun 17
    		$-0.06N/AN/ABeat-
    Mar 17
    		$0.24N/AN/ABeat-
    Dec 16
    		$-0.15N/AN/ABeat-
    Sep 16
    		$0.20N/AN/ABeat-

    Dividends

    Dividend Metrics

    Yield1.28%
    Annual/Share$0.40
    Payout Ratio3.40%
    Frequency4
    Pay MonthsMay, Aug
    View CARE's full dividend history

    Key Metrics

    Valuation
    P/E Ratio19.52EV/EBITDAN/A
    Price/FCF11.61xFCF Yield8.61%
    Profitability
    Profit Margin44.90%Operating Margin55.00%
    ROE27.20%ROICN/A
    Financial Health
    Debt/EquityN/AInterest Coverage1.74x
    Current RatioN/AQuick RatioN/A
    Trading Statistics
    Beta0.52Avg Volume369.25K
    52-Week High$35.9552-Week Low$16.67

    Technical Indicators Dashboard

    Moving Averages

    SMA 10$31.35
    SMA 20$32.21
    SMA 50$32.75
    SMA 200$24.93
    EMA 10$31.60
    EMA 20$31.99
    EMA 50$31.70
    EMA 200$26.43

    MACD

    Line: -0.41Signal: -0.32Hist: -0.09

    ADX

    ADX: 25.9+DI: 18.2-DI: 25.8

    Aroon & PSAR

    Aroon Up24.0
    Aroon Down72.0
    PSAR$32.80

    Bollinger Bands

    Upper Band$34.78
    Lower Band$29.64
    %B Position1597%(Upper)
    Band Width0.31

    RSI (14-Day)

    Neutral
    42.1

    Momentum Oscillators

    Stoch %K43.8
    Stoch %D40.7
    Williams %R-69.0
    ROC (10d)-2.5%
    Momentum-0.79
    CCI (20d)-66.7
    MFI (14d)58.6

    Volatility Measures

    ATR (14d)$0.88(2.8%)
    StdDev (20d)1.29
    Hist Vol26.2%(Moderate)

    Volume Flow

    VWAP$31.27
    OBV16.5M
    AD Line-20.1M
    CMF (20d)-0.275

    Volume Metrics

    Avg Vol (20d)360.5K
    Vol Ratio0.7x
    VWMA (20d)$32.36

    Pivot Points

    R3$33.06
    R2$32.67
    R1$32.07
    Pivot Point$31.69
    S1$31.09
    S2$30.70
    S3$30.10

    Advanced Oscillators

    TSI-12.82
    Ultimate Osc49.9
    KST-57.47

    Financial Data

    QuarterJun 2026Mar 2026Dec 2025Sep 2025Jun 2025Mar 2025Dec 2024Sep 2024Jun 2024Mar 2024Dec 2023Sep 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$32.66M
    Cost of RevenueN/A$-10,884,000$22.44M$28.68M$22.72M$23.73M$22.32M$27.56M$26.75M$25.60M$27.93M$22.47M
    Gross ProfitN/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 IncomeN/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 and Subsidiary Successfully Settle Lawsuit Filed by Justice Family

    Carter Bankshares, Inc. announced the voluntary dismissal with prejudice of a lawsuit filed by James C. Justice, II and affiliated parties against the company and its subsidiary, Carter Bank & Trust. The lawsuit was originally filed in the Circuit Court of Greenbrier County, West Virginia. The dismissal was confirmed in a Form 8-K filing on August 17, 2026.

    Kalkine Media•8/18/26•
    Bullish

    Carter Bankshares lawsuit voluntarily dismissed with prejudice

    Carter Bankshares announced that a lawsuit filed against it by James C. Justice II and related parties in Greenbrier County was voluntarily dismissed with prejudice. This dismissal prevents the Justice Parties from refiling the same claims in that court, resolving the claims against Carter Bankshares and its subsidiary Carter Bank & Trust. The information is based on an SEC filing from August 17, 2026.

    TradingView•8/17/26•
    Bullish

    Fourthstone group updates minimal Carter Bankshares (CARE) stake in Schedule 13G/A

    Fourthstone LLC and related entities have filed an amended Schedule 13G/A for Carter Bankshares (CARE), reporting a beneficial ownership of 100 shares, which constitutes 0.00% of the company's outstanding common stock. This filing indicates that the shares were acquired in the ordinary course of business for advisory clients and not to influence control of Carter Bankshares. The reporting group confirms ownership of 5% or less of the class, aligning with passive investment disclosure requirements.

    Stock Titan•8/14/26•
    Neutral

    Form 8K Carter Bank and Trust For: 11 August By Investing.com

    This article reports on the filing of a Form 8K by Carter Bank and Trust for August 11. Form 8K filings are used by public companies to announce major events that shareholders should know about. The brief article provides no further details on the specific content of the filing.

    Investing.com Nigeria•8/12/26•
    Neutral

    Carter Bankshares, Inc. Establishes Dividend Reinvestment and Stock Purchase Plan

    Carter Bankshares, Inc. (NASDAQ:CARE) has announced the establishment of a Dividend Reinvestment and Stock Purchase Plan, offering up to 1,000,000 shares to existing shareholders. The plan allows participants to purchase additional common stock through dividend reinvestment and cash purchases, with administration handled by Computershare Trust Company, N.A. The first eligible dividend reinvestment will occur after August 24, 2026.

    The Avery Journal-Times•8/12/26•
    Bullish

    Frequently Asked Questions About CARE

    What is CARE's current dividend yield?
    Carter Bank and Trust (CARE) has a current dividend yield of 1.28%.
    Does CARE pay dividends?
    Yes, Carter Bank and Trust pays dividends with a current yield of 1.28%.
    What is CARE's P/E ratio?
    Carter Bank and Trust has a price-to-earnings (P/E) ratio of 19.52.
    What is CARE's market cap?
    Carter Bank and Trust (CARE) has a market capitalization of $728.97M with a current stock price of $31.24.

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