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Carter Bankshares, Inc.
Carter Bankshares, Inc. (CARE) is listed on NASDAQ and classified in Banks - Regional, part of the Financial Services sector. It is headquartered in Martinsville, United States and has 687 employees. The company is worth $699.78M and trades at 5.2x its earnings of the last twelve months; the median for its sector is 13.2x. Revenue was $153.22M in fiscal 2025, up 12.8% from the year before. Net income was $31.36M. The share price is 16.2% below its 52-week high of $36.06. It pays a dividend yielding 0.66%. 4 of the 38 superinvestors we track held it at the end of Q2 2026. The largest position belongs to Cliff Asness (AQR Capital Management), at $10.19M. In that quarter, 2 of them opened or added to the position and 2 reduced it. No open-market insider trades in it were filed over the last 30 days.
Written from the data on this page: SEC filings (13F, Form 4, annual reports) and market prices.
Year by year, from the annual reports; dividends from the payments themselves.
Bars are year-end balances; lines are what happened during the year.
Major managers that reported this stock in their latest 13F.
▲ +108.2% over 5Y.
today you would have $2,030.53▲ +103.1%
Dividends reinvested, splits accounted for. Past prices say what happened, not what will.
The last 7 closed years, each at that year’s closing price and reported numbers.
| Indicator | Median | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 |
|---|---|---|---|---|---|---|---|---|
| Year-end price | $19.66 | $17.59 | $14.97 | $16.59 | $15.39 | $10.72 | $23.72 | |
| P/E | 14.6x | 14.2x | 16.6x | 15.0x | 8.2x | 12.9x | — | 23.5x |
| P/S | 2.8x | 2.8x | 3.0x | 2.5x | 2.5x | 2.8x | 2.1x | 4.8x |
| P/B |
Seven formulas applied to the reported numbers, each with its assumption next to the result. None of them predicts a price.
Square root of 22.5 × earnings × book value. Blind to intangibles, so it undervalues software and brands.
Earnings growing 3.8% a year plus a 0.7% dividend yield. Growth capped at 25%.
Median P/E of 13.2 among peers in the sector.
Median P/E of 14.6 across this company’s own years on record.
Cash flow growing 3.8% a year for 10 years, discounted at 10%, then 2.5% forever.
This formula has no meaning here — usually a loss, negative cash flow, or a missing input.
This formula has no meaning here — usually a loss, negative cash flow, or a missing input.
Companies of similar size in Financial Services, for comparison. The columns are the same ones above, in the same order.
| Stock | Price | P/E | P/B | Dividend yield | ROE | Market cap |
|---|---|---|---|---|---|---|
| BCALCalifornia BanCorp \ CA | $21.76 | 11.8x | 1.2x | 2.21% | 10.62% | $699.6M |
| CWBCCommunity West Bancshares | $25.75 | 14.6x | 1.1x | 1.86% | 7.33% | $698.63M |
| GDOTGreen Dot Corp | $12.39 | — | 0.8x | 0.00% | -2.79% | $706.05M |
| AROWArrow Financial Corp | $38.15 |
| 1.0x |
| 1.0x |
| 1.1x |
| 1.0x |
| 1.2x |
| 1.0x |
| 0.6x |
| 1.3x |
| EPS | $1.38 | $1.06 | $1.00 | $2.03 | $1.19 | -$1.74 | $1.01 |
| Dividend yield | — | — | — | — | — | — | 1.31% | — |
| Profit margin | 20.47% | 20.47% | 18.05% | 16.63% | 31.00% | 22.55% | -34.82% | 20.57% |
| ROE | 6.66% | 7.47% | 6.38% | 6.66% | 15.25% | 7.75% | -10.42% | 5.62% |
Median of the years shown; P/E years above 200x are left out.
The average of the method families that answered, not of the seven numbers: four of the seven start from the same earnings per share.
5 methods answered, across 2 families.
Room for errors in the reported numbers.
+30.7% from the average.
Models, not forecasts, and not investment advice. How each formula works →
| 12.0x |
| 1.4x |
| 3.15% |
| 12.00% |
| $706.68M |
| TCBXThird Coast Bancshares, Inc. | $41.50 | 10.3x | 1.0x | 0.00% | 12.74% | $691.18M |
| BTGOBitgo Holdings Inc | $5.88 | — | 1.6x | 0.00% | -27.94% | $691.17M |