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Carter Bankshares, Inc. (CARE)
NASDAQ: CARE · Real-Time Price · USD
31.12
-0.24 (-0.77%)
Sep 9, 2026, 12:27 PM EDT - Market open

Carter Bankshares Financials Overview

Millions USD. Fiscal year is Jan - Dec.

Revenue & Profits
Chart
Fiscal YearTTMFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingJun '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Revenue
286.21157.06140.87134.19158.1136.28
Revenue Growth
86.92%11.49%4.98%-15.12%16.01%21.13%
Net Income
126.883124.2823.1949.8231.46
Earnings Per Share
5.771.381.061.002.031.19
EPS Growth
324.79%30.19%6.25%-50.75%70.22%-

Cash & Debt
Chart
Fiscal YearCurrentFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingJun '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Cash & Investments
219.47115.35148.5371.9769.84281.31
Total Debt
11.39199.5287.71410.63220.9614.08
Net Cash (Debt)
208.07-84.1760.82-338.66-151.12267.23
Net Cash Growth
-----32.70%
Net Cash Per Share
9.48-3.752.67-14.57-6.1410.14

Cash Flow & CapEx
Chart
Fiscal YearTTMFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingJun '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Operating Cash Flow
67.2639.8636.9446.7370.7977.54
Capital Expenditures
-8.5-8.06-8.13-9.8-5.89-8.48
Free Cash Flow
58.7631.8128.8136.9364.969.05
Free Cash Flow Growth
100.66%10.42%-22.00%-43.09%-6.01%-

Margins
Chart
Fiscal YearTTMFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingJun '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Profit Margin
44.33%19.74%17.23%17.28%31.51%23.09%
FCF Margin
20.53%20.25%20.45%27.52%41.05%50.67%

Dividends
Chart
Fiscal YearCurrentFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingSep '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Dividend Per Share
0.400-----
Dividend Per Share Growth
0%-----
Dividend Yield
1.28%-----

Valuation
Chart
Fiscal YearCurrentFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingSep '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
PE Ratio
5.4214.0116.7214.828.0312.94
Forward PE
13.376.876.2214.266.9211.46
P/FCF Ratio
11.8313.6514.099.316.165.90
PS Ratio
2.432.772.882.562.532.99