Carter Bankshares, Inc. (CARE)
NASDAQ: CARE · Real-Time Price · USD
20.28
+0.48 (2.42%)
Mar 23, 2026, 4:00 PM EDT - Market closed

Carter Bankshares Cash Flow Statement

Millions USD. Fiscal year is Jan - Dec.
Fiscal Year
FY 2025FY 2024FY 2023FY 2022FY 2021
Period Ending
Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Net Income
31.3624.5223.3850.1231.59
Depreciation & Amortization
11.0310.6512.611.8111.03
Provision for Credit Losses
-3.83-5.056.42.932.08
Stock-Based Compensation
2.071.751.561.311.04
Net Change in Loans Held-for-Sale
-0.180.140.112.1425.57
Other Adjustments
-0.121.622.721.85-0.77
Changes in Other Operating Activities
-0.473.3-0.050.646.99
Operating Cash Flow
39.8636.9446.7370.7977.54
Operating Cash Flow Growth
7.92%-20.95%-33.99%-8.70%906.46%
Net Change in Loans Held-for-Investment
-255.3-135.89-359.41-342.88119.45
Net Change in Securities and Investments
52.2556.2867.29-31.16-159.4
Payments for Business Acquisitions
-----73.92
Proceeds from Business Divestments
--53.57--
Capital Expenditures
-8.06-8.13-9.8-5.89-8.48
Sale of Property, Plant & Equipment
---0.41-
Other Investing Activities
1.6319.34-5.09-2.5516
Investing Cash Flow
-155.91-68.4-307.01-382.07-106.36
Net Change in Deposits
1.54431.5189.38-68.1492.83
Net Change in Short-Term Interbank Borrowing and Repurchase Agreements
---17.8717.87-
Long-Term Debt Issued
6101,8703,442300.55-28
Long-Term Debt Repaid
-501.5-2,193-3,229-127-
Net Long-Term Debt Issued (Repaid)
108.5-323.4212.85173.55-28
Repurchase of Common Stock
-20--16.42-42.93-0.16
Net Common Stock Issued (Repurchased)
-20--16.42-42.93-0.16
Financing Cash Flow
90.04108.11267.9480.3564.67
Net Cash Flow
-26.0176.647.66-230.9335.86
Free Cash Flow
31.8128.8136.9364.969.05
Free Cash Flow Growth
10.42%-22.00%-43.09%-6.01%-
FCF Margin
20.25%20.45%27.52%40.89%50.05%
Free Cash Flow Per Share
1.421.261.592.642.62
Levered Free Cash Flow
142.37-293.06238.99230.2313.12
Unlevered Free Cash Flow
2.515.822.766.569.53
Updated Jan 29, 2026. Data Source: Fiscal.ai. Banks template. Financial Sources.
SEC Filings: 10-K · 10-Q