Carter Bankshares, Inc. (CARE)
NASDAQ: CARE · Real-Time Price · USD
34.13
-0.38 (-1.10%)
Jul 30, 2026, 4:00 PM EDT - Market closed
Carter Bankshares Cash Flow Statement
Financials in millions USD. Fiscal year is January - December.
Millions USD. Fiscal year is Jan - Dec.
Operating Activities
Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Mar '26 Mar 31, 2026 | Dec '25 Dec 31, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 |
Net Income | 108.17 | 31.36 | 24.52 | 23.38 | 50.12 | 31.59 |
Depreciation & Amortization | 11.01 | 11.03 | 10.65 | 12.6 | 11.81 | 11.03 |
Provision for Credit Losses | -35.83 | -3.83 | -5.05 | 6.4 | 2.93 | 2.08 |
Stock-Based Compensation | 2.11 | 2.07 | 1.75 | 1.56 | 1.31 | 1.04 |
Net Change in Loans Held-for-Sale | -0.19 | -0.18 | 0.14 | 0.11 | 2.14 | 25.57 |
Other Adjustments | 230.94 | -0.12 | 1.62 | 2.72 | 1.85 | -0.77 |
Changes in Other Operating Activities | 21.33 | -0.47 | 3.3 | -0.05 | 0.64 | 6.99 |
Operating Cash Flow | 337.4 | 39.86 | 36.94 | 46.73 | 70.79 | 77.54 |
Operating Cash Flow Growth | 1213.87% | 7.92% | -20.95% | -33.99% | -8.70% | 906.46% |
Investing Activities
Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Mar '26 Mar 31, 2026 | Dec '25 Dec 31, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 |
Net Change in Loans Held-for-Investment | -253.35 | -255.3 | -135.89 | -359.41 | -342.88 | 119.45 |
Net Change in Securities and Investments | 63.25 | 52.25 | 56.28 | 67.29 | -31.16 | -159.4 |
Cash Acquisitions | - | - | - | - | - | -73.92 |
Proceeds from Business Divestments | - | - | - | 53.57 | - | - |
Capital Expenditures | -8.07 | -8.06 | -8.13 | -9.8 | -5.89 | -8.48 |
Sale of Property, Plant & Equipment | - | - | - | - | 0.41 | - |
Other Investing Activities | -0.21 | 1.63 | 19.34 | -5.09 | -2.55 | 16 |
Investing Cash Flow | -101.48 | -155.91 | -68.4 | -307.01 | -382.07 | -106.36 |
Financing Activities
Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Mar '26 Mar 31, 2026 | Dec '25 Dec 31, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 |
Net Change in Deposits | -21.6 | 1.54 | 431.51 | 89.38 | -68.14 | 92.83 |
Net Change in Short-Term Interbank Borrowing and Repurchase Agreements | - | - | - | -17.87 | 17.87 | - |
Long-Term Debt Issued | 217 | 610 | 1,870 | 3,442 | 300.55 | -28 |
Long-Term Debt Repaid | -939 | -501.5 | -2,193 | -3,229 | -127 | - |
Net Long-Term Debt Issued (Repaid) | -722 | 108.5 | -323.4 | 212.85 | 173.55 | -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 | -96.6 | 90.04 | 108.11 | 267.94 | 80.35 | 64.67 |
Net Cash Flow
Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Mar '26 Mar 31, 2026 | Dec '25 Dec 31, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 |
Net Cash Flow | 139.32 | -26.01 | 76.64 | 7.66 | -230.93 | 35.86 |
Free Cash Flow
Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Mar '26 Mar 31, 2026 | Dec '25 Dec 31, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 |
Free Cash Flow | 329.33 | 31.81 | 28.81 | 36.93 | 64.9 | 69.05 |
Free Cash Flow Growth | 1800.47% | 10.42% | -22.00% | -43.09% | -6.01% | - |
FCF Margin | 170.20% | 20.28% | 20.45% | 27.34% | 40.76% | 50.51% |
Free Cash Flow Per Share | 14.83 | 1.42 | 1.26 | 1.59 | 2.64 | 2.62 |