Carter Bankshares, Inc. (CARE)

Accolade Statistics

Total Valuation

CARE has a market cap or net worth of $384.03 million. The enterprise value is $397.62 million.

Market Cap	384.03M
Enterprise Value	397.62M

Important Dates

The last earnings date was Thursday, July 24, 2025, before market open.

Earnings Date	Jul 24, 2025
Ex-Dividend Date	n/a

Share Statistics

CARE has 22.67 million shares outstanding. The number of shares has increased by 0.08% in one year.

Current Share Class	22.67M
Shares Outstanding	22.67M
Shares Change (YoY)	+0.08%
Shares Change (QoQ)	-0.30%
Owned by Insiders (%)	3.69%
Owned by Institutions (%)	49.53%
Float	21.83M

Valuation Ratios

The trailing PE ratio is 12.46 and the forward PE ratio is 6.01.

PE Ratio	12.46
Forward PE	6.01
PS Ratio	2.53
Forward PS	2.30
PB Ratio	0.95
P/TBV Ratio	0.95
P/FCF Ratio	n/a
P/OCF Ratio	n/a
PEG Ratio	n/a

Enterprise Valuation

EV / Earnings	12.78
EV / Sales	2.60
EV / EBITDA	n/a
EV / EBIT	n/a
EV / FCF	n/a

Financial Position

Current Ratio	n/a
Quick Ratio	n/a
Debt / Equity	n/a
Debt / EBITDA	n/a
Debt / FCF	n/a
Interest Coverage	n/a

Financial Efficiency

Return on equity (ROE) is 8.15%.

Return on Equity (ROE)	8.15%
Return on Assets (ROA)	0.67%
Return on Invested Capital (ROIC)	n/a
Return on Capital Employed (ROCE)	n/a
Revenue Per Employee	$225,176
Profits Per Employee	$45,771
Employee Count	680
Asset Turnover	n/a
Inventory Turnover	n/a

Taxes

In the past 12 months, CARE has paid $8.10 million in taxes.

Income Tax	8.10M
Effective Tax Rate	20.53%

Stock Price Statistics

The stock price has increased by +3.99% in the last 52 weeks. The beta is 0.82, so CARE's price volatility has been lower than the market average.

Beta (5Y)	0.82
52-Week Price Change	+3.99%
50-Day Moving Average	17.21
200-Day Moving Average	17.22
Relative Strength Index (RSI)	39.17
Average Volume (20 Days)	80,189

Short Selling Information

The latest short interest is 686,416, so 3.03% of the outstanding shares have been sold short.

Short Interest	686,416
Short Previous Month	714,675
Short % of Shares Out	3.03%
Short % of Float	3.14%
Short Ratio (days to cover)	6.51

Income Statement

In the last 12 months, CARE had revenue of $153.12 million and earned $31.12 million in profits. Earnings per share was $1.36.

Revenue	153.12M
Gross Profit	153.12M
Operating Income	45.29M
Pretax Income	n/a
Net Income	31.12M
EBITDA	n/a
EBIT	n/a
Earnings Per Share (EPS)	$1.36

Balance Sheet

The company has $99.91 million in cash and $113.50 million in debt, giving a net cash position of -$13.60 million or -$0.60 per share.

Cash & Cash Equivalents	99.91M
Total Debt	113.50M
Net Cash	-13.60M
Net Cash Per Share	-$0.60
Equity (Book Value)	405.64M
Book Value Per Share	17.89
Working Capital	-4.12B

Cash Flow

Operating Cash Flow	n/a
Capital Expenditures	n/a
Free Cash Flow	n/a
FCF Per Share	n/a

Margins

Gross Margin	n/a
Operating Margin	29.58%
Pretax Margin	25.78%
Profit Margin	20.49%
EBITDA Margin	n/a
EBIT Margin	n/a
FCF Margin	n/a

Dividends & Yields

CARE does not appear to pay any dividends at this time.

Dividend Per Share	n/a
Dividend Yield	n/a
Dividend Growth (YoY)	n/a
Years of Dividend Growth	n/a
Payout Ratio	n/a
Buyback Yield	-0.08%
Shareholder Yield	-0.08%
Earnings Yield	8.10%
FCF Yield	n/a

Analyst Forecast

The average price target for CARE is $21.50, which is 26.92% higher than the current price. The consensus rating is "Buy".

Price Target	$21.50
Price Target Difference	26.92%
Analyst Consensus	Buy
Analyst Count	2
Revenue Growth Forecast (5Y)	n/a
EPS Growth Forecast (5Y)	n/a

Fair Value

There are several formulas that can be used to estimate the intrinsic value of a stock.

Lynch Fair Value
Lynch Upside
Graham Number
Graham Upside

Stock Splits

This stock does not have any record of stock splits.

Last Split Date	n/a
Split Type	n/a
Split Ratio	n/a

Scores

Altman Z-Score	n/a
Piotroski F-Score	2