Carter Bankshares, Inc. (CARE)

Carter Bankshares Statistics

Total Valuation

CARE has a market cap or net worth of $389.30 million. The enterprise value is $355.15 million.

Market Cap	389.30M
Enterprise Value	355.15M

Important Dates

The next estimated earnings date is Thursday, July 24, 2025, before market open.

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

Share Statistics

CARE has 23.16 million shares outstanding. The number of shares has decreased by -0.64% in one year.

Current Share Class	23.16M
Shares Outstanding	23.16M
Shares Change (YoY)	-0.64%
Shares Change (QoQ)	+0.17%
Owned by Insiders (%)	3.66%
Owned by Institutions (%)	47.68%
Float	22.31M

Valuation Ratios

The trailing PE ratio is 14.02 and the forward PE ratio is 11.13.

PE Ratio	14.02
Forward PE	11.13
PS Ratio	2.62
Forward PS	2.39
PB Ratio	0.97
P/TBV Ratio	0.97
P/FCF Ratio	22.47
P/OCF Ratio	15.16
PEG Ratio	n/a

Enterprise Valuation

EV / Earnings	12.97
EV / Sales	2.42
EV / EBITDA	n/a
EV / EBIT	n/a
EV / FCF	20.49

Financial Position

Current Ratio	n/a
Quick Ratio	n/a
Debt / Equity	n/a
Debt / EBITDA	n/a
Debt / FCF	3.97
Interest Coverage	n/a

Financial Efficiency

Return on equity (ROE) is 7.27%.

Return on Equity (ROE)	7.27%
Return on Assets (ROA)	0.60%
Return on Invested Capital (ROIC)	n/a
Return on Capital Employed (ROCE)	n/a
Revenue Per Employee	$215,526
Profits Per Employee	$40,271
Employee Count	680
Asset Turnover	n/a
Inventory Turnover	n/a

Taxes

In the past 12 months, CARE has paid $7.11 million in taxes.

Income Tax	7.11M
Effective Tax Rate	20.44%

Stock Price Statistics

The stock price has increased by +32.28% in the last 52 weeks. The beta is 0.76, so CARE's price volatility has been lower than the market average.

Beta (5Y)	0.76
52-Week Price Change	+32.28%
50-Day Moving Average	15.58
200-Day Moving Average	17.17
Relative Strength Index (RSI)	66.75
Average Volume (20 Days)	84,514

Short Selling Information

The latest short interest is 658,827, so 2.84% of the outstanding shares have been sold short.

Short Interest	658,827
Short Previous Month	649,015
Short % of Shares Out	2.84%
Short % of Float	2.95%
Short Ratio (days to cover)	9.85

Income Statement

In the last 12 months, CARE had revenue of $146.56 million and earned $27.38 million in profits. Earnings per share was $1.20.

Revenue	146.56M
Gross Profit	146.56M
Operating Income	40.71M
Pretax Income	n/a
Net Income	27.38M
EBITDA	n/a
EBIT	n/a
Earnings Per Share (EPS)	$1.20

Balance Sheet

The company has $102.88 million in cash and $68.72 million in debt, giving a net cash position of $34.16 million or $1.47 per share.

Cash & Cash Equivalents	102.88M
Total Debt	68.72M
Net Cash	34.16M
Net Cash Per Share	$1.47
Equity (Book Value)	401.77M
Book Value Per Share	17.35
Working Capital	-4.14B

Cash Flow

In the last 12 months, operating cash flow was $25.68 million and capital expenditures -$8.35 million, giving a free cash flow of $17.33 million.

Operating Cash Flow	25.68M
Capital Expenditures	-8.35M
Free Cash Flow	17.33M
FCF Per Share	$0.75

Margins

Gross Margin	n/a
Operating Margin	27.78%
Pretax Margin	23.73%
Profit Margin	18.88%
EBITDA Margin	n/a
EBIT Margin	n/a
FCF Margin	11.82%

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	0.64%
Shareholder Yield	0.64%
Earnings Yield	7.03%
FCF Yield	4.45%

Analyst Forecast

The average price target for CARE is $21.50, which is 27.98% higher than the current price. The consensus rating is "Buy".

Price Target	$21.50
Price Target Difference	27.98%
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	3