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Carter Bankshares, Inc. CARE

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29.26 USD +0.72 (+2.52%)

At closeNov 4, 2026, 4:01 PM EST

29.26 0.00 0.00%

After hours · Nov 4, 4:01 PM ET

29.00 Day range 29.79
16.86 52-week range 36.06
YTD
+48.83%
1 year
+69.52%

Financial health

Altman Z-Score

0.60 Distress zone

Bankruptcy-risk model: below 1.81 distress, above 2.99 safe.

Piotroski F-Score

6 / 9 Average

Nine pass/fail tests of profitability, leverage and efficiency.

FMP rating

A+4 / 5 overall

  • DCF 3
  • Return on Equity 5
  • Return on Assets 5
  • Debt / Equity 4
  • P/E 4
  • P/B 3

Valuation

P/E 14.0×
FY 2016: 21.6×FY 2017: -581×FY 2018: 33.1×FY 2019: 23.5×FY 2020: -6.2×FY 2021: 12.8×FY 2022: 8.2×FY 2023: 15.0×FY 2024: 16.6×FY 2025: 14.0×
FY 2016 5y median 14.0× FY 2025
P/S 1.7×
FY 2016: 2.4×FY 2017: 3.2×FY 2018: 2.5×FY 2019: 3.7×FY 2020: 1.7×FY 2021: 2.6×FY 2022: 2.3×FY 2023: 1.6×FY 2024: 1.7×FY 2025: 1.7×
FY 2016 5y median 1.7× FY 2025
P/B 1.1×
FY 2016: 0.8×FY 2017: 1.1×FY 2018: 0.9×FY 2019: 1.3×FY 2020: 0.6×FY 2021: 1.0×FY 2022: 1.2×FY 2023: 1.0×FY 2024: 1.1×FY 2025: 1.1×
FY 2016 5y median 1.1× FY 2025
P/FCF 13.9×
FY 2016: 10.9×FY 2017: 11.2×FY 2018: 11.2×FY 2019: 20.9×FY 2020: -117×FY 2021: 5.9×FY 2022: 6.3×FY 2023: 9.4×FY 2024: 14.2×FY 2025: 13.9×
FY 2016 5y median 9.4× FY 2025
EV/EBITDA 10.8×
FY 2016: -16.7×FY 2017: -12.5×FY 2018: 5.4×FY 2019: 15.4×FY 2020: -1.9×FY 2021: 3.2×FY 2022: 8.3×FY 2023: 19.6×FY 2024: 9.2×FY 2025: 10.8×
FY 2016 5y median 9.2× FY 2025
EV/Sales 2.0×
FY 2016: -2.4×FY 2017: 1.3×FY 2018: 0.6×FY 2019: 3.0×FY 2020: 0.5×FY 2021: 0.9×FY 2022: 3.1×FY 2023: 3.2×FY 2024: 1.5×FY 2025: 2.0×
FY 2016 5y median 2.0× FY 2025
FCF Yield 7.2%
FY 2016: 9.2%FY 2017: 8.9%FY 2018: 8.9%FY 2019: 4.8%FY 2020: -0.9%FY 2021: 17.0%FY 2022: 15.9%FY 2023: 10.6%FY 2024: 7.0%FY 2025: 7.2%
FY 2016 5y median 10.6% FY 2025

Profitability

Gross Margin 61.7%
FY 2016: 56.3%FY 2017: 44.4%FY 2018: 65.2%FY 2019: 70.2%FY 2020: 67.1%FY 2021: 84.1%FY 2022: 87.1%FY 2023: 62.0%FY 2024: 57.3%FY 2025: 61.7%
FY 2016 5y median 62.0% FY 2025
Operating Margin 15.7%
FY 2016: 12.0%FY 2017: -12.6%FY 2018: 9.1%FY 2019: 16.5%FY 2020: -27.5%FY 2021: 22.8%FY 2022: 34.4%FY 2023: 13.6%FY 2024: 12.9%FY 2025: 15.7%
FY 2016 5y median 15.7% FY 2025
Net Margin 12.3%
FY 2016: 10.9%FY 2017: -0.5%FY 2018: 7.5%FY 2019: 15.8%FY 2020: -28.0%FY 2021: 20.2%FY 2022: 28.0%FY 2023: 11.0%FY 2024: 10.2%FY 2025: 12.3%
FY 2016 5y median 12.3% FY 2025
ROE 7.5%
FY 2016: 3.7%FY 2017: -0.2%FY 2018: 2.7%FY 2019: 5.6%FY 2020: -10.4%FY 2021: 7.8%FY 2022: 15.3%FY 2023: 6.7%FY 2024: 6.4%FY 2025: 7.5%
FY 2016 5y median 7.5% FY 2025
ROIC 4.9%
FY 2016: 3.6%FY 2017: -0.2%FY 2018: 2.7%FY 2019: 5.3%FY 2020: -9.1%FY 2021: 7.3%FY 2022: 8.8%FY 2023: 3.0%FY 2024: 4.8%FY 2025: 4.9%
FY 2016 5y median 4.9% FY 2025
ROA 0.6%
FY 2016: 0.4%FY 2017: -0.0%FY 2018: 0.3%FY 2019: 0.7%FY 2020: -1.1%FY 2021: 0.8%FY 2022: 1.2%FY 2023: 0.5%FY 2024: 0.5%FY 2025: 0.6%
FY 2016 5y median 0.6% FY 2025

Growth (YoY)

Revenue 6.2%
FY 2016: -10.9%FY 2017: -1.6%FY 2018: 9.4%FY 2019: 6.6%FY 2020: -2.7%FY 2021: -4.5%FY 2022: 14.6%FY 2023: 18.2%FY 2024: 13.1%FY 2025: 6.2%
FY 2016 FY 2025
Operating Income 29.6%
FY 2016: -64.3%FY 2017: -203.3%FY 2018: 178.6%FY 2019: 94.2%FY 2020: -262.3%FY 2021: 179.2%FY 2022: 72.9%FY 2023: -53.5%FY 2024: 7.5%FY 2025: 29.6%
FY 2016 FY 2025
EPS (diluted) 32.1%
FY 2016: -59.1%FY 2017: -104.9%FY 2018: 1600.0%FY 2019: 124.4%FY 2020: -272.3%FY 2021: 169.0%FY 2022: 69.2%FY 2023: -50.7%FY 2024: 6.0%FY 2025: 32.1%
FY 2016 FY 2025
Free Cash Flow 10.4%
FY 2016: -40.0%FY 2017: 28.0%FY 2018: -14.6%FY 2019: -14.2%FY 2020: -108.1%FY 2021: 2958.2%FY 2022: -6.0%FY 2023: -43.1%FY 2024: -22.0%FY 2025: 10.4%
FY 2016 FY 2025

Financial Health

Current Ratio 0.1×
FY 2016: 0.2×FY 2017: 0.3×FY 2018: 0.3×FY 2019: 0.2×FY 2020: 0.3×FY 2021: 0.3×FY 2022: 0.2×FY 2023: 0.2×FY 2024: 0.2×FY 2025: 0.1×
FY 2016 5y median 0.2× FY 2025
Quick Ratio 0.1×
FY 2016: 0.2×FY 2017: 0.3×FY 2018: 0.3×FY 2019: 0.2×FY 2020: 0.3×FY 2021: 0.3×FY 2022: 0.2×FY 2023: 0.2×FY 2024: 0.2×FY 2025: 0.1×
FY 2016 5y median 0.2× FY 2025
Debt / Equity 0.4×
FY 2016: 0.0×FY 2017: 0.0×FY 2018: 0.0×FY 2019: 0.0×FY 2020: 0.1×FY 2021: 0.0×FY 2022: 0.6×FY 2023: 1.1×FY 2024: 0.2×FY 2025: 0.4×
FY 2016 5y median 0.4× FY 2025
Net Debt / EBITDA 1.5×
FY 2016: -33.2×FY 2017: 17.8×FY 2018: -16.3×FY 2019: -3.5×FY 2020: 5.3×FY 2021: -6.5×FY 2022: 2.2×FY 2023: 9.7×FY 2024: -1.6×FY 2025: 1.5×
FY 2016 5y median 1.5× FY 2025
Interest Coverage 0.4×
FY 2016: 0.4×FY 2017: -0.5×FY 2018: 0.4×FY 2019: 0.6×FY 2020: -1.3×FY 2021: 1.6×FY 2022: 3.0×FY 2023: 0.4×FY 2024: 0.3×FY 2025: 0.4×
FY 2016 5y median 0.4× FY 2025

Dividends

Dividend Yield 0.0%
FY 2016: 2.3%FY 2017: 0.0%FY 2018: 0.0%FY 2019: 0.0%FY 2020: 1.3%FY 2021: 0.0%FY 2022: 0.0%FY 2023: 0.0%FY 2024: 0.0%FY 2025: 0.0%
FY 2016 5y median 0.0% FY 2025
Payout Ratio 0.0%
FY 2016: 49.3%FY 2017: 0.0%FY 2018: 0.0%FY 2019: 0.0%FY 2020: -8.0%FY 2021: 0.0%FY 2022: 0.0%FY 2023: 0.0%FY 2024: 0.0%FY 2025: 0.0%
FY 2016 5y median 0.0% FY 2025

Annual · latest fiscal year ends 2025-12-31