CARENasdaqNational Commercial BanksFiscal year ends December 31
Carter Bankshares, Inc.
Financials through Q2 FY2026, quarter ended Jun 30, 2026Last filing: 10-Q on Aug 6, 2026
$29.75−0.46 (-1.52%)
Close on Oct 19, 2026
- Market cap
- $649.70M
- P/E (TTM)
- 5.1
- Dividend yield
- –
Carter Bankshares statistics
Financials through Jun 30, 2026, price as of Oct 19, 2026, median of National Commercial Banks companies for comparison
Valuation
| Measure | Carter Bankshares | Industry median |
|---|---|---|
| Market Cap | $659.38M | $679.86M |
| Enterprise Value | $382.84M | $408.94M |
| PE Ratio | 5.12 | 12.00 |
| PS Ratio | 2.59 | 3.61 |
| PB Ratio | 1.22 | 1.18 |
| P/TBV Ratio | 1.23 | 1.41 |
| P/FCF Ratio | 11.22 | 10.93 |
| P/OCF Ratio | 9.80 | 10.04 |
Enterprise value
| Measure | Carter Bankshares | Industry median |
|---|---|---|
| EV / Sales | 1.50 | 2.78 |
| EV / FCF | 6.52 | 8.25 |
Income (trailing twelve months)
| Measure | Carter Bankshares | Industry median |
|---|---|---|
| Revenue | $254.51M | $170.85M |
| Pretax Income | $165.51M | $70.12M |
| Net Income | $128.57M | $54.33M |
| EPS (Diluted) | $5.81 | $2.90 |
Margins
| Measure | Carter Bankshares | Industry median |
|---|---|---|
| Pretax Margin | 65.0% | 36.4% |
| Profit Margin | 50.5% | 29.1% |
| FCF Margin | 23.1% | 33.0% |
Returns
| Measure | Carter Bankshares | Industry median |
|---|---|---|
| Return on Equity (ROE) | 27.2% | 10.5% |
| Return on Assets (ROA) | 2.68% | 1.12% |
Growth
| Measure | Carter Bankshares | Industry median |
|---|---|---|
| Revenue Growth (YoY) | 77.9% | 11.8% |
| Net Income Growth (YoY) | 309.8% | 23.1% |
| EPS Growth (YoY) | 327.2% | 22.7% |
| FCF Growth (YoY) | 100.7% | 27.1% |
| Revenue Growth (3Y CAGR) | 3.48% | 5.82% |
| Revenue Growth (5Y CAGR) | 2.46% | 6.17% |
| EPS Growth (3Y CAGR) | -12.1% | 1.26% |
Balance sheet
| Measure | Carter Bankshares | Industry median |
|---|---|---|
| Cash & Short-Term Investments | $276.54M | $205.54M |
| Net Cash (Debt) | $276.54M | $164.40M |
| Net Cash Per Share | $12.48 | $8.13 |
| Equity (Book Value) | $539.15M | $560.44M |
| Book Value Per Share | $24.33 | $28.47 |
| Tangible Book Value | $537.14M | $472.29M |
Cash flow (trailing twelve months)
| Measure | Carter Bankshares | Industry median |
|---|---|---|
| Operating Cash Flow | $67.26M | $61.20M |
| Capital Expenditures | -$8.50M | -$4.02M |
| Free Cash Flow | $58.76M | $52.43M |
| FCF Per Share | $2.65 | $3.07 |
Efficiency
| Measure | Carter Bankshares | Industry median |
|---|---|---|
| Asset Turnover | 0.05 | 0.04 |
| Revenue Per Employee | $370.46K | $353.78K |
| Profits Per Employee | $187.14K | $107.28K |
| Employee Count | 687 | 489 |
Dividends and yields
| Measure | Carter Bankshares | Industry median |
|---|---|---|
| Earnings Yield | 19.5% | 8.07% |
| FCF Yield | 8.91% | 8.89% |
Shares
| Measure | Carter Bankshares | Industry median |
|---|---|---|
| Shares Outstanding | 22,163,900 | 18,839,100 |
| Shares Change (YoY) | -3.84% | 0.39% |
| Shares Change (QoQ) | 0.01% | 0.00% |
| Float | 21,195,300 | 17,061,900 |
| Shares Held by Insiders | 4.37% | 5.89% |
| Shares Held by Institutions | 65.5% | 61.9% |
Taxes
| Measure | Carter Bankshares | Industry median |
|---|---|---|
| Income Tax | $36.94M | $14.50M |
| Effective Tax Rate | 22.3% | 21.1% |
Scores
| Measure | Carter Bankshares | Industry median |
|---|---|---|
| Graham Number | $56.39 | $45.31 |
| Graham Upside | 89.5% | 21.6% |
| Altman Z-Score | 0.29 | 0.21 |
| Piotroski F-Score | 7 | 6 |
Calculated by StockData from Carter Bankshares's SEC filings and the latest closing price. Hover a measure to see its formula. The grey column is the median of companies in the same industry group (two-digit SIC code); green or red marks a better or worse value than that median.