Carter Bankshares, Inc. (CARE) stock
CARENasdaqNational Commercial BanksFiscal year ends December 31
Financials through Q3 FY2026, quarter ended Sep 30, 2026Last filing: 10-Q on Nov 5, 2026Score 15/3042% below fair value
$29.32+0.22 (+0.76%)
Close on Nov 13, 2026Market cap $649.85MP/E 5.0Yield –
Carter Bankshares statistics
82 measures from SEC filings and the closing price. Hover a name for the formula; the last column is the median of companies in the same industry group.
Important dates
- Next earnings
- Jan 28, 2027 (estimated, before the open)
- Last ex-dividend date
- Nov 9, 2026
- Fundamentals through
- Sep 30, 2026
- Share price as of
- Nov 13, 2026
Valuation ratiosIndustry
- P/TBV Ratio
- 1.24
- 1.52
- P/OCF Ratio
- 11.41
- 9.82
Enterprise valuationIndustry
- EV / Sales
- 2.10
- 2.95
- EV / FCF
- 11.31
- 8.49
Share statisticsIndustry
- Shares Change (YoY)
- -3.82%
- 0.33%
- Shares Change (QoQ)
- -0.32%
- 0.00%
- Float
- 21M
- 17M
- Shares Held by Insiders
- 4.37%
- 6.05%
- Shares Held by Institutions
- 65.5%
- 61.3%
Short sellingIndustry
- Short Interest
- 2M
- –
- Short Interest Change
- -3.23%
- -4.13%
- Short % of Float
- 11.4%
- 3.58%
- Short % of Shares Outstanding
- 10.9%
- 3.18%
- Days to Cover
- 14.59
- 4.85
Stock price statisticsIndustry
- 52-Week High
- $36.06
- –
- 52-Week Low
- $16.86
- –
- 20-Day Moving Average
- $29.62
- –
- 50-Day Moving Average
- $30.18
- –
- 200-Day Moving Average
- $27.91
- –
- Average True Range (14)
- $0.71
- –
- Price Change (1 Week)
- 2.20%
- 0.69%
- Price Change (1 Month)
- -3.27%
- 3.79%
- Price Change (3 Months)
- -8.46%
- -2.72%
- Price Change (6 Months)
- 11.9%
- 12.2%
- Price Change (YTD)
- 49.1%
- 19.9%
- Price Change (1 Year)
- 66.8%
- 25.7%
- Price Change (3 Years)
- 123.6%
- 65.1%
- Price Change (5 Years)
- 83.3%
- 26.9%
- Price Change (10 Years)
- 130.0%
- 66.8%
- Average Volume (10 Days)
- 206,095
- –
- Average Volume (20 Days)
- 188,691
- –
- Average Volume (90 Days)
- 280,533
- –
- Relative Volume
- 0.44
- 0.68
- Relative Strength Index (14)
- 45.9
- 53.1
- Volatility (1 Year)
- 25.4%
- 24.4%
- Beta (5 Years)
- 0.60
- 0.63
MarginsIndustry
- Pretax Margin
- 63.0%
- 37.0%
- FCF Margin
- 18.5%
- 33.9%
Returns on capitalIndustry
- Return on Equity (ROE)
- 27.9%
- 10.7%
- Return on Assets (ROA)
- 2.74%
- 1.16%
GrowthIndustry
- Revenue Growth (YoY)
- 76.9%
- 11.7%
- Net Income Growth (YoY)
- 320.1%
- 22.6%
- EPS Growth (YoY)
- 335.3%
- 21.6%
- FCF Growth (YoY)
- 55.7%
- 27.2%
- Revenue Growth (3Y CAGR)
- 3.48%
- 5.82%
- Revenue Growth (5Y CAGR)
- 2.46%
- 6.17%
- EPS Growth (3Y CAGR)
- -12.1%
- 1.31%
EfficiencyIndustry
- Asset Turnover
- 0.05
- 0.04
- Revenue Per Employee
- $380.83K
- $358.92K
- Profits Per Employee
- $190.55K
- $110.51K
- Employee Count
- 687
- 492
- WACC
- 8.08%
- 8.13%
Income statement (TTM)Industry
- Pretax Income
- $164.73M
- $74.07M
Balance sheetIndustry
- Net Cash (Debt)
- $101.73M
- $165.09M
- Net Cash Per Share
- $4.59
- $8.07
- Equity (Book Value)
- $526.92M
- $570.13M
- Book Value Per Share
- $23.77
- $28.12
- Tangible Book Value
- $524.97M
- $478.27M
Cash flow (TTM)Industry
- Capital Expenditures
- -$8.50M
- -$4.24M
- FCF Per Share
- $2.19
- $3.37
Dividends and yieldsIndustry
- Earnings Yield
- 20.1%
- 8.29%
- FCF Yield
- 7.46%
- 9.18%
Taxes and interestIndustry
- Income Tax
- $33.82M
- $16.14M
- Effective Tax Rate
- 20.5%
- 21.1%
Scores and fair valueIndustry
- Graham Number
- $56.27
- $45.07
- Graham Upside
- 91.9%
- 18.8%
- Altman Z-Score
- 0.29
- 0.22
- Piotroski F-Score
- 7
- 6
Total return vs. the S&P 500
Price change plus reinvested dividends, to the close on Nov 13, 2026. The S&P 500 is measured by the SPY fund.
| Period | CARE | S&P 500 | Difference | CARE per year | S&P 500 per year |
|---|---|---|---|---|---|
| 1 month | -2.5% | -3.0% | +0.5 pts | ||
| 3 months | -10.0% | -2.8% | −7.2 pts | ||
| Year to date | +50.7% | +11.5% | +39.2 pts | ||
| 1 year | +69.7% | +13.5% | +56.2 pts | ||
| 3 years | +146.9% | +77.7% | +69.2 pts | +35.2% | +21.1% |
| 5 years | +85.2% | +72.6% | +12.5 pts | +13.1% | +11.5% |
| 10 years | +137.7% | +308.2% | −170.4 pts | +9.0% | +15.1% |
Short interest
Shares sold short and not yet covered, reported by brokers to FINRA twice a month. Latest settlement date Oct 30, 2026.
2M CARE shares were sold short on Oct 30, 2026, down 3.2% from the previous report, or 11.36% of the shares available to trade. At recent volumes it would take 14.6 days to buy them back. Over the last 20 sessions, 50.5% of the volume reported to FINRA was short selling.
| Settlement date | Shares short | Change | Avg. daily volume | Days to cover |
|---|---|---|---|---|
| Oct 30, 2026 | 2,407,360 | -3.2% | 165,036 | 14.6 |
| Oct 15, 2026 | 2,487,705 | -6.3% | 153,508 | 16.2 |
| Sep 30, 2026 | 2,654,439 | +18.2% | 317,554 | 8.4 |
| Sep 15, 2026 | 2,246,037 | +6.8% | 216,103 | 10.4 |
| Aug 31, 2026 | 2,102,923 | +1.4% | 288,642 | 7.3 |
| Aug 14, 2026 | 2,072,878 | +5.1% | 450,005 | 4.6 |
| Jul 31, 2026 | 1,973,219 | +5.9% | 415,492 | 4.8 |
| Jul 15, 2026 | 1,863,874 | -2.9% | 346,382 | 5.4 |
| Jun 30, 2026 | 1,919,982 | +34.0% | 562,456 | 3.4 |
| Jun 15, 2026 | 1,433,246 | +21.8% | 311,128 | 4.6 |
| May 29, 2026 | 1,176,856 | +7.4% | 253,157 | 4.7 |
| May 15, 2026 | 1,095,348 | +14.3% | 304,367 | 3.6 |
Ratios use trailing-twelve-month results and the latest balance sheet. How we calculate.
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