Touchstone
Last syncNov 1, 2026, 6:55 PM ET

CARE

Carter Bankshares, Inc. Financials National Commercial Banks Russell 3000
$29.00Close $640.4MMarket cap $16.84 – $35.6152-week range Jan 28, 2027Next report · estimated

Highlights

Strengths

  • Earnings growing EPS +255% year on year

Cautions

  • Trend not confirmed 6 of 8 conditions · under the 150/200-day, under the 50-day

Price

Filing Results Screen pick 52-week high and low Adjusted prices

Key figures

FY to Dec 31, 2025 · filed Aug 6, 2026
Off 12-month high 19%
1wk down 5.1% price change
1mo down 3.0% price change
12-month return up 69% market up 11% · its own up 57%
F-score — — Not assessed
Altman Z — Unknown
P/E 20.4× price / earnings
PEG 0.68 P/E / EPS growth
P/B 1.5× price / book
Earnings yield — EBIT / enterprise value
Cheaper than — of the market · not assessed
Revenue growth up 5% year on year
EPS growth up 255% latest quarter · -648 pts
Sales growth up 84% latest quarter · -104 pts
ROE up 8% return on equity
Free cash margin —
D/E — long-term debt / equity
Net debt / EBITDA —
Interest cover —EBIT / interest

Trade setup

ATR% 2.4% $0.70 a day · 2×ATR $27.61
RS 72 / 99 vs the universe
Trend 6 / 8 under the 150/200-day, under the 50-day
Relative volume 1.1× vs 50-day average
Up/down volume 1.08 50 sessions
Implied move — no scheduled report
Contractions 3 15% → 9% → 7%
Pivot $30.99 6.4% below
Volume dry-up 0.8× 10 vs 50 sessions
Trend template · 6 of 8
  • Price above the 150 and 200-day averages: fails
  • Price above the 50-day average: fails

Screen verdict

Did not qualify for any screen.

Warning signs

none flagged
  • No restatement or impairment
  • Equity positive
  • No material dilution
  • Margins and revenue not shrinking
Last reported Oct 29, 2026
Results reaction Oct 29, 2026-2% vs market2 sessions after results

Financials

6 fiscal years · from filings
Revenue What customers paid the company over its fiscal year, before any cost, as filed in its annual report. The change is against the year before. Methodology $20.3M +5% on FY2024
$0 $25M FY20 FY21 FY22 FY23 FY24 FY25 FY2020 · $18.0M FY2021 · $17.5M FY2022 · $18.3M FY2023 · $17.3M FY2024 · $19.4M FY2025 · $20.3M
Net income Profit left after every cost, interest and tax for the year. A column below the line is a loss. Methodology $31.4M +28% on FY2024
-$50M $0 $100M FY20 FY21 FY22 FY23 FY24 FY25 FY2020 · -$45.9M FY2021 · $31.6M FY2022 · $50.1M FY2023 · $23.4M FY2024 · $24.5M FY2025 · $31.4M
Margins Each as a share of revenue. Gross: left after the direct cost of what was sold. Net: left after every cost. Free cash: free cash flow over revenue. A margin rising over years means the business keeps more of each dollar it sells. Methodology
  • Net 154%
-500% 0% 500% FY20 FY21 FY22 FY23 FY24 FY25 FY2020 · Net -255% FY2021 · Net 181% FY2022 · Net 273% FY2023 · Net 135% FY2024 · Net 126% FY2025 · Net 154%
Cash and long-term debt Cash on the balance sheet at the year's end beside debt due after a year. Net cash is cash less that debt; net debt is the shortfall. Debt some filers do not tag shows as a gap, not as zero. Methodology
  • Cash
  • Long-term debt
$0 $500M FY20 FY21 FY22 FY23 FY24 FY25 FY2020 · Cash $241.9M FY2021 · Cash $277.8M FY2022 · Cash $46.9M FY2023 · Cash $54.5M FY2024 · Cash $131.2M FY2025 · Cash $105.2M
Shares outstanding Shares in issue at the year's end. A rising count means each share owns a smaller slice of the company (stock pay, share sales); a falling one, buybacks. The chart's scale is fitted to the count, so a small change looks large: read the percentage. Methodology 22.08m -16.3% since FY2020
26.43m 22.08m FY20 FY21 FY22 FY23 FY24 FY25 FY2020 · 26.39m FY2021 · 26.43m FY2022 · 23.96m FY2023 · 22.96m FY2024 · 23.07m FY2025 · 22.08m
  FY2020Dec 31, 2020 FY2021Dec 31, 2021 FY2022Dec 31, 2022 FY2023Dec 31, 2023 FY2024Dec 31, 2024 FY2025Dec 31, 2025
Revenue $18.0M $17.5M $18.3M $17.3M $19.4M $20.3M
Net income -$45.9M $31.6M $50.1M $23.4M $24.5M $31.4M
Net margin -255% 181% 273% 135% 126% 154%
Earnings per share -$1.74 $1.20 $2.04 $1.01 $1.07 $1.40
Cash $241.9M $277.8M $46.9M $54.5M $131.2M $105.2M
Shareholders' equity $440.2M $407.6M $328.6M $351.2M $384.3M $419.7M
Shares outstanding 26.39m 26.43m 23.96m 22.96m 23.07m 22.08m

Filings

SEC EDGAR
FiledReportPeriod to Lag
Aug 6, 2026 Quarterly ↗ Jun 30, 2026 37d
May 7, 2026 Quarterly ↗ Mar 31, 2026 37d
Mar 5, 2026 Annual ↗ Dec 31, 2025 64d
Nov 3, 2025 Quarterly ↗ Sep 30, 2025 34d
Aug 4, 2025 Quarterly ↗ Jun 30, 2025 35d
May 8, 2025 Quarterly ↗ Mar 31, 2025 38d
Mar 7, 2025 Annual ↗ Dec 31, 2024 66d
Nov 7, 2024 Quarterly ↗ Sep 30, 2024 38d
Aug 1, 2024 Quarterly ↗ Jun 30, 2024 32d
May 3, 2024 Quarterly ↗ Mar 31, 2024 33d
Mar 8, 2024 Annual ↗ Dec 31, 2023 68d
Oct 27, 2023 Quarterly ↗ Sep 30, 2023 27d

Current reports

FiledDisclosed
Oct 29, 2026 Other events ↗
Oct 29, 2026 Results ↗
Aug 17, 2026 Other events ↗
Aug 11, 2026 Other events ↗
Jul 27, 2026 Regulation FD ↗
Jul 23, 2026 Other events ↗
Jul 23, 2026 Results ↗
Jun 24, 2026 Director or officer change ↗
May 29, 2026 Regulation FD ↗
May 29, 2026 Shareholder vote ↗
May 1, 2026 Regulation FD ↗
May 1, 2026 Other events ↗