profit from every $100 of sales.
$0$100
Carter Bankshares
$29.32+0.76% today
+67.9% in 1 year
1-year low $16.961-year high $35.72
Trading in the middle of its range for the past year.
The essentials
Four questions every investor asks, answered in one line each.
more sales each year, on average, 2022 to 2025.
0%20% a year
You pay $20.54 for every $1 of profit it makes in a year.
CheapExpensive
Not measured for banks and insurers: deposits and policy reserves count as debt, so the usual debt test says nothing about them.
Money in, money out
What Carter Bankshares sold, what it kept, and what it did with the cash.
Sales went from $159 million in 2022 to $149 million in 2025, with $31.4 million of profit last year.
SalesProfit
Carter Bankshares handed back 63% of the cash it generated last year.
Buybacks $20M
Free cash flow 2025$32M
Bought back its own shares$20M
Paid as dividends–
Cash vs. debt$105M vs. $179M
Carter Bankshares vs. similar companies
Carter Bankshares grows the slowest of these 5 and is the most expensive for its profits.
| Company | Profit from $100 of sales | Sales growth a year | Price per $1 of profit |
|---|---|---|---|
| Carter Bankshares | 20.5× · Fair price | ||
 China Merchants Bank | 7.7× · Cheap | ||
 DBS Group Holdings | 18.2× · Fair price | ||
 UniCredit | 11.5× · Cheap | ||
 HDFC Bank | 18.6× · Fair price |
AI analysis
An AI analyst reads Carter Bankshares's last five years, its segments, earnings, insiders and peers, and writes the bull case, the bear case and what the price expects.
Run the AI analysisFull statementsIncome, balance sheet and cash flow, year by year
Income statement
| In millions of USD | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| 159 | 138 | 132 | 149 | |
| – | – | – | – | |
| – | – | – | – | |
| – | – | – | – | |
| 50 | 23 | 25 | 31 | |
| 2.03 | 1.00 | 1.06 | 1.38 | |
| – | – | – | – | |
| – | – | – | – | |
| 31.5% | 17.0% | 18.5% | 21.0% |
Balance sheet
| In millions of USD | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| Total assets | 4,205 | 4,513 | 4,659 | 4,852 |
| Cash | 47 | 55 | 131 | 105 |
| Total debt | 181 | 393 | 70 | 179 |
| Total liabilities | 3,876 | 4,161 | 4,275 | 4,432 |
| 329 | 351 | 384 | 420 | |
| 25 | 23 | 23 | 22 | |
| – | – | – | – | |
| 15.3% | 6.7% | 6.4% | 7.5% |
Cash flow
| In millions of USD | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| 71 | 47 | 37 | 40 | |
| 6 | 10 | 8 | 8 | |
| 65 | 37 | 29 | 32 | |
| Dividends paid | 0 | – | – | – |
| 43 | 16 | 0 | 20 | |
| 1 | 2 | 2 | 2 |
This is a bank or insurer, so cash-flow and debt ratios are left out: borrowing and lending is the business itself. Price to book and return on equity are the measures that matter here.
Valuation
- 20.5×
- 5.3×
- –
- 1.5×
- 4.3×
- 4.9%
- 0.4%
Profitability
- 21.0%
- 19.2%
- 6.2%
- 24.8%
- 2.3%
Growth
- −2.1%
- −12.1%
- −18.9%
- −3.0%
How it ranks in Financial Services
Each dot is where the company stands among every company over $300M in the sector. Further right is better.
Top 8%of 854
Top 17%of 733
Bottom 26%of 876
Bottom 16%of 878
Bottom 43%of 929
What analysts expect
- Average price target
- $27.00
- Range
- $27.00 – $27.00
- 1 analysts
These targets were collected on May 20, 2026 and our analyst feed has not updated since, so we no longer compare them with today's price.
Recent earnings
Our results feed has not updated since May 21, 2026. Results reported after that are not in this table yet.
| Date | EPS | Expected | Surprise |
|---|---|---|---|
| Apr 23, 2026 | 0.40 | 3.91 | −89.8% |
| Jan 29, 2026 | 0.41 | 0.33 | +24.2% |
| Oct 23, 2025 | 0.26 | 0.39 | −33.3% |
| Jul 24, 2025 | 0.41 | 0.31 | +32.3% |
| Apr 24, 2025 | 0.32 | 0.30 | +6.7% |
| Jan 23, 2025 | 0.37 | 0.21 | +76.2% |
| Oct 24, 2024 | 0.24 | 0.22 | +9.1% |
| Jul 25, 2024 | 0.21 | 0.21 | +0.0% |
0.4%of the share price, paid each year
On $1,000 invested$4a year at today's yield, before tax
−18.9%2015 to 2020
Raised–not every year
Paid per share, each year
$0.40 in 2015 → $0.14 in 2020
How safe it looks
0.0% of its profit
Room to growStretchedMore than it earns: 0.0%
News
My wife has dementia and may outlive me. How do we prepare for long-term memory care?MarketWatch · Nov 14, 2026The lonely labor of caregiving: ‘You shouldn’t have to be rich to take care of the people you love’MarketWatch · Nov 14, 2026Electromed targets $1.05M–$1.15M home care revenue per rep as CEO plans April 2027 retirementSeeking Alpha · Nov 11, 2026Medicare used AI to pre-approve patient care, and it immediately led to a large drop in medical servicesMarketWatch · Oct 31, 2026Insider trades
Our insider feed has not updated since May 26, 2026. Trades filed after that are not listed yet.
No insider trades on file.
The seven classic investing rulebooks
3/7Passes 3 of 7. Each bar is how well the company fits that investor's published rules, from 0 to 100; 60 or more counts as a pass.
Warren Buffett
53No pass
Benjamin Graham
60Pass
Philip Fisher
61Pass
Peter Lynch
29No pass
Joel Greenblatt
32No pass
Charlie Munger
65Pass
Terry Smith
57No pass
Questions about Carter Bankshares
Is Carter Bankshares a good stock to buy?
A strong, very profitable business at a fair price. 3 of the 7 famous investors' published rulebooks we apply pass it. Whether it suits you depends on your goals and the price you pay; invest-like never tells anyone to buy or sell. The AI analysis lays out the case for and against. Read the Carter Bankshares AI analysis
What does Carter Bankshares do?
Carter Bankshares, Inc. operates as the bank holding company for Carter Bank & Trust that provides various retail and commercial banking products and insurance services in the United States. It is in Banks - Regional.
Does Carter Bankshares pay a dividend?
Yes. At today's price the dividend is 0.4% a year.
Is Carter Bankshares stock halal?
No. Carter Bankshares does not pass our halal screen: its main business, banking, is not permitted. How we check
How has Carter Bankshares stock done over the past year?
Up 67.9% over the past twelve months, to $29.32. It traded between $16.96 and $35.72 and is 17.9% below its high.
Who are Carter Bankshares's competitors?
The largest listed companies in the same industry are China Merchants Bank, DBS Group Holdings, UniCredit and HDFC Bank. The peers table on this page compares their profit, growth and price with Carter Bankshares's.
Prices: daily closes to Nov 13, 2026. Fundamentals: company reports via invest-like data.