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Home CompaniesCarter Bank and Trust

Carter Bank and Trust

Financial Services Banks - Regional
PortfolioPortfolio WatchlistWatchlist
Company price
29.22 USD 0.00(0%)
Last update at 2026-11-11T21:00:00Z
VOLUME
114070
Market Cap
541.70M
P/E
17.58

Momentum Score

…

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 offers various deposit products, including checking, savings, retirement, and money market accounts, as well as certificates of deposit. The company also provides commercial loans, such as secured and unsecured, real estate construction and acquisition, and commercial and industrial loans; consumer loans, such as automobiles, home improvements, education, overdraft protection, and personal, and residential mortgages loans; home equity lines of credit; and credit cards, as well as originates and holds fixed and variable rate mortgage loans. In addition, it offers other banking services that include safe deposit boxes, direct deposit of payroll, social security checks, and debit cards; online banking products, including online and mobile banking, online account opening, bill payment, electronic statement, mobile deposit, Zelle, credit monitoring tools, digital wallet, MoneyPass, and ATM services; title insurance and other financial institution-related products and services; and treasury and corporate cash management services. Carter Bankshares, Inc. was founded in 1974 and is headquartered in Martinsville, Virginia.

Source: TradingView
The charts and visual representations are sourced from TradingView through embedded widgets. For any issues with chart display, please visit the TradingView website

Day Price Range
29.10
Low
29.46
High
52 Week Price Range
14.98
Low
24.91
High

Momentum Score

…
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A unique technical analysis driven score developed by Kalkine showing momentum in stock prices based on select technical indicators identified.

Score - Rating
>= 1 - Low / > 1 but < 2 - Below Average / > 2 but < 3 - Average / > 3 but < 4 - Above Average / > 4 - High
AI Summary

Carter Bank & Trust (Carter Bankshares, NASDAQ: CARE) is a Virginia-based regional bank offering commercial and retail banking, mortgage lending and wealth management to individuals and small-to-medium businesses. Long-term growth may be driven by regional economic expansion, lending and deposit growth, net interest margin expansion, and opportunistic M&A; investors may find its community banking franchise and focus on core banking relationships attractive.
Key risks include sensitivity to interest-rate cycles and margin compression, regional economic and credit deterioration, competition from larger banks and fintech, and regulatory and execution risk.

Risk Score
Medium

Note: The summary and risk score provided above is created by AI and should not be construed as a recommendation of Kalkine.

Key Metrics*

Previous Close
29.22
Dividend Yield
-
Revenue TTM
157.06M
Revenue Per Share
6.99
Gross Profit TTM
157.06M
Debt / Equity
0.43
ROE
7.80%
Net Debt
73.34M
ROCE
0.85%
Diluted EPS TTM
1.39

Key Financials*

Income Statement

Balance Sheet

Change in Cash

Total Operating Cash

Dividends Paid

Breakdown 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Type yearly yearly yearly yearly yearly
Date 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Income before tax 40.00M 30.87M 28.72M 61.72M 35.70M
Net income 31.36M 24.52M 23.38M 50.12M 31.59M
Selling general administrative 75.36M 64.11M 60.76M 54.41M 62.28M
Selling and marketing expenses - 2.54M 1.69M 1.43M 0.95M
Gross profit 157.06M 137.45M 131.31M 0.07M 133.66M
Reconciled depreciation 7.86M 7.05M 6.26M 6.06M 6.23M
Ebit - 30.87M 28.72M 81.97M 35.70M
Ebitda 40.00M 37.92M 34.97M 88.03M 41.93M
Depreciation and amortization - 7.05M 6.25M 6.06M 6.23M
Operating income 40.00M 30.87M 28.72M 81.97M 35.70M
Other operating expenses 214.62M 208.81M 183.10M 5.82M -97.97M
Interest expense 101.40M 107.27M 74.11M 20.25M 22.71M
Tax provision 8.64M 6.35M 8.81M 11.60M 4.11M
Interest income 231.61M 220.72M 191.71M 160.18M 133.90M
Net interest income 130.20M 113.44M 135.35M 139.93M 111.18M
Income tax expense 8.64M 6.35M 5.34M 11.60M 4.11M
Total revenue 254.63M 239.67M 211.82M 0.07M 133.66M
Total operating expenses 117.05M 106.58M 102.59M 5.82M -97.97M
Cost of revenue 97.57M 102.23M 80.51M - -
Total other income expense net - -185.19M -21.92M -20.25M -22.71M
Net income from continuing ops 31.36M 24.52M 40.88M 50.12M 31.59M
Net income applicable to common shares - - - 50.12M 31.59M
Breakdown 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Type yearly yearly yearly yearly yearly
Date 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Total assets 4851.92M 4659.19M 4512.54M 4204.52M 4133.75M
Intangible assets 0.94M - - - -
Other current assets -709.27M - 56.99M -802.24M -241.10M
Total liab 4432.23M 4274.88M 4161.30M 3875.89M 7.00M
Total stockholder equity 419.70M 384.31M 351.24M 328.63M 407.60M
Other current liab 139.81M 4153.42M 1356.29M 3648.20M 3698.48M
Common stock 22.08M 23.07M 22.96M 23.96M 26.43M
Capital stock 22.08M 23.07M 22.96M 23.96M 26.43M
Retained earnings 364.97M 333.61M 309.08M 285.59M 235.47M
Other liab - - - 18.00M 20.67M
Good will 1.19M 0.00M - - -
Other assets 4746.62M 3735.29M - 2412.99M 1935.85M
Cash 105.16M 131.17M 54.53M 46.87M 277.80M
Total current liabilities 139.81M 4153.42M 1680.39M 3648.20M 3698.48M
Net debt 73.34M -61.17M 338.87M 151.55M -270.80M
Short term debt - 25.93M 324.10M - -
Short long term debt total 178.50M 70.00M 393.40M 198.42M 7.00M
Other stockholder equity 74.81M 92.16M 90.64M 104.69M 143.99M
Property plant equipment - - - 72.11M 75.30M
Total current assets 105.31M 849.57M 56.99M 883.14M 1200.20M
Long term investments 701.90M 664.99M 779.00M 836.27M 922.40M
Net tangible assets - - - 328.63M 407.60M
Short term investments 691.61M 654.95M 779.00M 836.27M 922.40M
Net receivables 17.80M 63.45M - - -
Long term debt 178.50M 70.00M 393.40M 198.42M 7.00M
Inventory - - - 8.39M 10.92M
Accounts payable - - - 3630.33M 3698.48M
Accumulated other comprehensive income -42.16M -64.52M -71.44M -85.62M 1.70M
Common stock total equity - - - 23.96M 26.43M
Retained earnings total equity - - - 285.59M 235.47M
Non currrent assets other 545.33M 176.02M 4360.21M -908.39M -997.70M
Non current assets total 4746.76M 3809.62M 4455.55M 908.39M 997.70M
Breakdown 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Type yearly yearly yearly yearly yearly
Date 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Investments 52.25M -68.40M -367.44M -381.43M -37.20M
Change to liabilities - - - 3.55M -2.67M
Total cashflows from investing activities -155.91M -68.40M -307.01M -382.07M -106.36M
Net borrowings 108.50M -323.40M 212.85M 191.42M -28.00M
Total cash from financing activities 90.04M 108.11M 267.94M 80.35M 64.67M
Change to operating activities - - - -1.08M 5.29M
Net income 31.36M 24.52M 23.38M 50.12M 31.59M
Change in cash -26.01M 76.64M 7.66M -230.93M 35.86M
Begin period cash flow 131.17M 54.53M 46.87M 277.80M 241.94M
End period cash flow 105.16M 131.17M 54.53M 46.87M 277.80M
Total cash from operating activities 39.86M 36.94M 46.73M 70.79M 77.54M
Depreciation 7.86M 7.05M 6.25M 6.06M 6.23M
Other cashflows from investing activities -155.91M -116.55M -364.50M 5.25M -60.67M
Dividends paid - - - 0.00M 0.00M
Sale purchase of stock -20.00M 0.00M -16.42M -42.93M -0.16M
Other cashflows from financing activities 1.54M 431.51M 89.38M 296.83M 92.83M
Change to netincome - - - 8.08M 33.69M
Capital expenditures 8.05M 8.13M 9.80M 5.89M 8.48M
Cash flows other operating - - - -2.77M 3.91M
Cash and cash equivalents changes - - - -230.93M 35.86M
Change in working capital -0.47M 1.83M -1.43M -1.08M 5.29M
Stock based compensation 2.07M 1.75M 1.56M 1.31M 1.04M
Other non cash items 8.97M -1.43M 14.49M 10.13M 28.57M
Free cash flow 31.81M 28.80M 36.93M 64.90M 69.05M

Peer Comparison*

Sector: Financial Services Industry: Banks - Regional

Stock Name
Change
(USD)
Price
(USD)
Trailing
PE (x)
Forward
PE (x)
Price Sales
TTM (x)
Price to Book Value (x)
Enterprise Value
to Revenue (x)
CARE
Carter Bank and Trust		 -
-%		 29.22 17.58 13.66 3.45 1.28 4.80
DBSDY
DBS Group Holdings Ltd ADR		 1.63
0.74%		 220.68 20.00 17.57 7.54 3.17 13.19
CIHHF
China Merchants Bank Co Ltd Class H		 -
-%		 6.69 7.70 7.10 0.55 0.83 3.51
CIHKY
China Merchants Bank Co Ltd		 -0.32
0.93%		 34.21 7.79 7.20 0.55 0.85 3.51
UNCFF
UniCredit SpA		 -0.01
0.01%		 93.32 11.53 10.27 5.72 1.83 8.22

Profile*

Carter Bank and Trust

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 offers various deposit products, including checking, savings, retirement, and money market accounts, as well as certificates of deposit. The company also provides commercial loans, such as secured and unsecured, real estate construction and acquisition, and commercial and industrial loans; consumer loans, such as automobiles, home improvements, education, overdraft protection, and personal, and residential mortgages loans; home equity lines of credit; and credit cards, as well as originates and holds fixed and variable rate mortgage loans. In addition, it offers other banking services that include safe deposit boxes, direct deposit of payroll, social security checks, and debit cards; online banking products, including online and mobile banking, online account opening, bill payment, electronic statement, mobile deposit, Zelle, credit monitoring tools, digital wallet, MoneyPass, and ATM services; title insurance and other financial institution-related products and services; and treasury and corporate cash management services. Carter Bankshares, Inc. was founded in 1974 and is headquartered in Martinsville, Virginia.

1300 Kings Mountain Road, Martinsville, VA, United States, 24112

276 656 1776

https://www.carterbank.com

687

Name Title Year Born
Mr. Litz H. Van Dyke CEO & Director 1964
Ms. Phyllis Q. Karavatakis Vice Chairman 1956
Ms. Wendy S. Bell Chief Financial Officer 1964
Mr. Matthew M. Speare Exec. VP & Chief Information Officer 1967
Mr. Tony E. Kallsen Exec. VP & Chief Credit Officer 1968
Ms. Jane Ann Davis Exec. VP & Chief Admin. Officer 1963
Mr. John Richard Spiker II Exec. VP & Chief Lending Officer 1967
Mr. A. Loran Adams Exec. VP & Director of Regulatory Risk Management 1961
Ms. Tami M. Buttrey Exec. VP, Chief Retail Banking Officer & Director of Delivery Channel Optimization NA
Joyce A. Parker Sec. NA

Disclaimer - (*)This information, including any data, is sourced from Unicorn Data Services SAS, trading as EOD Historical Data (“EODHD”) on an ‘as is’ basis, using their API. We cannot guarantee the completeness or validity of the information and data provided on this page, as well as via the API. In some cases, the data may include analyst ratings or recommendations sourced through the EODHD API, which are intended solely for general information purposes.
This information does not consider your personal objectives, financial situation, or needs. Kalkine is not liable for any errors or omissions in the information provided or for any actions taken in reliance on it. You should seek advice from a financial adviser, stockbroker or other professional adviser (including taxation and legal advice) as necessary before acting on this information.

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