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CoverageForm 410-K10-Q8-K13D13G13F

CARE · Carter Bankshares, Inc. - Financials

Annual line items from SEC XBRL filings, sourced from EDGAR's Company Facts API with fallback to the quarterly Financial Statement Data Sets. See issuer overview for Form 4 activity and 10-K signals.

Price · CARE

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AnnualQuarterly

Income Statement

Line itemQ1 '26Q4 '25Q3 '25Q2 '25Q1 '25Q4 '24Q3 '24Q2 '24Q1 '24Q4 '23
Revenue----------
Cost of Revenue----------
Gross Profit----------
R&D----------
SG&A----------
Total Operating Expenses----------
D&A$2.13M---$1.91M---$1.67M-
Operating Income$110.03M-$7.15M$10.63M$11.14M-$7.03M$5.92M$7.23M-
Interest Expense--------$25.63M-
Income Tax$24.27M-$1.74M$2.12M$2.18M-$1.40M$1.12M$1.42M-
Net Income$85.76M-$5.42M$8.51M$8.95M-$5.63M$4.80M$5.81M-
EPS - Basic$3.88-$0.24$0.37$0.39-$0.24$0.21$0.25-
EPS - Diluted$3.88-$0.24$0.37$0.39-$0.24$0.21$0.25-

Balance Sheet

Line itemQ1 '26Q4 '25Q3 '25Q2 '25Q1 '25Q4 '24Q3 '24Q2 '24Q1 '24Q4 '23
Cash & Equivalents$228.32M$105.16M$106.95M$99.91M$89.00M$131.17M$104.99M$61.75M$108.11M$54.53M
Accounts Receivable----------
Inventory----------
Accounts Payable----------
Current Assets----------
Total Assets$4.80B$4.85B$4.84B$4.78B$4.70B$4.66B$4.61B$4.53B$4.55B$4.51B
Current Liabilities----------
Long-term Debt----------
Total Liabilities$4.29B$4.43B$4.43B$4.38B$4.30B$4.27B$4.23B$4.17B$4.20B$4.16B
Stockholders' Equity$504.90M$419.70M$412.84M$405.63M$401.77M$384.31M$386.82M$364.41M$359.07M$351.24M
Retained Earnings$450.73M$364.97M$356.49M$351.07M$342.56M$333.61M$325.33M$319.70M$314.89M$309.08M

Cash Flow

Line itemQ1 '26Q4 '25Q3 '25Q2 '25Q1 '25Q4 '24Q3 '24Q2 '24Q1 '24Q4 '23
Operating Cash Flow$303.92M---$6.38M---$17.63M-
Investing Cash Flow($26.62M)---($81.05M)---$10.24M-
Financing Cash Flow($154.14M)---$32.51M---$25.71M-
CapEx$1.54M---$1.52M---$1.30M-
Free Cash Flow$302.38M---$4.85M---$16.33M-

Ratios

MetricQ1 '26Q4 '25Q3 '25Q2 '25Q1 '25Q4 '24Q3 '24Q2 '24Q1 '24Q4 '23
Profitability
Gross margin----------
Operating margin----------
EBITDA margin----------
Net margin----------
Free cash flow margin----------
FCF / Net income3.53---0.54---2.81-
R&D / Revenue----------
SG&A / Revenue----------
Effective tax rate22.1%-24.3%19.9%19.6%-19.9%18.9%19.7%-
Return on assets1.8%-0.1%0.2%0.2%-0.1%0.1%0.1%-
Return on equity17.0%-1.3%2.1%2.2%-1.5%1.3%1.6%-
Return on invested capital----------
Liquidity
Current ratio----------
Quick ratio----------
Cash ratio----------
Leverage
Debt / Equity----------
Debt / Assets----------
Debt / EBITDA----------
Interest coverage--------0.3x-
Equity multiplier9.5111.5611.7211.7911.7012.1211.9312.4412.6912.85
Liabilities / Assets0.890.910.910.920.910.920.920.920.920.92
Efficiency
Asset turnover----------
Inventory turnover----------
Days sales outstanding----------
Days inventory outstanding----------
Days payable outstanding----------
Cash conversion cycle----------
Valuation
P / E6.0x-80.9x46.9x41.5x-72.5x72.0x50.6x-
P / B1.0x-1.0x1.0x0.9x-1.0x0.9x0.8x-
P / S----------
EV / EBITDA2.5x---21.5x---20.2x-
Growth
Revenue growth (YoY)----------
Revenue CAGR (3y)----------
Revenue CAGR (5y)----------
Gross profit growth (YoY)----------
Operating income growth (YoY)888.1%-1.8%79.4%53.9%-59.5%2.9%-63.5%-
Net income growth (YoY)857.9%--3.7%77.2%54.1%-55.2%-15.8%-63.5%-
EPS growth (YoY)894.9%-0.0%76.2%56.0%-50.0%-12.5%-62.7%-
EPS CAGR (3y)79.6%--25.9%-5.6%2.7%--0.0%13.7%-
EPS CAGR (5y)86.9%---------
FCF growth (YoY)6130.7%----70.3%----20.4%-
FCF CAGR (5y)----------
Book value growth (YoY)25.7%9.2%6.7%11.3%11.9%9.4%17.0%5.9%1.2%6.9%

Sales by segment

From XBRL dimensional facts in the 10-K period ending 2025-12-31.

Product / service

$20.32M total
Debit Card$7.93M · 39.1%
Service Charges On Deposit Accounts$5.83M · 28.7%
Other Fees And Other Income$3.83M · 18.8%
Annual Commission On Investment$2.48M · 12.2%
Customer Commissions$195.0K · 1.0%
Special Production Payout$58.0K · 0.3%

Peer comparison

Same SIC group: National Commercial Banks

CompanyRevenue (last FY)Net marginROE
HBAN---
UMBF--9.1%
ZION$662.00M135.8%12.5%
JPM$182.45B31.3%15.7%
SFNC$5.63M-7060.1%-11.6%

Comparing Carter Bankshares against the 5 most active filers in the same SIC group.

Dividends

$0.10/share trailing 12 months

Ex-datePer share
May 11, 2026$0.1000
Feb 14, 2020$0.1400
Jul 13, 2016$0.1000
Apr 21, 2016$0.1000
Jan 13, 2016$0.1000
Oct 13, 2015$0.1000
Jul 15, 2015$0.1000
Apr 13, 2015$0.1000
Jan 14, 2015$0.1000
Oct 9, 2014$0.1000
Jul 10, 2014$0.1000
Apr 10, 2014$0.1000
Jan 9, 2014$0.1000
Oct 10, 2013$0.1000
Jul 11, 2013$0.1000
Apr 11, 2013$0.1000
Jan 10, 2013$0.1000
Oct 11, 2012$0.1000
Jul 11, 2012$0.1000
Apr 10, 2012$0.1000
Jan 11, 2012$0.1000
Oct 12, 2011$0.1000
Jul 7, 2011$0.1000
Apr 8, 2011$0.1000