Stocktoria
Carter Bankshares, Inc. CARE
Nasdaq · XNAS · stock · National Commercial Banks · website · IPO 2007-02-28
Chart by TradingView
6/9
Piotroski F — financial health
—
Altman Z″ — distress risk
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Dividend payout · no dividend
Financials & ratios (annual, from 10-K)
| Metric | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|
| Financials | |||||
| Revenue | $20.3M | $19.4M | $17.3M | $18.3M | $17.5M |
| Net income | $31.4M | $24.5M | $23.4M | $50.1M | $31.6M |
| Operating cash flow | $39.9M | $36.9M | $46.7M | $70.8M | $77.5M |
| Free cash flow | $31.8M | $28.8M | $36.9M | $64.9M | $69.1M |
| Total assets | $4.9B | $4.7B | $4.5B | $4.2B | $4.1B |
| Total liabilities | $4.4B | $4.3B | $4.2B | $3.9B | $3.7B |
| Shareholders' equity | $419.7M | $384.3M | $351.2M | $328.6M | $407.6M |
| Ratios | |||||
| Net margin | 154.4% | 126.3% | 135.4% | 273.4% | 180.7% |
| FCF margin | 156.6% | 148.4% | 213.9% | 354.0% | 394.9% |
| Return on assets | 0.6% | 0.5% | 0.5% | 1.2% | 0.8% |
| Return on equity | 7.5% | 6.4% | 6.7% | 15.3% | 7.8% |
| Revenue growth | 4.6% | 12.4% | -5.8% | 4.8% | -2.8% |
Notable holders (13F)
| Investor | Shares | Value |
|---|---|---|
| RENAISSANCE TECHNOLOGIES LLC | 11,000 | $256,520 |
Why these scores methodology →
Piotroski F-score: 6/9
- Positive return on assets
- Positive operating cash flow
- Rising ROA
- Cash flow exceeds net income
- Lower long-term debt
- Rising current ratio
- No share dilution
- Rising gross margin
- Rising asset turnover
Altman Z″: n/a
Not applicable (financials/insurer or missing inputs).
Sector peers
IX · MUFG · MFG · NMR · UNH · CI · all Finance, Insurance & Real Estate →
Source: SEC EDGAR filings · CIK 0001829576 · as of 2025-12-31. Figures are facts from filings plus Stocktoria's own computed scores — not investment advice.