Stocktoria
Carter Bankshares, Inc. CARE
Carter Bankshares, Inc. (CARE) earns a Piotroski F-score of 6/9 (mixed financial health). It pays a dividend yielding 0.49% (safety: no dividend). FY2025 revenue was $20.3M at a 154.4% net margin.
Quality score trend · recomputed for each fiscal year
Each year's score is computed from that year's filing — a rising Piotroski F or Altman Z″ means improving financial health, a fall is worth a look.
Analyst price target
Wall Street analyst consensus — a sentiment gauge, not our scoring.
How it ranks in Finance, Insurance & Real Estate · percentile among 1129 companies
Percentile vs other Finance, Insurance & Real Estate companies we cover — e.g. “stronger than 90%” means only 10% score higher on that measure.
Piotroski F breakdown · 6/9 tests passed
- 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
Sector peers · similar-size Finance, Insurance & Real Estate companies compare side by side →
| Ticker | Company | Piotroski F | Altman Z″ | P / E | Revenue growth |
|---|---|---|---|---|---|
| CARE | Carter Bankshares, Inc. | 6/9 | — | 23.8 | +4.6% |
| DCBG | Dime Commercial Bancshares, Inc. /NY/ | 5/9 | — | — | +19% |
| SHBI | SHORE BANCSHARES INC | 4/9 | — | 13.1 | -0.3% |
| FUNC | FIRST UNITED CORP/MD/ | 5/9 | — | 11.9 | +4% |
| ASRV | AMERISERV FINANCIAL INC /PA/ | 4/9 | — | 11.8 | -6.3% |
| WAFD | WAFD INC | 6/9 | — | 12.1 | +7.8% |
| NKSH | NATIONAL BANKSHARES INC | 5/9 | — | 15.2 | — |
All Finance, Insurance & Real Estate companies →
About Carter Bankshares, Inc.
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.
FAQ
Is CARE financially healthy?
Carter Bankshares, Inc.'s Piotroski F-score is 6/9 (8–9 is excellent, 0–3 weak).
Does CARE pay a dividend, and is it safe?
Yes. Carter Bankshares, Inc. pays a dividend yielding about 0.49% with a None payout ratio, rated “no dividend” for safety.
How profitable is CARE?
In FY2025, Carter Bankshares, Inc. had a net margin of 154.4% and a return on equity of 7.5%.
Is CARE overvalued or undervalued?
Carter Bankshares, Inc. trades at about 23.4× trailing earnings — above its 10-year norm (10-year range 8.2×–16.6×, median 14.5×). Stocktoria reports the data, not buy/sell advice.
What is the analyst price target for CARE?
The average Wall-Street price target for Carter Bankshares, Inc. is $28.50, about 11.9% below the recent price, from 4 analysts.
Is CARE a good stock to buy?
Stocktoria doesn't give buy or sell advice, but here is the data on Carter Bankshares, Inc.: a Piotroski F-score of 6/9, a P/E of about 23.8×, a dividend yield of 0.49%. Weigh these quality and valuation signals against your own goals.
Computed from company filings · US · as of 2025-12-31. Facts plus Stocktoria's own computed scores — not investment advice.