Stocktoria

Carter Bankshares, Inc. CARE

Nasdaq · stock · National Commercial Banks · website · IPO 2007-02-28

Carter Bankshares, Inc. statistics & valuation

Market cap$746.7M
P / E23.8×
P / S36.8×
P / B1.8×
P / FCF23.5×
Net margin154.4%
Return on equity7.5%
FCF margin156.6%
Graham number -25.5%$24.09

Market cap as of 2026-06-29. Multiples are price-derived and refreshed daily; everything else from the latest financial reports. The Graham number is Benjamin Graham's rough maximum fair value ($24.09); a green figure means the price is below it.

Profitability & efficiency

Net margin (%)
-254.90% 180.70% 273.40% 135.40% 126.30% 154.40% 202020212022202320242025
Gross margin (%)
202020212022202320242025
Operating margin (%)
202020212022202320242025
Return on equity (%)
-10.40% 7.80% 15.30% 6.70% 6.40% 7.50% 202020212022202320242025
Shares outstanding
26.4M 26.4M 24.6M 23.2M 23.1M 22.5M 202020212022202320242025
Net debt ($)
202020212022202320242025
Share buybacks ($)
202020212022202320242025
Return on assets (%)
-1.10% 0.80% 1.20% 0.50% 0.50% 0.60% 202020212022202320242025
Free cash flow margin (%)
-13.40% 394.90% 354.00% 213.90% 148.40% 156.60% 202020212022202320242025
Debt / equity (×)
202020212022202320242025
EPS ($)
-$1.74 $1.19 $2.03 $1.00 $1.06 $1.38 202020212022202320242025

Margins and returns computed from annual filings. Falling shares outstanding = buybacks; rising = dilution. Net debt = debt − cash (negative = net cash).

P / E vs its own history

Carter Bankshares, Inc. trades at about 23.4× earnings — above its 10-year norm (10-year range 8.2×–16.6×, median 14.5×).

8.2× 23.4×

Shaded band = 10-year range (8.2×–16.6×); dot = today's 23.4×.

Historical P/E = month-end price near each fiscal year-end ÷ that year's EPS. A read on whether the stock is cheap or dear relative to how it has typically been valued — not a forecast.

Key ratios (by fiscal year)

RatioFY2025FY2024FY2023FY2022FY2021FY2020
Net margin154.4%126.3%135.4%273.4%180.7%-254.9%
FCF margin156.6%148.4%213.9%354.0%394.9%-13.4%
Return on assets0.6%0.5%0.5%1.2%0.8%-1.1%
Return on equity7.5%6.4%6.7%15.3%7.8%-10.4%

Computed from company filings · US · as of 2025-12-31. Facts plus Stocktoria's own computed scores — not investment advice.