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Carter Bank and Trust (CARE)

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Carter Bankshares, Inc. is the bank holding company for Carter Bank & Trust, a U.S. financial institution that provides retail and commercial banking services, along with insurance-related services. Through its banking operations, the company offers a range of deposit accounts such as checking, savings, retirement, and money market products, as well as certificates of deposit. Its lending activities include commercial loans, residential mortgages, consumer loans, home equity lines of credit, and credit cards. The company also provides treasury and cash management services, title insurance, and a suite of digital and branch-based banking tools, including online and mobile banking, bill payment, account opening, debit cards, and ATM access. Carter Bankshares was founded in 1974 and is headquartered in Martinsville, Virginia.


Stock Summary Fair Value Profitability & Growth Quality & Risk Events & Dividends Technical Outlook FAQ

Jump between the core stock analysis sections, valuation data, fair value models, technical outlook, and FAQ.

Data update note: Fair value and stock analysis metrics are updated after regular market sessions when new data becomes available.
Ticker Fair Value Fair Value Upside/Downside Fair Value Rating Analyst Price Target Analyst Target Upside/Downside Analyst Target Rating Overall Financial Health Upcoming Dividend Ex-Date Dividend Payment Date Upcoming Dividend Dividend Yield Next Earnings Date P/E Ratio Price-to-Book Ratio Price-to-Sales Ratio Market Cap Enterprise Value Total Debt / Total Capital Free Float / Shares Outstanding Altman Z-Score Payout Ratio Free Cash Flow / Net Income
NASDAQ-CARE
$36.45
10.9% Upside
Fair
$28
-14.8% Downside
Fair
Great
—
—
0.4
1.2%
July 23, 2026
6.9x
1.5x
2.8x
733.5 M
—
1.4%
89.1%
-1.6
—
308.3%
Valuation • Fair Value

Carter Bank and Trust (NASDAQ-CARE) Fair Value by Valuation Model

Compare the primary fair value estimate for Carter Bank and Trust (NASDAQ-CARE) with model-based valuation references such as DCF, Ben Graham, DDM, EPV and comparable-company valuation.

Primary Valuation Read

Fair Value

$36.45

Estimated upside of 10.9% versus the current market price.

Fair Value Confidence

Med

Confidence level for the primary fair value estimate.

DCF Fair Value

NM

Discounted cash flow valuation reference.

Ben Graham Formula Value

$53.34

Classic Ben Graham valuation formula reference.

DDM Fair Value

$58.48

Dividend discount model valuation reference.

EPV Fair Value

NM

Earnings power value estimate.

Comps Fair Value

$29.11

Comparable-company valuation reference.

Analyst Price Target

$28

Analysts imply downside of 14.8%.

How to read these valuation models

Use this section to compare the primary fair value estimate for Carter Bank and Trust (NASDAQ-CARE) with several model-based valuation references. Different models can produce different outputs because each method relies on a different set of assumptions, so the primary fair value estimate should be read alongside the model spread rather than in isolation.

Profitability • Growth

Profitability & Growth for Carter Bank and Trust (NASDAQ-CARE)

A compact read on revenue, forward revenue expectations, EBITDA and operating profitability trends.

Revenue

258.9 M

Current operating scale indicator.

Revenue Forecast

257.8 M

Forward revenue estimate.

EBITDA

0 K

Current operating profitability reference.

EBITDA Forecast

Not available

Data is currently unavailable.

How to read profitability and growth

This section helps investors review Carter Bank and Trust (NASDAQ-CARE) from an operating perspective by combining current scale, forward revenue expectations and EBITDA-related profitability measures.

Quality • Risk

Quality & Financial Risk for Carter Bank and Trust (NASDAQ-CARE)

Review financial health, earnings quality and balance-sheet risk through Piotroski, Beneish, Altman and cash conversion metrics.

Financial Health

Great

Positive financial-health read.

Piotroski Score

7

Relatively strong quality score.

Beneish M-Score

NM

Forensic accounting screen.

Altman Z-Score

-1.6

Lower score that deserves closer risk review.

FCF / Net Income

308.3%

Cash conversion quality indicator.

How to read quality and risk

This section combines quality, balance-sheet and accounting-risk indicators for Carter Bank and Trust (NASDAQ-CARE). Read the metrics together: no single score is a complete investment conclusion, but the combined view can highlight financial strength, earnings quality and areas that may deserve closer review.

Events • Dividends

Upcoming Events & Dividends for Carter Bank and Trust (NASDAQ-CARE)

Track the next earnings date, ex-dividend date, dividend payment date, dividend yield and upcoming distribution details where available.

Next Earnings Date

July 23, 2026

Days to Earnings

2

Dividend Payment Date

Not available

Ex-Dividend Date

Not available

Dividend Yield

1.2%

Income yield reference.

Upcoming Dividend

0.4

Upcoming distribution amount.

Payment Type

Not available

Data is currently unavailable.

Dividend Currency

USD

Currency used for the distribution.

Payout Ratio

Not available

Data is currently unavailable.

How to read events and dividends

This section helps investors track time-sensitive items for Carter Bank and Trust (NASDAQ-CARE), including the next earnings date and dividend-related milestones. These items can matter for short-term volatility, income planning and event-driven positioning.

Stock Forecast • Technical Outlook

Carter Bank and Trust (NASDAQ-CARE) Stock Forecast & Technical Outlook

Review Carter Bank and Trust (NASDAQ-CARE) across multiple technical time frames, alongside analyst recommendation data, to form a faster read on market positioning and near-term sentiment.

Technical Signals by Time Frame

Switch between time frames to review the current technical signal for the stock.

Strong Sell Sell Neutral Buy Strong Buy
Time frame: 15-minute • intraday
Buy

The 15-minute technical read for Carter Bank and Trust (NASDAQ-CARE) is currently Buy. Use it as a timing signal only, and compare it with valuation, fundamentals and upcoming events before drawing a broader view.

Strong Sell Sell Neutral Buy Strong Buy
Time frame: 1-hour • short-term
Neutral

The 1-hour technical read for Carter Bank and Trust (NASDAQ-CARE) is currently Neutral. Use it as a timing signal only, and compare it with valuation, fundamentals and upcoming events before drawing a broader view.

Strong Sell Sell Neutral Buy Strong Buy
Time frame: daily • daily
Strong Buy

The daily technical read for Carter Bank and Trust (NASDAQ-CARE) is currently Strong Buy. Use it as a timing signal only, and compare it with valuation, fundamentals and upcoming events before drawing a broader view.

Strong Sell Sell Neutral Buy Strong Buy
Time frame: weekly • weekly
Strong Buy

The weekly technical read for Carter Bank and Trust (NASDAQ-CARE) is currently Strong Buy. Use it as a timing signal only, and compare it with valuation, fundamentals and upcoming events before drawing a broader view.

Strong Sell Sell Neutral Buy Strong Buy
Time frame: monthly • monthly
Strong Buy

The monthly technical read for Carter Bank and Trust (NASDAQ-CARE) is currently Strong Buy. Use it as a timing signal only, and compare it with valuation, fundamentals and upcoming events before drawing a broader view.

Analyst Consensus for Carter Bank and Trust (NASDAQ-CARE)

A consolidated view of buy, hold and sell recommendations based on the currently available analyst data.

Strong Sell Sell Neutral Buy Strong Buy
Consolidated analyst recommendation mix
Hold

Based on the available recommendation mix, Carter Bank and Trust (NASDAQ-CARE) has a Hold consensus, with 1 buy, 3 hold and 0 sell recommendations in the current data set.

Buy 1
Hold 3
Sell 0
FAQ • Fast Investor Answers

Carter Bank and Trust (NASDAQ-CARE) Stock FAQ

Quick answers about Carter Bank and Trust (NASDAQ-CARE) stock, including fair value, valuation rating, analyst price target, dividends, earnings dates, market capitalization, financial health and other key stock analysis metrics.

Fair Value
$36.45
Estimated upside 10.9%
Valuation Rating
Undervalued
Estimated upside of 10.9%
Analyst Target
$28
Implied downside 14.8%
Financial Health
Great
Current financial-health read

The current fair value estimate for Carter Bank and Trust (NASDAQ-CARE) is $36.45. This implies an estimated upside of 10.9% versus the current market price.

Based on the current fair value estimate, the stock appears undervalued, with estimated upside of 10.9% versus the current market price.

The available analyst price target for Carter Bank and Trust (NASDAQ-CARE) is $28. The analyst target implies estimated downside of 14.8%.

The current financial health read for Carter Bank and Trust (NASDAQ-CARE) is Great. This should be reviewed alongside valuation, profitability, debt and cash-flow quality metrics.

The next earnings date currently listed for Carter Bank and Trust (NASDAQ-CARE) is July 23, 2026.

Based on the current data, dividend yield is 1.2%, upcoming dividend amount is 0.4.

The current P/E ratio listed for Carter Bank and Trust (NASDAQ-CARE) is 6.9x. Use it together with growth, margins and sector comparisons rather than as a standalone valuation signal.

The current market capitalization listed for Carter Bank and Trust is 733.5 M.

The ticker symbol for Carter Bank and Trust is NASDAQ-CARE, and the stock is listed on NASDAQ.

Carter Bank and Trust (NASDAQ-CARE) is listed on NASDAQ.

The current debt-to-total-capital ratio listed for Carter Bank and Trust is 1.4%, which helps investors evaluate the company’s financing structure and leverage profile.

The free float listed for Carter Bank and Trust is 89.1%. Free float helps investors understand how much of the share base is available for public trading.

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