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Carter Bankshares, Inc.

CARE

$33.01 ▼ -0.88 (-2.58%) at close

27 Visible periods

34 Metrics

Peer-ranked Benchmarks

Price Chart

Health

Good

Bullish

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Analytical Summary

Carter Bankshares, Inc. shows strong fundamentals with top-quartile Profit Margin (%) and Operating Margin (%). The company's metrics support a bullish outlook for growth-oriented investors.

Market Cap $721.2M

Dividend Yield —

Revenue Growth 188.6%

Op. Margin None

ROIC None

FCF / Share None

Trailing P/E 8.5x

Price / Book 1.5x

FCF Yield —

Debt / Equity —

info Valuation on last close. End-of-day price, Aug 7, 2026.

27-Year Financial Trajectory

Quarterly

Metric Value Trend Year over Year Percentile

Revenue Total top-line sales

$106.91M

↑ +188.6% —

Net Income Profit after all expenses

$85.76M

↑ +857.9% —

Operating Margin Operating profit as % of sales

18.3%

↓ -35.8% 83th

trending_up

Bullish Indicators

Operating Margin (%)Operating Margin (%) is in the top quartile
Profit Margin (%)Profit Margin (%) is in the top quartile

warning

Bearish Risks

No bearish risks detected.

Health Breakdown

Profitability ↓

Returns →

Dividend History

Dividend / share · sourced from SEC filings

$0.14 Latest / share

FY 2018

FY 2019

$0.14

FY 2020

FY 2021

FY 2022

FY 2023

FY 2024

FY 2025

Financial view

Statement lens

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📈 Is growth accelerating? 7 metrics

Metric	Q1 FY2026 Mar 31, 2026 10-Q ↗	Q4 FY2025 Dec 31, 2025 10-K ↗	Q3 FY2025 Sep 30, 2025 10-Q ↗	Q2 FY2025 Jun 30, 2025 10-Q ↗	Q1 FY2025 Mar 31, 2025 10-Q ↗	Q4 FY2024 Dec 31, 2024 10-K ↗	Q3 FY2024 Sep 30, 2024 10-Q ↗	Q2 FY2024 Jun 30, 2024 10-Q ↗	Q1 FY2024 Mar 31, 2024 10-Q ↗	Q4 FY2023 Dec 31, 2023 10-K ↗	Q3 FY2023 Sep 30, 2023 10-Q ↗	Q2 FY2023 Jun 30, 2023 10-Q ↗	Q1 FY2023 Mar 31, 2023 10-Q ↗	Q4 FY2022 Dec 31, 2022 10-K ↗	Q3 FY2022 Sep 30, 2022 10-Q ↗	Q2 FY2022 Jun 30, 2022 10-Q ↗	Q1 FY2022 Mar 31, 2022 10-Q ↗	Q4 FY2021 Dec 31, 2021 10-K ↗	Q3 FY2021 Sep 30, 2021 10-Q ↗	Q2 FY2021 Jun 30, 2021 10-Q ↗	Q1 FY2021 Mar 31, 2021 10-Q ↗	Q4 FY2020 Dec 31, 2020 10-K ↗	Q3 FY2020 Sep 30, 2020 10-Q ↗	Q2 FY2020 Jun 30, 2020 10-Q ↗	Q1 FY2020 Mar 31, 2020 10-Q ↗	Q4 FY2019 Dec 31, 2019 10-K ↗	Q4 FY2018 Dec 31, 2018 10-K ↗
Revenue Growth YoY (%)	188.6% Excellent ↑ Excellent Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+3044%)	—	14.2% Good ↑ Good Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+137%)	10.8% Good ↑ Good Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+81%)	10.7% Good ↑ Good Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+78%)	—	4.8% Caution ↑ Caution Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-21%)	5.9% Fair ↑ Fair Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: At sector avg	-26.5% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-541%)	—	-24.0% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-499%)	-16.6% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-377%)	35.6% Excellent ↑ Excellent Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+494%)	—	18.3% Good ↑ Good Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+205%)	10.5% Good ↑ Good Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+75%)	-5.4% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-190%)	—	8.7% Fair ↑ Fair Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+45%)	6.1% Fair Fair Year-over-year change in total revenue Optimal: > 10% vs Sector: At sector avg	3.7% Caution Caution Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-38%)	—	—	—	—	—	—
EPS Growth YoY (%)	894.9% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	5.6% Fair ↓ Fair Declining Year-over-year change in earnings per share Optimal: > 10%	0.0% Caution ↓ Caution Declining Year-over-year change in earnings per share Optimal: > 10%	76.2% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	56.0% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	N/M	50.0% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	-12.5% Weak ↑ Weak Improving Year-over-year change in earnings per share Optimal: > 10%	-62.7% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	N/M	-72.9% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	-45.5% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	86.1% Excellent ↓ Excellent Declining Year-over-year change in earnings per share Optimal: > 10%	209.5% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	40.5% Excellent ↓ Excellent Declining Year-over-year change in earnings per share Optimal: > 10%	109.5% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	0.0% Caution ↓ Caution Declining Year-over-year change in earnings per share Optimal: > 10%	90.9% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	N/M	23.5% Good Good Year-over-year change in earnings per share Optimal: > 10%	111.8% Excellent Excellent Year-over-year change in earnings per share Optimal: > 10%	—	—	—	—	—	—
Net Income Growth YoY (%)	857.9% Excellent ↑ Excellent Improving Year-over-year change in net income	2.4% Caution ↓ Caution Declining Year-over-year change in net income	-3.7% Weak ↓ Weak Declining Year-over-year change in net income	77.2% Excellent ↑ Excellent Improving Year-over-year change in net income	54.1% Excellent ↑ Excellent Improving Year-over-year change in net income	N/M	55.2% Excellent ↑ Excellent Improving Year-over-year change in net income	-15.8% Weak ↑ Weak Improving Year-over-year change in net income	-63.5% Weak → Weak Stable Year-over-year change in net income	N/M	-74.8% Weak ↓ Weak Declining Year-over-year change in net income	-47.1% Weak ↓ Weak Declining Year-over-year change in net income	71.0% Excellent ↓ Excellent Declining Year-over-year change in net income	178.2% Excellent ↑ Excellent Improving Year-over-year change in net income	29.0% Excellent ↓ Excellent Declining Year-over-year change in net income	98.4% Excellent ↑ Excellent Improving Year-over-year change in net income	-0.6% Weak ↓ Weak Declining Year-over-year change in net income	90.7% Excellent ↑ Excellent Improving Year-over-year change in net income	N/M	21.9% Good Good Year-over-year change in net income	112.0% Excellent Excellent Year-over-year change in net income	—	—	—	—	—	—
FCF Growth YoY (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Revenue CAGR 3Y (%)	32.9% Excellent ↑ Excellent Improving Compound annual revenue growth over 3 years	—	-3.1% Weak ↓ Weak Declining Compound annual revenue growth over 3 years	-0.7% Weak ↓ Weak Declining Compound annual revenue growth over 3 years	3.3% Caution ↑ Caution Improving Compound annual revenue growth over 3 years	—	-2.0% Weak ↓ Weak Declining Compound annual revenue growth over 3 years	-0.8% Weak ↑ Weak Improving Compound annual revenue growth over 3 years	-1.9% Weak ↓ Weak Declining Compound annual revenue growth over 3 years	—	-0.8% Weak ↓ Weak Declining Compound annual revenue growth over 3 years	-0.7% Weak Weak Compound annual revenue growth over 3 years	10.0% Fair Fair Compound annual revenue growth over 3 years	—	—	—	—	—	—	—	—	—	—	—	—	—	—
Revenue CAGR 5Y (%)	24.7% Excellent ↑ Excellent Improving Compound annual revenue growth over 5 years	—	3.2% Caution ↑ Caution Improving Compound annual revenue growth over 5 years	2.8% Caution Caution Compound annual revenue growth over 5 years	1.6% Caution Caution Compound annual revenue growth over 5 years	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—
EPS CAGR 3Y (%)	79.6% Excellent ↑ Excellent Improving Compound annual EPS growth over 3 years	-16.4% Weak ↓ Weak Declining Compound annual EPS growth over 3 years	-25.9% Weak ↓ Weak Declining Compound annual EPS growth over 3 years	-5.6% Weak ↓ Weak Declining Compound annual EPS growth over 3 years	2.7% Caution ↑ Caution Improving Compound annual EPS growth over 3 years	19.7% Excellent ↑ Excellent Improving Compound annual EPS growth over 3 years	-17.0% Weak ↓ Weak Declining Compound annual EPS growth over 3 years	0.0% Caution Caution Compound annual EPS growth over 3 years	-11.4% Weak Weak Compound annual EPS growth over 3 years	—	—	12.2% Good Good Compound annual EPS growth over 3 years	58.0% Excellent Excellent Compound annual EPS growth over 3 years	—	—	—	—	—	—	—	—	—	—	—	—	—	—

💰 Are margins durable? 5 metrics

Metric	Q1 FY2026 Mar 31, 2026 10-Q ↗	Q4 FY2025 Dec 31, 2025 10-K ↗	Q3 FY2025 Sep 30, 2025 10-Q ↗	Q2 FY2025 Jun 30, 2025 10-Q ↗	Q1 FY2025 Mar 31, 2025 10-Q ↗	Q4 FY2024 Dec 31, 2024 10-K ↗	Q3 FY2024 Sep 30, 2024 10-Q ↗	Q2 FY2024 Jun 30, 2024 10-Q ↗	Q1 FY2024 Mar 31, 2024 10-Q ↗	Q4 FY2023 Dec 31, 2023 10-K ↗	Q3 FY2023 Sep 30, 2023 10-Q ↗	Q2 FY2023 Jun 30, 2023 10-Q ↗	Q1 FY2023 Mar 31, 2023 10-Q ↗	Q4 FY2022 Dec 31, 2022 10-K ↗	Q3 FY2022 Sep 30, 2022 10-Q ↗	Q2 FY2022 Jun 30, 2022 10-Q ↗	Q1 FY2022 Mar 31, 2022 10-Q ↗	Q4 FY2021 Dec 31, 2021 10-K ↗	Q3 FY2021 Sep 30, 2021 10-Q ↗	Q2 FY2021 Jun 30, 2021 10-Q ↗	Q1 FY2021 Mar 31, 2021 10-Q ↗	Q4 FY2020 Dec 31, 2020 10-K ↗	Q3 FY2020 Sep 30, 2020 10-Q ↗	Q2 FY2020 Jun 30, 2020 10-Q ↗	Q1 FY2020 Mar 31, 2020 10-Q ↗	Q4 FY2019 Dec 31, 2019 10-K ↗	Q4 FY2018 Dec 31, 2018 10-K ↗
Operating Margin (%) (%)	—	—	18.3% Good ↓ Good Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-27%)	28.5% Excellent ↑ Excellent Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+14%)	30.1% Excellent ↑ Excellent Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+20%)	—	20.5% Good → Good Stable Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-18%)	17.6% Fair → Fair Stable Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-30%)	21.6% Good ↑ Good Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-14%)	—	13.5% Fair ↓ Fair Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-46%)	18.1% Good ↓ Good Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-27%)	43.6% Excellent ↑ Excellent Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+74%)	—	45.2% Excellent ↑ Excellent Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+81%)	33.0% Excellent → Excellent Stable Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+32%)	31.7% Excellent ↑ Excellent Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+27%)	—	33.3% Excellent ↑ Excellent Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+33%)	18.3% Good ↑ Good Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-27%)	29.0% Excellent ↑ Excellent Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+16%)	—	-170.0% Weak ↓ Weak Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-780%)	12.2% Fair Fair Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-51%)	13.6% Fair Fair Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-45%)	—	—
Effective Tax Rate (%) (%)	22.1% Fair → Fair Stable Actual taxes paid relative to pre-tax income Optimal: 15-25%	23.5% Fair ↑ Fair Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	24.3% Fair ↑ Fair Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	19.9% Good → Good Stable Actual taxes paid relative to pre-tax income Optimal: 15-25%	19.6% Good → Good Stable Actual taxes paid relative to pre-tax income Optimal: 15-25%	22.5% Fair ↑ Fair Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	19.9% Good ↑ Good Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	18.9% Good ↑ Good Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	19.7% Good ↑ Good Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	0.1% Excellent ↓ Excellent Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	17.7% Good ↑ Good Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	0.9% Excellent ↓ Excellent Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	19.6% Good → Good Stable Actual taxes paid relative to pre-tax income Optimal: 15-25%	18.2% Good → Good Stable Actual taxes paid relative to pre-tax income Optimal: 15-25%	25.8% Caution ↑ Caution Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	14.3% Excellent ↑ Excellent Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	12.5% Excellent ↓ Excellent Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	19.6% Good ↑ Good Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	7.7% Excellent ↓ Excellent Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	14.0% Excellent ↑ Excellent Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	9.0% Excellent ↑ Excellent Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	4.5% Excellent ↑ Excellent Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	-1.5% Excellent ↑ Excellent Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	-12.3% Excellent Excellent Actual taxes paid relative to pre-tax income Optimal: 15-25%	5.3% Excellent Excellent Actual taxes paid relative to pre-tax income Optimal: 15-25%	—	—
Profit Margin (%) (%)	80.2% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+265%)	—	13.9% Fair ↓ Fair Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-37%)	22.8% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: At sector avg	24.2% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+10%)	—	16.4% Good → Good Stable Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-25%)	14.3% Fair → Fair Stable Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-35%)	17.4% Good ↑ Good Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-21%)	—	11.1% Fair ↓ Fair Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-50%)	18.0% Good ↓ Good Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-18%)	35.0% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+59%)	—	33.5% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+52%)	28.3% Excellent → Excellent Stable Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+29%)	27.8% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+26%)	—	30.8% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+40%)	15.8% Good ↑ Good Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-28%)	26.4% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+20%)	—	-172.6% Weak ↓ Weak Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-885%)	13.7% Fair Fair Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-38%)	12.9% Fair Fair Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-41%)	—	—
FCF Margin (%) (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
FCF / Net Income (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

🎯 Is capital allocation efficient? 3 metrics

Metric	Q1 FY2026 Mar 31, 2026 10-Q ↗	Q4 FY2025 Dec 31, 2025 10-K ↗	Q3 FY2025 Sep 30, 2025 10-Q ↗	Q2 FY2025 Jun 30, 2025 10-Q ↗	Q1 FY2025 Mar 31, 2025 10-Q ↗	Q4 FY2024 Dec 31, 2024 10-K ↗	Q3 FY2024 Sep 30, 2024 10-Q ↗	Q2 FY2024 Jun 30, 2024 10-Q ↗	Q1 FY2024 Mar 31, 2024 10-Q ↗	Q4 FY2023 Dec 31, 2023 10-K ↗	Q3 FY2023 Sep 30, 2023 10-Q ↗	Q2 FY2023 Jun 30, 2023 10-Q ↗	Q1 FY2023 Mar 31, 2023 10-Q ↗	Q4 FY2022 Dec 31, 2022 10-K ↗	Q3 FY2022 Sep 30, 2022 10-Q ↗	Q2 FY2022 Jun 30, 2022 10-Q ↗	Q1 FY2022 Mar 31, 2022 10-Q ↗	Q4 FY2021 Dec 31, 2021 10-K ↗	Q3 FY2021 Sep 30, 2021 10-Q ↗	Q2 FY2021 Jun 30, 2021 10-Q ↗	Q1 FY2021 Mar 31, 2021 10-Q ↗	Q4 FY2020 Dec 31, 2020 10-K ↗	Q3 FY2020 Sep 30, 2020 10-Q ↗	Q2 FY2020 Jun 30, 2020 10-Q ↗	Q1 FY2020 Mar 31, 2020 10-Q ↗	Q4 FY2019 Dec 31, 2019 10-K ↗	Q4 FY2018 Dec 31, 2018 10-K ↗
Return on Invested Capital (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Return on Capital (%) (%)	1.8% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	0.2% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	0.1% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	0.2% Weak → Weak Stable Operating profit relative to total assets Optimal: > 10%	0.2% Weak Weak Operating profit relative to total assets Optimal: > 10%	0.2% Weak Weak Operating profit relative to total assets Optimal: > 10%	—	—	0.1% Weak Weak Operating profit relative to total assets Optimal: > 10%	—	—	—	0.4% Weak Weak Operating profit relative to total assets Optimal: > 10%	—	—	—	0.2% Weak Weak Operating profit relative to total assets Optimal: > 10%	—	—	—	0.2% Weak Weak Operating profit relative to total assets Optimal: > 10%	—	—	—	—	—	—
Return on Common Equity (%) (%)	17.0% Good ↑ Good Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+42%)	2.0% Weak ↑ Weak Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-83%)	1.3% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-89%)	2.1% Weak ↑ Weak Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-83%)	2.2% Weak ↑ Weak Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-81%)	2.2% Weak ↑ Weak Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-82%)	1.5% Weak ↑ Weak Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-88%)	1.3% Weak ↑ Weak Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-89%)	1.6% Weak ↑ Weak Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-87%)	-0.5% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-104%)	1.1% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-91%)	1.7% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-86%)	4.5% Weak ↑ Weak Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-63%)	4.7% Weak ↑ Weak Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-60%)	4.6% Weak ↑ Weak Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-62%)	3.2% Weak ↑ Weak Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-73%)	2.6% Weak ↑ Weak Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-78%)	1.4% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-89%)	2.8% Weak ↑ Weak Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-77%)	1.4% Weak ↑ Weak Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-89%)	2.4% Weak ↑ Weak Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-80%)	0.7% Weak ↑ Weak Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-94%)	-13.3% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-211%)	0.9% Weak Weak Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-92%)	0.9% Weak Weak Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-92%)	—	—

⚖️ Is the balance sheet risky? 3 metrics

Metric	Q1 FY2026 Mar 31, 2026 10-Q ↗	Q4 FY2025 Dec 31, 2025 10-K ↗	Q3 FY2025 Sep 30, 2025 10-Q ↗	Q2 FY2025 Jun 30, 2025 10-Q ↗	Q1 FY2025 Mar 31, 2025 10-Q ↗	Q4 FY2024 Dec 31, 2024 10-K ↗	Q3 FY2024 Sep 30, 2024 10-Q ↗	Q2 FY2024 Jun 30, 2024 10-Q ↗	Q1 FY2024 Mar 31, 2024 10-Q ↗	Q4 FY2023 Dec 31, 2023 10-K ↗	Q3 FY2023 Sep 30, 2023 10-Q ↗	Q2 FY2023 Jun 30, 2023 10-Q ↗	Q1 FY2023 Mar 31, 2023 10-Q ↗	Q4 FY2022 Dec 31, 2022 10-K ↗	Q3 FY2022 Sep 30, 2022 10-Q ↗	Q2 FY2022 Jun 30, 2022 10-Q ↗	Q1 FY2022 Mar 31, 2022 10-Q ↗	Q4 FY2021 Dec 31, 2021 10-K ↗	Q3 FY2021 Sep 30, 2021 10-Q ↗	Q2 FY2021 Jun 30, 2021 10-Q ↗	Q1 FY2021 Mar 31, 2021 10-Q ↗	Q4 FY2020 Dec 31, 2020 10-K ↗	Q3 FY2020 Sep 30, 2020 10-Q ↗	Q2 FY2020 Jun 30, 2020 10-Q ↗	Q1 FY2020 Mar 31, 2020 10-Q ↗	Q4 FY2019 Dec 31, 2019 10-K ↗	Q4 FY2018 Dec 31, 2018 10-K ↗
Interest Coverage (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Net Debt (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Debt / EBITDA (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

📊 What does each share earn? 8 metrics

Metric	Q1 FY2026 Mar 31, 2026 10-Q ↗	Q4 FY2025 Dec 31, 2025 10-K ↗	Q3 FY2025 Sep 30, 2025 10-Q ↗	Q2 FY2025 Jun 30, 2025 10-Q ↗	Q1 FY2025 Mar 31, 2025 10-Q ↗	Q4 FY2024 Dec 31, 2024 10-K ↗	Q3 FY2024 Sep 30, 2024 10-Q ↗	Q2 FY2024 Jun 30, 2024 10-Q ↗	Q1 FY2024 Mar 31, 2024 10-Q ↗	Q4 FY2023 Dec 31, 2023 10-K ↗	Q3 FY2023 Sep 30, 2023 10-Q ↗	Q2 FY2023 Jun 30, 2023 10-Q ↗	Q1 FY2023 Mar 31, 2023 10-Q ↗	Q4 FY2022 Dec 31, 2022 10-K ↗	Q3 FY2022 Sep 30, 2022 10-Q ↗	Q2 FY2022 Jun 30, 2022 10-Q ↗	Q1 FY2022 Mar 31, 2022 10-Q ↗	Q4 FY2021 Dec 31, 2021 10-K ↗	Q3 FY2021 Sep 30, 2021 10-Q ↗	Q2 FY2021 Jun 30, 2021 10-Q ↗	Q1 FY2021 Mar 31, 2021 10-Q ↗	Q4 FY2020 Dec 31, 2020 10-K ↗	Q3 FY2020 Sep 30, 2020 10-Q ↗	Q2 FY2020 Jun 30, 2020 10-Q ↗	Q1 FY2020 Mar 31, 2020 10-Q ↗	Q4 FY2019 Dec 31, 2019 10-K ↗	Q4 FY2018 Dec 31, 2018 10-K ↗
Revenue per Share (USD)	$4.89	—	$1.75	$1.63	$1.62	—	$1.50	$1.47	$1.47	—	$1.42	$1.35	$1.91	—	$1.77	$1.55	$1.30	—	$1.38	$1.31	$1.34	—	$1.27	$1.23	$1.29	—	—
Basic EPS, GAAP (USD)	$3.88	$0.38	$0.24	$0.37	$0.39	$0.36	$0.24	$0.21	$0.25	$-0.07	$0.16	$0.24	$0.67	$0.65	$0.59	$0.44	$0.36	$0.21	$0.42	$0.21	$0.36	$0.11	$-2.19	$0.17	$0.17	—	—
Free Cash Flow per Share (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Dividend per Share (USD)	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	$0.00	$0.00	$0.00	$0.14	—	—
Book Value per Share (USD)	$22.78	$19.01	$18.42	$17.89	$17.35	$16.66	$16.94	$15.96	$15.60	—	$14.41	$14.64	$14.85	—	$12.97	$13.64	$14.35	—	$15.40	$15.15	$14.66	—	$16.48	$18.60	$17.94	—	—
Tangible Book Value per Share (USD)	$22.73	$18.95	$18.37	$17.84	$17.35	$16.66	$16.94	$15.96	$15.60	—	$14.41	$14.64	$14.85	—	$12.97	$13.64	$14.35	—	$15.40	$15.15	$14.66	—	$16.48	$18.60	$17.94	—	—
Basic Weighted Avg Shares (shares)	21.85M	—	22.29M	22.81M	22.87M	—	22.83M	22.83M	22.77M	—	22.95M	23.51M	23.77M	—	24.27M	24.49M	25.74M	—	26.35M	26.34M	26.41M	—	26.39M	26.30M	26.46M	—	—
Dividend Payout Ratio (%)	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	0.0% Excellent ↓ Excellent Declining Dividends paid as a percentage of earnings Optimal: 30-60%	0.0% Excellent ↓ Excellent Declining Dividends paid as a percentage of earnings Optimal: 30-60%	0.0% Excellent Excellent Dividends paid as a percentage of earnings Optimal: 30-60%	82.4% Caution Caution Dividends paid as a percentage of earnings Optimal: 30-60%	—	—

🏦 How resilient is the balance sheet? 2 metrics

Metric	Q1 FY2026 Mar 31, 2026 10-Q ↗	Q4 FY2025 Dec 31, 2025 10-K ↗	Q3 FY2025 Sep 30, 2025 10-Q ↗	Q2 FY2025 Jun 30, 2025 10-Q ↗	Q1 FY2025 Mar 31, 2025 10-Q ↗	Q4 FY2024 Dec 31, 2024 10-K ↗	Q3 FY2024 Sep 30, 2024 10-Q ↗	Q2 FY2024 Jun 30, 2024 10-Q ↗	Q1 FY2024 Mar 31, 2024 10-Q ↗	Q4 FY2023 Dec 31, 2023 10-K ↗	Q3 FY2023 Sep 30, 2023 10-Q ↗	Q2 FY2023 Jun 30, 2023 10-Q ↗	Q1 FY2023 Mar 31, 2023 10-Q ↗	Q4 FY2022 Dec 31, 2022 10-K ↗	Q3 FY2022 Sep 30, 2022 10-Q ↗	Q2 FY2022 Jun 30, 2022 10-Q ↗	Q1 FY2022 Mar 31, 2022 10-Q ↗	Q4 FY2021 Dec 31, 2021 10-K ↗	Q3 FY2021 Sep 30, 2021 10-Q ↗	Q2 FY2021 Jun 30, 2021 10-Q ↗	Q1 FY2021 Mar 31, 2021 10-Q ↗	Q4 FY2020 Dec 31, 2020 10-K ↗	Q3 FY2020 Sep 30, 2020 10-Q ↗	Q2 FY2020 Jun 30, 2020 10-Q ↗	Q1 FY2020 Mar 31, 2020 10-Q ↗	Q4 FY2019 Dec 31, 2019 10-K ↗	Q4 FY2018 Dec 31, 2018 10-K ↗
Working Capital (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Total Equity (USD)	$504.90M	$419.70M	$412.84M	$405.63M	$401.77M	$384.31M	$386.82M	$364.41M	$359.07M	$351.24M	$330.62M	$344.24M	$354.88M	$328.63M	$314.82M	$334.14M	$358.56M	$407.60M	$405.87M	$399.11M	$387.89M	$440.17M	$434.81M	$489.06M	$474.82M	$473.11M	$435.96M

📋 What is driving earnings? 4 metrics

Metric	Q1 FY2026 Mar 31, 2026 10-Q ↗	Q4 FY2025 Dec 31, 2025 10-K ↗	Q3 FY2025 Sep 30, 2025 10-Q ↗	Q2 FY2025 Jun 30, 2025 10-Q ↗	Q1 FY2025 Mar 31, 2025 10-Q ↗	Q4 FY2024 Dec 31, 2024 10-K ↗	Q3 FY2024 Sep 30, 2024 10-Q ↗	Q2 FY2024 Jun 30, 2024 10-Q ↗	Q1 FY2024 Mar 31, 2024 10-Q ↗	Q4 FY2023 Dec 31, 2023 10-K ↗	Q3 FY2023 Sep 30, 2023 10-Q ↗	Q2 FY2023 Jun 30, 2023 10-Q ↗	Q1 FY2023 Mar 31, 2023 10-Q ↗	Q4 FY2022 Dec 31, 2022 10-K ↗	Q3 FY2022 Sep 30, 2022 10-Q ↗	Q2 FY2022 Jun 30, 2022 10-Q ↗	Q1 FY2022 Mar 31, 2022 10-Q ↗	Q4 FY2021 Dec 31, 2021 10-K ↗	Q3 FY2021 Sep 30, 2021 10-Q ↗	Q2 FY2021 Jun 30, 2021 10-Q ↗	Q1 FY2021 Mar 31, 2021 10-Q ↗	Q4 FY2020 Dec 31, 2020 10-K ↗	Q3 FY2020 Sep 30, 2020 10-Q ↗	Q2 FY2020 Jun 30, 2020 10-Q ↗	Q1 FY2020 Mar 31, 2020 10-Q ↗	Q4 FY2019 Dec 31, 2019 10-K ↗	Q4 FY2018 Dec 31, 2018 10-K ↗
Sales/Revenue/Turnover (USD)	$106.91M	—	$39.09M	$37.27M	$37.04M	—	$34.22M	$33.62M	$33.46M	—	$32.66M	$31.74M	$45.52M	—	$42.96M	$38.06M	$33.56M	—	$36.32M	$34.44M	$35.48M	—	$33.41M	$32.46M	$34.22M	—	—
Depreciation Expense (USD)	$2.13M	$2.04M	$1.97M	$1.94M	$1.91M	$1.84M	$1.79M	$1.75M	$1.67M	$1.56M	$1.61M	$1.57M	$1.51M	$1.57M	$1.52M	$1.50M	$1.48M	$1.56M	$1.56M	$1.55M	$1.56M	$1.55M	$1.57M	$1.54M	$1.48M	—	—
Net Income, GAAP (USD)	$85.76M	$8.48M	$5.42M	$8.51M	$8.95M	$8.28M	$5.63M	$4.80M	$5.81M	$-1.89M	$3.63M	$5.70M	$15.94M	$15.61M	$14.41M	$10.78M	$9.32M	$5.61M	$11.17M	$5.43M	$9.38M	$2.94M	$-57.68M	$4.46M	$4.42M	—	—
Operating Cash Flow (USD)	$303.92M	$12.07M	$11.81M	$9.60M	$6.38M	$11.45M	$10.31M	$-2.46M	$17.63M	$7.88M	$9.26M	$7.16M	$22.43M	$23.09M	$20.90M	$14.33M	$12.47M	$17.52M	$36.58M	$23.08M	$359.00K	$18.89M	$-20.14M	$13.95M	$-5.00M	—	—

🏛️ Sector-Specific 2 metrics

Metric	Q1 FY2026 Mar 31, 2026 10-Q ↗	Q4 FY2025 Dec 31, 2025 10-K ↗	Q3 FY2025 Sep 30, 2025 10-Q ↗	Q2 FY2025 Jun 30, 2025 10-Q ↗	Q1 FY2025 Mar 31, 2025 10-Q ↗	Q4 FY2024 Dec 31, 2024 10-K ↗	Q3 FY2024 Sep 30, 2024 10-Q ↗	Q2 FY2024 Jun 30, 2024 10-Q ↗	Q1 FY2024 Mar 31, 2024 10-Q ↗	Q4 FY2023 Dec 31, 2023 10-K ↗	Q3 FY2023 Sep 30, 2023 10-Q ↗	Q2 FY2023 Jun 30, 2023 10-Q ↗	Q1 FY2023 Mar 31, 2023 10-Q ↗	Q4 FY2022 Dec 31, 2022 10-K ↗	Q3 FY2022 Sep 30, 2022 10-Q ↗	Q2 FY2022 Jun 30, 2022 10-Q ↗	Q1 FY2022 Mar 31, 2022 10-Q ↗	Q4 FY2021 Dec 31, 2021 10-K ↗	Q3 FY2021 Sep 30, 2021 10-Q ↗	Q2 FY2021 Jun 30, 2021 10-Q ↗	Q1 FY2021 Mar 31, 2021 10-Q ↗	Q4 FY2020 Dec 31, 2020 10-K ↗	Q3 FY2020 Sep 30, 2020 10-Q ↗	Q2 FY2020 Jun 30, 2020 10-Q ↗	Q1 FY2020 Mar 31, 2020 10-Q ↗	Q4 FY2019 Dec 31, 2019 10-K ↗	Q4 FY2018 Dec 31, 2018 10-K ↗
Net Interest Margin (approx.) (%)	3.0%	2.9%	2.8%	2.7%	2.6%	2.5%	—	—	2.5%	—	—	—	3.7%	—	—	—	2.7%	—	—	—	2.6%	—	—	—	—	—	—
Efficiency Ratio (%) (%)	29.0%	—	73.4%	78.6%	75.7%	—	80.2%	81.6%	78.5%	—	83.5%	80.5%	53.1%	—	54.6%	61.5%	67.1%	—	68.0%	80.6%	66.5%	—	261.3%	70.9%	72.3%	—	—

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bar_chart Data from SEC EDGAR XBRL filings

Synced 1 week ago 8 years · 27 quarters

Carter Bankshares, Inc.

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