# Carter Bankshares Inc. (CARE) fundamentals

Data as of 2026-09-08. NASDAQ, United States. Sector: Financial Services / Banks. Price $31.98, market value $741 million.

## Valuation
- **P/E (trailing): 5.5×** (5-yr avg 13.3×, 3-yr avg 15.2×). Carter Bankshares Inc. trades at 5.5× trailing earnings, well below its own five-year average of 13.3×: cheap by its own standards. The Financial Services median in the September 2026 study was 13.1×. Forward P/E is 12.3×, higher than trailing, so analysts expect earnings to fall.
- **PEG: 0.41**. A PEG of 0.41 means the P/E is low relative to expected earnings growth: the market is not paying much for that growth.
- **Price / sales: 36.5×**. Each dollar of revenue is priced at 36.5×, a level that requires very high margins or very fast growth to justify.
- **Price / book: 1.3×**. The shares trade at 1.3× book value; book value is a meaningful part of the valuation.
- **Free-cash-flow yield: 7.9%** (5-yr avg 11.6%). Free cash flow equals 7.9% of the market value, below its five-year average of 11.6%, so the shares are pricier on cash than usual. Above 5% is generally attractive.
- **Earnings yield: 18.1%**. The inverse of the P/E: 18.1% of the price is earned each year.

## Profitability
- **Net margin: 154.4%**. 154.4% of each dollar of sales reaches the bottom line.
- **Return on equity: 7.5%**. 7.5% on shareholders' equity is weak; the business earns little on the capital its owners have in it.
- **Return on assets: 0.6%**. Each dollar of assets produces 0.6% of profit; low single digits are normal for banks and insurers.

## Growth
- **Revenue growth (1 yr): 4.6%** (3-yr 3.5%/yr, 5-yr 2.5%/yr). Revenue grew 4.6% over the last year, against 2.5% a year compounded over five years: growth is accelerating.
- **EPS growth (1 yr): 30.2%** (3-yr -12.1%/yr). Earnings per share rose 30.2%, faster than revenue, so margins expanded or the share count shrank.
- **Free-cash-flow growth (3 yr): -21.2%/yr**. Free cash flow has compounded at -21.2% a year over three years, lagging earnings: check whether profits are turning into cash.

## Financial health
- **Piotroski F-score: 6/9**. 6 of 9 checks pass: mixed.

## Dividends
- **Dividend yield: 1.25%** ($0.10 per share, trailing). Carter Bankshares Inc. yields 1.25%, a modest yield more typical of a growth-oriented payer.
- **Consecutive years of increases: 1**. 1 straight year of increases.
- **Dividend growth (5 yr): -18.9%/yr**. The dividend has not grown over five years.

## Analyst view
- **Analyst consensus: buy** (3 analysts). 3 analysts cover Carter Bankshares Inc.; the consensus is buy, with an average price target of $35.08 (+10% from the current price). Analyst opinion is shown for context; it is not part of the Fundamental Score.

## Price and momentum
- **Total return (1 yr): 63.9%** (YTD 63.3%, 3-mo 12.1%). The shares are up 63.9% over twelve months including dividends.
- **From 52-week high: -11.3%** (90.6% above the low). Trading 11% below its 52-week high.
- **200-day average: above**. The price sits above its 200-day moving average, the usual definition of an uptrend.
- **RSI (14-day): 50**. An RSI of 50 is neutral.
- **Beta (1 yr): 0.40** (volatility 27%). Beta of 0.40 against the S&P 500: the shares move much less than the market.

Live score and charts: https://foliofundamentals.com/analyzer?s=CARE · Page: https://foliofundamentals.com/stocks/care

Not investment advice.