CARE

Carter Bankshares, Inc.

$32.26 +0.29 (+0.91%) At close · Jul 15

Market Cap

$734.66M

22,222,010

Income-statement, balance-sheet and cash-flow figures extracted from the company's SEC filings — 10-K annual and 10-Q quarterly reports — and standardised for comparison across periods.

Revenue

$20.32M +4.6%

FY2025

Net Income

$31.36M +27.9%

FY2025

Diluted EPS

$1.38 +30.2%

FY2025

Operating Cash Flow

$39.86M +7.9%

FY2025

Chart any reported metric, KPI or segment over time — the full statement history lives here

Income Statement Balance Sheet Cash Flow All Metrics

Annual Quarterly

Line Item	3Y	5Y	10Y	TTM	FY2025	FY2024	FY2023	FY2022	FY2021	FY2020	FY2019
Revenue	+3.5%	+2.5%	—	—	$20.32M	$19.41M	$17.27M	$18.33M	$17.49M	$17.99M	$12.78M
Interest & Dividend Income	+13.2%	+10.5%	—	$235.4M	$232.22M	$221.73M	$196.42M	$160.18M	$133.9M	$140.94M	$159.12M
Net Interest Income	-2.2%	+4.5%	—	$136.62M	$130.82M	$114.46M	$122.31M	$139.93M	$111.18M	$105.12M	$112.35M
Noninterest Income	+1.0%	-3.4%	—	$86.48M	$22.4M	$21.37M	$18.28M	$21.72M	$28.88M	$26.58M	$16.87M
Amortization of Intangibles	—	—	—	—	$161K	—	—	—	—	—	—
Depreciation & Amortization	+9.0%	+5.1%	—	—	$7.86M	$7.06M	$6.25M	$6.06M	$6.23M	$6.14M	$5.34M
Impairment of Real Estate	-9.0%	—	—	—	—	—	$1.12M	$741K	$3.47M	$1.48M	$4.46M
Interest Expense	+27.4%	—	—	$88.57M	—	—	$74.11M	$20.25M	$22.71M	$35.83M	$46.77M
Pretax Income	-13.5%	—	—	$138.9M	$40M	$30.87M	$28.72M	$61.72M	$35.7M	-$45.09M	$27.78M
Income Tax	-9.4%	+62.1%	—	$30.73M	$8.64M	$6.35M	$5.34M	$11.6M	$4.11M	$772K	$1.21M
Net Income	-14.5%	—	—	$108.17M	$31.36M	$24.52M	$23.38M	$50.12M	$31.59M	-$45.86M	$26.58M
Net Margin	—	—	—	—	154.38%	126.32%	135.43%	273.39%	180.66%	-254.89%	207.91%
Net Income Available to Common Stockholders	-14.6%	—	—	$106.83M	$31M	$24.28M	$23.19M	$49.82M	$31.46M	-$45.86M	$26.51M
Comprehensive Income	—	—	—	$121.57M	$53.72M	$31.44M	$37.56M	-$37.2M	$17.57M	-$30.26M	$36.77M
EPS (Basic) USD/shares	-12.1%	—	—	—	$1.38	$1.06	$1.00	$2.03	$1.19	-$1.74	$1.01
EPS (Diluted) USD/shares	-12.1%	—	—	—	$1.38	$1.06	$1.00	$2.03	$1.19	-$1.74	$1.01
Shares Outstanding (Basic Avg) shares	-3.0%	-3.2%	—	—	22.46M	22.82M	23.24M	24.6M	26.34M	26.38M	26.26M
Shares Outstanding (Diluted Avg) shares	-3.0%	-3.2%	—	—	22.46M	22.82M	23.24M	24.6M	26.34M	26.38M	26.26M

Italic rows are computed from reported lines — open a row's info icon for its formula. Values reflect the latest filing (restatements included); per-share figures on today's split basis. Click a value for its source filing. TTM: trailing twelve months through the latest reported quarter — flows sum the last four quarters, balances take the latest. 3Y/5Y/10Y columns are trailing CAGR from the newest fiscal year; blank where an endpoint is missing or negative.

Capital Returned to Shareholders

Cash spent on share repurchases and dividends per fiscal year, as reported on the cash-flow statement. Across FY2019–FY2025: $79.5M in buybacks, $3.69M in dividends.

Price & Valuation

Multiples computed on the strict TTM/EV methodology — today's snapshot against the industry, and each ratio recomputed as of past filing dates.

Valuation

EV/Revenue

—

EV/EBIT

—

P/E (TTM)

6.79×

Banks - Regional median 13.36×

Valuation over time computed as of each quarter's filing date

Revenue Breakdown

Annual revenue as the company disaggregates it in its own XBRL filings. Years a component wasn't reported show a dash.

Share mode is each component's slice of the reported components that year — issuers rarely tag every revenue dollar, so slices need not sum to total revenue.

By Product & Service (USD)

Component	2021-12-31	2020-12-31	2019-12-31
Debit Card	$7,226,000	$5,857,000	$5,160,000
Deposit Accounts Commissions and Fees	$6,662,000	$4,668,000	$4,962,000
Commercial Loan Swap Fee Income	$2,416,000	$4,051,000	$0
Insurance	$1,901,000	$1,728,000	$1,225,000
Other Real Estate Owned Income	$90,000	$340,000	$689,000

Key facts CIK 1829576 CUSIP 146103106 13F (30d) 5 filings 5 filers Visit website Investor relations