CARE · Carter Bankshares, Inc.

Track CARE — free

$31.25 +0.10 (+0.32%) At close · Aug 21

Market Cap

$692.62M

22.16M

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FQ3-26 quarter ends

~Sep 30, 2026 Est

Latest filing: 10-Q

filed Aug 6, 2026

Equibles Rating

blended score · not investment advice

Overall

Buy

SellHoldBuy

Technical Neutral Momentum Strong Sentiment Neutral Fundamentals Excellent Quant / Vol Moderate

Market backdrop VIX 15.1 · calm Equity put/call 0.51

Technical

price trend

Neutral

50 / 200-day cross No cross

Price vs 200-day avg +27%

above

Price vs 50-day avg −4%

below

RSI (14) 40

neutral

MACD trend Negative

52-week position 76%

mid-range

Momentum

relative strength

Strong

1-month return −8%

trailing

6-month return +49%

trailing

YTD return +59%

this year

Relative strength +38%

vs S&P · 6-mo

Sentiment

smart money

Neutral

Trend (MA cross) No cross

50d $33 › 200d $25 — 50d above 200d

Institutional flow Accumulating

+29% holders QoQ · +51 funds added

Insider flow Distributing

Net -$138.2K over 90 days · 100% sells

Short interest Rising

8.90% of float · ▲ +5.9% MoM · 4.8 days cover

Volume signal Normal

Volume near normal

Institution breadth Multi-yr high

162 holders — near 3-yr high, broad support

Squeeze score 73

high risk · 0–100

Fundamentals

Excellent

Revenue growth +5%

Y/Y

EPS growth +30%

Y/Y

Free cash flow $31.8M

Valuation P/E 5.4

below peers

Buyback $10.0M

authorized

Balance sheet $105.2M

net cash

Quant / Vol

risk profile

Moderate

Volatility 27%

annualized · 1-yr

Max drawdown −16%

past year

ATR 3.1%

of price · 14-day

Blended from price, momentum, positioning, fundamentals & volatility · daily-close · not investment advice. Market backdrop is context, not part of the score.

Technicals

trend & momentum for long-term holders Neutral

1 · 4 · 1

50 / 200-day cross

No cross Neutral

Price vs 200-day avg

+27% Bullish

Price vs 50-day avg

−4% Neutral

RSI (14)

40 Neutral

MACD trend

Negative Bearish

52-week position

76% Neutral

Market signals — smart money & positioning

Mixed

Trend (MA cross) No cross

50d $33 › 200d $25 — 50d above 200d

Institutional flow Accumulating

+29% holders QoQ · +51 funds added

Insider flow Distributing

Net -$138.2K over 90 days · 100% sells

Short interest Rising

8.90% of float · ▲ +5.9% MoM · 4.8 days cover

Volume signal Normal

Volume near normal

Institution breadth Multi-yr high

162 holders — near 3-yr high, broad support

Price context

position in its 52-week range

Range low $17 Now $31 · 76% Range high $36

vs 200-day avg +27% vs 50-day avg -4%

Illustrative technical + ownership context — a signal mix, not investment advice.

Key metrics

the company's own KPIs, from written earnings releases and filings

Metric	Latest	Period	YoY
Adjusted Earnings Per Common Share (diluted) (Non-GAAP) non-GAAP	$0.93	Six Months Ended June 30, 2026	—
Adjusted Efficiency Ratio (non-GAAP) non-GAAP	62.66%	Q2 2026	—

Adjusted Net Income (Non-GAAP) non-GAAP	$20.23M	Six Months Ended June 30, 2026	—
Allowance for credit losses on loans	$55.2M	Q2 2026	—
Allowance for credit losses on loans / total portfolio loans	1.48%	Q2 2026	—
Available-for-sale investment securities as % of total assets	13.3%	Q2 2026	—
Branches	63	Q2 2026	—
Insured deposits as % of total deposits	82.3%	Q2 2026	—
Leverage ratio	11.65%	Q2 2026	—
Loan Growth (Non-GAAP) non-GAAP	6.45%	Six Months Ended June 30, 2026	—
Net interest income (FTE) non-GAAP	$40.2M	Q2 2026	—
Net Interest Margin (FTE) non-GAAP	3.4%	Q2 2026	—

Pre-tax Pre-provision Income (Non-GAAP) non-GAAP	$114.59M	Six Months Ended June 30, 2026	—
Tangible Book Value non-GAAP	$24.24	June 30, 2026	—
Tier 1 capital ratio	14.26%	Q2 2026	—
Total risk-based capital ratio	15.51%	Q2 2026	—
Uninsured deposits as % of total deposits	17.7%	Q2 2026	—
Adjusted Loans (Non-GAAP) non-GAAP	$3.94B	Q1 2026	—
Pre-tax pre-provision income non-GAAP	$75.9M	Q1 2026	—

Figures exactly as the company stated them in writing · click a metric with a to chart its history · period links open the stating document · "filing" marks figures stated in the 10-K/10-Q · YoY needs an exactly comparable prior-year period

Versus peers

Banks - Regional — same industry group

Open screener →

Company	Mkt cap	YTD	Rev growth Y/Y	P/E	Short % shares
CARE Carter Bankshares, Inc. this stock	$692.62M	+59.0%	+4.6%	5.4	8.9%
MFG Mizuho Financial Group Inc	$124.83B	+40.4%	—	—	0.1%
HDB Hdfc Bank Ltd	$121.23B	-35.4%	+15.2%	—	0.5%
IBN Icici Bank Ltd	$105.45B	+0.4%	—	—	0.5%
CIXPF CaixaBank/ADR	$100.59B	+19.4%	—	—	0.1%

Peers by industry group · P/E from as-reported trailing EPS · short % is of shares outstanding

At a glance

key data from every section

Ownership

Institutional Holders Accumulating

Holders

162

% held: 65.5%
Net QoQ: +1.8M sh
Top holder: BlackRock, Inc.

Held Float

View

Held by Funds

Fund positions

167

View

Short & Settlement

Short Interest Rising

Shares short

2.0M

Days to cover: 4.8d
Change: +109.3K sh

View

Short Volume

Short vol %

52%

As of: Aug 21, 2026

Short Total

View

Fails to Deliver

FTD shares

19.2K

Value: $605.7K
As of: Jul 14, 2026

View

Off-Exchange

Off-exchange %

32.5%

Week of: Jul 13, 2026

Off-exch Lit

View

Smart Money

Insider Trades Net selling

Net (90d)

-$138.2K

Buyers / Sellers: 0 / 2

Buyers Sellers

View

Financials

Revenue (FY)

$20.3M

Net income (FY): $31.4M
EPS diluted: $1.38

View

Buybacks

Authorized

$10.0M

View

Filings

SEC Filings

Latest

8-K

Filed: Aug 17, 2026
This year: 20

View

Earnings & Events

Earnings Calls

Last call

Jan 29, 2026

View

Performance

	5D	20D	120D	MTD	YTD
CARE	-4.4%	-8.1%	+49.2%	-9.6%	+59.0%
SPY	-1.4%	+3.6%	+11.6%	+2.5%	+12.3%
vs SPY	-3.0%	-11.8%	+37.7%	-12.1%	+46.7%

Capital returns

Latest dividend

$0.10 / share · ex Aug 10, 2026

Cut 28.6%

Paid (TTM)

$0.20 / share · 2 payouts

Dividend yield (TTM, derived)

— · history filling in

Buyback program · as of Feb 2, 2026

Authorized

$10.00M

Spent (derived)

—

Remaining

—

Dividends per share over the trailing 365 days by ex-date · buyback figures as last reported in SEC filings ("spent" derived as authorized − remaining; when several programs run concurrently, authorized is their combined total per the newest filing) · components shown separately — trailing-year buyback spend isn't tracked, so no combined shareholder yield is derived.

Key facts CIK 1829576 CUSIP 146103106 13F (30d) 147 filings 146 filers Visit website Investor relations

CARE · Carter Bankshares, Inc.

Price & Indicators

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Equibles Rating

Technicals

Key metrics

Versus peers

At a glance

Performance

Capital returns