# Carter Bankshares share price today (Carter Bankshares, Inc., CARE)

> Carter Bankshares, Inc.'s share price has risen faster than its earnings: +67.8% in a year, against +30.2% for earnings per share. CARE · Financials · Banks - Regional · data as of 4 November 2026. Page: https://www.sectoralpha.in/us/stocks/care

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## Key numbers

- Business trend: Getting better, from the last 12 quarters
- Price: $29.26 (+67.8% in a year)
- P/BV: 1.2× (higher than 84% of the last 5.3 years)
- Revenue (Jun 2026): $67.2 M (+68.3% on a year ago)
- Profit (Jun 2026): $28.5 M (+238.9% on a year ago)
- Net margin: 42.4% (+21.3 points on a year ago)
- ROE: 28%, FY25
- ROA: 2.74%, latest

The main question: the share price moved +67.8% in a year while yearly earnings per share moved +30.2%. The difference came from the market paying a higher multiple. ## What is the Carter Bankshares share price today? Carter Bankshares, Inc.'s share price was $29.26 at the close on 4 November 2026. It has been rising for 53 weeks. That is 6.0% above its average price over the last 200 trading days. In the last 52 weeks it traded between $17 and $35, and at that close it sat 69% of the way up from that low. Over the past 13 weeks it has done worse than the S&P 500, and it has been behind for 8 weeks running. Over the last 10 years the share price moved +134% while the S&P 500 moved +245%, so it is behind the index over that whole period. It was last ahead over 13 weeks in the week of 11 September 2026. The chart above shows the 13-week comparison for every week. This page treats a rise as over when the price closes below its 200-day average on two Fridays in a row. ## What dividend does Carter Bankshares pay? Carter Bankshares, Inc. has 1 quarter of declared dividends on file, too few for a 12-month total. The most recent declaration was $0.10 for Jun 2026. Carter Bankshares, Inc. declared a dividend in 1 of the last 12 reported quarters, most recently $0.10 for Jun 2026. That is fewer than four quarters, so no 12-month total is shown. ## Which stock lists is Carter Bankshares on? Carter Bankshares is not in the Nasdaq 100, the S&P 500 or the Dow Jones 30, and is not on the US tech stocks list. ## Is Carter Bankshares profitable? Carter Bankshares, Inc. earned $28.5 M of net profit in the Jun 2026 quarter, +238.9% on the same quarter a year earlier. That is the 3rd quarter in a row of profit growth. Full-year FY25 profit was $31.0 M. Over 4 years profit has grown −0.4% a year on average. That is 42.4% of the quarter's revenue. The same quarter a year earlier earned $8.4 M. 1 of the last 12 reported quarters were loss-making. For the full year, FY25 profit was $31.0 M (+27.7% on the year before). Why profit moved: revenue changed +68.3% on a year earlier and the margin moved +21.3 percentage points. Most of the change came from keeping more of each sale. On average over the last four quarters, profit changed +273.3% and revenue +84.7%. Profit is growing faster than sales: fixed costs are spread over more sales, so each extra dollar of revenue adds more to profit. ## How much revenue does Carter Bankshares make, and is it growing? Carter Bankshares, Inc. reported $67.2 M of income in the Jun 2026 quarter, +68.3% on the same quarter a year earlier. That is the 9th quarter in a row with growth on the year before. Over 4 years it has grown 3.6% a year on average. The last full year, FY25, came in at $157 M. The last four reported quarters add to $286 M. FY25 revenue was $157 M, +11.5% on the year before. Recent pace: the last four quarters grew +84.7% on average, against 3.6% a year over the longer run, so this year is growing faster than its own long-run rate. Is growth speeding up? Revenue over the last 12 months grew +86.9%, against +50.9% a year over the last 8 quarters (accelerating); profit over the last 12 months grew +308.9%, against +222.2% a year (accelerating). ## How much does Carter Bankshares keep from what it earns? Carter Bankshares, Inc.'s net margin was 42.4% in the Jun 2026 quarter, 21.3 percentage points higher than the same quarter a year ago. Across 5 years it has been between 17.2% and 31.5%. The latest quarter is above every full year in that period. Why: the net margin move is clear, but the cost details behind it are not in our data, so we show the move without guessing the reason. ## How many of Carter Bankshares' loans have gone bad? Carter Bankshares, Inc. does not report loan-quality figures this page can read, so this section says so rather than guess. No bad-loan figures are filed in a form this page can read, and none are guessed from the profit line. The income, margin and return sections carry what this business does report. Why: loan quality drives a lender, but its details (new bad loans, recoveries, money set aside) are not in our data for this company. The sections around this one carry what we can back up. ## How fast is Carter Bankshares' loan book growing? Carter Bankshares, Inc.'s revenue was $157 M in FY25, +11.5% on the year before, so the loan book is growing. The latest quarter was +68.3% on a year earlier. The net margin on that income is 42.4%, +21.3 percentage points on a year ago. Interest income stands in for the size of the loan book; changes in interest rates can move it a few points in any year. In short: a lender grows well when its loan book grows, its margin stays steady and its loans stay clean. Quarterly loan-quality figures are missing here, so revenue growth and margin are the two we watch. ## What is Carter Bankshares' P/BV ratio, and how does it compare with its own history? Carter Bankshares, Inc.'s P/BV is 1.2×, near the high end of its own history: higher than 84% of past readings. Its usual P/BV (the middle reading) is 1.0×, over 5.3 years of weekly prices. This compares the share price with the company’s own past. It does not say what the business is worth. Why the multiple is where it is: over the past year book value grew while the price moved +67.8%. The price ran ahead of book value, which pushed the multiple up within its own range. Where the price move came from: over 5 years the price moved +12.7% a year; about +9.7% a year came from book-value growth and about +3.0 percentage points from the multiple (the market paying more). The split is approximate (price return minus book-value growth). It shows how much of the move came from the market paying a different multiple. In short: the multiple is high against its own past, so the book value trend underneath matters more than the multiple. ## Is the Carter Bankshares business getting better or worse? Carter Bankshares, Inc.'s business is getting better. Profit growth hit its low 8 quarters ago at −76.2% and has recovered to +308.9%, with ROE rising at 23.5%. This is based on 12 quarters of 4 measures. Why it matters: a lasting rise from a low is what this page is built to show. ## How much does Carter Bankshares earn on its equity and assets? Carter Bankshares, Inc. earned a return on equity of 7% in FY25. Its lowest yearly reading on file was 6% in FY24. On its assets, every $100 earned about $2.74, before the effect of borrowing. For a lender the balance sheet is the business, so the return on equity and on assets have to be read together. That return is below the level a bank needs to grow its net worth quickly, which helps explain why its multiple is where it is. Why ROE moved: profit grew −0.4% a year over 4 years while net worth grew more slowly. When earnings recover faster than net worth builds up, ROE climbs off its low. ## Does Carter Bankshares have too much debt? For a bank, borrowing is the raw material of the business, not a warning sign: it borrows money in order to lend it out. Its safety is read through its returns and its loans. Its safety is read from the bad-loan figures and the return on equity instead. For a manufacturer, debt is a claim on its profits. For a lender it is the stock it trades in, so the usual debt-to-equity test would mislead and is not used here. ## What is the Carter Bankshares shareholding pattern? 11.8% of Carter Bankshares, Inc.'s tradable shares are in short positions, which are bets that the price will fall, so a large group of traders is betting against it. At normal trading volumes, closing those positions would take about 10.5 days. US companies do not publish a quarter-by-quarter list of owners, so this page uses short interest instead. It is a single reading at one point in time; we do not have its history. Why it is at this level: the figure does not say who holds the short positions or why, so we show the level without guessing the story. ## How far is Carter Bankshares from balance-sheet trouble? For Carter Bankshares, Inc., the Z-score is not used, because it was built for manufacturers, not lenders. For a lender, safety is read from its capital and bad-loan figures instead. ## How does Carter Bankshares rank in its industry? There is no score against its industry: Carter Bankshares, Inc. is not among the largest members shown in this industry comparison for Banks - Regional. The score ranks a company within its industry: each measure is scored against the other members. Without that group there is no score, so none is shown. ## Which companies is Carter Bankshares compared with? No sector comparison is shown here, not among the largest members shown in this industry comparison. ## Which companies are close to Carter Bankshares in size? Carter Bankshares is the 193rd largest of 274 Banks - Regional companies on Sector Alpha by market value (scores of 5 November 2026). Just above it: ACNB Corporation, Coastal Financial Corporation and Third Coast Bancshares, Inc. Just below it: First Business Financial Services, Inc., Northfield Bancorp, Inc. and Greene County Bancorp, Inc. ### Banks - Regional companies close in size

1. [ACNB Corporation](https://www.sectoralpha.in/us/stocks/acnb) $686 million
2. [Coastal Financial Corporation](https://www.sectoralpha.in/us/stocks/ccb) $680 million
3. [Third Coast Bancshares, Inc.](https://www.sectoralpha.in/us/stocks/tcbx) $676 million
4. Carter Bankshares, Inc. $646 million
5. [First Business Financial Services, Inc.](https://www.sectoralpha.in/us/stocks/fbiz) $644 million
6. [Northfield Bancorp, Inc.](https://www.sectoralpha.in/us/stocks/nfbk) $639 million
7. [Greene County Bancorp, Inc.](https://www.sectoralpha.in/us/stocks/gcbc) $623 million

[All 274 Banks - Regional companies, largest first](https://www.sectoralpha.in/us/sectors/banks-regional#all-companies)

### Companies close in size in other industries

1. [Cognyte Software Ltd.](https://www.sectoralpha.in/us/stocks/cgnt) $653 million · Software - Infrastructure
2. [Unusual Machines, Inc.](https://www.sectoralpha.in/us/stocks/umac) $651 million · Computer Hardware
3. Carter Bankshares, Inc. $646 million
4. [Mistras Group, Inc.](https://www.sectoralpha.in/us/stocks/mg) $645 million · Security & Protection Services
5. [Forward Air Corporation](https://www.sectoralpha.in/us/stocks/fwrd) $645 million · Integrated Freight & Logistics

## What else do people ask about Carter Bankshares? ### What were Carter Bankshares's latest quarterly results? Carter Bankshares, Inc. reported total income of $67.2 M and net profit of $28.5 M for the Jun 2026 quarter. Income rose 68.3% and profit rose 238.9% compared with a year earlier. Earnings per share were $1.31. The net margin was 42.4%, 21.3 percentage points higher than a year earlier (as of 4 November 2026). ### What is Carter Bankshares's market cap? Carter Bankshares, Inc.'s market capitalisation is $646 M at a stock price of $29.26. Market cap is the share price times the number of shares, so it changes whenever the price moves (as of 4 November 2026). ### How is Carter Bankshares performing? Carter Bankshares, Inc.'s share price has been rising for 53 weeks. In its latest quarter, income rose 68.3% and profit rose 238.9% compared with a year earlier. Over the past 13 weeks it has done worse than the S&P 500, for 8 weeks running (as of 4 November 2026). ### Will Carter Bankshares's stock price go up? This page does not forecast Carter Bankshares, Inc.'s stock price. What it shows instead: the stock price is $29.26, and it has been rising for 53 weeks. Its P/BV of 1.2× is higher than 84% of its own last 5 years (as of 4 November 2026). ### Where is Carter Bankshares in its business cycle? Carter Bankshares, Inc.'s FY25 net margin was 19.7%, against a 5-year range of 17.2% to 31.5%: the low end of its own range, which is often where recoveries start. The latest quarter was 42.4%. Comparing margins with a company's own long history is a good way to see where it is in its cycle (as of 4 November 2026). ### What could break the Carter Bankshares story? The main question: the share price moved +67.8% in a year while yearly earnings per share moved +30.2%. The difference came from the market paying a higher multiple. On price, this page treats a rise as over when the share price closes below its 200-day average on two Fridays in a row (as of 4 November 2026). ### Is Carter Bankshares a stock worth studying right now? What the numbers show: Carter Bankshares, Inc.'s share price has risen faster than its earnings: +67.8% in a year, against +30.2% for earnings per share. The main open question: whether earnings grow into a price that has already moved. Every number on this page is worked out by code from the published figures, with no forecasts and no price opinions (as of 4 November 2026). This is research, not advice. We’re not SEBI-registered.