Carter Bankshares, Inc. Financial Ratios — CARE Stock

Profitability (USD)

	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Return on Common Equity (%)	- -	8.68	7.1	8.66	9.5	3.71	-0.16	2.74	5.84	-10.04	7.45	13.61	6.88	6.67	7.8
Return on Assets (%)	- -	0.72	0.57	0.72	0.82	0.34	-0.02	0.29	0.66	-1.12	0.76	1.2	0.54	0.53	0.66
Return on Capital (%)	- -	8.68	7.1	8.66	9.5	3.71	- -	2.74	5.78	- -	7.1	10.85	3.73	4.09	5.96
Return on Invested Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Gross Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Operating Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Incremental Operating Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Pretax Margin (%)	35.46	36.83	33.35	38.04	42.3	17.57	-16.99	11.95	22.85	-35.24	26.71	38.84	20.86	23.31	26.84
Profit Margin (%)	27.88	27.18	24.73	29.41	33.53	15.93	-0.64	9.94	21.85	-35.84	23.63	31.54	16.98	18.52	21.04
Net Income to Common Margin (%)	27.88	27.18	24.73	29.41	33.53	15.93	-0.64	9.94	21.85	-35.84	23.63	31.54	16.98	18.52	21.04
Effective Tax Rate (%)	21.38	26.2	25.83	22.7	20.73	9.33	- -	16.79	4.35	- -	11.51	18.79	18.58	20.56	21.6
Dvd Payout Ratio (%)	34.9	34.61	40.28	31.39	26.82	49.3	- -	- -	- -	-8.04	- -	- -	- -	- -	- -
Sustainable Growth Rate (%)	- -	5.68	4.24	5.94	6.95	1.88	-0.16	2.74	5.84	-10.85	7.45	13.61	6.88	6.67	7.8

Credit (USD)

Credit Ratios API ChatGPT

	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Total Debt	- -	- -	- -	- -	- -	- -	- -	- -	10	35	7	181	393	70	179
ST Debt	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
LT Debt	- -	- -	- -	- -	- -	- -	- -	- -	10	35	7	181	393	70	179
Total Debt/EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Debt/EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Total Debt/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Debt/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA-CapEx/Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBIT to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	8.55	8.09	8.04	8.59	8.72	9.65	10.51	10.8	11.81	10.53	9.86	7.82	7.78	8.25	8.65
Long-Term Debt/Equity (%)	0.01	- -	- -	- -	- -	- -	- -	- -	2.11	7.95	1.72	54.94	112	18.21	42.53
Long-Term Debt/Capital (%)	0.01	- -	- -	- -	- -	- -	- -	- -	2.07	7.37	1.69	35.46	52.83	15.41	29.84
Long-Term Debt/Total Assets (%)	- -	- -	- -	- -	- -	- -	- -	- -	0.25	0.84	0.17	4.29	8.72	1.5	3.68
Total Debt/Equity (%)	0.01	- -	- -	- -	- -	- -	- -	- -	2.11	7.95	1.72	54.94	112	18.21	42.53
Total Debt/Capital (%)	0.01	- -	- -	- -	- -	- -	- -	- -	2.07	7.37	1.69	35.46	52.83	15.41	29.84
Total Debt/Total Assets (%)	- -	- -	- -	- -	- -	- -	- -	- -	0.25	0.84	0.17	4.29	8.72	1.5	3.68
Net Debt to Equity	-188.7	-141.6	-127.66	-60.92	-143.75	-159.85	-62.16	-67.36	-24.48	-47.01	-66.44	40.68	96.48	-15.92	17.47
Net Debt/Capital (%)	212.73	340.38	461.59	-155.88	328.55	267.09	-164.28	-206.35	-32.41	-88.73	-197.96	28.92	49.1	-18.93	14.87
EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA-CapEx	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Operating Income (Loss)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

Liquidity (USD)

Liquidity Ratios API ChatGPT

	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Cash Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Current Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Quick Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
CFO/Avg Current Liab	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	8.55	8.09	8.04	8.59	8.72	9.65	10.51	10.8	11.81	10.53	9.86	7.82	7.78	8.25	8.65
Long-Term Debt/Equity (%)	0.01	- -	- -	- -	- -	- -	- -	- -	2.11	7.95	1.72	54.94	112	18.21	42.53
Long-Term Debt/Capital (%)	0.01	- -	- -	- -	- -	- -	- -	- -	2.07	7.37	1.69	35.46	52.83	15.41	29.84
Long-Term Debt/Total Assets (%)	- -	- -	- -	- -	- -	- -	- -	- -	0.25	0.84	0.17	4.29	8.72	1.5	3.68
Total Debt/Equity (%)	0.01	- -	- -	- -	- -	- -	- -	- -	2.11	7.95	1.72	54.94	112	18.21	42.53
Total Debt/Capital (%)	0.01	- -	- -	- -	- -	- -	- -	- -	2.07	7.37	1.69	35.46	52.83	15.41	29.84
Total Debt/Total Assets (%)	- -	- -	- -	- -	- -	- -	- -	- -	0.25	0.84	0.17	4.29	8.72	1.5	3.68
CFO/Total Liabilities	0.99	1.1	0.86	1.04	1.2	0.8	1.2	1.37	1.08	0.21	2.08	1.83	1.12	0.86	0.9
CFO/CapEx	51.5	932.69	29.68	39.97	89.88	38.69	12.5	3.38	4.53	0.76	9.14	12.02	4.77	4.54	4.95
Altman's Z-Score	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

Working Capital (USD)

Working Capital Ratios API ChatGPT

No data availableFinancial data will appear here once available

Enterprise Value (USD)

Enterprise Value API ChatGPT

	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Market Capitalization	200	232	289	333	354	349	461	394	625	283	407	397	344	406	434
- Cash & Cash Equivalents	641	509	479	242	613	695	269	294	126	242	278	47	55	131	105
+ Preferred Equity and Hybrid Capital	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Minority/Non Controlling Interest	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Total Debt	- -	- -	- -	- -	- -	- -	- -	- -	10	35	7	181	393	70	179
Enterprise Value	-441	-276	-190	91	-259	-507	-755	-683	-234	-703	-786	-305	-37	-374	124
Total Capital	340	359	375	398	427	435	432	436	483	475	415	509	745	454	598
Total Debt/Capital (%)	0.01	- -	- -	- -	- -	- -	- -	- -	2.07	7.37	1.69	35.46	52.83	15.41	29.84
Total Debt / EV	- -	- -	- -	- -	- -	- -	- -	- -	-0.04	-0.05	-0.01	-0.59	-10.6	-0.19	1.44
EV/Sales	- -	- -	- -	0.8	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	0.83
EV/EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/Cash Flow to Firm	- -	- -	- -	2.08	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	3.11
EV/Free Cash Flow to Firm	- -	- -	- -	2.13	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	3.9
Diluted Market Cap	200	232	289	333	354	349	461	394	625	283	407	408	348	409	441
Diluted Enterprise Value	-441	-276	-190	91	-259	-507	-755	-683	-234	-703	-786	-295	-33	-371	131
EV per Share	- -	- -	- -	3.47	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	5.61
TTM Sales	108	112	105	114	117	100	107	120	122	128	134	159	138	132	149
TTM EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
TTM Operating Income	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
TTM Cash Flow to Firm	36	45	37	44	54	33	- -	49	38	- -	78	71	47	37	40
TTM Free Cash Flow to Firm	35	45	36	43	53	32	- -	35	30	- -	69	65	37	29	32

Multiples (USD)

Valuation Multiples API ChatGPT

	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Price/Free Cash Flow	5.65	5.2	8.1	7.8	6.68	10.97	11.32	11.32	20.94	-117.05	5.89	6.29	9.42	14.19	13.88
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Enterprise Value	-441	-276	-190	91	-259	-507	-755	-683	-234	-703	-786	-305	-37	-374	124
Low Price	7.15	7.75	8.82	10.92	12.22	11.7	12.99	14.45	14.85	6.3	9.75	12.58	10.43	10.95	13.61
EV/Sales	- -	- -	- -	0.8	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	0.83
EV/EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Earnings	6.65	7.66	11.08	9.97	9.05	21.84	- -	33.09	23.5	- -	12.88	8.14	14.88	16.67	14.08
Price/Earnings Average	7.53	7.47	10.47	9.07	8.57	21.53	- -	38.93	19.01	- -	11.2	7.92	14.21	14.47	12.59
Price/Earnings High	8.51	8.13	13.04	9.97	9.05	23.2	- -	44.34	24.02	- -	13.72	9.24	17.6	19.33	14.77
Price/Earnings Low	6.24	6.71	8.88	8.57	8.19	19.23	- -	31.87	14.71	- -	8.16	6.17	10.37	10.38	9.74
Price/Book Value	0.59	0.65	0.77	0.84	0.83	0.8	1.07	0.9	1.32	0.64	1	1.21	0.98	1.06	1.03
Price/Book Value Average	0.67	0.63	0.73	0.76	0.79	0.79	0.99	1.06	1.07	0.61	0.87	1.18	0.93	0.92	0.93
Price/Book Value High	0.75	0.69	0.91	0.84	0.83	0.85	1.11	1.21	1.35	1.42	1.06	1.37	1.16	1.22	1.09
Price/Book Value Low	0.55	0.57	0.62	0.72	0.75	0.71	0.79	0.87	0.83	0.38	0.63	0.92	0.68	0.66	0.72
Price/Tangible Book Value	0.79	0.82	0.95	0.99	0.97	0.93	1.24	1.05	1.52	0.64	1	1.21	0.98	1.06	1.04
Price/Tangible Book Value Average	0.89	0.8	0.89	0.9	0.92	0.92	1.14	1.24	1.23	0.61	0.87	1.18	0.93	0.92	0.93
Price/Tangible Book Value High	1	0.87	1.11	0.99	0.97	0.99	1.29	1.41	1.55	1.42	1.06	1.37	1.16	1.22	1.09
Price/Tangible Book Value Low	0.74	0.72	0.76	0.85	0.87	0.82	0.92	1.01	0.95	0.38	0.63	0.92	0.68	0.66	0.72
Price/Sales	1.85	2.08	2.74	2.93	3.04	3.48	4.3	3.29	5.13	2.21	3.04	2.57	2.53	3.09	2.96
Price/Sales Average	2.1	2.03	2.59	2.67	2.87	3.43	3.97	3.87	4.15	2.09	2.65	2.5	2.41	2.68	2.65
Price/Sales High	2.37	2.21	3.23	2.93	3.04	3.7	4.46	4.41	5.25	4.89	3.24	2.92	2.99	3.58	3.11
Price/Sales Low	1.74	1.82	2.2	2.52	2.75	3.06	3.18	3.17	3.21	1.3	1.93	1.95	1.76	1.92	2.05
Price/Cash Flow	5.54	5.19	7.82	7.6	6.61	10.69	10.41	7.97	16.31	36.71	5.25	5.76	7.45	11.07	11.08
Price/Cash Flow Average	6.28	5.06	7.39	6.92	6.25	10.54	9.62	9.38	13.2	34.72	4.56	5.61	7.11	9.61	9.91
Price/Cash Flow High	7.09	5.51	9.21	7.6	6.61	11.35	10.81	10.68	16.67	81.15	5.59	6.54	8.81	12.84	11.62
Price/Cash Flow Low	5.2	4.55	6.27	6.54	5.98	9.41	7.71	7.68	10.21	21.57	3.32	4.37	5.19	6.89	7.66
Price/Free Cash Flow Average	6.4	5.07	7.65	7.1	6.32	10.82	10.46	13.32	16.94	-110.71	5.13	6.12	9	12.32	12.42
Price/Free Cash Flow High	7.23	5.52	9.53	7.8	6.68	11.65	11.75	15.17	21.41	-258.78	6.28	7.14	11.14	16.46	14.57
Price/Free Cash Flow Low	5.3	4.55	6.49	6.71	6.05	9.66	8.38	10.91	13.11	-68.79	3.73	4.77	6.56	8.83	9.61
EV/Sales Average	- -	- -	- -	0.54	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	0.52
EV/Sales High	- -	- -	- -	0.8	- -	- -	- -	- -	- -	- -	- -	- -	0.19	- -	0.98
EV/Sales Low	- -	- -	- -	0.39	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBITDA Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBITDA High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBITDA Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Last Price	7.62	8.85	11	12.7	13.5	13.29	17.55	15	23.72	10.72	15.39	16.59	14.97	17.59	19.66
High Price	9.75	9.4	12.95	12.7	13.5	14.12	18.23	20.1	24.25	23.7	16.4	18.84	17.7	20.4	20.63
Enterprise Value Average	-414	-282	-206	61	-278	-512	-790	-613	-353	-718	-839	-316	-53	-427	78
Enterprise Value High	-385	-262	-139	91	-259	-485	-737	-549	-220	-360	-760	-251	26	-309	145
Enterprise Value Low	-453	-305	-247	44	-292	-548	-875	-697	-467	-819	-935	-401	-141	-527	-10

Per Share Data Items (USD)

Per-Share Data API ChatGPT

	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Shares Outstanding	26	26	26	26	26	26	26	26	26	26	26	24	23	23	22
Diluted Weighted Avg Shares	26	26	26	26	26	26	26	26	26	26	26	25	23	23	22
Basic Weighted Avg Shares	26	26	26	26	26	26	26	26	26	26	26	25	23	23	22
Revenue per Share	4.11	4.25	4.02	4.33	4.45	3.82	4.08	4.56	4.62	4.85	5.06	6.46	5.93	5.7	6.64
EBITDA per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Operating Income per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Basic EPS, GAAP	1.15	1.16	0.99	1.27	1.49	0.61	-0.03	0.45	1.01	-1.74	1.2	2.04	1.01	1.06	1.4
Basic EPS from Cont Ops	1.15	1.16	0.99	1.27	1.49	0.61	-0.03	0.45	1.01	-1.74	1.2	2.04	1.01	1.06	1.4
Diluted EPS, GAAP	1.15	1.16	0.99	1.27	1.49	0.61	-0.03	0.45	1.01	-1.74	1.2	2.04	1.01	1.06	1.4
Diluted EPS from Cont Ops	1.15	1.16	0.99	1.27	1.49	0.61	-0.03	0.45	1.01	-1.74	1.2	2.04	1.01	1.06	1.4
Dividend per Share	0.4	0.4	0.4	0.4	0.4	0.3	- -	- -	- -	0.14	- -	- -	- -	- -	- -
Cash Flow per Share	1.37	1.7	1.41	1.67	2.04	1.24	1.69	1.88	1.45	0.29	2.93	2.88	2.01	1.59	1.78
Free Cash Flow per Basic Share	1.35	1.7	1.36	1.63	2.02	1.21	1.55	1.32	1.13	-0.09	2.61	2.64	1.59	1.24	1.42
Cash & Equivalents per Share	24.4	19.38	18.23	9.23	23.35	32.59	46.3	40.98	32.98	38.68	45.41	36.86	33.72	36.83	22.13
Book Value per Share	12.93	13.69	14.28	15.15	16.24	16.55	16.46	16.6	17.97	16.68	15.42	13.72	15.3	16.66	19.01
Tangible Book Value per Share	9.71	10.75	11.62	12.78	13.97	14.28	14.18	14.24	15.6	16.68	15.42	13.72	15.3	16.66	18.91