Carter Bankshares, Inc.

Carter Bankshares, Inc.

30.70
USD
+0.33
(+1.09%)
5.85EPS
5.81P/E
753.74MMarket Cap

Total Valuation

USD

As of June 30, 2026, Carter Bankshares, Inc. carries a market capitalization of 753.74M, placing it among publicly traded companies globally. Its enterprise value stands at 75.45M, reflecting the total theoretical takeover cost after accounting for cash holdings and debt obligations.

Market Cap753.74M
Enterprise Value75.45M

Important Dates

Carter Bankshares, Inc.'s next confirmed earnings release is scheduled for October 22, 2026.

Earnings Date10/22/2026

Share Statistics

As of June 30, 2026, Carter Bankshares, Inc. has 22.16M shares outstanding.

Shares Outstanding22.16M

Valuation Ratios

As of June 30, 2026, Carter Bankshares, Inc. trades at a trailing price-to-earnings ratio of 5.81. The price-to-sales ratio is 3.49, and the price-to-book ratio stands at 1.40.

PE Ratio5.81
PS Ratio3.49
PB Ratio1.40
P/TBV Ratio1.40
P/FCF Ratio12.71
P/OCF Ratio11.10

Enterprise Valuation

These figures are as of June 30, 2026. The EV/Sales ratio of 0.35 reflects the premium investors pay for the company's revenue stream, a useful check when earnings are depressed or negative. Carter Bankshares, Inc. trades at an EV/FCF ratio of 1.28, comparing the total takeover cost of the business to the cash it actually generates for all capital providers. These enterprise value multiples are built on an enterprise value of 75.45M versus a market cap of 753.74M, with the gap driven by net debt and cash on the balance sheet.

EV / Sales0.35
EV / FCF1.28

Financial Efficiency

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Over the twelve months ended June 30, 2026, Carter Bankshares, Inc. posted a return on equity (ROE) of 27.22, showing how much profit the company earns on every dollar of shareholder capital. Return on assets (ROA) stands at 2.68, measuring how efficiently the asset base is converted into earnings. Return on capital employed (ROCE) is 24.30, useful for judging operating efficiency across full business cycles. The company generates approximately 312,696.10 in revenue per employee across its workforce of 685.25, a quick read on workforce productivity versus industry peers.

Return on Equity (ROE)27.22
Return on Assets (ROA)2.68
Return on Capital Employed (ROCE)24.30
Revenue Per Employee312,696.10
Employee Count685.25

Taxes

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Over the twelve months ended June 30, 2026, Carter Bankshares, Inc. recorded 36.94M in income tax expense. That works out to an effective tax rate of 22.32, which can sit above or below the statutory corporate tax rate depending on foreign earnings mix, tax credits, and one-off items. Taxes are levied on pretax income of 165.51M, leaving 128.57M in net income after tax - the gap is what shifts in the tax rate do to reported earnings and EPS.

Income Tax36.94M
Effective Tax Rate22.32

Stock Price Statistics

USD

As of the close on October 22, 2026, Carter Bankshares, Inc.'s stock has gained approximately 62.09% over the past 52 weeks. The 50-day moving average sits at 30.85, while the 200-day moving average is 27.17.

52-Week Price Change62.09%
50-Day Moving Average30.85
200-Day Moving Average27.17

Income Statement

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Over the twelve months ended June 30, 2026, Carter Bankshares, Inc. generated 214.28M in revenue and converted that into 128.57M in net income, yielding earnings per share of 5.85.

Revenue214.28M
Pretax Income165.51M
Net Income128.57M
Earnings Per Share (EPS)5.85

Balance Sheet

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These figures are as of June 30, 2026.

Cash & Cash Equivalents678.29M
Net Debt-276.53M
Equity (Book Value)539.15M
Book Value Per Share24.33

Cash Flow

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Carter Bankshares, Inc. produced 67.26M in operating cash flow over the twelve months ended June 30, 2026. After subtracting -8.50M in capital expenditures, free cash flow totaled 58.76M - equivalent to 2.68 per share.

Operating Cash Flow67.26M
Capital Expenditures-8.50M
Free Cash Flow58.76M
FCF Per Share2.68

Margins

These figures cover the twelve months ended June 30, 2026.

Pretax Margin77.24
Profit Margin60.00

Dividends & Yields

These figures cover the twelve months ended June 30, 2026. Free cash flow yield stands at 7.87, showing how much cash the business generates relative to its market value - dividends covered by free cash flow are generally more durable than those funded by debt. Total shareholder yield reaches 20.45, combining dividends paid with share buybacks and debt reduction for a fuller picture of capital returned to Carter Bankshares, Inc. shareholders.

Shareholder Yield20.45
FCF Yield7.87