/CARE

CARE Stock - Carter Bankshares, Inc.

Q: What is the analyst price target for CARE?

Analyst price target information is not currently available for CARE.

Q: What is CARE's market cap?

Market capitalization information is not currently available for CARE.

Financial Services|Banks - Regional|NASDAQ

$20.04-2.29%

$0.47 (-2.29%) • Dec 19

GoAI Score

Weighted average: Momentum (25%) + Sentiment (35%) + Risk (20%) + Value (20%). ≥70 = BUY, ≤35 = SELL.

BUY

Medium Confidence

Momentum

Momentum Score

Based on price vs 50-day MA (40%), 200-day MA (40%), and MA crossover (20%). Higher = stronger uptrend.

Sentiment

Sentiment Score

Based on analyst price target upside. 50 = neutral, 100 = very bullish (25%+ upside expected).

Risk Score

Based on stock beta (volatility). Higher score = lower risk. Red (<40) = high volatility, Green (>60) = stable.

Price Target

Average analyst price target from the last quarter. Shows expected upside/downside from current price.

+9.8%upside

Target: $22.00

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Financial Statements

Revenue & Profitability Trend

FY2020

FY2021

FY2022

FY2023

FY2024

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Revenue

Net Income (Profit)

Net Loss

Key Metrics

Market CapN/A

P/E RatioN/A

Beta0.62

52W High$20.63

52W Low$13.61

Avg VolumeN/A

Income Statement (Fiscal Year)

Metric	FY2024	FY2023	FY2022	FY2021	FY2020
Revenue	$239.67M	$211.82M	$179.15M	$156.38M	$163.77M
Gross Profit	$137.45M	$131.31M	$155.97M	$131.58M	$109.94M
Gross Margin	57.3%	62.0%	87.1%	84.1%	67.1%
Operating Income	$30.87M	$28.72M	$61.72M	$35.70M	$-45,086,000
Net Income	$24.52M	$23.38M	$50.12M	$31.59M	$-45,858,000
Net Margin	10.2%	11.0%	28.0%	20.2%	-28.0%
EPS	$1.06	$1.00	$2.03	$1.20	$-1.74

Company Overview

Carter Bankshares, Inc. operates as the bank holding company for Carter Bank & Trust that provides various banking products and services. It accepts various deposit products, including checking, savings, retirement, and money market accounts, as well as longer-term certificates of deposits. The company also offers commercial loans comprising secured and unsecured loans; consumer loans, such as secured and unsecured loans for financing automobiles, home improvements, education, overdraft protection, and personal investments, as well as residential mortgages; real estate construction and acquisition loans; home equity lines of credit; and credit cards, as well as originates and holds fixed and variable rate mortgage loans. In addition, it provides other banking services that include safe deposit boxes, direct deposit of payroll and social security checks, online banking, bill pay, online account opening, mobile deposit, mobile banking, debit cards, e-statements, and ATM services; title insurance and other financial institution-related products and services; and treasury and corporate cash management services. It operates through 69 branches in Virginia and North Carolina. Carter Bankshares, Inc. was founded in 1974 and is headquartered in Martinsville, Virginia.

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Rating Distribution

Strong Buy

Buy / Outperform

60%

Hold / Neutral

40%

Sell / Underperform

Analyst Consensus🟡 Mixed

3 Bullish2 Neutral/Bearish

Price Targets

$19

Average Target

↓ 7.7% Downside

Now

$16

Low

$19

Average

$22

High

Based on 5 analysts

Recent Analyst Actions

Date	Firm	Action	Rating	Price Target
October 2nd 2024	Hovde Group	Initiation	Outperform	$22
May 1st 2023	Raymond James	Upgrade	Outperform	$17
April 6th 2023	Raymond James	Resumed	Market Perform	-
December 5th 2022	Piper Sandler	Resumed	Neutral	$19
October 6th 2022	DA Davidson	Downgrade	Neutral	$18.5← $17.5
July 7th 2022	Raymond James	Upgrade	Outperform	$16

Earnings History & Surprises

CARE

Beat Rate

61%

Last 18 quarters

Avg Surprise

+3.7%

EPS vs Estimate

Beats / Misses

11/6

1 met exactly

Latest EPS

$0.26

Q4 2025

EPS Surprise History

Q1 24

-111.8%

$-0.02vs$0.17

Q2 24

+150.0%

$0.25vs$0.10

Q3 24

0.0%

$0.21vs$0.21

Q4 24

+9.1%

$0.24vs$0.22

Q1 25

+76.2%

$0.37vs$0.21

Q2 25

+6.7%

$0.32vs$0.30

Q3 25

+32.3%

$0.41vs$0.31

Q4 25

-33.3%

$0.26vs$0.39

Beat Estimate

Missed Estimate

Quarterly EPS Details

Period	Report Date	Estimated EPS	Actual EPS	Surprise	Result
Q2 2026	Apr 22, 2026	—	—	—	—
Q1 2026	Jan 22, 2026	$0.33	—	—	—
Q4 2025	Oct 23, 2025	$0.39	$0.26	-33.3%	✗ MISS
Q3 2025	Jul 24, 2025	$0.31	$0.41	+32.3%	✓ BEAT
Q2 2025	Apr 24, 2025	$0.30	$0.32	+6.7%	✓ BEAT
Q1 2025	Jan 23, 2025	$0.21	$0.37	+76.2%	✓ BEAT
Q4 2024	Oct 24, 2024	$0.22	$0.24	+9.1%	✓ BEAT
Q3 2024	Jul 25, 2024	$0.21	$0.21	0.0%	= MET
Q2 2024	Apr 25, 2024	$0.10	$0.25	+150.0%	✓ BEAT
Q1 2024	Jan 25, 2024	$0.17	$-0.02	-111.8%	✗ MISS
Q4 2023	Oct 26, 2023	$0.20	$0.16	-20.0%	✗ MISS
Q3 2023	Jul 27, 2023	$0.62	$0.24	-61.3%	✗ MISS
Q2 2023	Apr 27, 2023	$0.62	$0.67	+8.1%	✓ BEAT
Q1 2023	Jan 26, 2023	$0.61	$0.65	+6.6%	✓ BEAT
Q4 2022	Oct 27, 2022	$0.51	$0.54	+5.9%	✓ BEAT
Q3 2022	Jul 28, 2022	$0.37	$0.44	+18.9%	✓ BEAT
Q2 2022	Apr 26, 2022	$0.30	$0.36	+20.0%	✓ BEAT
Q1 2022	Jan 27, 2022	$0.34	$0.21	-38.2%	✗ MISS
Q4 2021	Oct 28, 2021	$0.33	$0.42	+27.3%	✓ BEAT
Q3 2021	Jul 29, 2021	$0.30	$0.21	-30.0%	✗ MISS

Frequently Asked Questions about CARE

What is CARE's current stock price?

Carter Bankshares, Inc. (CARE) is currently trading at $20.04 per share. The stock has moved -2.29% today.

What is the analyst price target for CARE?

The average analyst price target for CARE is $22.00, based on 1 analyst.

What sector is Carter Bankshares, Inc. in?

Carter Bankshares, Inc. operates in the Financial Services sector, specifically within the Banks - Regional industry. The company is traded on the NASDAQ exchange.

What is CARE's market cap?

Carter Bankshares, Inc. has a market capitalization of $0.45 billion, making it a small-cap company.

Does CARE pay dividends?

No, Carter Bankshares, Inc. does not currently pay a dividend to shareholders.