Carter Bankshares

CARE

Banks - Regional · Financial Services

Price

$31.25

+0.10 (+0.32%)

Market Cap

$692.6M

Exchange

NASDAQ

Winston Score

Winston is curious

A decent business — some strong pillars, some weaker.

Data as of Aug 23, 2026 · filings through Jun 30, 2026

How the score breaks down

Growth

Exceptional

Valuation

Good

Dividends

Good

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Share count falling — buybacks

−14.8% over 4y

The company has reduced its share count over this period, returning value to shareholders through buybacks.

Diluted shares outstanding: 26.3M (2021) → 22.5M (2025)

Winston Score History

The full picture

Carter Bankshares is a regional bank headquartered in Martinsville, Virginia. It offers everyday banking services like checking and savings accounts, loans, and mortgages to individuals and small businesses. The bank operates mainly in Virginia and North Carolina through a network of branch locations.

Carter Bankshares makes money primarily by collecting interest on loans and charging fees for banking services. It is a smaller community bank with around $4 billion in total assets, which means it competes against both large national banks and other local lenders. Its main advantage is deep roots in its local communities, but its small size and geographic concentration in a limited region also represent a key risk — any economic slowdown in Virginia or North Carolina could have an outsized impact on loan quality and earnings.

Growth Profile

For growth stock investors

When traditional metrics don't capture the full picture, these are the signals growth stock investors use instead.

Revenue Growth

+46.3% YoY

YoY Growth Rate

Revenue accelerating

EPS Growth

+256.8% YoY

YoY Growth Rate

EPS growth accelerating

R&D Spend

$0/ year

0.0% of revenue

Below sector average (7%)

Research and development spending

Insider Activity

4.5%ownership

→ Flat

Insider ownership roughly steady over the past year

Cash Position

Cash flow positive

$4.6B cash & investments

Quarterly Free Cash Flow

↑ Burn rate improving

Company generates more cash than it spends — no dilution risk from fundraising

Revenue accelerating

Carter Bankshares grew revenue 46% year-over-year and the growth rate is speeding up. That's the kind of momentum growth investors look for — the question is whether margins can follow.

The Winston Score above measures business quality today. Growth stocks often score lower because they invest in the future rather than maximising current profits. These metrics show what matters most for evaluating that future.

Score breakdown

Every number that matters to educated investors.

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Bank Quality

Not applicable for this business.

Growth

Sales growth

Sales YoY

+41.9%

Fast-growing sales (+41.9% YoY)

Profit growth

EPS YoY

+332.4%

Earnings growing fast (+332.4% YoY)

Earnings growing 25%+ a year. The compounder zone.

How steady the profit is

EPS Consistency

7/8 quarters

Every recent quarter grew earnings vs last year

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Capital Strength

Not applicable for this business.

Asset Quality

Not applicable for this business.

Valuation

Price vs profit

P/E Ratio (TTM)

5.3x

Attractive valuation — P/E 5.3

P/E under 10. The price tag is small relative to last year's profit.

Cheaper or dearer next year

P/E vs Forward

-7.3

SLOWING

Earnings expected to fall — forward P/E higher than today

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Dividends

Dividend

Dividend Yield

1.28%

Small dividend — 1.28% yield

Modest yield. The bulk of any return needs to come from price appreciation.

Dividend record

Dividend Growth

+10.0%

Dividend growing fast (10.0% YoY)

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