Carter Bankshares, Inc (CARE) Fair Value & Analysis

Financial Services · US · Market cap $688M

A solid business, but screening 44% overvalued on our models.

What matters now

• The price sits above even our optimistic bull case ($22.93). The favourable scenario is already priced in.
• Solid but not exceptional quality (60/100) and above fair value, neither a clear bargain nor a standout compounder.
• For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.

Price vs Fair Value (5 years)

White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Jul 26, 2026.

How to read this chart

60‑month range $10.11 – $35.72 · fair‑value band $13.76 – $22.93 · the $33.00 price screens above the $18.35 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Jul 26, 2026.

Full chart & analysis →

Which stocks are undervalued right now? Check free Discover now →

Analysis

Carter Bankshares, Inc (CARE) currently trades at $33.00, while our model-based Fair Value estimate is $18.35, implying the stock looks roughly 44.4% overvalued today. The Quality Score stands at 60/100 (solid quality), in the Financial Services sector. Bear case: priced above our estimate, the market already discounts strong expectations. Bull case: above-average quality can justify a premium, the entry price still matters most (evidence: high).

Over the trailing twelve months, Carter Bankshares, Inc generated revenue of $259M at a net margin of 41.8%. Revenue grew 260.0% year over year. It earns a return on equity of 23.9%. Net debt stands at $73.3M. Fundamentals as of Jul 26, 2026

Our scenario range runs from $13.76 (bear case) to $22.93 (bull case); at $33.00, the current price sits above that range. Bear and bull are the same models run on conservative and optimistic assumptions (margins, growth, valuation multiples), so a plausible valuation range, not a price target. The share trades near its 52-week high and 103% above its 52-week low, currently above its 200-day average. For context, the median of 10 Financial Services peers we cover trades at 42% fair-value upside, at -44%, CARE screens richer than that median.

Fair Value models

Each model estimates fair value its own way; the Fair Value above is the evidence-weighted blend. Evidence (0–100) measures how completely this model’s inputs are available: well-fed models carry more weight in the blend. The spread across models is intentional, each one stresses a different value driver; dividend models, for instance, come out structurally low when payout is small.

Widest divergence: Multiples ($18.35) versus Asset-Based ($12.65). Highest evidence: Residual Income (76).

Key figures & financial health

Quality Score breakdown

About the company

Carter Bankshares, Inc. operates as the bank holding company for Carter Bank & Trust that provides various retail and commercial banking products and insurance services in the United States. It offers various deposit products, including checking, savings, retirement, and money market accounts, as well as certificates of deposit.

Full company description

Carter Bankshares, Inc. operates as the bank holding company for Carter Bank & Trust that provides various retail and commercial banking products and insurance services in the United States. It offers various deposit products, including checking, savings, retirement, and money market accounts, as well as certificates of deposit. The company also provides commercial loans, such as secured and unsecured, real estate construction and acquisition, and commercial and industrial loans; consumer loans, such as automobiles, home improvements, education, overdraft protection, and personal, and residential mortgages loans; home equity lines of credit; and credit cards, as well as originates and holds fixed and variable rate mortgage loans. In addition, it offers other banking services that include safe deposit boxes, direct deposit of payroll, social security checks, and debit cards; online banking products, including online and mobile banking, online account opening, bill payment, electronic statement, mobile deposit, Zelle, credit monitoring tools, digital wallet, MoneyPass, and ATM services; title insurance and other financial institution-related products and services; and treasury and corporate cash management services. Carter Bankshares, Inc. was founded in 1974 and is headquartered in Martinsville, Virginia.

Company description, as reported by the company or data provider.

Revenue & earnings trend

FY2021 – FY2025 · reported fiscal years

Carter Bankshares, Inc reported revenue of $255M in FY2025 versus $156M in FY2021, a compound +13.0%/yr. Reported net income was $31.4M in FY2025, compounding −0.2%/yr from FY2021.

CARE screens 44% overvalued. Compare with PT Bank Central Asia Tbk →

Earlier news

External third-party headlines (Yahoo Finance, Reuters and others), not an editorial selection.

• Carter Bank & Trust declares $0.10 dividend Seeking Alpha · Jul 23, 2026
• Carter Bankshares, Inc. (CARE) Earnings Expected to Grow: What to Know Ahead of Q1 Release Yahoo Finance · Apr 16, 2026

Peer Group

Banks - Regional · 1083 stocks

How this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.

Valuation Multiples vs Banks - Regional median · lower = cheaper

Snowflake

Five quick dimensions, each 0 to 100: VALUE (fair-value potential), FUTURE (revenue growth), PAST (return on equity), HEALTH (low debt), DIVIDEND (yield). Green = this stock, grey = typical sector peer.

VALUE 0: the price sits above our fair-value range.

Values & ESG

Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.

ESG scores are not available for this stock yet. Values and ESG data are contextual and can differ between providers.

Similar stocks

10 more Banks - Regional stocks, each showing price versus our Fair Value estimate (as of Jul 26, 2026).

Explore undervalued stocks

More undervalued Financial Services stocks →

Frequently asked questions

How we calculate Fair Value

Each company is valued through a stack of independent intrinsic-value models (DCF variants, residual-income, multiples and more), blended into one family-balanced consensus and weighted by how much trustworthy data backs it. A separate quality layer scores the fundamentals. Every input is real reported data, nothing guessed.