20 years of revenue, earnings, cash-flow and balance-sheet history from public filings.
Carter Bank and Trust (CARE) operates in the BANKS - REGIONAL industry and is headquartered in Martinsville, United States with about 687 employees. Its market capitalization is roughly $641 million. In the fiscal year ended 2025-12-31, CARE reported $255M in revenue and $31M in net income.
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.
Interactive charts & full statements → Open the CARE valuation workbench →
| Income statement | TTM → 2026-06-30 | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 | 2019-12-31 | 2018-12-31 | 2017-12-31 | 2016-12-31 | 2015-12-31 | 2014-12-31 | 2013-12-31 | 2012-12-31 | 2011-12-31 | 2010-12-31 | 2009-12-31 | 2008-12-31 | 2007-12-31 | 2006-12-31 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Total Revenue | $348M | $255M | $240M | $212M | $179M | $156M | $164M | $168M | $158M | $144M | $147M | $165M | $159M | $158M | $168M | $165M | $166M | $158M | $151M | $157M | $21M |
| Gross Profit | $285M | $157M | $137M | $131M | $156M | $132M | $110M | $118M | $103M | $64M | $83M | $113M | $111M | $103M | $109M | $106M | $97M | $86M | — | — | — |
| Gross Margin % | 81.9% | 61.7% | 57.4% | 62.0% | 87.1% | 84.1% | 67.1% | 70.2% | 65.2% | 44.4% | 56.3% | 69.0% | 69.6% | 64.9% | 65.0% | 64.5% | 58.5% | 54.2% | — | — | — |
| Operating Income (EBIT) | $166M | $40M | $31M | $29M | $62M | $36M | ($45M) | $28M | $14M | ($18M) | $18M | $49M | $43M | $35M | $41M | $38M | $27M | $18M | $10M | $16M | $3M |
| Operating Margin % | 47.5% | 15.7% | 12.9% | 13.6% | 34.4% | 22.8% | -27.5% | 16.5% | 9.1% | -12.6% | 12.0% | 30.0% | 27.2% | 22.2% | 24.5% | 23.3% | 16.3% | 11.5% | 6.6% | 10.4% | 12.4% |
| Net Income | $129M | $31M | $25M | $23M | $50M | $32M | ($46M) | $27M | $12M | ($1M) | $16M | $39M | $33M | $26M | $30M | $30M | $23M | $18M | $10M | $13M | $2M |
| Net Margin % | 36.9% | 12.3% | 10.2% | 11.0% | 28.0% | 20.2% | -28.0% | 15.8% | 7.5% | -0.5% | 10.9% | 23.8% | 21.0% | 16.5% | 18.1% | 18.3% | 13.7% | 11.2% | 6.4% | 8.4% | 8.8% |
| EBITDA | $174M | $48M | $38M | $35M | $68M | $42M | ($39M) | $33M | $18M | ($15M) | $21M | $55M | $54M | $46M | $52M | $49M | $38M | $29M | $20M | $27M | $3M |
| Earnings Per Share (EPS) | $5.88 | $1.40 | $1.06 | $1.01 | $2.04 | $1.20 | $-1.74 | $1.01 | $0.45 | $-0.03 | $0.61 | $1.49 | $1.27 | $0.99 | $1.16 | $1.15 | $0.87 | $0.68 | $0.38 | $0.53 | $0.08 |
| Shares Outstanding (M) | 22M | 22M | 23M | 23M | 25M | 26M | 26M | 26M | 26M | 26M | 26M | 26M | 26M | 26M | 26M | 26M | 26M | 26M | 26M | 25M | 25M |
USD; $M / $B as marked. Newest period first. Source: public company filings (via Yahoo Finance aggregation).
| Quarterly income statement | 2026-06-30 | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 | 2025-03-31 | 2024-12-31 | 2024-09-30 |
|---|---|---|---|---|---|---|---|---|
| Total Revenue | $90M | $130M | $65M | $64M | $62M | $62M | $61M | $61M |
| Gross Profit | $67M | $141M | $42M | $35M | $39M | $38M | $39M | $34M |
| Gross Margin % | 74.5% | 108.4% | 65.2% | 54.9% | 63.1% | 61.7% | 63.3% | 54.9% |
| Operating Income (EBIT) | $37M | $110M | $11M | $7M | $11M | $11M | $11M | $7M |
| Operating Margin % | 41.3% | 84.5% | 17.2% | 11.2% | 17.2% | 18.0% | 17.5% | 11.5% |
| Net Income | $29M | $86M | $8M | $5M | $9M | $9M | $8M | $6M |
| Net Margin % | 32.0% | 65.9% | 13.1% | 8.5% | 13.8% | 14.5% | 13.6% | 9.2% |
| EBITDA | $39M | $112M | $13M | $9M | $13M | $13M | $13M | $9M |
| Earnings Per Share (EPS) | $1.32 | $3.93 | $0.39 | $0.24 | $0.37 | $0.39 | $0.36 | $0.24 |
| Shares Outstanding (M) | 22M | 22M | 22M | 22M | 23M | 23M | 23M | 23M |
USD; $M / $B as marked. Newest period first. Source: public company filings (via Yahoo Finance aggregation).
| Cash flow | TTM → 2026-06-30 | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 | 2019-12-31 | 2018-12-31 | 2017-12-31 | 2016-12-31 | 2015-12-31 | 2014-12-31 | 2013-12-31 | 2012-12-31 | 2011-12-31 | 2010-12-31 | 2009-12-31 | 2008-12-31 | 2007-12-31 | 2006-12-31 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Cash from Operations (CFO) | $67M | $40M | $37M | $47M | $71M | $78M | $8M | $38M | $49M | $44M | $33M | $54M | $44M | $37M | $45M | $36M | $44M | $6M | $21M | $23M | $4M |
| Capital Expenditures (CapEx) | $8M | $8M | $8M | $10M | $6M | $8M | $10M | $8M | $15M | $4M | $1M | $1M | $1M | $1M | $0M | $1M | $2M | $2M | $35M | $3M | $1M |
| Free Cash Flow (FCF) | $59M | $32M | $29M | $37M | $65M | $69M | ($2M) | $30M | $35M | $41M | $32M | $53M | $43M | $36M | $45M | $35M | $42M | $4M | ($14M) | $20M | $3M |
| FCF Margin % | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — |
| Dividends Paid | — | — | — | — | $0M | $0M | $4M | — | $0M | $0M | $8M | $11M | $11M | $11M | $11M | $11M | $11M | $11M | $10M | $10M | $2M |
USD; $M / $B as marked. Newest period first. Source: public company filings (via Yahoo Finance aggregation).
| Quarterly cash flow | 2026-06-30 | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 | 2025-03-31 | 2024-12-31 | 2024-09-30 |
|---|---|---|---|---|---|---|---|---|
| Cash from Operations (CFO) | ($261M) | $304M | $12M | $12M | $10M | $6M | $11M | $10M |
| Capital Expenditures (CapEx) | $2M | $2M | $3M | $2M | $2M | $2M | $3M | $2M |
| Free Cash Flow (FCF) | ($263M) | $302M | $9M | $10M | $8M | $5M | $8M | $8M |
| FCF Margin % | — | — | — | — | — | — | — | — |
| Dividends Paid | $2M | — | — | — | — | — | — | — |
USD; $M / $B as marked. Newest period first. Source: public company filings (via Yahoo Finance aggregation).
| Balance sheet | 2026-06-30 | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 | 2019-12-31 | 2018-12-31 | 2017-12-31 | 2016-12-31 | 2015-12-31 | 2014-12-31 | 2013-12-31 | 2012-12-31 | 2011-12-31 | 2010-12-31 | 2009-12-31 | 2008-12-31 | 2007-12-31 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Total Assets | $4.8B | $4.9B | $4.7B | $4.5B | $4.2B | $4.1B | $4.2B | $4.0B | $4.0B | $4.1B | $4.5B | $4.9B | $4.6B | $4.7B | $4.4B | $4.0B | $3.7B | $3.4B | $2.8B | $2.7B |
| Cash & Cash Equivalents | $41M | $105M | $131M | $55M | $47M | $278M | $242M | $126M | $294M | $269M | $695M | $613M | $242M | $479M | $509M | $641M | $66M | $65M | — | — |
| Total Liabilities | $4.3B | $4.4B | $4.3B | $4.2B | $3.9B | $3.7B | $3.7B | $3.5B | $3.6B | $3.7B | $4.1B | $4.5B | $4.2B | $4.3B | $4.1B | $3.6B | $3.4B | $3.1B | $2.5B | $2.4B |
| Total Debt (Short + Long-Term) | $0M | $178M | $96M | $717M | $216M | $11M | $38M | $10M | $0M | $0M | $0M | $0M | $0M | $0M | $0M | $0M | $4M | $4M | $1M | $3M |
| Total Shareholders' Equity | $539M | $420M | $384M | $351M | $329M | $408M | $440M | $473M | $436M | $432M | $435M | $427M | $398M | $375M | $359M | $340M | $326M | $311M | $304M | $292M |
USD; $M / $B as marked. Newest period first. Source: public company filings (via Yahoo Finance aggregation).
Quarterly statements, profitability ratios, price history, insider activity and institutional holders are in the interactive CARE viewer.
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