CARTER BANKSHARES INC (CARE)
Financials · regional banking · NASDAQ
A regional bank holding company providing commercial and consumer banking services through its subsidiary, Carter Bank.
What CARTER BANKSHARES INC does
Carter Bankshares, Inc. is a bank holding company that operates through its wholly-owned subsidiary, Carter Bank. The company provides a full range of commercial and consumer banking products and services, including loan and deposit products, through its branch network.
Themes: regional banking, commercial lending, consumer finance
Fundamentals
- Price$31.25 as of 2026-08-21 close
- Market cap$693M as of 2026-08-21
- 1-year return+67.3% 2025-08-21 close $18.68 → 2026-08-21 close $31.25
- P/E6.70 as of 2026-08-24
- Net margin+26.0% as of 2026-08-24
- ROE+24.8% as of 2026-08-24
- Debt / equity0.00 as of 2026-08-24
- Revenue growth (YoY)+33.0% as of 2026-08-24
- Revenue CAGR (3y)+3.5% SEC XBRL
- Beta0.59 as of 2026-08-24
- Last reported earnings2026-07-23 SEC EDGAR Form 8-K (Item 2.02)
Dividend: at least 1 years of non-decreasing per-share dividends (SEC XBRL) — we do not hold the year before it, so the real streak may be longer.
How CARE compares in its sector
- price-to-earnings ratiobottom 10% 525 covered Financials peers, as of 2026-08-24
- net profit marginmiddle range 538 covered Financials peers, as of 2026-08-24
- operating marginmiddle range 534 covered Financials peers, as of 2026-08-24
- return on equitytop 25% 575 covered Financials peers, as of 2026-08-24
- 3-year revenue CAGRmiddle range 347 covered Financials peers
- free cash flow (absolute dollars, latest fiscal year)middle range 431 covered Financials peers, as of FY2025
Position among covered Financials companies that report each metric (minimum 5 peers). A relative position within our covered catalog — not a valuation, quality, or investment judgment. A higher percentile is simply a higher value (for P/E, more expensive on earnings — never "better"). Informational only.
Dividend coverage
Not assessed — last reported dividend predates the accounts. The most recent fiscal year in which CARE reported a dividend payment is FY2020, while its reported financial statements run through FY2025. Coverage is therefore not assessed for the latest year — an FY2020 ratio would not describe CARE today.
Coverage is derived from reported SEC EDGAR XBRL figures, comparing dividends paid against net income and free cash flow for the SAME fiscal year. It is not shown here because the latest fiscal year with a reported dividend payment (FY2020) is older than the latest year of reported financial statements (FY2025), so any ratio would describe an out-of-date year. Informational only — not financial advice.
How CARTER BANKSHARES INC looks technically
CARTER BANKSHARES INC (CARE) is trading 27.5% above its 200-day average, the long-term trend line — a longer-term uptrend. Its 50-day average crossed above its 200-day average about 264 trading days ago — a "golden cross", a bullish long-term signal. A strong downtrend is in place — ADX, a 0–100 trend-strength gauge, is 29, with sellers in control. Momentum is neutral — its 14-day RSI (a 0–100 momentum gauge) is 40, neither overbought (above 70) nor oversold (below 30). It made a new 20-day low about 3 trading days ago.
Trend
7
| Distance from the 200-day | it is trading 27.5% above its 200-day average, the long-term trend line — a longer-term uptrend | +27.5% |
|---|---|---|
| 50-day moving average | its average price over the last 50 trading days — a short-term trend line — is $32.57 | $32.57 |
| 200-day moving average | its average price over the last 200 trading days — the long-term trend line — is $24.51 | $24.51 |
| Swing structure | its recent peaks and dips disagree — one of them is rising while the other is not, so there is no clean up or down pattern in the swings | mixed — one of the two is not confirming |
| Last swing turn | its last significant turn was a swing low 10 calendar days ago — the swings before that are what the structure reading is measured on | 10 sessions |
| Since the 50/200 cross | its 50-day average crossed above its 200-day average about 264 trading days ago — a "golden cross", a bullish long-term signal | 264 sessions |
| Trend strength (14-day ADX) | a strong downtrend is in place — ADX, a 0–100 trend-strength gauge, is 29, with sellers in control | 29.1 |
Momentum
3
| 14-day RSI | momentum is neutral — its 14-day RSI (a 0–100 momentum gauge) is 40, neither overbought (above 70) nor oversold (below 30) | 40.2 |
|---|---|---|
| Position in its 14-day range | it is trading near the bottom of its 14-day range ($30.41 to $36.06) — its "stochastic" reading is 15 out of 100, where 0 would mean closing exactly at the 14-session low and 100 exactly at the high. This measures WHERE the price sits inside its recent range, which is a different question from the RSI beside it: RSI is a momentum gauge, measuring how FAST the price has been moving, so a stock can drift quietly to the bottom of its range with an ordinary RSI, or fall sharply and still sit in the middle. It has been climbing within that range over the last few sessions. | 14.9 |
| Since the MACD crossed zero | MACD, a trend-momentum gauge, is in negative territory (momentum leaning bearish) | 12 sessions |
Range
12
| 52-week high | its highest closing price over the past year (about 252 trading days) was $36.06 | $36.06 |
|---|---|---|
| From the 52-week high | it is 13.3% below its 52-week high (its highest price of the past year) | -13.3% |
| Above the 52-week low | it is 86.2% above its 52-week low (its lowest price of the past year) | +86.2% |
| Below the 52-week high | it is 13.3% below its highest point of the past year | 13.3% |
| Since a 20-day breakout | it made a new 20-day low about 3 trading days ago | 3 sessions |
| Since a 55-day breakout | it made a new 55-day high about 14 trading days ago | 14 sessions |
| All-time high | its highest closing price on record is $36.06 (set on 2026-08-04) | $36.06 |
| Given back of the 52-week move | over the past year its closes ranged ($16.96 to $35.72), and it has given back roughly a quarter of its rise from last year’s low — 24% of it. Chart-watchers call 61.8%-65% given back the "golden pocket" — for this company that is $23.53 to $24.13. It is watched widely enough that orders cluster there, which is the honest reason it matters; it is not a forecast. | 23.8% |
| From the all-time high | it is 13.3% below its all-time high | -13.3% |
| Nearest price level | it is sitting right on a resistance level at $31.30 — a price it turned at three times since 2026-07-08, most recently on 2026-08-11. Since 2024-08-21 it has 9 such levels below the current price and 1 above. Levels like these describe where the price has reversed or paused before; they are not a forecast of where it will go. | +0.2% |
| All-time low | its lowest closing price on record is $5.05 (set on 2009-03-02) | $5.05 |
| Above the all-time low | it is 518.8% above its all-time low | +518.8% |
Volatility
5
| Band width vs its own 6 months | day-to-day price swings are wider than usual versus its own recent 6-month history (wider than about 75% of it) | 75th percentile |
|---|---|---|
| Typical daily range | in a typical session it travels about $0.9531 between its high and its low — about 3.1% of its price. That is its "average true range" over the last 14 sessions, which also counts the distance from the previous close, so a day that opens well away from yesterday counts as the large move it was | $0.9531 |
| Bollinger bands (20-day, ±2σ) | most of its recent trading has stayed between about $30.16 and $36.16 — the "Bollinger bands", a range drawn two standard deviations either side of its 20-day average price, which widens when the stock gets more volatile and narrows when it settles | $30.16 – $33.16 – $36.16 |
| Typical daily range (% of price) | its price moves about 3.1% in a typical session — about typical for the companies we cover. This is the average gap between a session's high and low over the last 14 sessions, counting overnight moves, expressed against the current price so it can be compared with companies trading at any price | 3.0% |
| Stretch from the 200-day average | it is trading 7.1 daily ranges above its 200-day average price (27.5% above it in plain percentage terms) — a way of asking how far it has stretched from its own average in units of how far it normally moves in a day, so a calm company and a jumpy one can be compared on the same scale | 7.1 daily ranges above its 200-day average |
Volume
1
| Volume vs its 30-day average | trading volume is about normal versus its 30-day average | 1.28× |
|---|
Analyst
2
| Change in the average price target | analysts' average price target is unchanged from the prior reading | 0.0% |
|---|---|---|
| Change in the consensus rating | the analyst consensus rating is unchanged since the prior reading | unchanged |
Price gaps
2
| Gap at the open | it opened on 2026-08-21 0.7% above the previous session's close — an overnight gap, the part of the move that happened while the market was shut, and traded back through that level before the close | +0.7% |
|---|---|---|
| Gap filled | a 2.3% gap down opened on 2026-07-23 has been "filled" 20 sessions ago — price traded back through the level the gap left behind, and it closed again during the very session that opened it | 20 sessions ago |
Price streaks
1
| Closing streak | it has closed higher 2 sessions in a row, a +1.26% move over the run — an unbroken run of up days, which describes what has already happened and says nothing about the next session | 2 sessions up |
|---|
Relative strength
4
| vs market, 1 month | over the past 1 month this stock lagged the market by 8.5 percentage points (the stock lost 6.1% while the market gained 2.3%) | -8.5% |
|---|---|---|
| vs market, 3 months | over the past 3 months this stock beat the market by 12.9 percentage points (the stock gained 16.0% while the market gained 3.1%) | +12.9% |
| vs market, 6 months | over the past 6 months this stock beat the market by 31.6 percentage points (the stock gained 42.7% while the market gained 11.1%) | +31.6% |
| vs market, 12 months | over the past 12 months this stock beat the market by 46.8 percentage points (the stock gained 67.3% while the market gained 20.5%) | +46.8% |
Signal agreement
2
| Bullish technical signals | 4 of the 9 technical signals we can compute for it are currently in a bullish state: a "golden cross" — its 50-day average is above its 200-day, trading above its 200-day average, outperforming the market over 6 months, near the bottom of its 14-day range (oversold) — these describe past price behaviour, not a forecast | 4 of 9 |
|---|---|---|
| Bearish technical signals | 3 of the 9 technical signals we can compute for it are currently in a bearish state: a strong downtrend, with sellers in control, a fresh 20-day low, MACD momentum is negative — these describe past price behaviour, not a forecast | 3 of 9 |
Trend (Ichimoku cloud)
1
| Vs the Ichimoku cloud | trading inside the Ichimoku cloud — a band drawn from where its own highs and lows sat up to 2026-07-15 and projected forward over today's price, the zone traders read as unresolved — neither side has established a trend, and the band is where that gets settled. The band itself is moderate, spanning 7.9% of the share price. | 0.0% |
|---|
Volume-weighted price
2
| Vs this year’s average price paid | the price is 12% above the average price paid so far this year, so the typical buyer over that stretch is showing a gain. That average is $27.80 — a volume-weighted average of daily closes over 159 sessions, not a true tick-by-tick VWAP. | +12.4% |
|---|---|---|
| Vs the average paid since it last reported | the price is 6% below the average price paid since it last reported on 2026-07-23 (its 8-K), so the typical buyer over that stretch is under water. That average is $33.28 — a volume-weighted average of daily closes over 21 sessions, not a true tick-by-tick VWAP. | -6.1% |
Price levels it has turned at before
CARE last closed at $31.25 on 2026-08-21. Since 2024-08-21 it has turned at 9 prices below its last close and 1 above; the 3 nearest below and the nearest above are listed, nearest first.
| Level | Side | Distance | Evidence |
|---|---|---|---|
| $31.30 | Resistance | 0.2% above the last close | turned there three times · 2026-07-08 to 2026-08-11 |
| $22.46 | Support | 28.1% below the last close | turned there twice · 2026-02-03 to 2026-02-18 |
| $21.30 | Support | 31.8% below the last close | turned there twice · 2026-01-22 to 2026-03-16 |
| $20.44 | Support | 34.6% below the last close | turned there four times · 2024-11-12 to 2025-12-18 |
A level is a price this company reversed or paused at more than once — they describe past behaviour, not a forecast of where the price will go.
Wave structure
No Elliott-wave labelling currently fits its swings: the recent highs and lows do not satisfy the three rules a five-wave count has to obey, so there is no count to show rather than a count we are unsure about.
Read from daily closes as of 2026-08-21.
An Elliott-wave count describes the swings already printed and the level that would disprove it. It is not a forecast, a target, or advice.
Screens: Trading above the 200-day moving average · Broke down to a new 20-day low · beating the market · Stretched far above its 200-day average (6+ daily ranges) · At the bottom of its 14-day range (stochastic below 20) · Under water since its last earnings report (below the anchored VWAP) | Learn: moving average · golden cross · adx · rsi · breakout
Based on daily closing prices as of 2026-08-21. Describes past price behavior only — informational, not financial advice.
Analyst consensus
- Consensus ratingBuy (2.50 mean, 1=Strong Buy…5=Strong Sell) — 3 analysts
- Mean price target$34.50 range $34.00 – $35.00
Analyst estimates, as of 2026-08-18. These are third-party analyst opinions and price targets, aggregated — not a recommendation, prediction, or advice from stocks-llm. Informational only.
Analyst EPS estimate for CARE
- Consensus EPS estimate$0.5225 next reporting period, as of 2026-08-18
Change over time is not available yet: it needs two readings of the same reporting period at least 30 days apart, and we have been recording these estimates since 2026-08-04. An estimate for a DIFFERENT quarter is not a revision, so a reading from before the last report is never compared with one after it.
The consensus estimate for the next reporting period, and how it has moved between readings of that SAME period. A change is measured only between readings estimating one period — when a company reports, the consensus moves to the next quarter and the two numbers are not comparable. Informational only, not a forecast and not advice.
Key risks (from latest filing)
["Sensitivity to regulatory changes and compliance obligations under the BHCA and FRB supervision.","Risks associated with interest rate fluctuations and liquidity management.","Potential for changes in credit quality and loan performance."]
What changed in the latest 10-Q
AI-assisted comparison of CARE's 10-Q filed 2026-05-07 against the prior one filed 2025-11-03.
Management's Discussion & Analysis (MD&A)
- Added:
- Statement that the 2025 Program was fully utilized on October 30, 2025 (newer filing, filed 2026-05-07)
- Reference to Company's 2025 Annual Report on Form 10-K for year ended December 31, 2025 in Contractual Obligations and Off-Balance Sheet Arrangements sections (newer filing, filed 2026-05-07)
- Statement that FOMC reduced Fed Funds Target Rate by 25 bps in September 2025, October 2025, and December 2025 meetings (newer filing, filed 2026-05-07)
- Statement that + 300 and + 400 basis point rate shock analyses have been temporarily suspended (newer filing, filed 2026-05-07)
- Explanation that suspended rate shock analyses do not provide meaningful insight due to rate reduction forecasts (newer filing, filed 2026-05-07)
- Earnings simulation table with March 31, 2026 and December 31, 2025 data showing percentage changes in pretax net interest income at various interest rate shocks (newer filing, filed 2026-05-07)
- Detailed explanation of asset sensitive position at March 31, 2026 citing four specific factors including unfunded loan commitments, time deposit portfolio maturity changes, non-maturing deposit betas, and balance sheet composition shift (newer filing, filed 2026-05-07)
- Removed:
- Capital ratios data for September 30, 2025 and December 31, 2024 (older filing, filed 2025-11-03)
- Details of stock repurchase activity during three and nine months ended September 30, 2025, including share counts and costs (older filing, filed 2025-11-03)
- Reference to Company's 2024 Annual Report on Form 10-K in Contractual Obligations and Off-Balance Sheet Arrangements sections (older filing, filed 2025-11-03)
- Reference to receipt of non-objection from Federal Reserve Bank of Richmond regarding 2025 Program (older filing, filed 2025-11-03)
- Reworded:
- Changed 'the reviewing' to 'for reviewing' in description of ALCO's responsibility (older to newer, filed 2026-05-07)
- Changed reference date from September 30, 2025 to March 31, 2026 in Contractual Obligations statement (older to newer, filed 2026-05-07)
- Changed reference date from September 30, 2025 to March 31, 2026 in Off-Balance Sheet Arrangements statement (older to newer, filed 2026-05-07)
- Changed reference from 2024 Annual Report to 2025 Annual Report in both Contractual Obligations and Off-Balance Sheet Arrangements sections (older to newer, filed 2026-05-07)
- Notes:
- The older filing section appears truncated at 'These assumption' and does not show complete text; comparison of later paragraphs in Earnings Simulation Modeling section may be incomplete
- The two filings cover different quarter-ends (March 31, 2026 vs. September 30, 2025) which explains many substantive content changes
Risk Factors
The two filings could not be meaningfully compared for this section.
AI-assisted comparison of two SEC filing sections. It describes wording and theme changes only, makes no materiality, legal, or investment judgement, and is not financial advice. Informational only — not financial advice.
Insider activity (SEC Form 4)
0 open-market purchases and 2 open-market sales by insiders in the last 90 days.
- Last 30 days0 buys · 2 sells ($138240) — 2 selling insiders
- Last 90 days0 buys · 2 sells ($138240) — 2 selling insiders
- Last 180 days1 buy ($119865) · 4 sells ($309838) — 1 buying, 3 selling insiders
Activity heuristic: net selling (a transparent product heuristic from the counts above, not a prediction or advice)
Most recent open-market transaction: 2026-07-30. As of 2026-08-24.
View full insider trading history → View SEC Form 3/4/5 filingsAsk about CARE's insider activity →
Only open-market purchases (SEC code P) and sales (code S) are counted here. Option exercises, vesting/awards, gifts, and shares withheld for taxes are excluded — they are compensation or mechanical, not open-market conviction. Sales may be planned and non-discretionary (e.g. a Rule 10b5-1 plan) and are not necessarily bearish; open-market buying is not a recommendation to buy. Informational only — not financial advice.
Institutional ownership (13F)
5 institutional 13F filers reported holding CARE as of 2026-03-31 (quarter-end position, filed within 45 days).
- Distinct 13F filers 5
- Reported shares held 2,320,946
- Reported value $54,124,451
reported quarterly holdings change (2025-12-31 → 2026-03-31): 0 new, 2 increased, 3 decreased, 0 exited. Change counts cover only managers that filed 13F reports in BOTH quarters, derived between two quarter-end snapshots — not same-day trades; a single manager is never said to have "bought" or "sold".
Institutional holdings are quarter-end long positions reported on SEC Form 13F-HR, filed up to 45 days after the quarter ends — they are delayed, are not real-time trades, exclude short positions and most non-US securities, and are not investment advice. Any increase/decrease is a reported change between two quarterly snapshots, not a same-day purchase or sale. These are quarter-end snapshots from the 13F filings on SEC EDGAR, filed within 45 days — not real-time, and any change is a difference between two quarterly reports, not a same-day trade. Informational only — not financial advice.
Short interest (FINRA)
CARE had 1,973,219 shares of reported short interest as of the 2026-07-31 FINRA settlement date (delayed, bi-monthly; not real-time).
CARE had 8.90% of its shares outstanding sold short as of the 2026-07-31 FINRA settlement date (percent of FLOAT would be higher — float is not disclosed in the source). FINRA reported 4.75 days to cover at the same settlement.
- Reported short interest (shares) 1,973,219
- Short interest (% of shares outstanding) 8.90%
- Prior settlement (shares) 1,863,874
- Reported change 5.87%
- Days to cover (reported) 4.75
Reported to FINRA as of the 2026-07-31 settlement date. Short interest is reported to FINRA and published on a delayed, bi-monthly schedule (as of a settlement date, disseminated roughly eight business days later) — it is NOT real-time, does not cover every venue or all US trading, and is not a short-squeeze prediction or investment advice. Days-to-cover is the value FINRA reports; percent of float is not shown because the source file carries no share-count denominator — where a percent appears it is of shares OUTSTANDING, the larger base, and is therefore a floor on percent of float. Informational only — not financial advice.
Competitors & peers
- Truist Financial (TFC)
- TowneBank (TOWN)
- United Bankshares (UBSI)
- C&F Financial (CFFI)
- Atlantic Union Bankshares (AUB)
AI-enriched competitor set. Linked names are companies covered by stocks-llm; other named peers are shown for reference only.
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Frequently asked questions
What does CARTER BANKSHARES INC (CARE) do?
Carter Bankshares, Inc. is a bank holding company that operates through its wholly-owned subsidiary, Carter Bank. The company provides a full range of commercial and consumer banking products and services, including loan and deposit products, through its branch network.
What sector is CARTER BANKSHARES INC (CARE) in?
CARTER BANKSHARES INC (CARE) is classified in the Financials sector. Its industry is regional banking. It trades on NASDAQ.
Who are CARTER BANKSHARES INC's (CARE) competitors?
Notable peers of CARTER BANKSHARES INC (CARE) include Truist Financial, TowneBank, United Bankshares, C&F Financial and Atlantic Union Bankshares. This peer set is informational only — not financial advice.
Is CARTER BANKSHARES INC (CARE) overbought or oversold right now?
CARTER BANKSHARES INC (CARE) is currently neither overbought nor oversold — its 14-day RSI (a 0–100 momentum gauge) is 40, in the neutral middle (as of 2026-08-21). RSI describes recent price momentum, not a forecast — informational only, not financial advice.
Where does stocks-llm's data on CARE come from?
Fundamentals and prices come from market data, as of 2026-08-24; company filings and profile facts come from SEC EDGAR. All figures are delayed daily-close data shown with their as-of date — informational only, not financial advice.
Fundamentals: market data, as of 2026-08-24. Filings: SEC EDGAR. Prices are delayed daily-close data.
Last updated 2026-08-21.
Informational only — NOT financial advice. All figures are delayed daily-close data from SEC EDGAR & market data, shown with their as-of date.