CARTER BANKSHARES INC (CARE)
Financials · Regional Banks · NASDAQ
Carter Bankshares is a community-focused regional banking institution based in Virginia that provides essential commercial and retail financial services.
What CARTER BANKSHARES INC does
Carter Bankshares, Inc. is a financial holding company that operates Carter Bank, a community-focused bank providing a range of banking services, including lending, investment, and deposit-taking. The company offers traditional commercial and consumer banking products to individuals and businesses primarily in Virginia and North Carolina.
Recent developments
In the second quarter of 2026, the company completed the sale of Bearing Insurance Group and executed a strategic portfolio repositioning by selling lower-yielding securities to reinvest in higher-yielding AAA/AA-rated assets. Additionally, the company completed a major sale of nonperforming loans in the first quarter of 2026 to optimize its balance sheet.
From CARTER BANKSHARES INC's filing of 2026-08-06.
Themes: community banking, commercial real estate lending, interest rate risk management, balance sheet optimization
Fundamentals
- Price$30.47 as of 2026-10-08 close
- Market cap$675M as of 2026-08-03 (share count; price 2026-10-08)
- 1-year return+56.9% 2025-10-08 close $19.42 → 2026-10-08 close $30.47
- P/E6.18 as of 2026-10-08
- Net margin+154.4% FY2025, SEC XBRL
- ROE+7.5% FY2025, SEC XBRL
- Debt / equity0.00 as of 2026-09-03
- Revenue growth (YoY)+33.0% as of 2026-09-03
- Revenue CAGR (3y)+3.5% SEC XBRL
- Beta0.70 as of 2026-09-03
- Last reported earnings2026-07-23 SEC EDGAR Form 8-K (Item 2.02)
Dividend: yield +1.3%; 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% 513 covered Financials peers, as of 2026-10-08
- net profit margintop 25% 344 covered Financials peers, as of 2026-09-03
- return on equitymiddle range 559 covered Financials peers, as of 2026-09-03
- 3-year revenue CAGRmiddle range 347 covered Financials peers
- indicated dividend yieldbottom 25% 468 covered Financials peers, as of 2026-09-03
- free cash flow (absolute dollars, latest fiscal year)middle range 430 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 14.6% 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 297 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 36, with sellers in control. Momentum is neutral — its 14-day RSI (a 0–100 momentum gauge) is 47, neither overbought (above 70) nor oversold (below 30). MACD, a trend-momentum gauge, turned bullish about 5 trading days ago (its momentum flipped positive). It made a new 20-day low about 9 trading days ago. It is 15.5% below its highest point of the past year. Day-to-day price swings are unusually narrow versus its own recent history — a "Bollinger squeeze" (in the tightest 4% of the past ~6 months), which often precedes a bigger move.
Trend
8
| Distance from the 200-day | it is trading 14.6% above its 200-day average, the long-term trend line — a longer-term uptrend | +14.6% |
|---|---|---|
| 50-day moving average | its average price over the last 50 trading days — a short-term trend line — is $31.57 | $31.57 |
| 200-day moving average | its average price over the last 200 trading days — the long-term trend line — is $26.58 | $26.58 |
| Swing structure | each recent peak has been lower than the one before it and each dip deeper — the pattern chart-watchers call a downtrend, which describes where price has already been and not where it goes next | lower highs and lower lows |
| Last swing turn | its last significant turn was a swing low 7 calendar days ago — the swings before that are what the structure reading is measured on | 7 sessions |
| Wave structure | its recent swings can be read as a completed three-part downward correction — a pullback in the A-B-C shape Elliott-wave chartists use; the labelling fails if price closes below 29.36. It is the only labelling that fits, though not with textbook proportions, and it describes the swings already printed, not what comes next. | possible three-wave downward correction, complete (atypical proportions) |
| Since the 50/200 cross | its 50-day average crossed above its 200-day average about 297 trading days ago — a "golden cross", a bullish long-term signal | 297 sessions |
| Trend strength (14-day ADX) | a strong downtrend is in place — ADX, a 0–100 trend-strength gauge, is 36, with sellers in control | 35.7 |
Momentum
3
| 14-day RSI | momentum is neutral — its 14-day RSI (a 0–100 momentum gauge) is 47, neither overbought (above 70) nor oversold (below 30) | 46.9 |
|---|---|---|
| Position in its 14-day range | it is trading in the upper half of its 14-day range ($29.36 to $30.99) — its "stochastic" reading is 68 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. | 68.1 |
| Since the MACD crossed zero | MACD, a trend-momentum gauge, turned bullish about 5 trading days ago (its momentum flipped positive) | 5 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 15.5% below its 52-week high (its highest price of the past year) | -15.5% |
| Above the 52-week low | it is 81.6% above its 52-week low (its lowest price of the past year) | +81.6% |
| Below the 52-week high | it is 15.5% below its highest point of the past year | 15.5% |
| Since a 20-day breakout | it made a new 20-day low about 9 trading days ago | 9 sessions |
| Since a 55-day breakout | it made a new 55-day low about 9 trading days ago | 9 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 — 28% 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. | 28.0% |
| From the all-time high | it is 15.5% below its all-time high | -15.5% |
| Nearest price level | it is trading 2.7% below a resistance level at $31.30 — a price it turned at three times since 2026-07-08, most recently on 2026-08-11. Since 2024-10-08 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. | +2.7% |
| 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 503.4% above its all-time low | +503.4% |
Volatility
5
| Band width vs its own 6 months | day-to-day price swings are unusually narrow versus its own recent history — a "Bollinger squeeze" (in the tightest 4% of the past ~6 months), which often precedes a bigger move | 4th percentile |
|---|---|---|
| Typical daily range | in a typical session it travels about $0.6985 between its high and its low — about 2.3% 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 | $0.6985 |
| Bollinger bands (20-day, ±2σ) | most of its recent trading has stayed between about $29.62 and $31.30 — 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 | $29.62 – $30.46 – $31.30 |
| Typical daily range (% of price) | its price moves about 2.3% in a typical session — calmer than most 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 | 2.3% |
| Stretch from the 200-day average | it is trading 5.6 daily ranges above its 200-day average price (14.6% 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 | 5.6 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 | 0.78× |
|---|
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 | not available for this company yet | n/a |
Candlestick patterns
3
| Since a doji | 1 session ago it opened and closed at almost the same price after trading through a wider range — a "doji", the classic picture of buyers and sellers finishing the session level | 1 session ago |
|---|---|---|
| Since a bullish engulfing | 5 sessions ago it opened below the previous session's close and finished above that session's open — a "bullish engulfing" pair, where one up day more than undid the down day before it | 5 sessions ago |
| Since a bearish engulfing | 8 sessions ago it opened above the previous session's close and finished below that session's open — a "bearish engulfing" pair, where one down day more than undid the up day before it | 8 sessions ago |
Price gaps
2
| Gap at the open | it opened on 2026-10-08 0.2% 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 | +0.1% |
|---|---|---|
| Gap filled | a 2.3% gap down opened on 2026-07-23 has been "filled" 53 sessions ago — price traded back through the level the gap left behind, and it closed again during the very session that opened it | 53 sessions ago |
Price streaks
1
| Closing streak | it closed higher in its latest session, after a session that did not close higher — a single up day rather than a run | 1 session up |
|---|
Relative strength
4
| vs market, 1 month | over the past 1 month this stock lagged the market by 3.9 percentage points (the stock lost 2.8% while the market gained 1.0%) | -3.9% |
|---|---|---|
| vs market, 3 months | over the past 3 months this stock lagged the market by 7.3 percentage points (the stock lost 3.5% while the market gained 3.8%) | -7.3% |
| vs market, 6 months | over the past 6 months this stock beat the market by 11.9 percentage points (the stock gained 29.3% while the market gained 17.5%) | +11.9% |
| vs market, 12 months | over the past 12 months this stock beat the market by 41.9 percentage points (the stock gained 56.9% while the market gained 15.0%) | +41.9% |
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, MACD momentum is positive, outperforming the market over 6 months — these describe past price behaviour, not a forecast | 4 of 9 |
|---|---|---|
| Bearish technical signals | 2 of the 9 technical signals we can compute for it are currently in a bearish state: a strong downtrend, with sellers in control, trading below the Ichimoku cloud — these describe past price behaviour, not a forecast | 2 of 9 |
Trend (Ichimoku cloud)
1
| Vs the Ichimoku cloud | trading 5.6% below the Ichimoku cloud — a band drawn from where its own highs and lows sat up to 2026-09-01 and projected forward over today's price, the side traders read as an established downtrend, with the band above acting as the level that would have to be cleared. The band itself is moderate, spanning 2.1% of the share price. | -5.6% |
|---|
Volume-weighted price
2
| Vs this year’s average price paid | the price is 8% above the average price paid so far this year, so the typical buyer over that stretch is showing a gain. That average is $28.24 — a volume-weighted average of daily closes over 192 sessions, not a true tick-by-tick VWAP. | +7.9% |
|---|---|---|
| Vs the average paid since it last reported | the price is 5% 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 $32.11 — a volume-weighted average of daily closes over 54 sessions, not a true tick-by-tick VWAP. | -5.1% |
Price levels it has turned at before
CARE last closed at $30.47 on 2026-10-08. Since 2024-10-08 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 | 2.7% above the last close | turned there three times · 2026-07-08 to 2026-08-11 |
| $22.46 | Support | 26.3% below the last close | turned there twice · 2026-02-03 to 2026-02-18 |
| $21.30 | Support | 30.1% below the last close | turned there twice · 2026-01-22 to 2026-03-16 |
| $20.44 | Support | 32.9% 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
Its recent swings can be read as a three-part downward correction — the A-B-C shape chartists use for a pullback — now complete.
This labelling fails — stops being a possible reading at all — if it closes below $29.36.
It is the only labelling that fits these swings, though its proportions are not the textbook ones.
This reading has stood for 1 trading day, since 2026-10-08.
Read from daily closes as of 2026-10-08.
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 · MACD just crossed bullish (12/26/9) · in a Bollinger Band volatility squeeze · beating the market · Under water since its last earnings report (below the anchored VWAP) · Trading below the Ichimoku cloud | Learn: moving average · golden cross · adx · rsi · macd · breakout · fifty two week high low · bollinger bands
Based on daily closing prices as of 2026-10-08. Describes past price behavior only — informational, not financial advice.
Analyst consensus
- Mean price target$35.08 range $34.50 – $35.75; median $35.00
Analyst estimates, as of 2026-10-07. 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$0.53 next reporting period, as of 2026-10-07
- Estimate change, 30 days$0.00 (0.0%) from $0.53, on 2026-09-02, 35-day window
- Readings revised upward13% of 8 comparable readings
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 interest rate fluctuations and yield curve changes affecting net interest income.","Regulatory compliance obligations under the Bank Holding Company Act and oversight by the FRB and Virginia state regulators.","Credit risk related to commercial real estate and nonperforming loan management."]
What changed in the latest 10-Q
AI-assisted comparison of CARE's 10-Q filed 2026-08-06 against the prior one filed 2026-05-07.
Management's Discussion & Analysis (MD&A)
- Added:
- Newer filing adds: 'and applicable legal and regulatory requirements. The repurchase program may be modified or terminated by the Board at any time. The repurchase program does not obligate the Company to purchase any particular number of shares.' (filed 2026-08-06)
- Newer filing adds: 'During both the three and six months ended June 30, 2026, the Company repurchased 108,601 shares of its common stock at a total cost of $2.9 million and a weighted average cost per share of $26.50.' (filed 2026-08-06)
- Newer filing adds: 'On May 20, 2025, the Company announced that its Board authorized a repurchase program to purchase up to $20.0 million of the Company's common stock in the aggregate through May 14, 2026.' (filed 2026-08-06)
- Newer filing adds Contractual Obligations exception: 'except that the Company repaid its outstanding FHLB advances during the six months ended June 30, 2026, reducing its contractual debt obligations.' (filed 2026-08-06)
- Newer filing adds interest rate scenarios of +300 and +400 basis points to the earnings simulation table, with +400 showing 4.1% and +300 showing 3.6% at June 30, 2026. (filed 2026-08-06)
- Newer filing adds a -400 basis point row showing 0.0% change at June 30, 2026. (filed 2026-08-06)
- Newer filing adds explanation that June 30, 2026 earnings simulation indicates the Company 'remains modestly asset sensitive,' with projected net interest income increasing under rising rate scenarios and also improving modestly under moderate declining rate scenarios. (filed 2026-08-06)
- Newer filing adds as interest rate risk profile factor: 'changes in the balance sheet following the Company's recent strategic transactions, including the repayment of all outstanding FHLB borrowings and the investment of remaining excess liquidity in reserve balances at the Federal Reserve, which earn the Interest Rate on Reserve Balances (IORB) rate of 3.65%.' (filed 2026-08-06)
- Newer filing adds a new subsection titled 'Economic Value of Equity Modeling' describing economic value of equity simulation using discounted cash flow analysis. (filed 2026-08-06)
- Removed:
- Older filing contains language stating the Company 'temporarily suspended the + 300 and + 400 basis point rate shock analyses' due to recent FOMC rate cuts and a forecast implying continued reductions during 2026; this suspension language is absent from the newer filing. (filed 2026-05-07)
- Older filing contains policy guideline language limiting change in net interest income over a 12-month and 24-month horizon using rate shocks including +300 and +400 basis points; this language is absent from the newer filing. (filed 2026-05-07)
- Reworded:
- Market Risk definition changed from 'Market risk is defined as the degree to which changes...' (older, filed 2026-05-07) to 'Market risk is the risk that changes in market factors...could adversely affect the Company's earnings or capital.' with 'For the Company' replacing 'For financial institutions' (newer, filed 2026-08-06)
- Interest rate risk description changed: 'timing differences' (older) to 'differences in the timing' (newer); 'changes in the expected maturities' (older) to 'changes in the expected cash flows or maturities' (newer); 'prepay home mortgage loans at any time' (older) to 'prepay loans' (newer); 'redeem certificates of deposit' (older) to 'withdraw certificates of deposit' (newer); 'spread relationships between different yield curves, such as U.S. Treasuries and SOFR' (older) to 'relationships between different market interest rate indices, such as U.S. Treasuries and other benchmark rates' (newer). (filed 2026-08-06 vs filed 2026-05-07)
- Interest rate effects paragraph changed: 'Interest rate fluctuations affect earnings by changing...' (older) to 'Changes in interest rates affect earnings primarily through...' (newer); 'changing the net present value of a financial institution's future cash flows, and the cash flows themselves' (older) to 'altering the present value of expected future cash flows' (newer); 'Accepting this risk is a normal part of banking and can be an important source of profitability and enhancement of shareholder value. However, excessive interest rate risk can threaten...' (older) to 'While assuming interest rate risk is an inherent part of banking and an important source of profitability and shareholder value, excessive exposure can adversely affect...' (newer). (filed 2026-08-06 vs filed 2026-05-07)
- ALCO responsibility description changed: 'responsible for reviewing the interest rate sensitivity position...employing strategies to ensure our asset-liability structure produces the maximum yield-cost spread' (older) to 'responsible for monitoring the Company's interest rate risk position...implementing strategies designed to optimize the balance between asset yields and funding costs' (newer). (filed 2026-08-06 vs filed 2026-05-07)
- Earnings Simulation Modeling paragraph was substantially rewritten: 'asset liability model (“ALM”) to forecast earning simulations' (older) to 'asset/liability management (“ALM”) model to estimate the sensitivity' (newer); 'A sensitivity analysis...is performed at least annually' (older) to 'performs periodic sensitivity analyses' (newer); 'ALCO reviews the assumptions of the ALM at least quarterly and periodically adjusts the ALM assumptions when deemed appropriate' (older) to 'ALCO reviews model assumptions at least quarterly' (newer). (filed 2026-08-06 vs filed 2026-05-07)
- Interest rate scenario description changed: 'uses different interest rate scenarios and shifts in yield curve shapes to measure the sensitivity' (older) to 'evaluates the Company's exposure to interest rate risk using multiple interest rate scenarios, including instantaneous parallel rate shocks...as well as selected non-parallel yield curve scenarios' (newer). (filed 2026-08-06 vs filed 2026-05-07)
- Table presentation changed: older table used a 'forecasted static balance sheet' and had rows at 200, 100, -100, -200, -300, -400 with accompanying narrative; newer table uses instantaneous parallel rate shocks with rows at 400, 300, 200, 100, -100, -200, -300, -400 and different narrative. (filed 2026-08-06 vs filed 2026-05-07)
- March 31, 2026 narrative about asset sensitive position factors was replaced by a restructured June 30, 2026 bullet-point factor list; factor 1 changed from 'higher than market rate unfunded loan commitments that were originated during 2024 and early 2025 with fixed rates that are assumed to draw down, or convert to funded loan balances, during the next twelve months' (older) to 'higher than market rate unfunded loan commitments originated during 2024 and early 2025 that are expected to fund over the next twelve months' (newer); factor 3 changed from 'more aggressive non maturing deposit betas utilized in a rates down environment versus a rates up environment based on bank specific non-maturing deposit rate beta assumptions observed during the most recent rate cycle' (older) to 'deposit pricing assumptions that incorporate more responsive non-maturity deposit betas in declining rate environments based on observed customer behavior during the most recent interest rate cycle' (newer). (filed 2026-08-06 vs filed 2026-05-07)
- Date references updated: Contractual Obligations as of date changed from 'March 31, 2026' (older) to 'June 30, 2026' (newer); Off-Balance Sheet Arrangements as of date changed from 'March 31, 2026' (older) to 'June 30, 2026' (newer). (filed 2026-08-06 vs filed 2026-05-07)
- Notes:
- The newer filing text is truncated at the end of the 'Economic Value of Equity Modeling' section; the older filing text is also truncated at the end of the March 31, 2026 narrative. Comparisons beyond the provided excerpts cannot be assessed.
- The older filing excerpt begins mid-sentence in the share repurchase discussion and does not include the preceding paragraph, so some repurchase-related language changes may not be fully visible.
Risk Factors
- Added:
- Newer filing (2026-08-06) states that during both the three and six months ended June 30, 2026, the Company repurchased 108,601 shares of its common stock at a total cost of $2.9 million and a weighted average cost per share of $26.50.
- Newer filing (2026-08-06) includes a stock repurchase table for the quarter ended June 30, 2026 with monthly data for April, May, and June 2026.
- Removed:
- Older filing (2026-05-07) stated that the Company did not repurchase any shares under the 2026 repurchase plan during the three months ended March 31, 2026.
- Older filing (2026-05-07) included a stock repurchase table for the quarter ended March 31, 2026 with monthly data for January, February, and March 2026.
- Reworded:
- Newer filing (2026-08-06) refers to the quarter ended June 30, 2026 in the stock repurchase table and other information section; older filing (2026-05-07) refers to the quarter ended March 31, 2026.
- Newer filing (2026-08-06) lists Second Amended and Restated Employment Agreements and Change of Control Severance Agreements as exhibits 10.1 through 10.7; older filing (2026-05-07) lists forms of Time-Based Restricted Stock Agreements and Performance Unit Agreements as exhibits 10.1 through 10.4.
- Notes:
- The specified 'Risk Factors' section contains only the statement that there have been no material changes in risk factors from the Annual Report; the substantive changes observed are in adjacent sections (Item 2 and Item 6) included in the provided source texts.
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 4 open-market sales by insiders in the last 90 days, of which we have read Form 4 filings through 2026-10-04. The 5 days since 2026-10-04 have not been checked yet.
- Last 30 days · read to 2026-10-040 buys · 2 sells ($62500) — 1 selling insider
- Last 90 days · read to 2026-10-040 buys · 4 sells ($200740) — 3 selling insiders
- Last 180 days · read to 2026-10-041 buy ($119865) · 6 sells ($372338) — 1 buying, 4 selling insiders
Activity heuristic: net selling (a transparent product heuristic from the counts above, not a prediction or advice)
Most recent open-market transaction: 2026-09-11. Based on Form 4 filings read through 2026-10-04; anything filed since is not yet included.
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)
4 institutional 13F filers reported holding CARE as of 2026-06-30 (quarter-end position, filed within 45 days).
- Distinct 13F filers 4
- Reported shares held 2,912,371
- Reported value $99,049,739
reported quarterly holdings change (2026-03-31 → 2026-06-30): 0 new, 3 increased, 1 decreased, 1 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.
Ask about CARE's institutional holders → See what each manager we track holds →
Short interest (FINRA)
CARE had 2,246,037 shares of reported short interest as of the 2026-09-15 FINRA settlement date (delayed, bi-monthly; not real-time).
CARE had 10.1% of its shares outstanding sold short as of the 2026-09-15 FINRA settlement date (percent of FLOAT would be higher — float is not disclosed in the source). FINRA reported 10.39 days to cover at the same settlement.
- Reported short interest (shares) 2,246,037
- Short interest (% of shares outstanding) 10.1%
- Prior settlement (shares) 2,102,923
- Reported change 6.81%
- Days to cover (reported) 10.39
Reported to FINRA as of the 2026-09-15 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
- TowneBank (TOWN)
- Atlantic Union Bankshares (AUB)
- United Bankshares (UBSI)
- F.N.B. Corporation (FNB)
- Pinnacle Financial Partners (PNFP)
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 financial holding company that operates Carter Bank, a community-focused bank providing a range of banking services, including lending, investment, and deposit-taking. The company offers traditional commercial and consumer banking products to individuals and businesses primarily in Virginia and North Carolina.
What sector is CARTER BANKSHARES INC (CARE) in?
CARTER BANKSHARES INC (CARE) is classified in the Financials sector. Its industry is Regional Banks. It trades on NASDAQ.
Does CARE pay a dividend?
Yes — CARTER BANKSHARES INC (CARE) pays a dividend, with an indicated yield of about 1.30% and at least 1 years of non-decreasing per-share dividends (SEC EDGAR XBRL) — we do not hold the year before it, so the real streak may be longer (market data, as of 2026-09-03). Informational only — not financial advice.
Who are CARTER BANKSHARES INC's (CARE) competitors?
Notable peers of CARTER BANKSHARES INC (CARE) include TowneBank, Atlantic Union Bankshares, United Bankshares, F.N.B. Corporation and Pinnacle Financial Partners. 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 47, in the neutral middle (as of 2026-10-08). RSI describes recent price momentum, not a forecast — informational only, not financial advice.
Where does stocks-llm's data on CARE come from?
Fundamentals come from SEC XBRL company filings for the figures marked with a fiscal year, and market data, as of 2026-09-03 for the rest; prices are market data, as of 2026-09-03; 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: SEC XBRL company filings for the figures marked with a fiscal year, and market data, as of 2026-09-03 for the rest. Filings: SEC EDGAR. Prices are delayed daily-close data.
Last updated 2026-10-08.
Informational only — NOT financial advice. All figures are delayed daily-close data from SEC EDGAR & market data, shown with their as-of date.