Growth & profitability
- Revenue has grown 2.5% per year over the past 5 years.
CARE Financials Carter Bankshares, Inc.
7 years of revenue, profit, cash flow and balance-sheet history through FY2025, from SEC filings — with a computed, factual read of the trend. Updated Overview →
RevenueNet income
GrossOperatingNet
ROEROA
Free cash flow
CashTotal debt
OperatingInvestingFinancing
Key annual figures
| FY | Revenue | Net income | Gross M | Op M | ROE | ROA | FCF | Total debt | Cash |
|---|---|---|---|---|---|---|---|---|---|
| 2025 | $20M | $31M | 0.0% | 0.0% | 7.5% | 0.6% | $32M | — | $105M |
| 2024 | $19M | $25M | 0.0% | 0.0% | 6.4% | 0.5% | $29M | — | — |
| 2023 | $17M | $23M | 0.0% | 0.0% | 6.7% | 0.5% | $37M | — | — |
| 2022 | $18M | $50M | 0.0% | 0.0% | 15.3% | 1.2% | $65M | — | — |
| 2021 | $17M | $32M | 0.0% | 0.0% | 7.8% | 0.8% | $69M | — | $278M |
| 2020 | $18M | -$46M | 0.0% | 0.0% | -10.4% | -1.1% | -$2M | — | $242M |
| 2019 | $13M | $27M | 0.0% | 0.0% | 5.6% | — | $30M | — | — |
Net income
ROEROA
Equity
Free cash flow
CashTotal debt
OperatingInvestingFinancing
Key quarterly figures
| Quarter | Revenue | Net income | Gross M | Op M | ROE | ROA | FCF | Total debt | Cash |
|---|---|---|---|---|---|---|---|---|---|
| Jun '26 | — | $29M | — | — | 5.4% | 0.6% | -$263M | — | $277M |
| Mar '26 | — | $86M | — | — | 17.0% | 1.8% | $302M | — | — |
| Dec '25 | — | $8M | — | — | 2.0% | 0.2% | $9M | — | $105M |
| Sep '25 | — | $5M | — | — | 1.3% | 0.1% | $10M | — | — |
| Jun '25 | — | $9M | — | — | 2.1% | 0.2% | $8M | — | — |
| Mar '25 | — | $9M | — | — | 2.2% | 0.2% | $5M | — | — |
| Dec '24 | — | $8M | — | — | 2.2% | 0.2% | $8M | — | — |
| Sep '24 | — | $6M | — | — | 1.5% | 0.1% | $8M | — | — |
| Jun '24 | — | $5M | — | — | 1.3% | 0.1% | -$4M | — | — |
| Mar '24 | — | $6M | — | — | 1.6% | 0.1% | $16M | — | — |
| Dec '23 | — | -$2M | — | — | -0.5% | -0.0% | $6M | — | — |
| Sep '23 | — | $4M | — | — | 1.1% | 0.1% | $7M | — | — |
| Jun '23 | — | $6M | — | — | 1.7% | 0.1% | $3M | — | — |
| Mar '23 | — | $16M | — | — | 4.5% | 0.4% | $21M | — | — |
| Dec '22 | — | $16M | — | — | 4.7% | 0.4% | $21M | — | — |
| Sep '22 | — | $14M | — | — | 4.6% | 0.4% | $19M | — | $66M |
| Jun '22 | — | $11M | — | — | 3.2% | 0.3% | $13M | — | $70M |
| Mar '22 | — | $9M | — | — | 2.6% | 0.2% | $12M | — | $108M |
| Dec '21 | — | $6M | — | — | 1.4% | 0.1% | $15M | — | $278M |
| Sep '21 | — | $11M | — | — | 2.8% | 0.3% | $34M | — | $226M |
Valuation over time
How the market has priced CARE against its own fundamentals since 2023-03 — each month-end's share price set against the most recent annual filing, so the multiple moves as price runs ahead of (or behind) earnings. Split-adjusted.
- The price-to-earnings ratio has risen from 6.1× (Mar '23) to 22.4× (Sep '26).
- The price-to-sales ratio has risen from 16.6× (Mar '23) to 34.6× (Sep '26).
P/E
P/S
Frequently asked questions
Is CARE growing its revenue and profit?
Over the past 5 years, Carter Bankshares, Inc.'s revenue has grown 2.5% per year. These are computed facts, not advice.
How much debt does CARE have?
As of FY2025, Carter Bankshares, Inc. reported — of total debt against $105M of cash.
What is CARE's profit margin?
In FY2025, gross margin was —, operating margin —, and net margin 154.4%.
What is CARE's P/E ratio?
As of Sep '26, Carter Bankshares, Inc. traded at a price-to-earnings ratio of about 22.4× (market cap ÷ latest annual net income). The valuation charts above show how its P/E, P/S have moved with the share price. These are computed facts, not advice.
Where does this data come from?
All figures are extracted from the company’s SEC EDGAR/XBRL filings — 10-K annual reports and 10-Q quarterly reports (use the Annual / Quarterly toggle). Quarterly figures are derived from the as-filed statements (year-to-date amounts are differenced into discrete quarters). Growth rates and ratios are computed by tradmap; nothing here is investment advice.
Source: SEC EDGAR / XBRL (10-K + 10-Q filings) · prices EOD (Databento), corporate-action-adjusted · growth rates, valuation multiples & ratios computed by tradmap. Valuation uses each month-end price against the latest annual filing. Informational only — not investment advice.