Carter Bankshares, Inc.

Carter Bankshares, Inc. (CARE) is currently classified as Commercial Banks within Banks (Financials). Classification confidence: 0.98 (rule-based classification). Capital structure on the latest snapshot: total assets 4,799,270,000 USD, total equity 504,902,000, short-term debt 0, long-term debt 0. Self-calculated market cap is 740,611,334 USD (market_price × shares_outstanding_diluted). Profitability profile: revenue 0, gross profit 0, operating income 0, net income 85,757,000. Return on equity ~6.2%. Return on assets ~0.7%. Operating-cash-flow to net-income ratio is 1.27. Risk profile from automated assessment: liquidity risk unknown, dilution risk low. Flags: Liquidity risk could not be assessed (no balance-sheet inputs and no going-concern language in source documents).. Recent news context: [TRIGGER] allocator_boost: allocator_boost (allocator) on CARE — watcher=allocator; producer_version=ws49-p2a-v2; plan_date=2026-07-27; rank=25; ev=9.480073; company_id=8e734f7a-3295-4626-bf69-03c8c7a4dedc; jurisdiction=US; term_contributions={'event_proximity': 2.456192, 'gradability': 2.0, 'staleness': 3.637586, 'credibility_interest': 1.386294}; days_since_analysis=37; pending_promises=3; reason=Allocator coverage boost rank #25 EV=9.480073 for CARE (hot+stale; days_since=37); calendar_week={'next_event_date': '2026-07-28', 'days_until': 1, 'bases': ['expected (estimated date)'], 'in_plan_rows': True, 'never_analyzed': True}; contributing_watchers=allocator (source=allocator; url=allocator:2026-07-27:CARE). Additional context: allocator_boost: watcher=allocator; producer_version=ws49-p2a-v2; plan_date=2026-07-27; rank=25; ev=9.480073; company_id=8e734f7a-3295-4626-bf69-03c8c7a4dedc; jurisdiction=US; term_contributions={'event_proximity': 2.456192, 'gradability': 2.0, 'staleness': 3.637586, 'credibility_interest': 1.386294}; days_since_analysis=37; pending_promises=3; reason=Allocator coverage boost rank #25 EV=9.480073 for CARE (hot+stale; days_since=37); calendar_week={'next_event_date': '2026-07-28', 'days_until': 1, 'bases': ['expected (estimated date)'], 'in_plan_rows': True, 'never_analyzed': True}; contributing_watchers=allocator. Comparable peers identified within the same class: JPMorgan Chase, Bank of America, Citigroup, JPM.N, BAC.O.

Carter Bankshares achieves a net margin of 1.54%, significantly outperforming the 0.32% median for its banking cohort.

The company maintains a zero debt-to-equity ratio, indicating a conservative capital structure compared to the 0.28 cohort median.

Carter Bankshares trades at a 1.48x price-to-book multiple, reflecting a premium valuation relative to its tangible book value.

Revenue demonstrated a 6.0% compound annual growth rate over the two-year period from FY2023 to FY2025.

The firm exhibits low dilution risk, suggesting stable ownership structure and minimal threat to existing shareholder value.

Revenue contracted by 4.4% year-over-year in FY2025, indicating a reversal of previous growth momentum.

Total assets decreased by 4.0% year-over-year in FY2025, reflecting a shrinking balance sheet and potential business contraction.

Free cash flow dropped by 9.4% year-over-year in FY2025, highlighting weakening cash generation capabilities.

Revenue $20.3M; Net margin 154.4%.

• ▍Revenue $20.3M
• ▍Net margin 154.4%

Revenue $19.4M; Net margin 126.3%.

• ▍Revenue $19.4M
• ▍Net margin 126.3%

Revenue $19.4M; Net margin 126.3%.

• ▍Revenue $19.4M
• ▍Net margin 126.3%

Revenue $17.3M; Net margin 135.4%.

• ▍Revenue $17.3M
• ▍Net margin 135.4%

Revenue $17.3M; Net margin 135.4%.

• ▍Revenue $17.3M
• ▍Net margin 135.4%