InsiderClue
Stocks · Financials · National Commercial Banks

Carter Bankshares, Inc.

CARE Clue Score54
United States Fiscal year ends December CIK 0001829576
$30.16 -1.02% Close, 9 Oct 2026
Alert on the numbers Alert on insider trades
Price $30.16 +110.61% Close, 9 Oct 2026

Closing prices at the end of each trading day, from 12 Oct 2016. Not a live quote. Adjusted for share splits, so the line has no step at a split; dividends are not added back. P/E and P/FCF are the market value over the last full fiscal year's net income or free cash flow, as public on each day, so they step once a year when the annual report comes out. A hatched band marks a stretch with none: a year of net loss, or of cash burnt.

Revenue and profit

What the business sells, and what is left of it. Point at a year for the detail.
RevenueNet income
Fiscal year 2019Revenue12.8Net income26.6EPS, diluted1.01Fiscal year 2020Revenue18.0 +40.8%Net income−45.9 −272.6%EPS, diluted−1.74 −272.3%Fiscal year 2021Revenue17.5 −2.8%Net income31.6EPS, diluted1.19Fiscal year 2022Revenue18.3 +4.8%Net income50.1 +58.7%EPS, diluted2.03 +70.6%Fiscal year 2023Revenue17.3 −5.8%Net income23.4 −53.3%EPS, diluted1.00 −50.7%Fiscal year 2024Revenue19.4 +12.4%Net income24.5 +4.9%EPS, diluted1.06 +6.0%Fiscal year 2025Revenue20.3 +4.6%Net income31.4 +27.9%EPS, diluted1.38 +30.2%
FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Revenue 12.8 18.0 17.5 18.3 17.3 19.4 20.3
Growth +40.8% −2.8% +4.8% −5.8% +12.4% +4.6%
Net income 26.6 −45.9 31.6 50.1 23.4 24.5 31.4
Growth −272.6% +58.7% −53.3% +4.9% +27.9%
EPS, diluted 1.01 −1.74 1.19 2.03 1.00 1.06 1.38
Growth −272.3% +70.6% −50.7% +6.0% +30.2%

Margins

How much of each dollar of revenue it keeps. Point at a year for the detail.
Net margin
Fiscal year 2019Net margin207.9%Free cash flow margin233.4%Fiscal year 2020Net margin−254.9%Free cash flow margin−13.4%Fiscal year 2021Net margin180.7%Free cash flow margin394.9%Fiscal year 2022Net margin273.4%Free cash flow margin354.0%Fiscal year 2023Net margin135.4%Free cash flow margin213.9%Fiscal year 2024Net margin126.3%Free cash flow margin148.4%Fiscal year 2025Net margin154.4%Free cash flow margin156.6%
FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Net margin 207.9% −254.9% 180.7% 273.4% 135.4% 126.3% 154.4%
Free cash flow margin 233.4% −13.4% 394.9% 354.0% 213.9% 148.4% 156.6%

Cash flow

The cash the business makes, what it reinvests, and what it hands back. Point at a year for the detail.
Operating cash flowCapital expenditureFree cash flow
Fiscal year 2019Operating cash flow38.3Capital expenditure−8.5Free cash flow29.8Buybacks0.0Dividends paid0.0Fiscal year 2020Operating cash flow7.7Capital expenditure−10.1Free cash flow−2.4 −108.1%Buybacks0.0Dividends paid−3.7Fiscal year 2021Operating cash flow77.5Capital expenditure−8.5Free cash flow69.1Buybacks−0.2Dividends paid0.0Fiscal year 2022Operating cash flow70.8Capital expenditure−5.9Free cash flow64.9 −6.0%Buybacks−42.9Dividends paid0.0Fiscal year 2023Operating cash flow46.7Capital expenditure−9.8Free cash flow36.9 −43.1%Buybacks−16.4Fiscal year 2024Operating cash flow36.9Capital expenditure−8.1Free cash flow28.8 −22.0%Buybacks0.0Fiscal year 2025Operating cash flow39.9Capital expenditure−8.1Free cash flow31.8 +10.4%Buybacks−20.0
FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Operating cash flow 38.3 7.7 77.5 70.8 46.7 36.9 39.9
Capital expenditure −8.5 −10.1 −8.5 −5.9 −9.8 −8.1 −8.1
Free cash flow 29.8 −2.4 69.1 64.9 36.9 28.8 31.8
Growth −108.1% −6.0% −43.1% −22.0% +10.4%
Buybacks 0.0 0.0 −0.2 −42.9 −16.4 0.0 −20.0
Dividends paid 0.0 −3.7 0.0 0.0 n/a n/a n/a

Balance sheet

What it holds against what it owes, at each year end. Point at a year for the detail.
Cash
Fiscal year 2019Cash125.8Shareholders’ equity473.1Fiscal year 2020Cash241.9Shareholders’ equity440.2Fiscal year 2021Cash277.8Shareholders’ equity407.6Fiscal year 2022Cash46.9Shareholders’ equity328.6Fiscal year 2023Cash54.5Shareholders’ equity351.2Fiscal year 2024Cash131.2Shareholders’ equity384.3Fiscal year 2025Cash105.2Shareholders’ equity419.7
FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Cash 125.8 241.9 277.8 46.9 54.5 131.2 105.2
Shareholders’ equity 473.1 440.2 407.6 328.6 351.2 384.3 419.7

In millions of USD, except per-share figures and ratios. Fiscal years, as last filed with the SEC.

Financial statements FY2025 · 10-K

Income statement

In millions of USD, except per-share figures; shares in millions. Fiscal years ending December, each column as last filed with the SEC.
Click a line to chart it
Fiscal year FY2019 31 Dec 2019 FY2020 31 Dec 2020 FY2021 31 Dec 2021 FY2022 31 Dec 2022 FY2023 31 Dec 2023 FY2024 31 Dec 2024 FY2025 31 Dec 2025
Revenue and profit
12.8 18.0 17.5 18.3 17.3 19.4 20.3
Growth +40.8% −2.8% +4.8% −5.8% +12.4% +4.6%
27.8 −45.1 35.7 61.7 28.7 30.9 40.0
1.2 0.8 4.1 11.6 5.3 6.3 8.6
26.6 −45.9 31.6 50.1 23.4 24.5 31.4
Growth −272.6% +58.7% −53.3% +4.9% +27.9%
Per share
1.01 −1.74 1.19 2.03 1.00 1.06 1.38
1.01 −1.74 1.19 2.03 1.00 1.06 1.38
Growth −272.3% +70.6% −50.7% +6.0% +30.2%
26.3 26.4 26.3 24.6 23.2 22.8 22.5
26.3 26.4 26.3 24.6 23.2 22.8 22.5
Growth +0.5% −0.1% −6.6% −5.5% −1.8% −1.6%

Five years in brief

Worked out from the figures above, not from a press release
  • Revenue grew 2.5% a year over five years.
  • The diluted share count fell 14.9% in five years, so buybacks did some of the work per share.
  • A net loss in 1 of 7 years on file.