CARE
Financial ServicesCarter Bankshares, Inc. · Banks - Regional · $610M
What is Carter Bankshares, Inc.?
Carter Bankshares, Inc. is the holding company for Carter Bank & Trust, a community bank serving customers across Virginia and North Carolina through a network of 69 branches. It focuses on traditional banking relationships in regional markets.
Carter Bank & Trust generates revenue primarily through interest income on loans and deposits. The bank accepts checking, savings, money market, and certificate of deposit accounts while extending commercial, consumer, and real estate loans. Additional services include treasury management, home equity lines of credit, credit cards, and digital banking tools such as mobile deposit and online account opening.
Carter Bankshares was founded in 2007 and is headquartered in Martinsville, Virginia.
- Commercial and consumer lending
- Deposit accounts including CDs and money market
- Residential mortgages and home equity lines of credit
- Treasury and corporate cash management services
Is CARE a Good Stock to Buy?
UQS Score rates CARE as Below Average overall, reflecting a mixed profile across its five quality pillars.
The Risk pillar stands out as the clearest positive, suggesting the bank maintains a relatively measured exposure to downside scenarios compared to peers. Valuation is rated Attractive, meaning the stock does not appear richly priced relative to its fundamentals.
The Moat pillar registers as Weak, indicating limited competitive differentiation, while Quality and Growth both land at Neutral — leaving little to distinguish CARE from the broader community-banking landscape.
See the exact pillar breakdown and full financial metrics by signing up for a UQS Pro account. Sign up free →
Past performance does not guarantee future results. UQS Score is based on fundamental data and is not a buy/sell recommendation.
Does CARE pay dividends?
No — Carter Bankshares, Inc. does not currently pay a dividend.
Carter Bankshares does not currently pay a dividend. For a community bank of its size, retaining earnings can support loan growth, capital adequacy, and branch operations rather than distributing cash to shareholders. Income-focused investors should factor this into their assessment.
When does CARE report earnings?
Carter Bankshares reports earnings on a quarterly cadence, consistent with standard practice for US-listed bank holding companies.
The bank's recent results reflect the pressures common to regional lenders — shifting interest rate dynamics, deposit competition, and credit quality management. Performance across quarters has been measured rather than exceptional, consistent with its Neutral Quality and Growth pillar ratings.
For the most recent quarter's results, visit Carter Bankshares' investor relations page directly.
CARE Price History
+57.0% over 5Y
Monthly close, adjusted for stock splits and dividend reinvestment.
What if I invested in Carter Bankshares, Inc.?
Based on Carter Bankshares, Inc.'s historical closing prices, adjusted for stock splits and dividend reinvestment. Past performance does not guarantee future results. This is for informational purposes only and is not financial advice.
CARE Long-term Outlook
The fundamental outlook for CARE is cautious but not alarming. A Good Risk rating suggests the bank is not overextended, while the Attractive Valuation label indicates the market may already be pricing in modest expectations. Growth, however, remains Neutral, meaning meaningful acceleration in earnings or loan volume is not clearly evident in the current profile. The Weak Moat rating is a longer-term concern, as community banks without strong differentiation face ongoing pressure from larger institutions and fintech alternatives.
Growth drivers
- Potential benefit from stabilizing interest rate environment improving net interest margins
- Deepening commercial banking relationships across its Virginia and North Carolina footprint
- Expansion of digital banking services to retain and attract deposit customers
Key risks
- Weak competitive moat leaves the bank vulnerable to deposit and loan competition from larger banks
- Limited geographic diversification concentrates exposure to regional economic conditions
- Neutral Growth profile suggests limited near-term earnings momentum
CARE vs Peers
Carter Bankshares operates in a crowded community banking space alongside several similarly sized regional peers.
ACNB is a Pennsylvania-based community bank with a comparable branch-driven model, competing for similar small-business and retail deposit customers.
Flushing Financial operates primarily in the New York metro area, giving it exposure to a denser and more commercially active deposit market than CARE's regional footprint.
Unity Bancorp serves New Jersey and Pennsylvania markets, with a focus on small business lending that overlaps with Carter Bank & Trust's commercial loan strategy.
Frequently Asked Questions
What does Carter Bankshares do?
Carter Bankshares is the holding company for Carter Bank & Trust, a community bank operating 69 branches across Virginia and North Carolina. It offers deposit accounts, commercial and consumer loans, residential mortgages, home equity lines of credit, and treasury management services to individuals and businesses.
Does CARE pay dividends?
Carter Bankshares does not currently pay a dividend. The company retains earnings to support its capital base and lending operations. Investors seeking regular income distributions should note this when evaluating CARE against dividend-paying peers in the community banking sector.
When does CARE report earnings?
Carter Bankshares follows a standard quarterly earnings schedule. Specific dates are not covered by our data source, so we recommend checking the company's investor relations page or a financial calendar service for the most accurate upcoming reporting dates.
Is CARE a good stock to buy?
UQS Score rates CARE as Below Average overall. The Attractive Valuation and Good Risk ratings offer some reassurance, but the Weak Moat and Neutral Quality and Growth ratings temper the overall picture. The full pillar breakdown is available to UQS Pro members.
Is CARE overvalued?
Based on the UQS Valuation pillar, CARE is rated Attractive, suggesting the stock is not trading at a premium relative to its fundamentals. For a community bank with modest growth prospects, this may reflect market caution rather than a clear opportunity — context matters.
How does CARE compare to its competitors?
Carter Bankshares competes with regional peers such as ACNB Corporation, Flushing Financial, and Unity Bancorp. Each operates a branch-based community banking model, though they differ in geographic focus and market density. UQS Score provides side-by-side pillar comparisons for Pro members.
What is CARE's market cap bracket?
Carter Bankshares is classified as a small-cap company. This places it among the smaller publicly traded bank holding companies, which typically means less analyst coverage, lower trading liquidity, and greater sensitivity to local economic conditions than larger regional or national banks.
Who founded Carter Bankshares?
Carter Bankshares was incorporated in 2007 as the holding company for Carter Bank & Trust. The bank itself has deeper roots in the Virginia banking community. For detailed founding history, the company's official website and investor relations materials are the most reliable sources.
Is CARE a long-term quality investment?
As a long-term quality indicator, CARE's Below Average UQS Score reflects meaningful limitations — particularly its Weak Moat, which suggests the bank lacks strong competitive advantages to defend its market position over time. The Good Risk and Attractive Valuation ratings provide partial offsets worth monitoring.
What sector does CARE belong to?
Carter Bankshares operates in the Financial Services sector, specifically within community and regional banking. This segment is sensitive to interest rate cycles, credit quality trends, and local economic conditions — all factors reflected in the UQS Risk and Moat pillar assessments.
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Pro Analysis
CARE — Score History
| Date | UQS | Quality | Moat | Growth | Risk | Value | Change |
|---|---|---|---|---|---|---|---|
| May 23, 2026 | 57.2 | 100.0 | 15.0 | 44.7 | 37.2 | 92.9 | -0.1 |
| May 22, 2026 | 57.3 | 100.0 | 15.0 | 44.7 | 37.2 | 93.6 | -0.1 |
| May 21, 2026 | 57.4 | 100.0 | 15.0 | 44.7 | 37.2 | 94.0 | 0.0 |
| May 20, 2026 | 57.4 | 100.0 | 15.0 | 44.7 | 37.2 | 94.2 | -0.1 |
| May 19, 2026 | 57.5 | 100.0 | 15.0 | 44.7 | 37.2 | 94.8 | +0.1 |
| May 16, 2026 | 57.4 | 100.0 | 15.0 | 44.7 | 37.2 | 94.1 | +0.2 |
| May 15, 2026 | 57.2 | 100.0 | 15.0 | 44.7 | 37.2 | 92.9 | -0.1 |
| May 14, 2026 | 57.3 | 100.0 | 15.0 | 44.7 | 37.2 | 93.5 | -0.1 |
| May 13, 2026 | 57.4 | 100.0 | 15.0 | 44.7 | 37.2 | 94.1 | +0.1 |
| May 12, 2026 | 57.3 | 100.0 | 15.0 | 44.7 | 37.2 | 93.5 | -0.1 |
CARE — Pillar Breakdown
Quality
— 100.0/100 (25%)Carter Bankshares, Inc. demonstrates outstanding capital efficiency and profitability, placing it among the highest-quality businesses in the market.
Profitability relative to shareholders' equity.
Ability to convert revenue into operating profit.
Bottom-line profit as a share of revenue.
Free cash flow relative to market value.
Growth
— 44.7/100 (20%)Carter Bankshares, Inc. shows steady but unspectacular growth, typical for mature companies.
Revenue trajectory over the last twelve months.
Compound annual revenue growth rate over 3 years.
Year-over-year earnings per share growth.
Analyst consensus for future revenue growth.
Analyst consensus for future earnings growth.
Risk
— 37.2/100 (15%)Carter Bankshares, Inc. has some risk factors including moderate leverage or solvency concerns.
Total debt relative to shareholder equity.
Short-term liquidity — ability to pay near-term obligations.
Earnings capacity relative to interest payments.
Valuation
— 92.9/100 (15%)Carter Bankshares, Inc. appears attractively valued relative to its earnings, cash flows, and sector peers.
Inverse of forward P/E — higher yield means cheaper stock.
How many years of FCF the market cap represents.
P/E relative to earnings growth — lower is more attractive.
Enterprise value multiple relative to sector median.
Moat
— 15/100 (25%)Carter Bankshares, Inc. operates in a highly competitive environment with limited sustainable advantages. The Moat pillar evaluates competitive advantages across five dimensions: Switching Costs, Network Effects, Cost Advantage, Intangible Assets, and Scale & Ecosystem. Sign in to customize moat ratings for CARE.
Score Composition
Financial Data
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How is the CARE UQS Score Calculated?
The UQS (Unified Quality Score) for Carter Bankshares, Inc. is calculated using a proprietary 6-pillar framework with 29 financial metrics. Each pillar evaluates a different dimension on a 0–100 scale, then combines into a single weighted score. Scoring thresholds are calibrated per sector. Momentum is an optional Pro toggle — without it, you get the 5-pillar / 25-metric core shown below.
Quality (25%) measures profitability and capital efficiency — ROIC, ROE, margins, GP/Assets, and FCF Yield.
Moat (25%) assesses Carter Bankshares, Inc.'s competitive advantages across switching costs, network effects, cost advantages, intangible assets, and ecosystem scale.
Growth (20%) tracks revenue trajectory and earnings momentum, combining historical results with analyst forward estimates.
Risk (15%) is inversely scored — lower leverage and strong balance sheet health result in higher scores.
Valuation (15%) measures whether Carter Bankshares, Inc. is fairly priced using earnings yield, price-to-FCF, PEG ratio, and EV/EBITDA relative to sector peers.
Six investor-inspired presets are available, each with different pillar weights: Balanced, Buffett, Munger, Lynch, Cathie Wood, and Graham. The public score shown here uses the Balanced preset. Learn more in our FAQ.