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Last update at 2026-06-22T20:00:00Z
Source: TradingView
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| Breakdown | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|---|
| Type | yearly | yearly | yearly | yearly | yearly |
| Date | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
| Income before tax | 40.00M | 30.87M | 28.72M | 61.72M | 35.70M |
| Minority interest | - | - | - | - | - |
| Net income | 31.36M | 24.52M | 23.38M | 50.12M | 31.59M |
| Selling general administrative | 75.36M | 64.11M | 60.76M | 54.41M | 62.28M |
| Selling and marketing expenses | - | 2.54M | 1.69M | 1.43M | 0.95M |
| Gross profit | 157.06M | 137.45M | 131.31M | 0.07M | 133.66M |
| Reconciled depreciation | 7.86M | 7.05M | 6.26M | 6.06M | 6.23M |
| Ebit | - | 30.87M | 28.72M | 81.97M | 35.70M |
| Ebitda | 40.00M | 37.92M | 34.97M | 88.03M | 41.93M |
| Depreciation and amortization | - | 7.05M | 6.25M | 6.06M | 6.23M |
| Non operating income net other | - | - | - | - | - |
| Operating income | 40.00M | 30.87M | 28.72M | 81.97M | 35.70M |
| Other operating expenses | 214.62M | 208.81M | 183.10M | 5.82M | -97.96700M |
| Interest expense | 101.40M | 107.27M | 74.11M | 20.25M | 22.71M |
| Tax provision | 8.64M | 6.35M | 8.81M | 11.60M | 4.11M |
| Interest income | 231.61M | 220.72M | 191.71M | 160.18M | 133.90M |
| Net interest income | 130.20M | 113.44M | 135.35M | 139.93M | 111.18M |
| Extraordinary items | - | - | - | - | - |
| Non recurring | - | - | - | - | - |
| Other items | - | - | - | - | - |
| Income tax expense | 8.64M | 6.35M | 5.34M | 11.60M | 4.11M |
| Total revenue | 254.63M | 239.67M | 211.82M | 0.07M | 133.66M |
| Total operating expenses | 117.05M | 106.58M | 102.59M | 5.82M | -97.96700M |
| Cost of revenue | 97.57M | 102.23M | 80.51M | - | - |
| Total other income expense net | - | -185.18500M | -21.91700M | -20.25400M | -22.71400M |
| Discontinued operations | - | - | - | - | - |
| Net income from continuing ops | 31.36M | 24.52M | 40.88M | 50.12M | 31.59M |
| Net income applicable to common shares | - | - | - | 50.12M | 31.59M |
| Preferred stock and other adjustments | - | - | - | - | - |
| Breakdown | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|---|
| Type | yearly | yearly | yearly | yearly | yearly |
| Date | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
| Total assets | 4851.92M | 4659.19M | 4512.54M | 4204.52M | 4133.75M |
| Intangible assets | 0.94M | - | - | - | - |
| Earning assets | - | - | - | - | - |
| Other current assets | -709.26700M | - | 56.99M | -802.23600M | -241.10100M |
| Total liab | 4432.23M | 4274.88M | 4161.30M | 3875.89M | 7.00M |
| Total stockholder equity | 419.70M | 384.31M | 351.24M | 328.63M | 407.60M |
| Deferred long term liab | - | - | - | - | - |
| Other current liab | 139.81M | 4153.42M | 1356.29M | 3648.20M | 3698.48M |
| Common stock | 22.08M | 23.07M | 22.96M | 23.96M | 26.43M |
| Capital stock | 22.08M | 23.07M | 22.96M | 23.96M | 26.43M |
| Retained earnings | 364.97M | 333.61M | 309.08M | 285.59M | 235.47M |
| Other liab | - | - | - | 18.00M | 20.67M |
| Good will | 1.19M | 0.00000M | - | - | - |
| Other assets | 4746.62M | 3735.29M | - | 2412.99M | 1935.85M |
| Cash | 105.16M | 131.17M | 54.53M | 46.87M | 277.80M |
| Cash and equivalents | - | - | - | - | - |
| Total current liabilities | 139.81M | 4153.42M | 1680.39M | 3648.20M | 3698.48M |
| Current deferred revenue | - | - | - | - | - |
| Net debt | 73.34M | -61.17100M | 338.87M | 151.55M | -270.79900M |
| Short term debt | - | 25.93M | 324.10M | - | - |
| Short long term debt | - | - | - | - | - |
| Short long term debt total | 178.50M | 70.00M | 393.40M | 198.42M | 7.00M |
| Other stockholder equity | 74.81M | 92.16M | 90.64M | 104.69M | 143.99M |
| Property plant equipment | - | - | - | 72.11M | 75.30M |
| Total current assets | 105.31M | 849.57M | 56.99M | 883.14M | 1200.20M |
| Long term investments | 701.90M | 664.99M | 779.00M | 836.27M | 922.40M |
| Net tangible assets | - | - | - | 328.63M | 407.60M |
| Short term investments | 691.61M | 654.95M | 779.00M | 836.27M | 922.40M |
| Net receivables | 17.80M | 63.45M | - | - | - |
| Long term debt | 178.50M | 70.00M | 393.40M | 198.42M | 7.00M |
| Inventory | - | - | - | 8.39M | 10.92M |
| Accounts payable | - | - | - | 3630.33M | 3698.48M |
| Total permanent equity | - | - | - | - | - |
| Noncontrolling interest in consolidated entity | - | - | - | - | - |
| Temporary equity redeemable noncontrolling interests | - | - | - | - | - |
| Accumulated other comprehensive income | -42.16000M | -64.52100M | -71.43900M | -85.61600M | 1.70M |
| Additional paid in capital | - | - | - | - | - |
| Common stock total equity | - | - | - | 23.96M | 26.43M |
| Preferred stock total equity | - | - | - | - | - |
| Retained earnings total equity | - | - | - | 285.59M | 235.47M |
| Treasury stock | - | - | - | - | - |
| Accumulated amortization | - | - | - | - | - |
| Non currrent assets other | 545.33M | 176.02M | 4360.21M | -908.38700M | -997.69700M |
| Deferred long term asset charges | - | - | - | - | - |
| Non current assets total | 4746.76M | 3809.62M | 4455.55M | 908.39M | 997.70M |
| Capital lease obligations | - | - | - | - | - |
| Long term debt total | - | - | - | - | - |
| Breakdown | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|---|
| Type | yearly | yearly | yearly | yearly | yearly |
| Date | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
| Investments | 52.25M | -68.40200M | -367.44100M | -381.42900M | -37.20400M |
| Change to liabilities | - | - | - | 3.55M | -2.67500M |
| Total cashflows from investing activities | -155.91100M | -68.40200M | -307.01100M | -382.07100M | -106.35500M |
| Net borrowings | 108.50M | -323.40000M | 212.85M | 191.42M | -28.00000M |
| Total cash from financing activities | 90.04M | 108.11M | 267.94M | 80.35M | 64.67M |
| Change to operating activities | - | - | - | -1.08100M | 5.29M |
| Net income | 31.36M | 24.52M | 23.38M | 50.12M | 31.59M |
| Change in cash | -26.00800M | 76.64M | 7.66M | -230.93000M | 35.86M |
| Begin period cash flow | 131.17M | 54.53M | 46.87M | 277.80M | 241.94M |
| End period cash flow | 105.16M | 131.17M | 54.53M | 46.87M | 277.80M |
| Total cash from operating activities | 39.86M | 36.94M | 46.73M | 70.79M | 77.54M |
| Issuance of capital stock | - | - | - | - | - |
| Depreciation | 7.86M | 7.05M | 6.25M | 6.06M | 6.23M |
| Other cashflows from investing activities | -155.91100M | -116.55000M | -364.49900M | 5.25M | -60.66700M |
| Dividends paid | - | - | - | 0.00000M | 0.00000M |
| Change to inventory | - | - | - | - | - |
| Change to account receivables | - | - | - | - | - |
| Sale purchase of stock | -20.00000M | 0.00000M | -16.41600M | -42.92700M | -0.15700M |
| Other cashflows from financing activities | 1.54M | 431.51M | 89.38M | 296.83M | 92.83M |
| Change to netincome | - | - | - | 8.08M | 33.69M |
| Capital expenditures | 8.05M | 8.13M | 9.80M | 5.89M | 8.48M |
| Change receivables | - | - | - | - | - |
| Cash flows other operating | - | - | - | -2.77100M | 3.91M |
| Exchange rate changes | - | - | - | - | - |
| Cash and cash equivalents changes | - | - | - | -230.93000M | 35.86M |
| Change in working capital | -0.47000M | 1.83M | -1.42700M | -1.08100M | 5.29M |
| Stock based compensation | 2.07M | 1.75M | 1.56M | 1.31M | 1.04M |
| Other non cash items | 8.97M | -1.42600M | 14.49M | 10.13M | 28.57M |
| Free cash flow | 31.81M | 28.80M | 36.93M | 64.90M | 69.05M |
Sector: Financial Services Industry: Banks - Regional
| Company | Change (USD) | Price (USD) | Trailing PE (x) | Forward PE (x) | Price Sales TTM (x) | Price to Book Value (x) | Enterprise Value to Revenue (x) |
|---|---|---|---|---|---|---|---|
| CARE Carter Bank and Trust |
0.56 1.81% | 31.52 | 17.58 | 13.66 | 3.45 | 1.28 | 4.80 |
| HDB HDFC Bank Limited ADR |
0.03 0.12% | 25.09 | 20.81 | 20.96 | 0.11 | 4.77 | |
| CIHKY China Merchants Bank Co Ltd |
-0.32 1.06% | 29.79 | 7.78 | 7.65 | 0.56 | 0.90 | 3.62 |
| DBSDF DBS Group Holdings Ltd |
1.60 3.22% | 51.35 | 15.29 | 14.41 | 5.84 | 2.36 | 10.40 |
| CIHHF China Merchants Bank Co Ltd Class H |
- -% | 5.70 | 6.10 | 5.67 | 0.44 | 0.77 | 3.43 |
Carter Bankshares, Inc. operates as the bank holding company for Carter Bank & Trust that provides various retail and commercial banking products and insurance services in the United States. It offers various deposit products, including checking, savings, retirement, and money market accounts, as well as certificates of deposit. The company also provides commercial loans, such as secured and unsecured, real estate construction and acquisition, and commercial and industrial loans; consumer loans, such as automobiles, home improvements, education, overdraft protection, and personal, and residential mortgages loans; home equity lines of credit; and credit cards, as well as originates and holds fixed and variable rate mortgage loans. In addition, it offers other banking services that include safe deposit boxes, direct deposit of payroll, social security checks, and debit cards; online banking products, including online and mobile banking, online account opening, bill payment, electronic statement, mobile deposit, Zelle, credit monitoring tools, digital wallet, MoneyPass, and ATM services; title insurance and other financial institution-related products and services; and treasury and corporate cash management services. Carter Bankshares, Inc. was founded in 1974 and is headquartered in Martinsville, Virginia.
1300 Kings Mountain Road, Martinsville, VA, United States, 24112
| Name | Title | Year Born |
|---|---|---|
| Mr. Litz H. Van Dyke | CEO & Director | 1964 |
| Ms. Phyllis Q. Karavatakis | Vice Chairman | 1956 |
| Ms. Wendy S. Bell | Chief Financial Officer | 1964 |
| Mr. Matthew M. Speare | Exec. VP & Chief Information Officer | 1967 |
| Mr. Tony E. Kallsen | Exec. VP & Chief Credit Officer | 1968 |
| Ms. Jane Ann Davis | Exec. VP & Chief Admin. Officer | 1963 |
| Mr. John Richard Spiker II | Exec. VP & Chief Lending Officer | 1967 |
| Mr. A. Loran Adams | Exec. VP & Director of Regulatory Risk Management | 1961 |
| Ms. Tami M. Buttrey | Exec. VP, Chief Retail Banking Officer & Director of Delivery Channel Optimization | NA |
| Joyce A. Parker | Sec. | NA |
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