US · CARE
Carter Bankshares, Inc.
- Sector
- Financial Services · Banks - Regional
- Headquarters
- Martinsville, VA 24112
- Website
- cbtcares.com
Price · as of 2025-12-31
$25.88
Market cap 460.29M
Valuation summary
Four models, one snapshot. Upside is target ÷ current − 1.
| Valuation method | Value, $ | Upside, % |
|---|---|---|
| Artificial Intelligence(AI) | $52.97 | +104.68% |
| Intrinsic Value(DCF) | $15.89 | -38.6% |
| Graham-Dodd Method(GD) | $25.62 | -1.01% |
| Graham Formula(GF) | $19.64 | -24.12% |
Valuation history
Annual price (USD per share) overlaid with each model's fair value. Y-axis is log scale.
| Year | Price | AI | DCF | Graham-Dodd | Graham Formula |
|---|---|---|---|---|---|
| 2011 | $7.29 | $55.19 | $0.00 | $10.38 | $8.44 |
| 2012 | $8.12 | $46.76 | $19.69 | $11.18 | $11.83 |
| 2013 | $10.21 | $47.25 | $16.88 | $10.96 | $2.38 |
| 2014 | $12.55 | $45.52 | $14.20 | $13.24 | $11.09 |
| 2015 | $13.11 | $45.43 | $15.43 | $15.52 | $16.98 |
| 2016 | $15.29 | $49.84 | $24.78 | $12.82 | $0.00 |
| 2017 | $17.13 | $51.03 | $33.44 | $14.05 | $0.00 |
| 2018 | $17.08 | $74.13 | $38.83 | $16.51 | $7.76 |
| 2019 | $15.09 | $58.06 | $33.94 | $20.66 | $14.58 |
| 2020 | $14.50 | $58.07 | $29.00 | $5.90 | $0.00 |
| 2021 | $16.06 | $31.90 | $35.63 | $21.47 | $4.47 |
| 2022 | $15.33 | $62.45 | $32.38 | $23.55 | $45.02 |
| 2023 | $13.08 | $62.83 | $15.47 | $20.14 | $25.70 |
| 2024 | $16.50 | $59.74 | $20.55 | $21.81 | $21.90 |
| 2025 | $20.94 | $52.97 | $27.03 | $25.62 | $19.64 |
AI valuation
Our deep-learning model estimates Carter Bankshares, Inc.'s (CARE) per-share fair value from quarterly fundamentals, sector trend, and historical valuation patterns.
- AI fair value
- $52.97
- Current price
- $25.88
- AI upside
- +104.68%
Methodology and confidence bands appear in the dedicated valuation theory section. The AI score is an estimate, not a recommendation.
Intrinsic value (DCF)
Open DCF calculatorThree textbook valuation models, recomputed daily from the latest financial statements. The DCF uses our Chepakovich model. Graham-Dodd and Graham Formula are conservative reference points.
DCF
$15.89
-38.6% upside
Graham-Dodd
$25.62
-1.01% upside
Graham Formula
$19.64
-24.12% upside
Peer comparison
Same-industry comparables, ranked by market cap.
| Basic Info | Model Valuation | Core Valuation | Profitability | Leverage & Liquidity | Growth | Cash Flow | Dividends | Enterprise Value | Risk | ||||||||||||||||||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Ticker | Company Name | Price | Market Cap | AI Upside | DCF Upside | GD Upside | GF Upside | P/E | P/B | P/S | EV/EBITDA | PEG | P/TBV | Gross Margin | Operating Margin | Net Margin | ROE | ROIC | ROA | Debt/Equity | Interest Coverage | Current Ratio | Quick Ratio | Net Debt/EBITDA | EPS Growth | Sales Growth | FCF Growth | FCF Yield | Op Cash Flow Ratio | Cash ROIC | Dividend Yield | Dividend Payout | Shareholder Yield | EV/EBIT | EV/FCF | EV/Sales | Altman Z-Score |
| CARE | Carter Bankshares, Inc. | $25.88 | 460.29M | +105% | -39% | -1% | -24% | 14.99 | 1.12 | 1.85 | 16.22 | 46.75 | 1.13 | 61.68% | 15.71% | 12.32% | 7.80% | 23.55% | 0.66% | 0.43 | 0.39 | 0.05 | 0.00 | 4.46 | 3208.00% | 624.00% | -10000.00% | 0.00% | 0.00 | 0.00% | 0.00% | 0.00% | 0.00% | 16.22 | — | 2.55 | -0.22 |
| BSRR | Sierra Bancorp | $35.98 | 485.1M | +97% | -16% | +13% | +18% | 11.52 | 1.34 | 2.41 | -0.80 | 112.06 | 1.45 | 73.86% | 27.92% | 20.96% | 11.72% | -28.91% | 1.14% | 1.42 | 1.21 | 0.57 | 0.57 | 6.80 | 1028.00% | 567.00% | -3981.00% | 6.91% | 0.02 | -23.00% | 0.00% | 0.00% | 0.00% | -0.80 | -1.33 | -0.22 | -0.07 |
| BSVN | Bank7 Corp. | $40.68 | 384.56M | +32% | +297% | -17% | +105% | 8.02 | 1.72 | 2.57 | 1.52 | 13.66 | 1.80 | 68.24% | 42.27% | 32.00% | 23.83% | -40.08% | 2.60% | 0.00 | 1.33 | 0.18 | 0.18 | -3.92 | 5869.00% | 918.00% | 985.00% | 13.88% | 0.04 | -44.60% | 2.20% | 17.60% | 13.90% | 1.54 | 1.83 | 0.65 | -0.42 |
| CWBC | Community West Bancshares | $23.23 | 445.1M | +181% | +63% | +14% | +124% | 11.67 | 1.09 | 2.29 | 8.93 | 3.39 | 1.46 | 72.62% | 26.99% | 19.61% | 9.88% | 13.27% | 1.06% | 0.35 | 1.06 | 0.05 | 0.05 | 0.45 | 34444.00% | 1852.00% | -10000.00% | 0.00% | 0.00 | 0.00% | 0.00% | 0.00% | 13.34% | 8.93 | — | 2.41 | -0.50 |
| FRBA | First Bank | $15.92 | 400.14M | +234% | +188% | +56% | +69% | 9.15 | 0.90 | 1.62 | 11.70 | 218.26 | 1.02 | 55.22% | 23.22% | 17.69% | 10.24% | 8.13% | 1.13% | 0.61 | 0.58 | 0.27 | 0.00 | 4.73 | 419.00% | 756.00% | -10000.00% | 0.00% | 0.00 | 0.00% | 0.00% | 0.00% | 0.00% | 11.70 | — | 2.72 | -0.01 |
| GCBC | Greene County Bancorp, In… | $22.07 | 375.78M | +130% | +15% | -13% | +70% | 12.63 | 1.65 | 2.96 | 0.48 | 48.19 | 1.65 | 55.69% | 26.08% | 23.42% | 14.00% | -22.60% | 1.06% | 0.54 | 0.60 | 0.19 | 0.19 | -1.58 | 2621.00% | 1307.00% | 1660.00% | 6.94% | 0.01 | -19.81% | 1.14% | 14.40% | 16.99% | 0.49 | 0.62 | 0.13 | -0.59 |
| KRNY | Kearny Financial Corp. | $7.65 | 481.05M | +555% | -29% | -27% | -30% | 15.36 | 0.54 | 1.17 | 13.29 | — | 0.63 | 44.14% | 9.02% | 7.59% | 3.48% | 2.55% | 0.34% | 1.68 | 0.16 | 1.20 | 1.20 | 30.36 | -13022.00% | 509.00% | -4982.00% | 5.34% | 0.00 | 2.09% | 6.90% | 106.00% | 120.99% | 15.38 | 22.30 | 1.39 | 0.33 |
| SFST | Southern First Bancshares… | $55.84 | 458.8M | -3% | -25% | +16% | -11% | 14.81 | 1.22 | 2.00 | 12.61 | 15.37 | 1.22 | 51.26% | 17.63% | 13.52% | 8.69% | 5.85% | 0.72% | 0.72 | 0.37 | 0.06 | 0.06 | 5.35 | 9634.00% | 529.00% | 2060.00% | 6.64% | 0.01 | 5.75% | 0.00% | 0.00% | 0.00% | 14.12 | 18.71 | 2.49 | -0.47 |
| USCB | USCB Financial Holdings, … | $18.93 | 343.35M | +101% | -27% | -25% | +162% | 14.27 | 1.63 | 2.45 | 6.94 | 29.97 | 1.63 | 55.23% | 22.56% | 17.14% | 12.11% | 23.66% | 1.00% | 0.80 | 0.53 | 0.14 | 0.14 | 2.86 | 4762.00% | 3279.00% | 5090.00% | 9.59% | 0.02 | 32.38% | 1.12% | 16.00% | 18.00% | 7.06 | 6.79 | 1.59 | -0.74 |
| VBNK | VersaBank | $16.50 | 527.1M | +489% | -23% | -15% | -39% | 23.23 | 1.24 | 5.50 | 4.19 | — | 1.30 | 100.00% | 34.51% | 23.67% | 6.11% | 16.74% | 0.53% | 0.20 | 0.23 | 0.13 | 0.13 | -10.61 | -3960.00% | 770.00% | -36772.00% | -102.89% | -0.14 | -400.09% | 0.49% | 11.40% | 55.79% | 4.51 | -0.27 | 1.56 | -0.71 |
| WTBA | West Bancorporation, Inc. | $24.35 | 412.51M | +183% | -23% | +4% | -33% | 12.86 | 1.57 | 2.11 | 0.76 | 36.53 | 1.57 | 47.99% | 20.87% | 16.40% | 13.19% | -22.55% | 0.80% | 0.40 | 0.40 | — | — | 1.96 | 3521.00% | 33.00% | -10000.00% | 0.00% | — | 0.00% | 0.00% | 0.00% | 16.22% | 0.76 | — | 0.16 | 0.39 |
About Carter Bankshares, Inc.
Carter Bankshares, Inc. operates as the bank holding company for Carter Bank & Trust that provides various banking products and services. It accepts various deposit products, including checking, savings, retirement, and money market accounts, as well as longer-term certificates of deposits. The company also offers commercial loans comprising secured and unsecured loans; consumer loans, such as secured and unsecured loans for financing automobiles, home improvements, education, overdraft protection, and personal investments, as well as residential mortgages; real estate construction and acquisition loans; home equity lines of credit; and credit cards, as well as originates and holds fixed and variable rate mortgage loans. In addition, it provides other banking services that include safe deposit boxes, direct deposit of payroll and social security checks, online banking, bill pay, online account opening, mobile deposit, mobile banking, debit cards, e-statements, and ATM services; title insurance and other financial institution-related products and services; and treasury and corporate cash management services. It operates through 69 branches in Virginia and North Carolina. Carter Bankshares, Inc. was founded in 1974 and is headquartered in Martinsville, Virginia.
- CEO
- Litz H. Van Dyke
- Employees
- 680
- Beta
- 0.55
Disclaimer: Information on this page is provided for educational purposes only and does not constitute investment advice. Upside computed as ($15.89 ÷ $25.88) − 1 = -38.6% (DCF, example).