Carter Bankshares, Inc. (CARE) Stock Score, Valuation & Financial Research
Carter Bankshares, Inc. is in the Financial Services sector and Banks - Regional industry. It is reviewed using Wall Street Score's company-strength, valuation, growth and financial-health framework. The current Wall Street Score is 64/100.
Quick answer for CARE
Carter Bankshares, Inc. currently has a Wall Street Score of 64/100. The stored market price is $31.23. Its financial score is 45/100. Its valuation score is 100/100. The latest WSS change is -0.1 points. These figures are a research snapshot, not a buy or sell recommendation.
What Carter Bankshares, Inc. does
Carter Bankshares, Inc. functions as the parent company for Carter Bank & Trust, delivering a comprehensive suite of banking solutions. It provides a variety of deposit accounts, including checking, savings, retirement, money market, and longer-term certificates of deposit. The institution also offers diverse loan products, such as secured and unsecured commercial loans, alongside consumer loans for purposes like auto financing, home improvements, education, overdraft protection, and personal investments. Additionally, it originates and holds residential mortgages (both fixed and variable rate), real estate construction and acquisition loans, home equity lines of credit, and credit cards. Beyond lending and deposits, Carter Bank & Trust furnishes other banking conveniences including safe deposit boxes, direct deposit services, extensive online and mobile banking capabilities (featuring b
CARE financial snapshot
- Wall Street Score:
- 64/100
- Current price:
- $31.23
- Market capitalization:
- $692.1M
- Revenue:
- $348.5M
- Net income:
- $128.6M
- Free cash flow:
- $31.8M
- Cash:
- $41.1M
- Total debt:
- $178.5M
- EPS:
- 5.88
- P/E ratio:
- 5.3x
- Financial score:
- 45/100
- Valuation score:
- 100/100
- Revenue score:
- 63/100
What stands out
- Reported year-over-year revenue growth is +0.4%.
- Free cash flow is $31.8M, showing positive cash generation.
- The balance sheet shows $41.1M of cash versus $178.5M of total debt, so leverage deserves attention.
- The latest Wall Street Score change is -0.1 points: CARE decreased 0.1 points because some fundamentals weakened.
What the numbers mean
Its current valuation score is 100/100, which Wall Street Score classifies as strong within the model's valuation framework.
The financial score is 45/100. This is a starting point for reviewing liquidity, leverage and cash-flow strength rather than a stand-alone recommendation.
A strong company and an attractive stock price are not always the same thing. Revenue, earnings, free cash flow, debt, management quality, competitive advantage and valuation should be considered together. Wall Street Score organizes these inputs into a consistent research framework so investors can identify what deserves deeper review.
Data freshness: Financial data last refreshed 2026-09-09.
How to research CARE
Start by understanding how the company makes money. Then compare revenue and earnings trends, cash generation, debt, liquidity and valuation. Review the company's latest filings and earnings reports before acting on any score or model estimate.
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Data may change as company filings and market prices update. Educational research only; not a buy or sell recommendation.