Carter Bankshares, Inc.
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View price & chart on Yahoo Finance ↗Financials
SEC XBRL · annual| FY25 | FY24 | FY23 | FY22 | FY21 | FY20 | |
|---|---|---|---|---|---|---|
| Revenue | $20.3M | $19.4M | $17.3M | $18.3M | $17.5M | $18.0M |
| Operating income | — | — | — | — | — | — |
| Net income | $31.4M | $24.5M | $23.4M | $50.1M | $31.6M | $4.4M |
| Total assets | $4.85B | $4.66B | $4.51B | $4.20B | $4.13B | $4.18B |
| Total liabilities | $4.43B | $4.27B | $4.16B | $3.88B | $3.73B | $3.74B |
| Equity | $419.7M | $384.3M | $351.2M | $328.6M | $407.6M | $440.2M |
| EPS (diluted) | $1.38 | $1.06 | $1.00 | $2.03 | $1.19 | $0.17 |
| Shares out. | 23.1M | 23.0M | 23.9M | 25.4M | 26.4M | 26.4M |
Reported figures from the company's SEC filings (XBRL). Blank where a line item isn't cleanly tagged — never estimated.
Key ratios
from filings · FY2025- Operating margin
- —
- Net margin
- 154.4%
- Return on equity
- 7.5%
- Return on assets
- 0.6%
- Return on capital (ROCE)
- —
- Liabilities / assets
- 91.3%
- Debt / equity
- 10.56×
- Book value / share
- $18.14
- Revenue growth (YoY)
- 4.6%
- Net income growth (YoY)
- 27.9%
Computed from the company's own SEC figures — no market price, so these are facts, not a valuation. Book value per share is reported equity ÷ shares; it is not the stock price.
Financial health
forensic scores · FY2025- Accruals / assets
- −0.2%clean
- Piotroski F-Score
- 6/7mixed
Altman Z″is a textbook bankruptcy-distress score from book values only (>2.6 safe · 1.1–2.6 grey · <1.1 distress). Accruals = (net income − operating cash flow) ÷ assets; persistently high accruals are an earnings-quality red flag. Beneish M-Scoreis an eight-ratio screen comparing this year with last (M > −1.78 = elevated manipulation-risk screen, not proof). Piotroski F-Scorecounts how many of nine fundamental-health checks pass (shown as passed / applicable; we use operating margin and total liabilities as documented proxies where the exact input isn't XBRL-tagged). Computed from SEC filings — descriptive factors, not advice or a forecast.
Quality score
EDS ScoreOur own multi-factor score from free SEC data — profitability, growth, financial strength, earnings quality, and event/ownership catalysts. No market price and no licensed model: each axis is the share of source-backed checks it passes. Descriptive factors, not advice or a forecast. What these scores mean →
Signs
● 1 warning● 3 good- High leverage (liabilities > 70% of assets)
- Revenue is growing year-over-year
- Positive operating cash flow
- Clean earnings (low accruals)
Derived from the company's own SEC figures (fundamentals, forensic scores, filing discipline) — descriptive factors, not advice or a forecast.
Insider transactions
SEC Form 4 · most recent| Insider | Date | Type | Shares | Price |
|---|---|---|---|---|
| Davis Jane AnnOfficer — EVP, CHIEF ADMIN. OFFICER | May 21, 2026 | Tax withholding | 261 | $26.95 |
| Langs Bradford N.Officer — PRESIDENT, CHIEF STRATEGY OFCR | May 12, 2026 | Sell | 5,500 | $26.47 |
| Walsh Elizabeth L.Director | May 8, 2026 | Gift | 725 | $0.00 |
| Walsh Elizabeth L.Director | May 6, 2026 | Buy | 4,575 | $26.20 |
| Haskins James W.Director | May 5, 2026 | Sell | 1,000 | $26.04 |
| Davis Jane AnnOfficer — EVP, CHIEF ADMIN. OFFICER | Apr 27, 2026 | Grant | 1,850 | $0.00 |
| Adams Arthur LoranOfficer — EVP, DIRECTOR OF REG RISK MNGT | Apr 27, 2026 | Grant | 1,650 | $0.00 |
| Davis Jane AnnOfficer — EVP, CHIEF ADMIN. OFFICER | Apr 20, 2026 | Tax withholding | 296 | $24.24 |
| Van Dyke Litz HOfficer — CHIEF EXECUTIVE OFFICER | Mar 4, 2026 | Tax withholding | 819 | $20.98 |
| Langs Bradford N.Officer — PRESIDENT, CHIEF STRATEGY OFCR | Mar 4, 2026 | Tax withholding | 638 | $20.98 |
| Speare Matthew M.Officer — SEVP, CHIEF OPERATING OFFICER | Mar 4, 2026 | Tax withholding | 411 | $20.98 |
| Bell Wendy S.Officer — SENIOR EXECUTIVE VP, CFO | Mar 4, 2026 | Tax withholding | 435 | $20.98 |
Headline trade per Form 4 (officers, directors, 10%+ owners). Buy/sell read from the filing's structured data — blank where a field isn't cleanly tagged.
Short interest
FINRA · bi-monthly| Settlement | Shares short | Days to cover | Δ vs prior |
|---|---|---|---|
| May 15, 2026 | 1.1M | 3.6 | +14.3% |
| Apr 30, 2026 | 957,968 | 2.4 | +6.9% |
| Apr 15, 2026 | 896,430 | 2.8 | -11.8% |
| Mar 31, 2026 | 1.0M | 4.0 | -7.4% |
| Mar 13, 2026 | 1.1M | 6.1 | +3.4% |
Shares sold short as reported to FINRA. Days-to-cover = short shares ÷ average daily volume — higher means more potential squeeze pressure.
Material events
SEC Form 8-K · most recent- Regulation FD disclosureMay 29, 2026
- Shareholder voteMay 29, 2026
- Regulation FD disclosureMay 1, 2026
- Other material eventMay 1, 2026
- Other material eventApr 23, 2026
- Results of operationsApr 23, 2026
- Other material eventMar 26, 2026
- Other material eventFeb 2, 2026
Events the company reported on Form 8-K, labelled by the SEC item code it filed under — its own classification, not our interpretation.
Recent SEC filings
All filings ↗Event-driven situations (4)
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