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TickerTalks›$CARE
CACARE

Carter Bankshares, Inc.

Strong FundamentalsStrong FundamentalsRevenue growing 46% YoY at strong marginsCoiling in a constructive baseQuiet on X (37 mentions/wk)
$CARE·$709M·Banks - Regional·Financial Services
$31.23-1.2%YTD+58.5%1Y+59.4%
Price updated 4m ago·X counts updated 1d ago
CACARE
$CARECarter Bankshares, Inc.
$31.23-1.17%37 posts0.4×
AI analysisFundamentalsVoices on X
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On X

Top X posts

The complete picture of $CARE on X — how loud the conversation is right now, how it has trended over the last two weeks, and which way the crowd is leaning.

37X posts · last 7 days
Aug 28Sep 10
Chatter Meter
0.4×
QuietNormal · 1×Loud

How loud $CARE's conversation on X is versus its own normal — 1× is typical, higher means busier. Right now it's quieter than usual.

Bullish sentimentAI analysisGenerated by AI from underlying data10 posts analyzed · as of 2026-09-08

Chatter is memecoin CARE with a 4H bounce showing a +215% candle from the lows. Community holds CARE alongside AST for the long run — 'love innovation, love utility, hate memes.'

Read what X is saying about $CARE

  • Bullish vs bearish call — with the AI summary of the day's posts
  • Divergence flag when the top-engagement posts argue the other side
  • How loud the conversation is versus this ticker's own normal
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AI verdictAI analysisGenerated by AI from underlying data

TickerTalks' own read on what's driving $CARE — fundamentals, momentum, or an event — and whether it agrees with the X crowd.

Proven numbersWinding up for a moveAI verdict · as of 2026-09-10

Trading in a tight range and building pressure — a move looks likely soon, but the direction isn't clear yet.

The X chatter is a memecoin; the actual Carter Bankshares is a Virginia community bank up 59% YTD with the Justice lawsuit dismissed and a new DRIP.

The X CARE chatter is a memecoin (CARE / AST / +215% 4H candle) — not the equity. The equity is Carter Bankshares, a Martinsville-VA community bank ($708M cap), up 59% YTD.

  • The overhang cleared on Aug 17: the multi-year Justice family lawsuit was dismissed with prejudice — no settlement paid, no admitted liability. That single event removes the largest known litigation risk for a small community-bank holding co.
  • Fundamentals are strong for a small bank: 5.8x PE, 27% ROE, 41% FCF yield, no debt-to-equity. Q2 revenue $90M (+46% YoY) and EPS $1.32 crushed the $0.41 estimate (219% beat), on top of Q1 EPS of $3.93 that beat by an outlier margin (rebound off a prior loan-loss cycle).
  • Structurally: 76% of 52-week range, +23% vs 200D MA, quiet volume. The Aug 11 DRIP filing (up to 1M shares) is a low-friction equity-raise mechanism — dilutive at the margin but signals management wants organic-growth capital.

Litigation cleared, earnings beat, dividend reinvestment mechanism in place — the technical setup is coiling near the highs with no insider activity in the file. Next Q3 print on Oct 22 is the tell.

What to watch: Oct 22 Q3 print — needs to sustain EPS run-rate after the Justice-lawsuit-cleared normalization; DRIP take-up rate and dilution profile; any insider activity (currently none), which would be the tell that management sees the earnings normalization as durable.

On the calendar: Q3 2026 earnings on 2026-10-22

ticker collision

Read the AI verdict on $CARE

  • One-line verdict on what's driving the move — fundamentals, momentum, both, or an event
  • Next dated catalyst when there is one (earnings, deal closing, activist clock)
  • Whether TickerTalks' read agrees with or diverges from the X crowd
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What it does

Plain-English summary of the business — what they sell and how they make money.

Virginia community bank holding company providing commercial and consumer banking through Carter Bank & Trust.

Industry overviewAI analysisGenerated by AI from underlying data

Where Banks - Regional sits in its cycle right now — and what that implies for $CARE.

Banks - Regional · Financial Services

Regional banks have stabilised after 2023 deposit-crisis concerns; NIM recovery is underway as funding costs peak and loan repricing continues. AI-powered commercial-lending underwriting and digital-banking features are differentiators for mid-size regional banks.

What this means for $CARE

Neutral — limited data.

Top industry ETF

$KRESPDR S&P Regional Banking ETF
+13.7%YTD
+13.7%1Y

Fundamentals & catalyst

Profitability, valuation, and the next earnings event — at a glance, with rule-of-thumb signals.

Key ratios

P/E
5.8How much investors are paying per dollar of profit the company actually earned in the last 12 months. Lower means the stock looks cheaper relative to earnings.~15–25 is typical for the S&P 500; high-growth names trade 30+; hyper-growth or speculative can be 100+ or negative.
ROIC
2.7%What percentage return the business earns on every dollar of capital (equity + debt) deployed in operations. The cleanest measure of business quality.Above ~15% is high-quality; consistently above 25% suggests a real moat. Below the company's cost of capital is value-destroying.
Op margin
47.5%Operating profit (after sales, marketing, R&D, and overhead but before interest and taxes) as a percentage of revenue. The clearest view of how well the underlying business is run.Mature business above 20% is healthy; software businesses can run 30%+; commodity / retail businesses operate in single digits.
FCF yield
43.6%Free cash flow (operating cash flow minus capex) divided by the company's market cap. The cash-on-cash return you'd get owning the whole business at today's price.Above ~5% is attractive; below ~2% means you're paying up for growth. Capital-light businesses (software) run higher than capital-heavy ones (utilities).
P/S
2.2Same idea as P/E but per dollar of revenue. Useful for companies that aren't profitable yet, where P/E is meaningless.Under ~2 is cheap; software / SaaS often runs 8–15; well above 20 implies the market is pricing in very high future growth.
ROE
27.4%Net income as a percentage of shareholders' equity. Similar to ROIC but counts only the equity side.Above 20% is strong, but can be inflated by leverage — a heavily indebted company can show high ROE with weak underlying ROIC.
Gross margin
81.9%Revenue minus the direct cost of producing what was sold, as a percentage of revenue. The first read on whether the product is structurally profitable.Software / SaaS is typically 70%+; consumer goods 30–50%; commodity / hardware businesses can be under 20%.
D/E
0.0Total debt divided by shareholders' equity. Measures how much the business runs on borrowed money versus owner capital.Under 1 is conservative; 1–2 is typical for mature businesses; over 2 is leveraged and more sensitive to interest rates.

Past earnings

QuarterReportedActualEstimateSurprise
Q2 2026Jul 23, 2026$1.31$0.41+219.5%
Q1 2026Apr 23, 2026$0.40$3.91-89.8%
Q4 2025Jan 29, 2026$0.41$0.33+24.2%
Q3 2025Oct 23, 2025$0.26$0.39-33.3%
Next earningsThu, Oct 22·consensus EPS $0.54

Quarterly trend

QuarterRevenueYoYGrossOpEPSFCF
Q2 FY26$90.2M+46.3%74.5%41.3%$1.32—
Q1 FY26$130.2M+110.2%108%84.5%$3.93$302.4M
Q4 FY25$64.5M+5.9%65.2%17.2%$0.39$9.0M
Q3 FY25$63.6M+4.0%54.9%11.3%$0.24$10.3M

Forward consensus

4-year forecast · up to 1 analysts
FYRevenueRangeEPSRangeAnalysts
FY26$328.9M$322.7M – $335.1M$6.04$5.90 – $6.191
FY27$304.4M$298.7M – $310.2M$2.49$2.46 – $2.511
FY28$552.8M$542.4M – $563.2M$2.46$2.40 – $2.521
FY29$614.4M$602.9M – $626.0M$2.76$2.69 – $2.831

Setup & momentum

Volume, range, and moving-average position — the technical setup driving short-term moves.

Right now

Vol vs 30dToday's traded share volume divided by the average over the prior 30 trading days. ≥3× signals unusual interest; below 1× is quiet.0.6×Today's traded share volume divided by the average over the prior 30 trading days. ≥3× signals unusual interest; below 1× is quiet.
52w rangeWhere the latest close sits between the 52-week low (0%) and high (100%). Above 80% is extended; below 30% is basing or in a downtrend.77%Where the latest close sits between the 52-week low (0%) and high (100%). Above 80% is extended; below 30% is basing or in a downtrend.
vs 50d MALatest close vs the 50-day simple moving average. Positive = short-term trend is up.-3.2%Latest close vs the 50-day simple moving average. Positive = short-term trend is up.
vs 200d MALatest close vs the 200-day simple moving average. Positive = long-term trend is up.+23.8%Latest close vs the 200-day simple moving average. Positive = long-term trend is up.

Float & profile

FloatLow float · 21.2M shFree-float shares — the slice of issued stock actually available to trade. Lower buckets squeeze harder on a catalyst.Traded today1.0% of floatToday's volume as a percent of the free float. Above 5% on a single day is unusually high turnover for the available share count.β0.505-year weekly beta vs the S&P 500. Above 1.5 means the stock typically moves more than the index; below 0.8 moves less.

Insider activity

Recent open-market buys and sells by officers and directors — flagged when multiple insiders cluster.

Recent transactions

SellJul 30Robert M. BoltonDirector1.5K sh$52KSellJul 30Bradford N. LangsPresident2.5K sh$86KSellMay 12Bradford N. LangsPresident5.5K sh$146KBuyMay 6Elizabeth L. WalshDirector4.6K sh$120KSellMay 5James W. HaskinsDirector1.0K sh$26K
+ 13 other (9 awards · 2 gifts · 2 inkinds) in window

See when $CARE insiders are putting their own money in

  • Real-time open-market buys and sells from Form 4 filings
  • Cluster-buy detection when multiple insiders pile in at once
  • 30 / 60 / 180-day windows so you can spot building conviction
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SEC filings

Material 8-K, 13D, S-3, and 424B5 events from the last 180 days — the filings that actually move the price.

Recent material filings

8-KPress release / Reg FDJul 278-K — Item 7.01: Press release / Reg FD
AI summary

Carter Bankshares, Inc. (Virginia; Martinsville, VA) filed an 8-K under Item 7.01 (Reg FD disclosure) on July 27, 2026, furnishing investor presentation materials. The body excerpt contains only the standard cover page. This is routine investor communication from the Virginia-based regional bank; the presentation content — likely tied to its earnings release — is in the attached exhibit.

8-KOfficer or director changeJun 248-K — Item 5.02: Officer or director change
AI summary

CARE filed an 8-K under Item 5.02 disclosing a personnel change: Departure of Directors or Certain Officers; Election of Directors; Appointment of Certain Officers; Compensatory Arrangements of Certain Officers. The filing also covers Item(s) 9.01. Personnel changes at the executive or board level are typically administrative but can signal strategic shifts depending on context.

8-KPress release / Reg FDMay 298-K — Item 7.01: Press release / Reg FD
AI summary

CARE filed an 8-K under Reg FD (Item 7.01), disclosing material information simultaneously to all investors. This is typically an investor presentation or press release furnished as an exhibit; the substantive data is in the attached exhibit.

8-KShareholder voteMay 298-K — Item 5.07: Shareholder vote
AI summary

CARE filed an 8-K under Item 5.07 reporting vote results from a stockholder meeting. Annual Meeting of Shareholders (the “Annual Meeting”).. This is a routine proxy results filing; investors should check for any failed proposals that could signal governance concerns.

8-KPress release / Reg FDMay 18-K — Item 7.01: Press release / Reg FD
+ 19 other (6 routine 8-Ks · 5 13Gs · 2 10-Qs · 2 earnings 8-Ks) in window

Recent news

Latest headlines from major outlets, sourced and timestamped — context for whatever just moved.

Carter Bankshares, Inc. Establishes Dividend Reinvestment and Stock Purchase Planaccessnewswire.com·31d agoLast Chance – 5 Dividend Stocks You Must Buy This Week to Get Paid in August247wallst.com·37d agoKIMBERLY-CLARK UNVEILS PROPRIETARY ALTERNATIVE NATURAL FIBER INNOVATION PROGRAM TO ADVANCE ITS "BETTER CARE FOR A BETTER WORLD" COMMITMENTprnewswire.com·40d agoCarter Bankshares, Inc. (CARE) Q2 Earnings and Revenues Top Estimateszacks.com·51d agoCarter Bankshares, Inc. Declares Quarterly Dividendaccessnewswire.com·51d ago

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TickerTalks is a research tool, not financial advice. We surface social-attention data; we do not make stock recommendations. Past attention is not predictive of future price movements.

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