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CACARE

Carter Bankshares, Inc.

$CARE·$756M·Banks - Regional·Financial Services
$34.54+1.4%YTD+72.9%1Y+90.0%
Mentions · last 7 days
2026-07-20: 0 posts2026-07-21: 1 posts2026-07-22: 3 posts2026-07-23: 5 posts2026-07-24: 1 posts2026-07-25: 0 posts2026-07-26: 2 posts12-68%
Price updated 8m ago·X counts updated 2d ago
CACARE
$CARECarter Bankshares, Inc.
$34.54+1.38%12 posts-68%
AI analysisFundamentalsVoices on X
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AI verdict & sentimentAI analysisGenerated by AI from underlying data

Today's AI verdict on what's driving $CARE, plus how loud the X conversation is and which way it's leaning.

AI analysis

TickerTalks’ read on the fundamentals and what’s driving the move.

Comeback attemptAcceleratingAI verdict · as of 2026-07-28

The move is getting stronger, with heavier trading behind it.

Carter Bankshares at $34 up 90% TTM on Q2 beat + Justice Family recovery — small community bank rerating at 94% of 52w range.

Carter Bankshares is a $756M community bank operating primarily in Virginia and North Carolina. Equity is +73% YTD and +90% TTM after Q2 topped estimates, tape at 94% of 52-week range — classic small-cap bank re-rating on operational recovery.

  • Q2 FY26 revenue was $90M (+46% YoY) with gross margin 75%, operating margin 41%, EPS $1.32 — meaningful acceleration for a small community bank; Q1 revenue was $130M with 108% YoY growth (partly a Justice Family non-accrual-loan recovery). Underlying operating leverage is real regardless of recovery timing.
  • Valuation is 5.8x trailing EPS and 5.3x FY26 EPS of $6.43 — cheap for a bank delivering 46% revenue growth and 41% operating margin, but FY27 consensus drops to $2.60 and FY28 to $3.22, framing FY26 as inflated by non-recurring recovery items rather than a durable earnings baseline.
  • Insider events are all A-Award (June 30 grants) — administrative, no open-market conviction; combined with 'Forbes Best Bank in Virginia' honoring and routine contrarian 'Fall Off A Cliff' coverage, the operating story is being carried by the Q2 beat and Justice resolution rather than insider signaling.
  • Structural: 21M share float ('low'), beta 0.51 (defensive), position at 94% of 52-week range and +47% above 200d MA — tape has rerated meaningfully and is priced for continued execution.

Oct 22 Q3 print is the pivotal event — underlying (ex-recovery) NIM trajectory, additional Justice Family portfolio commentary, and FY27 EPS-guide implications matter more than headline EPS. What would break the setup: NIM deceleration AND FY27 consensus of $2.60 not getting revised upward, since the +90% TTM move already prices continued operational improvement.

What to watch: Oct 22 Q3 print (underlying NIM trajectory, any additional Justice Family portfolio commentary, credit-quality metrics, FY27 EPS-guide implications), any additional M&A activity in the Virginia community-bank landscape, and whether the FY27 EPS consensus of $2.60 gets revised as management provides forward commentary.

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

sentiment missing

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What it does

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

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 bill pay, online account opening, and mobile deposit), debit cards, e-statements, and ATM access. The company further provides title insurance, various financial institution-related products, and treasury and corporate cash management services. Founded in 1974 and based in Martinsville, Virginia, Carter Bankshares, Inc. operates 69 branch locations spanning Virginia and North Carolina.

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

No material change from last week — Inter's super-app model captures LatAm's under-penetrated credit market while Lloyds and Citizens navigate a NIM cycle that peaks as central banks begin cutting.

Top industry ETF

$KRESPDR S&P Regional Banking ETF
+16.3%YTD
+22.0%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$1.44-9.0%
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 $0.52

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$257.8M$253.4M – $262.1M$6.43$6.39 – $6.451
FY27$201.6M$198.2M – $204.9M$2.61$2.55 – $2.661
FY28$180.0M$177.0M – $183.0M$3.22$3.15 – $3.291
FY29$162.5M$159.8M – $165.3M$3.09$3.02 – $3.161

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.1.0×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.94%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.+11.7%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.+46.8%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 today2.0% 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.β0.515-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

SellMay 12Bradford N. LangsPresident5.5K sh$146KBuyMay 6Elizabeth L. WalshDirector4.6K sh$120KSellMay 5James W. HaskinsDirector1.0K sh$26K
+ 31 other (16 awards · 12 inkinds · 3 gifts) in window

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  • Real-time open-market buys and sells from Form 4 filings
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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
8-KPress release / Reg FDJan 308-K — Item 7.01: Press release / Reg FD
+ 17 other (5 routine 8-Ks · 4 13Gs · 3 earnings 8-Ks · 2 proxys) in window

Recent news

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

Carter Bankshares, Inc. (CARE) Q2 Earnings and Revenues Top Estimateszacks.com·5d agoCarter Bankshares, Inc. Declares Quarterly Dividendaccessnewswire.com·6d agoCarter Bankshares, Inc. Announces Second Quarter 2026 Financial Resultsaccessnewswire.com·6d agoCarter Bank Named Best Bank in Virginia by Forbesaccessnewswire.com·15d agoTop 3 Financial Stocks That May Fall Off A Cliff In Q2benzinga.com·30d ago

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Voices on X · last 7 days

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