CARE
Carter Bankshares, Inc.
NasdaqGSUSDEQUITY
Financial Services
DELAYED
Last price
31.25
▲ 0.10 (0.32%)
MARKET · —
Price
Chart style
Interval
Intraday intervals only cover recent history. The site picks the finest interval the range allows.
Overlays
Session levels
Lower pane
Tool
Drag pan · Pinch zoom · Hold crosshair · pick a tool then drag to draw
Open
31.50
Prev close
31.15
Day high
31.53
Day low
30.78
Volume
424.67K
Market cap
$723.87M
P/E (TTM)
5.39
52W range
16.78 – 36.06
Day trading desk
Gap from prior close
+1.12%
Prior close 31.15
VWAP
31.12
+0.43% from price
Relative volume
0.75×
Normal
Session range
2.45%
30.77 – 31.53
Position in range
63%
Mid range
ATR (14D)
0.99
3.15% of price
Prior day high
31.15
PDH
Prior day low
30.41
PDL
Bid / ask spread
—
Quote not published
Session volume
304.90K
Avg 405.82K
VWAP and the session figures are computed from the delayed intraday series on this page, so they lag the live tape and will not match a broker's real-time VWAP exactly. Turn on Prior day H/L/C, Opening range and Volume profile in the chart's Studies menu to see these levels drawn on price.
Trailing performance
Returnvs SPY
1W
-4.38%
-3.0%
1M
-7.82%
-11.5%
3M
+15.96%
+12.9%
6M
+42.69%
+31.6%
YTD
+58.95%
+46.7%
1Y
+67.74%
+47.7%
3Y
+119.30%
+45.1%
5Y
—
—
Price return only. Dividends are not reinvested, so total return on a dividend payer will be higher than shown.
Unusual options activity
Nothing crossed the thresholds in the expiries we scanned.
That is the normal state — most contracts trade well inside their existing open interest.
That is the normal state — most contracts trade well inside their existing open interest.
Contracts trading at or above their open interest, ranked by notional and where the print landed.
Free account
5 more panels on CARE open with an account.
Options chains and analytics, valuation ratios, insider filings, analyst targets and ownership. No card, no trial, nothing to cancel.
Insider net activity
Net shares
+81.15K
Net buying
Buy transactions
19
91.65K shares
Sell transactions
4
10.50K shares
Net transactions
+23
Buys less sells
Sell : buy shares
0.1 : 1
Mixed
Insider-held shares
506.00K
Total on file
Insider transactions
| Date | Insider | Action | Shares | Value | Held |
|---|---|---|---|---|---|
| Aug 4, 26 | FELDMANN GREGORY W Director |
STOCK | 280 | $9.85K | Direct |
| Jul 30, 26 | BOLTON ROBERT M Director |
SELL | 1.50K | $51.90K | Indirect |
| Jul 30, 26 | LANGS BRADFORD N Officer |
SELL | 2.50K | $86.34K | Direct |
| Jun 30, 26 | ADAMS ARTHUR LORAN Officer |
STOCK | 3.24K | $0 | Direct |
| Jun 30, 26 | VAN DYKE LITZ H Chief Executive Officer |
STOCK | 12.30K | $0 | Direct |
| Jun 30, 26 | KALLSEN TONY E. Officer |
STOCK | 5.47K | $0 | Direct |
| Jun 30, 26 | SPEARE MATTHEW M Chief Operating Officer |
STOCK | 5.00K | $0 | Direct |
| Jun 30, 26 | LANGS BRADFORD N President |
STOCK | 8.65K | $0 | Direct |
| Jun 30, 26 | BELL WENDY S Chief Financial Officer |
STOCK | 6.43K | $0 | Direct |
| Jun 30, 26 | DAVIS JANE ANN Officer |
STOCK | 3.60K | $0 | Direct |
| May 12, 26 | LANGS BRADFORD N President |
SELL | 5.50K | $145.56K | Direct |
| May 8, 26 | WALSH ELIZABETH L Director |
STOCK | 725 | $0 | Direct |
| May 6, 26 | WALSH ELIZABETH L Director |
BUY | 4.58K | $119.86K | Direct |
| May 5, 26 | HASKINS JAMES W Director |
SELL | 1.00K | $26.04K | Direct |
What this is, and what it is not
These are SEC Form 4 filings — officers, directors and 10% owners reporting their own trades in the company's stock. Filing is due within two business days of the transaction, so this lags reality by days, and the provider adds its own lag on top.
A sale is not automatically bearish. Executives sell on scheduled 10b5-1 plans, to cover tax on vesting equity, and to diversify. Purchases with cash are generally the more informative signal, and they are far rarer.
This does not include congressional or senate trading. That comes from STOCK Act disclosures filed with the Senate eFD system and the House Clerk, which this data source does not carry.
Officer and director trades in their own stock, straight from Form 4 filings.
Insider holders
| Name | Relation | Shares held | Latest |
|---|---|---|---|
BELL WENDY S |
Chief Financial Officer | 46.65K | Stock Award(Grant) |
BOLTON ROBERT M |
Director | — | Sale |
HASKINS JAMES W |
Director | 64.45K | Sale |
KALLSEN TONY E. |
Officer | 26.09K | Stock Award(Grant) |
KARAVATAKIS PHYLLIS Q. |
Director | 21.70K | Stock Award(Grant) |
LANGS BRADFORD N |
Officer | 33.24K | Sale |
LUTZ JACOB A. III |
Director | 19.69K | Stock Award(Grant) |
SPEARE MATTHEW M |
Chief Operating Officer | 31.80K | Stock Award(Grant) |
VAN DYKE LITZ H |
Chief Executive Officer | 79.77K | Stock Award(Grant) |
WALSH ELIZABETH L |
Director | 446.57K | Stock Gift |
Fundamentals
Market cap$723.87M
Enterprise value$484.55M
Revenue (TTM)$286.21M
Gross profit$286.21M
EBITDA—
Net income$126.88M
EPS (TTM)$5.80
Free cash flow—
Total cash$219.47M
Total debt$11.39M
Book value / share$24.33
Shares outstanding23.16M
Float21.23M
Short % of float9.12%
Dividend yield1.28%
Beta (5Y)0.52
Valuation & profitability ratios
Trailing P/E5.39
Forward P/E12.14
PEG ratio—
Price / sales—
Price / book1.28
EV / revenue1.69
EV / EBITDA—
Gross margin0.00%
Operating margin55.04%
Profit margin44.92%
Return on equity27.22%
Return on assets2.68%
Debt / equity—
Current ratio—
Fourteen ratios including P/E, PEG, EV/EBITDA, margins and return on equity.
Financial statements
| Line item | 2025 | 2024 | 2023 | 2022 | YoY |
|---|---|---|---|---|---|
| Total revenue | $149.03M | $132.40M | $137.71M | $158.90M | +12.6% |
| Operating revenue | $149.03M | $132.40M | $137.71M | $158.90M | +12.6% |
| Selling, general & admin | $66.76M | $66.65M | $62.45M | $55.85M | +0.2% |
| Pre-tax income | $40.00M | $30.87M | $28.72M | $61.72M | +29.6% |
| Tax provision | $8.64M | $6.35M | $5.34M | $11.60M | +36.1% |
| Net income | $31.36M | $24.52M | $23.38M | $50.12M | +27.9% |
| Net income to common | $31.36M | $24.52M | $23.38M | $50.12M | +27.9% |
| Basic EPS | 1.38 | 1.06 | 1.00 | 2.03 | +30.2% |
| Diluted EPS | 1.38 | 1.06 | 1.00 | 2.03 | +30.2% |
| Basic shares | 22.46M | 23.24M | 23.24M | 24.60M | -3.4% |
| Diluted shares | 22.46M | 23.24M | 23.24M | 24.60M | -3.4% |
| Line item | 2025 | 2024 | 2023 | 2022 | YoY |
|---|---|---|---|---|---|
| Cash & equivalents | $105.16M | $131.17M | $54.53M | $46.87M | -19.8% |
| Property, plant & equipment | $72.50M | $74.33M | $73.71M | $72.11M | -2.5% |
| Goodwill & intangibles | $2.13M | $0 | — | — | — |
| Total assets | $4.85B | $4.66B | $4.51B | $4.20B | +4.1% |
| Long-term debt | $178.50M | $70.00M | $393.40M | $180.55M | +155.0% |
| Total debt | $178.50M | $70.00M | $393.40M | $180.55M | +155.0% |
| Total liabilities | $4.43B | $4.27B | $4.16B | $3.88B | +3.7% |
| Retained earnings | $364.97M | $333.61M | $309.08M | $285.59M | +9.4% |
| Shareholder equity | $419.70M | $384.31M | $351.24M | $328.63M | +9.2% |
| Net tangible assets | $417.56M | $384.31M | $351.24M | $328.63M | +8.7% |
| Shares issued | 22.08M | 23.07M | 22.96M | 23.96M | -4.3% |
| Line item | 2025 | 2024 | 2023 | 2022 | 2021 | YoY |
|---|---|---|---|---|---|---|
| Net income | $31.36M | $24.52M | $23.38M | $50.12M | — | +27.9% |
| Depreciation & amortisation | $7.86M | $7.05M | $6.25M | $6.06M | — | +11.4% |
| Stock-based compensation | $2.07M | $1.75M | $1.56M | $1.31M | — | +18.2% |
| Change in working capital | -$1.98M | $1.83M | -$1.43M | -$722.00K | — | -208.4% |
| Operating cash flow | $39.86M | $36.94M | $46.73M | $70.79M | — | +7.9% |
| Capital expenditure | -$8.05M | -$8.13M | -$9.80M | -$5.89M | — | +1.0% |
| Investing cash flow | -$155.91M | -$68.40M | -$307.01M | -$382.07M | — | -127.9% |
| Share buybacks | -$20.00M | $0 | -$16.42M | -$42.93M | — | — |
| Dividends paid | — | — | — | $0 | $0 | — |
| Financing cash flow | $90.04M | $108.11M | $267.94M | $80.35M | — | -16.7% |
| Free cash flow | $31.81M | $28.80M | $36.93M | $64.90M | — | +10.4% |
| End cash position | $105.16M | $131.17M | $54.53M | $46.87M | — | -19.8% |
| Line item | 2026-06-30 | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 | YoY |
|---|---|---|---|---|---|---|
| Total revenue | $31.66M | $105.91M | $38.58M | $38.13M | $36.28M | -70.1% |
| Operating revenue | $31.66M | $105.91M | $38.58M | $38.13M | $36.28M | -70.1% |
| Selling, general & admin | $14.63M | $17.35M | $18.39M | $16.14M | $16.23M | -15.7% |
| Pre-tax income | $37.24M | $110.03M | $11.08M | $7.15M | $10.63M | -66.2% |
| Tax provision | $8.33M | $24.27M | $2.60M | $1.74M | $2.12M | -65.7% |
| Net income | $28.91M | $85.76M | $8.48M | $5.42M | $8.51M | -66.3% |
| Net income to common | $28.51M | $84.69M | $8.74M | $5.35M | $8.41M | -66.3% |
| Basic EPS | 1.31 | 3.88 | 0.38 | 0.24 | 0.37 | -66.2% |
| Diluted EPS | 1.31 | 3.88 | 0.38 | 0.24 | 0.37 | -66.2% |
| Basic shares | 21.84M | 21.85M | 21.86M | 22.29M | 22.81M | -0.0% |
| Diluted shares | 21.84M | 21.85M | 21.86M | 22.29M | 22.81M | -0.0% |
| Line item | 2026-06-30 | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 | 2025-03-31 | YoY |
|---|---|---|---|---|---|---|---|
| Cash & equivalents | $276.54M | $228.32M | $105.16M | $106.95M | $99.91M | — | +21.1% |
| Property, plant & equipment | $69.82M | $70.97M | $72.50M | $71.65M | $72.11M | — | -1.6% |
| Goodwill & intangibles | $2.00M | $2.07M | $2.13M | $2.20M | $2.27M | — | -3.0% |
| Total assets | $4.80B | $4.80B | $4.85B | $4.84B | $4.78B | — | +0.1% |
| Long-term debt | — | — | $178.50M | $175.50M | $113.50M | $55.00M | — |
| Total debt | — | — | $178.50M | $175.50M | $113.50M | $55.00M | — |
| Total liabilities | $4.26B | $4.29B | $4.43B | $4.43B | $4.38B | — | -0.7% |
| Retained earnings | $477.42M | $450.73M | $364.97M | $356.49M | $351.07M | — | +5.9% |
| Shareholder equity | $539.15M | $504.90M | $419.70M | $412.84M | $405.63M | — | +6.8% |
| Net tangible assets | $537.14M | $502.83M | $417.56M | $410.64M | $403.37M | — | +6.8% |
| Shares issued | 22.16M | 22.16M | 22.08M | 22.41M | 22.67M | — | +0.0% |
| Line item | 2026-06-30 | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 | 2024-12-31 | YoY |
|---|---|---|---|---|---|---|---|
| Net income | $28.91M | $85.76M | $8.48M | $5.42M | $8.51M | — | -66.3% |
| Depreciation & amortisation | $2.15M | $2.13M | $2.04M | $1.97M | $1.94M | — | +0.9% |
| Stock-based compensation | $616.00K | $519.00K | $522.00K | $539.00K | $529.00K | — | +18.7% |
| Change in working capital | $7.23M | $18.28M | $1.04M | $657.00K | -$252.00K | — | -60.4% |
| Operating cash flow | -$260.55M | $303.92M | $12.07M | $11.81M | $9.60M | — | -185.7% |
| Capital expenditure | -$2.35M | -$1.54M | -$3.08M | -$1.54M | -$1.92M | — | -52.8% |
| Investing cash flow | $351.55M | -$26.62M | -$11.44M | -$49.98M | -$13.44M | — | +1,420.6% |
| Share buybacks | — | — | -$5.96M | -$4.90M | — | $0 | — |
| Financing cash flow | -$42.79M | -$154.14M | -$2.42M | $45.20M | $14.75M | — | +72.2% |
| Free cash flow | -$262.89M | $302.38M | $9.00M | $10.28M | $7.68M | — | -186.9% |
| End cash position | $276.54M | $228.32M | $105.16M | $106.95M | $99.91M | — | +21.1% |
Options analytics
Put / call volume
0.32
Call-heavy session
Put / call open interest
0.05
Positioning, not flow
Max pain
20.00
-36.0% from spot
ATM implied vol
56.0%
Nearest strike to spot
Skew (10% OTM)
+21.7%
Puts bid over calls
Call volume
56
Contracts, this expiry
Put volume
18
Contracts, this expiry
Heaviest call OI
25.00
57 contracts
Heaviest put OI
22.50
4 contracts
Max pain is the strike at which the largest dollar value of open contracts expires worthless. It describes current positioning; it is not a forecast and it moves as open interest changes.
Put/call ratios, max pain, implied volatility skew and where open interest is concentrated.
Earnings
Reported vs expected · EPS
| Quarter | Est. | Actual | Surprise |
|---|---|---|---|
| Jun 2026 | 0.43 | 0.53 | +24.2% |
| Mar 2026 | 3.91 | 0.40 | -89.8% |
| Dec 2025 | 0.35 | 0.41 | +17.1% |
| Sep 2025 | 0.41 | 0.26 | -37.1% |
Forward consensus
| Period | EPS | Analysts | Revenue | Growth |
|---|---|---|---|---|
| Current quarter | 0.52 | 4 | $45.36M | +15.6% |
| Next quarter | 0.57 | 4 | $46.76M | +17.4% |
| Current year | 5.50 | 2 | $259.47M | +69.3% |
| Next year | 2.58 | 4 | $204.08M | -21.4% |
Analyst targets & ownership
Mean target$34.50
High target$35.00
Low target$34.00
Implied upside10.40%
Analyst count3
ConsensusNONE
Strong buy / Buy0 / 1
Hold3
Sell / Strong sell0 / 0
Held by insiders2.28%
Held by institutions66.84%
Institutions holding216
Price targets, consensus spread, insider and institutional ownership.
Moving averages & technicals
SMA 10
31.82
-1.81% from price
SMA 20
33.16
-5.77% from price
SMA 50
32.66
-4.33% from price
SMA 100
29.24
+6.89% from price
SMA 200
24.60
+27.04% from price
EMA 12
32.10
-2.66% from price
EMA 26
32.52
-3.92% from price
EMA 50
31.84
-1.85% from price
RSI (14)
39.8
Neutral
MACD (12,26,9)
-0.42
Hist -0.36
ATR (14)
0.99
3.15% of price
Realised vol 30D
28.1%
Annualised
Bollinger upper
36.16
20, 2σ
Bollinger lower
30.16
20, 2σ
50 / 200 cross
Golden
32.66 vs 24.60
Trend bias
Above 200
+27.04%
Options chain
Calls
| Strike | Last | Bid | Ask | Vol | OI | IV |
|---|---|---|---|---|---|---|
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
Puts
| Strike | Last | Bid | Ask | Vol | OI | IV |
|---|---|---|---|---|---|---|
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
Every listed expiry, both sides of the book, with volume, open interest and implied volatility.
Risk profile
Beta vs SPY
0.35
Less volatile than market
Correlation to SPY
0.17
Largely independent
Realised vol 30D
28.1%
Annualised
Market vol 1Y
12.9%
SPY, annualised
Max drawdown 1Y
-15.8%
Peak to trough
Max drawdown 5Y
-42.9%
Peak to trough
ATR 14
0.99
3.15% of price
Beta (reported)
0.52
5Y monthly, from filing
Short interest
Shares short
1.97M
Prior 1.92M
Change vs prior
+2.8%
Shorts adding
% of float
9.12%
Normal
% of shares out
8.90%
Against total outstanding
Days to cover
5.0
Crowded exit
Float
21.23M
Freely tradeable shares
Exchanges publish short interest twice a month with a settlement lag, so this is roughly two weeks behind. Days to cover divides shares short by average daily volume — it estimates how long covering would take, not whether it will happen.
Rating changes
| Date | Firm | Action | From | To |
|---|---|---|---|---|
| Jul 1, 26 | Raymond James | DOWNGRADE | Outperform | Market Perform |
| Jun 3, 26 | Hovde Group | DOWNGRADE | Outperform | Market Perform |
| May 15, 26 | Freedom Broker | DOWNGRADE | Buy | Hold |
| Feb 13, 26 | Freedom Broker | MAINTAINED | Buy | Buy |
| Dec 24, 25 | Freedom Broker | INITIATED | — | Buy |
| May 1, 23 | Raymond James | UPGRADE | Market Perform | Outperform |
| Oct 6, 22 | DA Davidson | DOWNGRADE | Buy | Neutral |
| Jul 7, 22 | Raymond James | UPGRADE | Market Perform | Outperform |
| Jan 21, 22 | Piper Sandler | INITIATED | — | Neutral |
| Jul 8, 21 | Raymond James | DOWNGRADE | Outperform | Market Perform |
| Mar 30, 21 | DA Davidson | UPGRADE | Neutral | Buy |
| Feb 3, 21 | Raymond James | MAINTAINED | — | Outperform |
Dividends & splits
Forward rate$0.40 / yr
Forward yield1.28%
5-year avg yield3.04%
Payout ratio1.72%
Ex-dividend dateAug 10, 2026
Next pay dateAug 24, 2026
Last split—
Split date—
SEC filings
Corporate Changes & Voting Matters
8-K · 2026-08-17
Offering Registrations
S-3D · 2026-08-11
Periodic Financial Reports
10-Q · 2026-08-06
Corporate Changes & Voting Matters
8-K · 2026-07-27
Corporate Changes & Voting Matters
8-K · 2026-07-23
Corporate Changes & Voting Matters
8-K · 2026-06-24
Corporate Changes & Voting Matters
8-K · 2026-05-29
Periodic Financial Reports
10-Q · 2026-05-07
Headlines
Carter Bankshares, Inc. Establishes Dividend Reinvestment and Stock Purchase Plan
ACCESS Newswire · 12d ago
Last Chance – 5 Dividend Stocks You Must Buy This Week to Get Paid in August
24/7 Wall St. · 18d ago
Carter Bankshares, Inc. (CARE) Q2 Earnings and Revenues Top Estimates
Zacks · 31d ago
Carter Bankshares, Inc. Declares Quarterly Dividend
ACCESS Newswire · 31d ago
Carter Bankshares, Inc. Announces Second Quarter 2026 Financial Results
ACCESS Newswire · 31d ago
Carter Bank Named Best Bank in Virginia by Forbes
ACCESS Newswire · 40d ago
Should Value Investors Buy Carter Bankshares (CARE) Stock?
Zacks · 80d ago
Carter Bank Opens First South Carolina Location in Greenville
ACCESS Newswire · 82d ago
PRIVATE STRATEGY · BY QUALIFICATION
The same data. A different seat.
The research you are reading is the input layer for a discretionary options program we run for a small number of qualified investors. Minimum $1,000,000.