Carter Bank & Trust

NSQ:CARE · US1461031064

BanksSmall

360

Value63

Profit price100

Cash yield51

Sales & asset price56

Price/Sales39

EV / Gross Profit89

Price/Book41

Quality25

Returns on capital100

Profit margins—

Cash backing91

Cash Conversion96

Accruals83

Owner Earnings Margin94

Growth96

Sales growth97

Profit growth67

Profit Growth33

Owner Earnings Growth100

Reinvestment18

Price momentum100

Safety58

Debt load70

Debt serviceability9

Liquidity95

Sentiment26

Analyst ratings39

Expectations trend11

Opinion Changes14

Price Target Upside8

Market mood63

Value Creation20/20strong value creator

Creates more value than its capital costs
Owner earnings growing
Owner earnings per share growing
Reinvests at strong returns
Solid earnings base

What this means

Carter Bank & Trust generates returns well above its cost of capital, the foundation of durable shareholder value.

Based on 3/5 components.

Profile

CountryUSA

IndustryBanks

SizeSmall

TypePublic Company

ExchangeNASDAQGS

Founded2020

Employees349

Websiteinvestors.carterbank.com

ISINUS1461031064

Last UpdateApr 2, 2026

Indices

NASDAQ (USA)

Description

Carter Bankshares, Inc. operates as the bank holding company for Carter Bank & Trust that provides a full range of financial services with retail and commercial banking products and insurance. The company’s market coverage is primarily in Virginia,…

Analysis

Weak and unloved

Carter Bankshares, Inc. scores below average on quality and is priced accordingly, a low-conviction position in either direction.

On valuation, the picture is attractive. The owner-earnings multiple stands at 6.0×; owner earnings: the cash an owner could take out each year.

Growth is solid and accelerating; the safety picture is adequate. The company scores 20/20 on our value-creation score: strong value creator. Analyst sentiment is cautious.

No flags apply to this company at this time: accounts, balance sheet, and cash quality all pass. A clean bill of health is meaningful, not just the absence of a warning. This analysis describes numbers; it is not investment advice.

360° rank · history

1007550250

2026

All-time high

Mar 2026

All-time low

Jun 2026

Average rank

across all years

Detailed & Historical Ranks

Deep dive into 15 detailed ranks and 3 years of history.

Current202520242023

Price/Sales

—

Price/Earnings

—

Price/Book

—

Dividend Yield

—

Value (overall)

—

Cells are coloured by rank band (red weak → green strong). Sentiment & 360° history begins 2023.

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Make Sense of the Ranks

Every rank runs 1–100 against true peers. Higher is always better.

360° View

1 · Watch OutGood· 100

Value

1 · ExpensiveGood Value· 100

Quality

1 · Weak FundamentalsHigh Quality· 100

Growth

1 · Tough TimesHigh Growth· 100

Safety

1 · High LeverageWell-Financed· 100

Sentiment

1 · SkepticismPositive· 100

Learn More →