CARE
Carter Bank and Trust
NASDAQ: CARE · FINANCIAL SERVICES · BANKS - REGIONAL
$26.17
+0.49% today
Updated 2026-06-05
Market cap
$631.11M
P/E ratio
5.83
P/S ratio
2.44x
EPS (TTM)
$4.87
Dividend yield
—
52W range
$16 – $29
Volume
0.3M
WallStSmart proprietary scores
76
out of 100
Grade: B+
Buy
Investment rating
9.3
Growth
A+3.8
Quality
D8.0
Profitability
A6.7
Valuation
B5/9
Piotroski F-Score
Moderate
-0.7
Altman Z-Score
Distress
—
Industry rank
—
View all highly rated stocks (75+) →202 stocks currently score above 75
Price targets
Analyst target
$28.50
+8.90%
12-Month target
$23.29
-11.00%
Intrinsic (DCF)
—
Margin of safety
—
1 Strong Buy2 Buy1 Hold0 Sell0 Strong Sell
Price chart
Stock snapshot
Strengths
+ Profit margin 41.80% — above average
+ ROE 21.42% — strong efficiency
+ Free cash flow $302.38M — positive
+ Revenue growth 260.00% QoQ
Risks
- Altman Z -0.68 — distress zone
Key financials
Revenue Net Income Free Cash Flow
| Metric | 2022 | 2023 | 2024 | 2025 | TTM |
|---|---|---|---|---|---|
| Revenue | $179.15M | $211.82M | $239.67M | $254.63M | $258.92M |
| Net income | $50.12M | $23.38M | $24.52M | $31.36M | $85.76M |
| EPS | — | — | — | — | $4.87 |
| Free cash flow | $64.90M | $36.93M | $28.80M | $31.81M | $302.38M |
| Profit margin | 27.98% | 11.04% | 10.23% | 12.32% | 41.80% |
Recent insider activity
| Date | Insider | Type | Shares | Price |
|---|---|---|---|---|
| 2026-05-12 | LANGS, BRADFORD N. | Sale | 5,500 | $26.47 |
| 2026-05-08 | WALSH, ELIZABETH L. | Sale | 725 | — |
| 2026-05-06 | WALSH, ELIZABETH L. | Buy | 4,575 | $26.20 |
Peer comparison
Smart narrative
Carter Bank and Trust trades at $26.17. representing a P/E of 5.83x trailing earnings. Our Smart Value Score of 76/100 indicates the stock is good. The company scores 5/9 on the Piotroski F-Score. With an Altman Z-Score of -0.68, it sits in the distress. TTM revenue stands at $258.92M. with profit margins at 41.80%.
Frequently asked questions
What is Carter Bank and Trust's stock price?
Carter Bank and Trust (CARE) trades at $26.17, on a P/E of 5.8x and a P/S of 2.4x. Those multiples show what the market is paying for each dollar of earnings and sales, which is the real starting point for judging whether the price is reasonable.
Is Carter Bank and Trust overvalued?
Carter Bank and Trust carries a Smart Value Score of 76/100 (Grade B+), which we rate Buy. That score blends growth, quality, and valuation into one read.
What is the price target of Carter Bank and Trust (CARE)?
The 12-month analyst consensus target is $28.50, about 8.9% above the current $26.17. A consensus target is the average of Wall Street's 12-month forecasts, so it works as a sentiment gauge rather than a guarantee, and it resets with every earnings cycle.
What is the future stock price of CARE by 2030?
Our research-backed model puts the 2030 base case at $29.90, built from revenue projections, a growth-adjusted P/S multiple, net debt, and share dilution. It is a scenario rather than a prediction, and the bull and bear cases around it matter more than the single number when you are sizing a position.
What is Carter Bank and Trust's revenue?
Carter Bank and Trust's trailing twelve-month revenue is $258.92M. Revenue scale anchors the valuation multiples and shows whether growth is reaching the top line, so it is best read alongside margin and growth trends to see if that revenue is getting more profitable over time.
Altman Z-Score?
Carter Bank and Trust's Altman Z-Score is -0.68, which places it in the distress. The Altman Z-Score gauges bankruptcy risk from profitability, leverage, and asset efficiency, and a higher reading points to lower financial distress risk.
Company info
SectorFINANCIAL SERVICES
IndustryBANKS - REGIONAL
CountryUSA
ExchangeNASDAQ
CurrencyUSD
Quick metrics
P/S ratio2.44x
ROE21.42%
Beta0.51
50D MA$25.11
200D MA$20.97
Shares out0.02B
Float0.02B
Short ratio—
Avg volume0.3M
Performance
1 week+0.00%
1 month+7.29%
3 months+43.60%
YTD+45.17%
1 year—
3 years—
5 years—