CARE
Carter Bank and Trust
NASDAQ: CARE · FINANCIAL SERVICES · BANKS - REGIONAL
$25.60
+1.59% today
Updated 2026-04-30
Market cap
$534.28M
P/E ratio
4.95
P/S ratio
2.06x
EPS (TTM)
$4.87
Dividend yield
—
52W range
$15 – $25
Volume
0.3M
Carter Bank and Trust (CARE) Financial statements
SEC filings — annual and quarterly data.
Income statement — annual
| Item | 2006 | 2007 | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $21.49M | $157.22M | $150.89M | $158.11M | $165.78M | $164.60M | $168.15M | $158.22M | $159.12M | $164.57M | $146.66M | $144.33M | $157.89M | $168.38M | $163.77M | $156.38M | $179.15M | $211.82M | $239.67M | $254.63M |
| Revenue growth (YoY) | — | +631.5% | -4.0% | +4.8% | +4.9% | -0.7% | +2.2% | -5.9% | +0.6% | +3.4% | -10.9% | -1.6% | +9.4% | +6.6% | -2.7% | -4.5% | +14.6% | +18.2% | +13.1% | +6.2% |
| Cost of revenue | $21.49M | $157.22M | $150.89M | $158.11M | $68.73M | $58.45M | $58.90M | $55.49M | $48.33M | $51.10M | $64.10M | $80.31M | $54.98M | $50.18M | $53.83M | $24.80M | $23.18M | $80.51M | $102.23M | $97.57M |
| Gross profit | — | — | — | $85.63M | $97.06M | $106.14M | $109.25M | $102.73M | $110.79M | $113.48M | $82.56M | $64.02M | $102.91M | $118.21M | $109.94M | $131.58M | $155.97M | $131.31M | $137.45M | $157.06M |
| Gross margin | 0.0% | 0.0% | 0.0% | 54.2% | 58.5% | 64.5% | 65.0% | 64.9% | 69.6% | 69.0% | 56.3% | 44.4% | 65.2% | 70.2% | 67.1% | 84.1% | 87.1% | 62.0% | 57.3% | 61.7% |
| R&D | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — |
| SG&A | — | — | — | $47.08M | $45.54M | $43.49M | $42.45M | $41.64M | $40.07M | $44.11M | $47.51M | $53.93M | $56.91M | $58.62M | $54.70M | $56.31M | $54.41M | $60.76M | $64.11M | $75.36M |
| Operating income | $2.67M | $16.29M | $9.92M | $18.11M | $27.06M | $38.28M | $41.12M | $35.16M | $43.28M | $49.40M | $17.62M | $-18.21M | $14.31M | $27.78M | $-45.09M | $35.70M | $61.72M | $28.72M | $30.87M | $40.00M |
| Operating margin | 12.4% | 10.4% | 6.6% | 11.5% | 16.3% | 23.3% | 24.5% | 22.2% | 27.2% | 30.0% | 12.0% | -12.6% | 9.1% | 16.5% | -27.5% | 22.8% | 34.4% | 13.6% | 12.9% | 15.7% |
| EBITDA | $3.09M | $26.82M | $20.23M | $29.07M | $37.58M | $48.94M | $51.94M | $46.00M | $54.10M | $55.13M | $20.91M | $-15.06M | $17.99M | $33.12M | $-38.94M | $41.93M | $67.78M | $34.97M | $37.92M | $40.00M |
| EBITDA margin | 14.4% | 17.1% | 13.4% | 18.4% | 22.7% | 29.7% | 30.9% | 29.1% | 34.0% | 33.5% | 14.3% | -10.4% | 11.4% | 19.7% | -23.8% | 26.8% | 37.8% | 16.5% | 15.8% | 15.7% |
| EBIT | $2.67M | $16.29M | $9.92M | $18.11M | $27.06M | $38.28M | $41.19M | $35.16M | $43.28M | $49.40M | $17.62M | $-18.21M | $14.31M | $27.78M | $-45.09M | $35.70M | $61.72M | $28.72M | $30.87M | — |
| Interest expense | — | — | $16000.00 | $42000.00 | $67.23M | $56.65M | $56.50M | $52.79M | $45.33M | $47.80M | $46.38M | $37.11M | $38.11M | $46.77M | $35.83M | $22.71M | $20.25M | $74.11M | $107.27M | $101.40M |
| Income tax | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — |
| Effective tax rate | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% |
| Net income | $1.89M | $13.17M | $9.71M | $17.77M | $22.78M | $30.09M | $30.35M | $26.08M | $33.46M | $39.16M | $15.98M | $-681000.00 | $11.90M | $26.57M | $-45.86M | $31.59M | $50.12M | $23.38M | $24.52M | $31.36M |
| Net income growth (YoY) | — | +596.4% | -26.3% | +83.1% | +28.2% | +32.1% | +0.8% | -14.1% | +28.3% | +17.0% | -59.2% | -104.3% | +1848.2% | +123.2% | -272.6% | +168.9% | +58.7% | -53.3% | +4.9% | +27.9% |
| Profit margin | 8.8% | 8.4% | 6.4% | 11.2% | 13.7% | 18.3% | 18.0% | 16.5% | 21.0% | 23.8% | 10.9% | -0.5% | 7.5% | 15.8% | -28.0% | 20.2% | 28.0% | 11.0% | 10.2% | 12.3% |