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Carter Bankshares, Inc. cash flow statement

In fiscal 2025, Carter Bankshares, Inc.'s operations generated $39.9m of cash; it spent $8.1m on capital projects, leaving free cash flow of $31.8m. It returned $20.0m through buybacks.

Cash flow statement

US$ millions unless shown otherwise. Fiscal years, plus the last twelve months (LTM) when newer.

Fiscal year2019Dec 20192020Dec 20202021Dec 20212022Dec 20222023Dec 20232024Dec 20242025Dec 2025LTMJun 2026
Cash from operations388787147374067
Depreciation and amortisation56666788
Stock-based pay01112222
Capital spending8108610889
Free cash flow30−2696537293259
Free cash flow after stock pay29−3686435273057
Dividends paid0400————
Share buybacks0004316020—

Free cash flow is cash from operations minus capital spending. Free cash flow after stock pay also subtracts stock-based compensation, a real cost to shareholders that the cash flow statement adds back. Dividends, buybacks and shares issued are cash amounts for the period.

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Figures from Carter Bankshares, Inc.'s SEC filings (10-K and 10-Q), retrieved October 29, 2026. How we read and check them: methodology and data sources. Not investment advice. Back to Carter Bankshares, Inc.