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Carter Bankshares, Inc. key statistics and ratios

In fiscal 2025, Carter Bankshares, Inc. had return on equity of 7.8% and a net margin of 20.5%. Each ratio below is calculated from the figures on its income statement, balance sheet and cash flow pages.

Financial ratios

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

Fiscal year2019Dec 20192020Dec 20202021Dec 20212022Dec 20222023Dec 20232024Dec 20242025Dec 2025LTMJun 2026
Net margin20.6%−34.8%22.6%31.0%16.6%18.1%20.5%50.5%
Return on equity5.6%−10.0%7.5%13.6%6.9%6.7%7.8%26.8%
Return on assets—−1.1%0.8%1.2%0.5%0.5%0.7%2.7%
Effective tax rate4.4%—11.5%18.8%18.6%20.6%21.6%22.3%
Dividends ÷ net income0.0%—0.0%0.0%————

Returns use average equity or assets over the year. Return on equity is left blank when equity is negative or so small that the ratio says nothing (above ±200%); interest cover is left blank above 200 times. Price-based ratios such as P/E are on the valuation page.

Moat

53 /100

Moderate moat

How hard Carter Bankshares's competitive advantage looks for rivals to wear away, judged from 7 years of its own filings: returns on capital, pricing power, profit durability, cash conversion and discipline.

  • Returns on capital 8 / 20

    Net income has been a median 0.8% of total assets over 6 years.

  • Durability 7 / 20

    Net margin has been a median 21.9%; its worst year was -29.6%.

  • Discipline 20 / 20

    The diluted share count fell 16.7% over five years; stock-based pay has been a median 0.9% of revenue.

AI disruption exposure: Medium. In this industry, AI could change how the product is made or sold, without replacing the core asset. The score above includes a 5-point deduction for that exposure (58 before it).

A rules-based reading of reported figures, not a forecast and not investment advice. How the score is built: methodology.

Compare with peers

Head to head: CARE vs FISICARE vs CBNKCARE vs CCBG

More: Regional Banks stocks compared, Financials sector, rankings of US companies

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.