CARE

Carter Bankshares, Inc.

Financial Services · $662M market cap

Verdict

Share price

$30.75

close of Oct 3, 2026

Fair value

$16.74

Sticker Price

Payback Price

$6.70

buy price

Overpriced

CARE is Overpriced: at $30.75 it trades 84% above its fair value of $16.74. Its buy price (Payback Price) is $6.70, 78% below today's price. Business quality is limited: none of the 5 key numbers clears the 10% bar.

How we valued it

Justified P/B (Financials). A bank or insurer. These are best valued on their book value and how much they earn on it.

Business quality

0 of 5 clear the 10% bar. What are the Big Five?

Earnings per share growth3.2% a year✗
Equity per share growth2.3% a year✗
Sales growth1.8% a year✗
Free cash flow growth3.3% a year✗
Return on invested capital4.2%✗

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Insider activity

Since Jun 30, 2026: no open-market purchases, 3 sales worth $169K and 8 other filings (stock awards, tax withholding and similar). Why purchases matter

Sales

Other filings

About Carter Bankshares, Inc.

Carter Bankshares, Inc. functions as the parent company for Carter Bank & Trust, delivering a comprehensive suite of banking solutions. It provides a variety of deposit accounts, including checking, savings, retirement, money market, and longer-term certificates of deposit. The institution also offers diverse loan products, such as secured and unsecured commercial loans, alongside consumer loans for purposes like…

Banks - Regional

Fair value and Payback Price are estimates from the company's reported financials, not investment advice. Prices as of the close of Oct 3, 2026. How the Payback Price works