Carter Bankshares, Inc.

Is Carter Bankshares, Inc. overvalued or undervalued?

As of October 17, 2025, Carter Bankshares, Inc. is considered undervalued with an attractive valuation grade, supported by favorable P/E, price-to-book, and EV to EBITDA ratios compared to peers, despite recent underperformance against the S&P 500.

As of 17 October 2025, the valuation grade for Carter Bankshares, Inc. moved from fair to attractive, indicating a positive shift in its valuation outlook. The company appears undervalued, supported by a P/E ratio of 14, a price-to-book value of 0.95, and an EV to EBITDA ratio of 9.46. In comparison to peers, Guaranty Bancshares, Inc. has a higher P/E ratio of 18.33, while Peoples Financial Services Corp. boasts a notably low EV to EBITDA of 10.84, suggesting that Carter Bankshares may offer better value at its current price.<BR><BR>Despite recent underperformance against the S&P 500, with a 1Y return of -2.71% compared to the index's 14.08%, the long-term outlook remains promising, as evidenced by a substantial 5Y return of 158.17%. This combination of attractive valuation ratios and a favorable peer comparison reinforces the conclusion that Carter Bankshares, Inc. is currently undervalued.

Is Carter Bankshares, Inc. technically bullish or bearish?

As of August 8, 2025, Carter Bankshares, Inc. shows a bullish technical trend with strong MACD and Bollinger Bands indicators, outperforming the S&P 500 over the past month and year-to-date, despite underperforming over the 1-year and 3-year periods.

As of 8 August 2025, the technical trend for Carter Bankshares, Inc. has changed from mildly bullish to bullish. The weekly and monthly MACD indicators are both bullish, and Bollinger Bands also reflect a bullish stance in both time frames. The daily moving averages are bullish as well. However, the KST is bullish weekly but mildly bearish monthly, and the OBV shows a mildly bearish weekly trend with no trend monthly. The Dow Theory indicates a mildly bullish monthly trend but no trend weekly.<BR><BR>In terms of performance, Carter Bankshares has outperformed the S&P 500 over the past month (9.81% vs. 2.33%) and year-to-date (14.55% vs. 12.22%), but underperformed over the 1-year (13.52% vs. 17.14%) and 3-year (18.67% vs. 70.41%) periods. Overall, the current technical stance is bullish, driven by strong MACD and Bollinger Bands indicators.

How big is Carter Bankshares, Inc.?

As of Jun 18, Carter Bankshares, Inc. has a market capitalization of 378.42 million and total assets of 4,659.19 million, with shareholder's funds at 384.31 million.

As of Jun 18, Carter Bankshares, Inc. has a market capitalization of 378.42 million, categorizing it as a Micro Cap company.<BR><BR>As of Jun 18, the sum of Net Profit for the latest four quarters is 27.39 million. The sum of Interest Earned for the same period is 223.68 million.<BR><BR>As of Dec 24, the reporting period shows Shareholder's Funds at 384.31 million and Total Assets at 4,659.19 million.

What does Carter Bankshares, Inc. do?

Carter Bankshares, Inc. is a state-chartered community bank offering various financial services, with a recent net sales of $56 million and a net profit of $9 million. It has a market cap of $378.42 million and key metrics include a P/E ratio of 14.00 and a return on equity of 6.82%.

Overview:<BR>Carter Bankshares, Inc. is a state-chartered community bank that provides a range of financial services in the regional banking industry.<BR><BR>Financial Snapshot:<BR>Most recent Net Sales: 56 Million (Quarterly Results - Mar 2025) <BR>Most recent Net Profit: 9 Million (Quarterly Results - Mar 2025) <BR>Market cap: USD 378.42 Million (Micro Cap)<BR><BR>Key Metrics:<BR>P/E: 14.00 <BR>Dividend Yield: 0.00% <BR>Debt Equity: 0.00 <BR>Return on Equity: 6.82% <BR>Price to Book: 0.94<BR><BR>Contact Details:<BR>Address: 4 East Commonwealth Boulevard, MARTINSVILLE VA : 24112-1920 <BR>Tel: 1 276 6561776 <BR>Website: http://carterbankandtrust.com

Should I buy, sell or hold Carter Bankshares, Inc.?

Who are in the management team of Carter Bankshares, Inc.?

As of March 2022, the management team of Carter Bankshares, Inc. includes Chairman James Haskins, CEO Litz Van Dyke, Vice Chairman Phyllis Karavatakis, Lead Independent Director Gregory Feldmann, and several Independent Directors: Michael Bird, Robert Conner, Chester Gallimore, and Charles Hall. They oversee the company's strategic direction and operations.

As of March 2022, the management team of Carter Bankshares, Inc. includes the following individuals:<BR><BR>- Mr. James Haskins, Chairman of the Board<BR>- Mr. Litz Van Dyke, Chief Executive Officer and Director<BR>- Ms. Phyllis Karavatakis, Vice Chairman of the Board and Senior Executive Vice President for Special Projects<BR>- Mr. Gregory Feldmann, Lead Independent Director<BR>- Mr. Michael Bird, Independent Director<BR>- Mr. Robert Conner, Independent Director<BR>- Mr. Chester Gallimore, Independent Director<BR>- Mr. Charles Hall, Independent Director<BR><BR>This team is responsible for overseeing the strategic direction and operations of the company.