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Upturn AI Summary - About
Carter Bank and Trust(CARE)
Advisory History & Simulated Performance *
*as per simulation (see disclosures)- ALL
- 1Y
- 1M
- 1W
- BUY Advisory
- SELL Advisory (Profit)
- SELL Advisory (Loss)
- Profit
- Loss
- PASS (Skip)
Stock price based on last close Advisory Performance History (Simulated)
Upturn Advisory & Investor View for CARE
10/29/2026: CARE (2-star) is currently NOT-A-BUY. Pass it for now.
Carter Bank and Trust is a regional community bank serving Virginia and North Carolina, operating primarily through a traditional commercial and retail banking model. The company's strengths include a stable deposit base and deep-rooted local relationships that support consistent lending. Its primary growth story revolves around operational efficiency improvements and potential digital banking enhancements. However, the bank faces risks from geographic concentration, interest rate sensitivity, and intense competition from larger financial institutions. The stock is generally well-suited for value and dividend-focused investors seeking exposure to regional banking, provided they monitor interest rate trends and credit quality in the commercial real estate portfolio.
How to Read the Upturn Advisory
The Upturn Star Rating and the current BUY, SELL, or PASS advisory are generated by Upturn’s AI advisory engine based on proprietary signal analysis, price behavior, advisory history, and historical signal performance.
Company fundamentals, valuation, risks, and news provide supporting context about the business.
Investor Fit
| Investor style | Fit | Why |
|---|---|---|
| Growth investor | Weak fit | The bank operates in a mature industry with low double-digit growth prospects. |
| Momentum investor | Mixed fit | Strong fit only if there is a sustained breakout in banking sector performance. |
| Value investor | Strong fit | The stock often trades at valuations consistent with its regional bank peer group. |
| Dividend investor | Strong fit | The company maintains a reliable dividend policy suitable for income-focused portfolios. |
| Low-risk investor | Mixed fit | While established, regional banking risks such as credit cycles and rate sensitivity exist. |
Risk Profile
| Risk factor | Level | Why it matters |
|---|---|---|
| Price volatility | Medium | The stock is subject to broader market and banking sector sentiment swings. |
| Valuation risk | Low | Shares typically trade in line with regional bank multiples, limiting extreme valuation risk. |
| Competition risk (Regional/National Banking) | High | Intense competition from larger banks with lower cost-to-serve models puts pressure on margins. |
| Business quality | Medium | The franchise has a stable but geographically constrained quality profile. |
| Dividend income | Medium | Dividends are dependent on sustained earnings in a potentially volatile interest rate environment. |
| Execution risk | Medium | Successful growth depends on consistent loan underwriting and operational cost control. |
Price Behavior
Rolling Over
The price momentum is slowing down and beginning to turn downward.
Smooth
The stock has moved along a generally orderly path with only modest fluctuations.
Analysis of Past Performance
Type Stock | Historic Profit 49.2% | Avg. Invested days 54 | Today’s Advisory PASS |
Upturn Advisory Rating  | Upturn Advisory Performance  4.0 | Stock Returns Performance  3.0 |
| Profits based on simulation | Last Close 10/29/2026 |
Upturn Scorecard
Upturn Star Rating 
Company Fundamentals
Financial Health Rating
Growth Momentum Score
Ownership
Top 5 Institutional Investors
Unit Economics (Per $1K Revenue)
Economic Dimensions
Quantitative Style Profile
Style Classification
Quality Focused
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 700.01M USD | Price to earnings Ratio 5.23 | 1Y Target Price 35.08 |
Price to earnings Ratio 5.23 | 1Y Target Price 35.08 | ||
Volume (30-day avg) 212.1K shares | Beta 0.59 | 52 Weeks Range 16.67 - 35.95 | Updated Date 10/28/2026 |
52 Weeks Range 16.67 - 35.95 | Updated Date 10/28/2026 | ||
Dividends yield (FY) 0.33% | Basic EPS (TTM) 5.78 |
How Company Makes Money
| Business area | What it includes | Retail investor read |
|---|---|---|
| Net Interest Income | Interest earned on commercial and retail loans minus interest paid on deposits. | This is the primary way the bank makes money; it thrives when the gap between loan interest and deposit interest is wide. |
| Fee-Based Services | Service charges, deposit fees, and wealth management advisory fees. | Secondary income that provides diversification beyond interest rate dependence. |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date 2026-10-29 | When Before Market | Estimate 0.54 | Actual 0.35 |
Profitability
Profit Margin 44.92% | Operating Margin (TTM) 55.04% |
Management Effectiveness
Return on Assets (TTM) 2.68% | Return on Equity (TTM) 27.22% |
Valuation
Trailing PE 5.23 | Forward PE 13.66 | Enterprise Value 461.72M | Price to Sales(TTM) 2.45 |
Enterprise Value 461.72M | Price to Sales(TTM) 2.45 | ||
Enterprise Value to Revenue 3.28 | Enterprise Value to EBITDA - | Shares Outstanding 23.16M | Shares Floating 21.24M |
Shares Outstanding 23.16M | Shares Floating 21.24M | ||
Percent Insiders 2.28 | Percent Institutions 67.94 |
Financial Metrics
🧭 Investment Snapshot
Total Revenue (Scale)
Total money earned from selling products or services before any costs. It is needed to understand the scale of the business and its ability to generate income.
Net Income (Profit)
Final profit after all expenses, interest, and taxes are deducted. It is needed to determine the overall profitability available to shareholders.
Free Cash Flow (Cash Strength)
Cash remaining after operating activities and capital expenditures, showing cash available for growth. It is needed to evaluate the company’s ability to invest, pay dividends, or reduce debt.
📈 Growth & Strength
Operating Income (Core Profit)
Profit from core operations after deducting all operating expenses. It is needed to measure how efficiently the company runs its primary business activities.
EBITDA (Cash Earnings)
Earnings before interest, taxes, depreciation, and amortization, indicating operating cash potential. It is needed to compare operating performance across companies without accounting or financing differences.
Gross Profit (Unit Profitability)
Revenue minus cost of revenue, showing profit after direct production costs. It is needed to evaluate core business profitability before overhead expenses.
🛡️ Financial Safety
Cash (Liquidity Buffer)
Total cash and cash equivalents on hand. It is needed to evaluate immediate liquidity and financial flexibility.
Total Debt (Leverage Risk)
Total debt including both short-term and long-term components. It is needed to assess the company’s leverage and financial risk.
Net Working Capital (Short-Term Health)
Current assets minus current liabilities, indicating short-term liquidity strength. It is needed to assess whether the company can meet its short-term obligations.
🧱 Balance Sheet Strength
Stockholder Equity (Net Worth)
Total equity value held by shareholders. It is needed to understand the net worth of the company from the owners’ perspective.
Total Assets (Asset Base)
The full value of everything the company owns, including cash, inventory, equipment, and investments. It is needed to understand the resource base used to generate revenue.
Income Before Tax (Pre-Tax Earnings)
Income before provision for income taxes. It is needed to analyze profitability independent of tax structures.
⚙️ Cost & Drag Factors
Cost of Revenue (Production Cost)
Direct costs required to produce and deliver the products or services sold. It is needed to assess efficiency in production and service delivery.
Total Operating Expenses (Operating Cost)
Indirect costs of running the business such as salaries, marketing, and administration. It is needed to understand how much it costs to sustain ongoing business operations.
Income Tax Expense (Tax Drag)
Amount of taxes paid or payable to the government. It is needed to evaluate the impact of taxation on overall profitability.
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