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Upturn AI SWOT - About
CARE 
Carter Bank and Trust (CARE)
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Stock price based on last close (see disclosures)
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Upturn Advisory Summary
08/14/2025: CARE (1-star) is currently NOT-A-BUY. Pass it for now.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
Number of Analysts
3 Analysts rated it
Very few follow this stock; limited insights, higher-risk early investing.
1 Year Target Price $22.5
1 Year Target Price $22.5
| 2 | Strong Buy |
| 1 | Buy |
| 0 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 12.03% | Avg. Invested days 49 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  4.0 | Stock Returns Performance  2.0 |
| Profits based on simulation | Last Close 08/14/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 416.22M USD | Price to earnings Ratio 13.5 | 1Y Target Price 22.5 |
Price to earnings Ratio 13.5 | 1Y Target Price 22.5 | ||
Volume (30-day avg) 3 | Beta 0.82 | 52 Weeks Range 13.61 - 20.40 | Updated Date 08/14/2025 |
52 Weeks Range 13.61 - 20.40 | Updated Date 08/14/2025 | ||
Dividends yield (FY) - | Basic EPS (TTM) 1.36 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date 2025-07-24 | When Before Market | Estimate 0.32 | Actual 0.41 |
Profitability
Profit Margin 20.49% | Operating Margin (TTM) 30.21% |
Management Effectiveness
Return on Assets (TTM) 0.67% | Return on Equity (TTM) 8.15% |
Valuation
Trailing PE 13.5 | Forward PE 13.66 | Enterprise Value 431069344 | Price to Sales(TTM) 2.72 |
Enterprise Value 431069344 | Price to Sales(TTM) 2.72 | ||
Enterprise Value to Revenue 3.82 | Enterprise Value to EBITDA - | Shares Outstanding 22669800 | Shares Floating 21829010 |
Shares Outstanding 22669800 | Shares Floating 21829010 | ||
Percent Insiders 2.16 | Percent Institutions 49.55 |
Upturn AI SWOT
Carter Bank and Trust
Company Overview
History and Background
Carter Bank & Trust was founded in 1974 in Martinsville, Virginia. Originally known as First National Bank of Martinsville and Henry County, it rebranded to Carter Bank & Trust in 2007. It has grown through acquisitions and organic expansion, focusing on community banking services.
Core Business Areas
- Retail Banking: Provides deposit accounts, loans, and other financial services to individuals and small businesses.
- Commercial Banking: Offers lending, deposit, and cash management solutions to businesses of various sizes.
- Mortgage Services: Provides residential mortgage lending services.
- Wealth Management: Offers financial planning and investment management services.
Leadership and Structure
The leadership team consists of the CEO, CFO, and other senior executives. The organizational structure is typical of a community bank, with regional and branch management overseeing customer-facing operations.
Top Products and Market Share
Key Offerings
- Commercial Loans: Loans to businesses for various purposes, including working capital, equipment financing, and real estate. Market share is localized to its operating region, hard to find nationwide data. Competitors: Truist, Bank of America, Wells Fargo. Revenue is difficult to isolate from overall lending revenue.
- Residential Mortgages: Mortgage loans for home purchases and refinancing. Market share is localized to its operating region, hard to find nationwide data. Competitors: Wells Fargo, Rocket Mortgage, local credit unions. Revenue is difficult to isolate from overall lending revenue.
- Deposit Accounts: Checking, savings, and money market accounts for individuals and businesses. Market share is localized to its operating region, hard to find nationwide data. Competitors: Truist, Bank of America, local credit unions. Revenue generated through interest income and fees.
Market Dynamics
Industry Overview
The banking industry is currently navigating rising interest rates, increased regulatory scrutiny, and evolving customer preferences for digital banking. Community banks face competition from larger national banks and fintech companies.
Positioning
Carter Bank & Trust positions itself as a relationship-focused community bank, emphasizing personalized service and local decision-making. Its competitive advantages include its deep understanding of its local markets and its ability to provide customized solutions.
Total Addressable Market (TAM)
The TAM for community banking in the regions Carter Bank & Trust serves is estimated to be in the billions of dollars. The company is positioned to capture a portion of this TAM through its local presence and relationship-based approach.
Upturn SWOT Analysis
Strengths
- Strong local presence and relationships
- Experienced management team
- Commitment to community involvement
- Solid asset quality
Weaknesses
- Limited geographic diversification
- Smaller scale compared to national banks
- Dependence on traditional banking channels
- Higher operating costs as a percentage of revenue
Opportunities
- Expansion into adjacent markets
- Increased adoption of digital banking technologies
- Strategic acquisitions of smaller banks
- Growth in wealth management services
Threats
- Increased competition from larger banks and fintech companies
- Rising interest rates and economic slowdown
- Increased regulatory burden
- Cybersecurity threats
Competitors and Market Share
Key Competitors
- BBT
- BAC
- WFC
Competitive Landscape
Carter Bank & Trust faces intense competition from larger national banks and regional banks. Its competitive advantage lies in its local focus and personalized service.
Major Acquisitions
Danville Bancshares, Inc.
- Year: 2018
- Acquisition Price (USD millions): 21.8
- Strategic Rationale: Expanded footprint into the Danville, Virginia market and increased market share.
Growth Trajectory and Initiatives
Historical Growth: Carter Bank & Trust has experienced moderate growth in recent years, driven by organic expansion and acquisitions.
Future Projections: Analysts project continued moderate growth for Carter Bank & Trust, driven by its strong local presence and focus on relationship banking.
Recent Initiatives: Recent initiatives include investments in digital banking technologies, expansion into new markets, and strategic acquisitions.
Summary
Carter Bank & Trust is a community bank with a strong local presence. The bank is doing well with local and customer relationships, but it needs to look out for increased competition from larger banks and fintech companies, and increasing regulatory burdens, which might negatively affect their future growth. Investments in digital technologies and selective acquisitions could help mitigate those threats.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company Website
- SEC Filings
- Industry Reports
- Analyst Estimates
Disclaimers:
This analysis is based on publicly available information and is for informational purposes only. It does not constitute financial advice. Market share is an estimate based on limited publicly available data.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About Carter Bank and Trust
Exchange NASDAQ | Headquaters Martinsville, VA, United States | ||
IPO Launch date 2012-08-27 | CEO & Director Mr. Litz H. Van Dyke | ||
Sector Financial Services | Industry Banks - Regional | Full time employees 680 | Website https://www.carterbank.com |
Full time employees 680 | Website https://www.carterbank.com | ||
Carter Bankshares, Inc. operates as the bank holding company for Carter Bank & Trust that provides various retail and commercial banking products and insurance services in the United States. It offers various deposit products, including checking, savings, retirement, and money market accounts, as well as certificates of deposit. The company also provides commercial loans comprising secured and unsecured, real estate construction and acquisition, and commercial and industrial loans; consumer loans, such as secured and unsecured loans for financing automobiles, home improvements, education, overdraft protection, and personal investments, as well as residential mortgages; home equity lines of credit; and credit cards, as well as originates and holds fixed and variable rate mortgage loans. In addition, it offers other banking services that include safe deposit boxes, direct deposit of payroll, social security checks, and debit cards; online banking products, including online and mobile banking, online account opening, bill pay, e-statement, mobile deposit, Zelle, CardValet, digital wallet, MoneyPass, and ATM services; title insurance and other financial institution-related products and services; and treasury and corporate cash management services. Carter Bankshares, Inc. was founded in 1974 and is headquartered in Martinsville, Virginia.
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