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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
10/31/2025: 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 $22.83
1 Year Target Price $22.83
| 2 | Strong Buy |
| 1 | Buy |
| 0 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 5.41% | Avg. Invested days 47 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  2.0 |
| Profits based on simulation | Last Close 10/31/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 382.70M USD | Price to earnings Ratio 12.56 | 1Y Target Price 22.83 |
Price to earnings Ratio 12.56 | 1Y Target Price 22.83 | ||
Volume (30-day avg) 3 | Beta 0.83 | 52 Weeks Range 13.61 - 20.53 | Updated Date 11/2/2025 |
52 Weeks Range 13.61 - 20.53 | Updated Date 11/2/2025 | ||
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 2025-10-23 | When Before Market | Estimate 0.41 | Actual 0.26 |
Profitability
Profit Margin 20.17% | Operating Margin (TTM) 24% |
Management Effectiveness
Return on Assets (TTM) 0.66% | Return on Equity (TTM) 7.79% |
Valuation
Trailing PE 12.56 | Forward PE 13.66 | Enterprise Value 451253408 | Price to Sales(TTM) 2.48 |
Enterprise Value 451253408 | Price to Sales(TTM) 2.48 | ||
Enterprise Value to Revenue 3.91 | Enterprise Value to EBITDA - | Shares Outstanding 22406406 | Shares Floating 21579610 |
Shares Outstanding 22406406 | Shares Floating 21579610 | ||
Percent Insiders 2.13 | Percent Institutions 51.61 |
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, it later became Carter Bank & Trust through organic growth and strategic acquisitions, focusing on community banking in the Mid-Atlantic region.
Core Business Areas
- Retail Banking: Offers checking and savings accounts, personal loans, mortgages, and other financial services to individuals.
- Commercial Banking: Provides lending, deposit, and treasury management services to businesses.
- Wealth Management: Offers financial planning, investment management, and trust services to individuals and families.
Leadership and Structure
Carter Bank & Trust is led by a board of directors and an executive management team. The organizational structure is typical of a community bank, with regional and departmental heads overseeing various business lines.
Top Products and Market Share
Key Offerings
- Commercial Loans: Loans to businesses for various purposes like expansion, equipment, and working capital. Market share data is not publicly available at the product level. Competitors include Truist Financial, Bank of America, and other regional banks.
- Residential Mortgages: Mortgages for home purchase and refinancing. Market share data is not publicly available at the product level. Competitors include Wells Fargo, Rocket Mortgage, and other regional lenders.
- Deposit Accounts: Checking, savings, and money market accounts. Market share data is not publicly available at the product level. Competitors include all other banks operating in their footprint.
Market Dynamics
Industry Overview
The banking industry is currently facing challenges related to interest rate volatility, increased regulatory scrutiny, and competition from fintech companies. Community banks are focused on maintaining customer relationships and adapting to technological changes.
Positioning
Carter Bank & Trust is positioned as a community-focused bank in the Mid-Atlantic region. Its competitive advantages include local expertise, personalized service, and strong relationships with its customers.
Total Addressable Market (TAM)
The TAM for banking services in Carter Bank & Trust's geographic footprint is estimated to be several billion dollars. Carter Bank & Trust holds a small but significant share of this market and competes with larger national and regional players.
Upturn SWOT Analysis
Strengths
- Strong customer relationships
- Local market expertise
- Experienced management team
- Solid capital base
- Community focused
Weaknesses
- Limited geographic reach
- Smaller scale compared to larger competitors
- Dependence on traditional banking channels
- Slower adoption of new technology relative to national banks
- Revenue concentration in legacy products
Opportunities
- Expanding into new markets
- Investing in digital banking platforms
- Acquiring smaller banks or branches
- Offering new products and services
- Increase Wealth Management offerings
Threats
- Increased competition from larger banks and fintech companies
- Rising interest rates
- Economic downturn
- Cybersecurity threats
- Regulatory changes
Competitors and Market Share
Key Competitors
- TRU
- BAC
- PNC
- BBT
Competitive Landscape
Carter Bank & Trust faces significant competition from larger national and regional banks. Its strengths lie in its local focus and customer relationships, while its weaknesses are its smaller size and limited resources.
Growth Trajectory and Initiatives
Historical Growth: Carter Bank & Trust has grown through organic expansion and acquisitions. Growth has been moderate, reflecting the competitive landscape.
Future Projections: Future projections are not available without access to analyst reports. Please consult financial news sources.
Recent Initiatives: Recent initiatives are not fully detailed without inside information. Focus likely includes technology investments and geographic expansion.
Summary
Carter Bank & Trust is a community bank with a solid foundation but faces challenges from larger competitors. Strengths include local expertise and customer relationships. Growth opportunities exist through strategic expansion and technology adoption, but economic uncertainty and competition pose threats.
Similar Stocks
Sources and Disclaimers
Data Sources:
- Company Website
- SEC Filings
- Industry Reports
- Financial News Sources
- Yahoo Finance
Disclaimers:
The information provided is for informational purposes only and does not constitute financial advice. Market share data is estimated and may not be precise. Financial data should be verified with official sources.
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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