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Upturn AI SWOT - About
CARE 
Carter Bank and Trust (CARE)
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Upturn Advisory Summary
09/17/2025: CARE (1-star) has a low Upturn Star Rating. Not recommended to BUY.
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 13.93% | Avg. Invested days 44 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating | Upturn Advisory Performance  4.0 | Stock Returns Performance  2.0 |
| Profits based on simulation | Last Close 09/17/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 445.01M USD | Price to earnings Ratio 14.43 | 1Y Target Price 22.5 |
Price to earnings Ratio 14.43 | 1Y Target Price 22.5 | ||
Volume (30-day avg) 3 | Beta 0.86 | 52 Weeks Range 13.61 - 20.53 | Updated Date 09/16/2025 |
52 Weeks Range 13.61 - 20.53 | Updated Date 09/16/2025 | ||
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 - | When - | Estimate - | Actual - |
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 14.43 | Forward PE 13.66 | Enterprise Value 460766816 | Price to Sales(TTM) 2.91 |
Enterprise Value 460766816 | Price to Sales(TTM) 2.91 | ||
Enterprise Value to Revenue 4.03 | Enterprise Value to EBITDA - | Shares Outstanding 22669800 | Shares Floating 21843065 |
Shares Outstanding 22669800 | Shares Floating 21843065 | ||
Percent Insiders 2.1 | Percent Institutions 51.07 |
Upturn AI SWOT
Carter Bank and Trust
Company Overview
History and Background
Carter Bank & Trust was founded in 1974 by Worth Harris Carter, Jr. It began as a small community bank in Martinsville, Virginia, and has grown through organic expansion and acquisitions to become a regional bank serving Virginia and North Carolina.
Core Business Areas
- Commercial Banking: Provides lending, deposit, and treasury management services to businesses of all sizes.
- Retail Banking: Offers a range of personal banking services, including checking and savings accounts, mortgages, and consumer loans.
- Wealth Management: Provides investment management, financial planning, and trust services to individuals and families.
Leadership and Structure
The leadership team consists of the Chief Executive Officer, Chief Financial Officer, Chief Risk Officer, and other senior executives. The bank operates under a board of directors that oversees the overall strategy and performance.
Top Products and Market Share
Key Offerings
- Commercial Loans: Provides loans to businesses for various purposes, such as expansion, working capital, and equipment financing. Market share data is not readily available for Carter Bank & Trust's specific commercial loan market share, but it competes with larger national and regional banks like Truist (TFC) and Bank of America (BAC) in this space. Loan revenue is not publicly available.
- Mortgage Loans: Offers mortgage loans to individuals for purchasing or refinancing homes. Market share data specific to Carter Bank & Trust's mortgage business is not readily available. Competitors include Wells Fargo (WFC) and Rocket Companies (RKT). Mortgage revenue is not publicly available.
- Deposit Accounts: Provides checking, savings, and money market accounts to individuals and businesses. Specific market share data is unavailable but competition comes from larger banks and credit unions. Deposit revenue is not publicly available.
Market Dynamics
Industry Overview
The banking industry is currently characterized by increasing regulatory scrutiny, rising interest rates, technological disruption, and heightened competition from both traditional banks and non-bank financial institutions. Consolidation is ongoing as banks seek scale and efficiency.
Positioning
Carter Bank & Trust positions itself as a community-focused regional bank offering personalized service and local expertise. Its competitive advantages include strong relationships with customers, knowledge of local markets, and a commitment to community involvement.
Total Addressable Market (TAM)
The total addressable market for banking services in Virginia and North Carolina is estimated to be in the billions of dollars annually. Carter Bank & Trust's TAM is the community banking segment in its geographic region. Specific market value is not available. The company focuses on local economies rather than a broader market.
Upturn SWOT Analysis
Strengths
- Strong local presence
- Customer relationships
- Experienced management team
- Community focus
Weaknesses
- Limited geographic footprint
- Smaller asset base compared to larger banks
- Reliance on traditional banking model
- Less investment in technology
Opportunities
- Expanding into new markets
- Increasing digital banking capabilities
- Acquiring smaller banks
- Offering new products and services
Threats
- Increased competition from larger banks and fintech companies
- Rising interest rates
- Economic downturn
- Regulatory changes
Competitors and Market Share
Key Competitors
- TFC
- BAC
- PNC
Competitive Landscape
Carter Bank & Trust competes primarily with larger regional and national banks. Its advantages include its community focus and local expertise, while its disadvantages include its smaller asset base and limited geographic footprint. The bank aims to provide more attentive service.
Growth Trajectory and Initiatives
Historical Growth: Growth trends over the past years are based on expansion throughout Virginia and North Carolina.
Future Projections: Analyst estimates require access to specific financial data and analyst reports, which aren't publicly available.
Recent Initiatives: Recent strategic initiatives include expanding digital banking services and focusing on commercial lending growth.
Summary
Carter Bank & Trust is a community-focused bank with a strong local presence, but its smaller size and limited geographic footprint pose challenges. The bank's strength lies in its customer relationships and community focus. To improve, Carter Bank & Trust should focus on technological upgrades, explore market expansion, and effectively navigate increasing competition.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company Website
- Third-party financial data providers (when available)
- Industry reports (when available)
- Analyst Reports (when available)
Disclaimers:
The information provided is based on publicly available data and general industry knowledge. Actual financial performance and market conditions may vary. This is not financial advice.
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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