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Carter Bank and Trust (CARE)



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Upturn Advisory Summary
06/30/2025: CARE (1-star) has a low Upturn Star Rating. Not recommended to BUY.
1 Year Target Price $21.33
1 Year Target Price $21.33
2 | Strong Buy |
1 | Buy |
0 | Hold |
0 | Sell |
0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 13.67% | Avg. Invested days 45 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating ![]() ![]() | Upturn Advisory Performance ![]() | Stock Returns Performance ![]() |
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Key Highlights
Company Size Small-Cap Stock | Market Capitalization 403.89M USD | Price to earnings Ratio 14.53 | 1Y Target Price 21.33 |
Price to earnings Ratio 14.53 | 1Y Target Price 21.33 | ||
Volume (30-day avg) 3 | Beta 0.76 | 52 Weeks Range 13.61 - 20.40 | Updated Date 06/29/2025 |
52 Weeks Range 13.61 - 20.40 | Updated Date 06/29/2025 | ||
Dividends yield (FY) - | Basic EPS (TTM) 1.2 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 18.88% | Operating Margin (TTM) 32.07% |
Management Effectiveness
Return on Assets (TTM) 0.6% | Return on Equity (TTM) 7.27% |
Valuation
Trailing PE 14.53 | Forward PE 13.66 | Enterprise Value 369738176 | Price to Sales(TTM) 2.76 |
Enterprise Value 369738176 | Price to Sales(TTM) 2.76 | ||
Enterprise Value to Revenue 3.38 | Enterprise Value to EBITDA - | Shares Outstanding 23159000 | Shares Floating 22314172 |
Shares Outstanding 23159000 | Shares Floating 22314172 | ||
Percent Insiders 2.13 | Percent Institutions 48.16 |
Analyst Ratings
Rating 2 | Target Price 21.33 | Buy 1 | Strong Buy 2 |
Buy 1 | Strong Buy 2 | ||
Hold - | Sell - | Strong Sell - | |
Strong Sell - |
Upturn AI SWOT
Carter Bank and Trust

Company Overview
History and Background
Carter Bank & Trust was founded in 1974 in Martinsville, Virginia. It has grown through organic expansion and acquisitions to become a community bank serving Virginia and North Carolina. The bank focuses on providing relationship-based banking services to individuals and businesses.
Core Business Areas
- Commercial Banking: Offers commercial loans, lines of credit, treasury management services, and other financial solutions for businesses.
- Retail Banking: Provides personal checking and savings accounts, mortgages, auto loans, credit cards, and other consumer banking products.
- Wealth Management: Offers investment management, trust services, and financial planning to individuals and families.
Leadership and Structure
The leadership team consists of the CEO, CFO, and other key executives responsible for overseeing the bank's operations. The organizational structure is typical of a community bank, with regional and branch management teams reporting to executive leadership.
Top Products and Market Share
Key Offerings
- Commercial Loans: Provides loans to businesses for various purposes, including working capital, equipment financing, and real estate. No specific market share data available, but competitors include other regional and national banks like Truist and Wells Fargo. Revenue is based on Loan Interest Rates and Loan Volume.
- Mortgages: Offers mortgage loans to individuals for home purchases and refinances. No specific market share data available, but competitors include national mortgage lenders and other local banks. Revenue is generated through interest and fees.
- Checking Accounts: Offers a variety of checking account products to individuals. No specific market share data available. Competitors include regional and national banks. Revenue is generated through fees (overdraft, etc.).
Market Dynamics
Industry Overview
The banking industry is currently facing challenges from rising interest rates, increased regulatory scrutiny, and competition from fintech companies. Community banks like Carter Bank & Trust are focused on maintaining relationships with local customers and providing personalized service.
Positioning
Carter Bank & Trust positions itself as a community-focused bank with a strong commitment to customer service and local economic development. It differentiates itself from larger banks through its personalized approach and local expertise.
Total Addressable Market (TAM)
The TAM for community banking in Virginia and North Carolina is estimated at tens of billions of dollars. Carter Bank & Trust is positioned to capture a portion of this market through its branch network and customer relationships.
Upturn SWOT Analysis
Strengths
- Strong local presence and customer relationships
- Experienced management team
- Solid capital base
- Relationship-based banking model
Weaknesses
- Limited geographic reach compared to larger banks
- Dependence on local economy
- Smaller scale may limit ability to invest in technology
- Higher operational expenses than larger financial institutions.
Opportunities
- Expanding into new markets within Virginia and North Carolina
- Acquiring smaller community banks
- Developing new products and services to meet customer needs
- Leveraging technology to improve efficiency and customer experience.
Threats
- Competition from larger banks and fintech companies
- Economic downturn in Virginia and North Carolina
- Rising interest rates
- Increased regulatory burden
Competitors and Market Share
Key Competitors
- TRST
- WF
- SYBT
Competitive Landscape
Carter Bank & Trust competes with larger regional and national banks as well as smaller community banks. Its advantages include strong local relationships and personalized service, while its disadvantages include limited scale and geographic reach.
Major Acquisitions
Please Populate Data
- Year: 0
- Acquisition Price (USD millions): 0
- Strategic Rationale: Explain the strategic reasons behind the acquisition.
Growth Trajectory and Initiatives
Historical Growth: Historical growth data is not provided in the prompt but would be included here.
Future Projections: Future projections are not provided in the prompt but would be included here based on analyst estimates.
Recent Initiatives: Recent initiatives may include branch expansions, new technology investments, or strategic partnerships.
Summary
Carter Bank & Trust is a community bank with a strong local presence. Its focus on customer relationships is a key strength. However, it faces competition from larger banks and must invest in technology to remain competitive. Strategic acquisitions could enhance its growth trajectory.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company Website
- SEC Filings
- Analyst Reports (Estimates)
Disclaimers:
This analysis is based on publicly available information and analyst estimates. It is not financial advice. Market conditions can change rapidly, and investors should conduct their own due diligence.
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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