CARE Carter Bankshares, Inc. - Common Stock
NASDAQ · Banking · View on SEC EDGAR ↗ close Oct 2, 2026 10-K/10-Q Aug 6, 2026
$30.75
· of 52w range
· above low
· to high
$16.7852w low
$36.0652w high
Market Cap (MRQ)
$681M
P/E
22.3
EPS
$1.38
Revenue
$20M
your badges
52W Range
$17–$36
Analyst Rating
BUY
Price Target
$35
P/E
22.3
ROE
7.6%
Net Profit Margin
154.4%
Your badge strip is empty — pin a metric anywhere on this page.
CARE Stock Snapshot Price, market cap, P/E, EPS, ROE, debt/equity, 52-week range
Price
$30.75
Market Cap (MRQ)
$681M
P/E
22.3
EPS
$1.38
Revenue
$20M
ROE
7.6%
52W Range
$17–$36
CARE Stock Price Chart Daily OHLCV with technical indicators — pan, zoom, and customize your view
range
bars
Bar granularity adapts to the selected period — hover the chart to see open/high/low/close for a bar.
10-Year Performance Revenue, net income, margins and EPS trends
Revenue$20M2019-12-31 → 2025-12-31
EPS$1.382019-12-31 → 2025-12-31
Free Cash Flow$32M2021-12-31 → 2025-12-31
Net margin154.4%2021-12-31 → 2025-12-31
Valuation & Ratios
Valuation P/E, P/S, P/B, EV/EBITDA ratios — is the stock expensive or cheap?
| Metric | 5Y trend | CARE | 5Y avg | Peer Median | Verdict |
|---|---|---|---|---|---|
| P/E | 22.35Y avg ≈13.4 | ≈13.4 | 10.0 | Undervalued | |
| P/S | 33.45Y avg ≈21.4 | ≈21.4 | 4.0 | Overvalued | |
| P/B (MRQ) | 1.35Y avg ≈1.1 | ≈1.1 | 1.1 | Overvalued | |
| Price / FCF (TTM) | 11.65Y avg ≈9.8 | ≈9.8 | · | · | |
| Price / Cash Flow (TTM) | 10.15Y avg ≈8.0 | ≈8.0 | 8.7 | Overvalued | |
| Price / Tangible Book (MRQ) | 1.35Y avg ≈1.1 | ≈1.1 | · | · |
Peer median is calculated on a standardized basis per metric and may not always match the TTM/MRQ basis shown for this stock.
Profitability Gross, operating and net margins; ROE, ROA, ROIC
| Metric | 5Y trend | CARE | 5Y avg | Peer Median | Verdict |
|---|---|---|---|---|---|
| EBITDA Margin | 38.7%5Y avg ≈34.8% | ≈34.8% | · | · | |
| Pretax Margin | 196.9%5Y avg ≈204.9% | ≈204.9% | 44.4% | Top tier | |
| Net Profit Margin | 154.4%5Y avg ≈167.4% | ≈167.4% | 35.4% | Top tier | |
| ROA | 0.66%5Y avg ≈0.74% | ≈0.74% | 1.2% | Weak | |
| ROE | 7.6%5Y avg ≈8.8% | ≈8.8% | 11.3% | Weak |
Financial Health Debt, liquidity, solvency — balance sheet strength
No data for this ratio group yet
Not enough fundamentals data to compute this ratio group yet.
Growth Revenue, EPS and net income growth: YoY, 3Y CAGR, 5Y CAGR
| Metric | 5Y trend | CARE | 5Y avg | Peer Median | Verdict |
|---|---|---|---|---|---|
| Revenue YoY | 4.7%5Y avg ≈2.7% | ≈2.7% | · | · | |
| Revenue CAGR 3Y | 3.5%5Y avg ≈1.9% | ≈1.9% | · | · | |
| Revenue CAGR 5Y | 2.5% | · | · | · | |
| EPS YoY | 30.2%5Y avg ≈14.0% | ≈14.0% | · | · | |
| Net Income YoY | 27.9%5Y avg ≈9.5% | ≈9.5% | · | · | |
| EPS CAGR 3Y | -12.1% | · | · | · | |
| Net Income CAGR 3Y | -14.5% | · | · | · |
Capital Efficiency Asset turnover, inventory turnover, receivables turnover
| Metric | 5Y trend | CARE | 5Y avg | Peer Median | Verdict |
|---|---|---|---|---|---|
| Asset Turnover | 0.05Y avg ≈0.0 | ≈0.0 | 0.0 | Weak | |
| Revenue / Employee | ≈$29.6K | · | · | · |
value · ≈ 5Y avg · industry median · verdict relative to median
Dividends Yield, payout ratio, dividend history, 5Y CAGR
Annualized Payout≈$0.40
| Ex-date | Amount | Currency | Yield |
|---|---|---|---|
| Aug 10, 2026 | $0.10 | USD | ≈0.63% |
| May 11, 2026 | $0.10 | USD | ≈0.38% |
| Feb 14, 2020 | $0.14 | USD | ≈0.71% |
| Jul 13, 2016 | $0.10 | USD | ≈3.2% |
| Apr 21, 2016 | $0.10 | USD | ≈3.1% |
| Jan 13, 2016 | $0.10 | USD | ≈3.0% |
| Oct 13, 2015 | $0.10 | USD | ≈3.2% |
| Jul 15, 2015 | $0.10 | USD | ≈3.2% |
| Apr 13, 2015 | $0.10 | USD | ≈3.1% |
| Jan 14, 2015 | $0.10 | USD | ≈3.2% |
| Oct 9, 2014 | $0.10 | USD | ≈3.4% |
| Jul 10, 2014 | $0.10 | USD | ≈3.4% |
| Apr 10, 2014 | $0.10 | USD | ≈3.5% |
| Jan 9, 2014 | $0.10 | USD | ≈3.6% |
| Oct 10, 2013 | $0.10 | USD | ≈3.6% |
| Jul 11, 2013 | $0.10 | USD | ≈3.8% |
| Apr 11, 2013 | $0.10 | USD | ≈4.1% |
| Jan 10, 2013 | $0.10 | USD | ≈4.5% |
| Oct 11, 2012 | $0.10 | USD | ≈4.4% |
| Jul 11, 2012 | $0.10 | USD | ≈4.7% |
Earnings History EPS actual vs estimate, surprise %, beat rate, next earnings date
Avg Surprise
-13.6%
Next Report
Oct 21, 2026
| Period | Report | EPS Actual | EPS Est | Surprise |
|---|---|---|---|---|
| June 30, 2026 | Jul 22, 2026 | $0.53 | $0.77 | -31.4% |
| March 31, 2026 | $0.40 | $2.80 | -85.7% | |
| Dec. 31, 2025 | $0.41 | $0.36 | 14.8% | |
| Sept. 30, 2025 | $0.26 | $0.42 | -38.3% | |
| June 30, 2025 | $0.41 | $0.33 | 24.3% | |
| March 31, 2025 | $0.39 | $0.29 | 34.9% |
Full Fundamentals All metrics by year — income statement, balance sheet, cash flow
Income Statement
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 |
|---|---|---|---|---|---|---|---|---|
| Revenue | $20M | $19M | $17M | $18M | $17M | $18M | $13M | |
| Interest Expense | · | · | $74M | $20M | $23M | $36M | $47M | |
| Interest Income | $232M | $222M | $196M | $160M | $134M | $141M | $159M | |
| Pretax Income | $40M | $31M | $29M | $62M | $36M | $-45M | $28M | |
| Income Tax | $9M | $6M | $5M | $12M | $4M | $772.0K | $1M | |
| Net Income | $31M | $25M | $23M | $50M | $32M | $-46M | $27M | |
| EPS (Basic) | $1.38 | $1.06 | $1.00 | $2.03 | $1.19 | $-1.74 | $1.01 | |
| EPS (Diluted) | $1.38 | $1.06 | $1.00 | $2.03 | $1.19 | $-1.74 | $1.01 | |
| Shares (Basic) | 22,456,705 | 22,817,149 | 23,240,543 | 24,595,789 | 26,342,729 | 26,379,774 | 26,258,576 | |
| Shares (Diluted) | 22,456,705 | 22,817,149 | 23,240,543 | 24,595,789 | 26,342,729 | 26,379,774 | 26,258,576 | |
| EBITDA | $8M | $7M | $6M | $6M | $6M | · | · |
Balance Sheet
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 |
|---|---|---|---|---|---|---|---|---|
| Cash & Equivalents | $105M | · | · | · | $278M | $242M | · | |
| PP&E (Net) | $72M | $74M | $74M | $72M | $75M | $85M | · | |
| PP&E (Gross) | $121M | $122M | $115M | $111M | $112M | $120M | · | |
| Accum. Depreciation | $48M | $48M | $41M | $39M | $36M | $35M | · | |
| Goodwill | $1M | $0 | · | · | · | · | · | |
| Intangibles | $940.0K | $0 | · | · | · | · | · | |
| Total Assets | $4.85B | $4.66B | $4.51B | $4.20B | $4.13B | $4.18B | · | |
| Total Liabilities | $4.43B | $4.27B | $4.16B | $3.88B | $3.73B | $3.74B | · | |
| Common Stock | $22M | $23M | $23M | $24M | $26M | $26M | · | |
| Paid-in Capital | $75M | $92M | $91M | $105M | $144M | $143M | · | |
| Retained Earnings | $365M | $334M | $309M | $286M | $235M | $255M | · | |
| AOCI | $-42M | $-65M | $-71M | $-86M | $2M | $16M | · | |
| Stockholders' Equity | $420M | $384M | $351M | $329M | $408M | $440M | $473M | |
| Liabilities + Equity | $4.85B | $4.66B | $4.51B | $4.20B | $4.13B | $4.18B | · | |
| Shares Outstanding | 22,083,007 | 23,069,175 | 22,956,304 | 23,956,772 | 26,430,919 | 26,385,041 | · |
Cash Flow
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 |
|---|---|---|---|---|---|---|---|---|
| D&A | $8M | $7M | $6M | $6M | $6M | $6M | $5M | |
| Stock-based Comp | $2M | $2M | $2M | $1M | $1M | $1M | $381.0K | |
| Deferred Tax | $2M | $3M | $368.0K | $4M | $3M | $-2M | $-76.0K | |
| Amort. of Intangibles | $161.0K | · | · | · | · | · | · | |
| Other Non-cash | $-4M | $919.0K | $15M | $10M | $36M | · | · | |
| Operating Cash Flow | $40M | $37M | $47M | $71M | $78M | $8M | $38M | |
| CapEx | $8M | $8M | $10M | $6M | $8M | $10M | $8M | |
| Investing Cash Flow | $-156M | $-68M | $-307M | $-382M | $-106M | $-93M | $-129M | |
| Stock Repurchased | $20M | $0 | $16M | $43M | $157.0K | $0 | $0 | |
| Net Stock Activity | $-20M | $0 | $-16M | $-43M | $-157.0K | · | · | |
| Dividends Paid | · | · | · | $0 | $0 | $4M | $0 | |
| Financing Cash Flow | $90M | $108M | $268M | $80M | $65M | $202M | $-77M | |
| Net Change in Cash | $-26M | $77M | $8M | $-231M | $36M | $116M | $-168M | |
| Taxes Paid | $4M | $303.0K | $6M | · | · | · | · | |
| Free Cash Flow | $32M | $29M | $37M | $65M | $69M | · | · | |
| Levered FCF | · | · | $-23M | $48M | $49M | · | · |
Profitability
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 |
|---|---|---|---|---|---|---|---|---|
| Net Margin | 154.4% | 126.3% | 135.4% | 262.3% | 158.7% | · | · | |
| Pretax Margin | 196.9% | 159.0% | 166.3% | 323.0% | 179.4% | · | · | |
| EBITDA Margin | 38.7% | 36.3% | 36.2% | 31.7% | 31.3% | · | · | |
| ROA | 0.66% | 0.53% | 0.54% | 1.2% | 0.76% | · | · | |
| ROE | 7.6% | 6.4% | 6.9% | 15.6% | 7.8% | · | · |
Efficiency
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 |
|---|---|---|---|---|---|---|---|---|
| Asset Turnover | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | · | · |
Per Share
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 |
|---|---|---|---|---|---|---|---|---|
| Book Value / Share | $19.01 | $16.66 | $15.30 | $13.72 | $15.42 | · | · | |
| Revenue / Share | $0.90 | $0.85 | $0.74 | $0.78 | $0.76 | · | · | |
| Cash Flow / Share | $1.78 | $1.62 | $2.01 | $2.88 | $2.94 | · | · | |
| Cash / Share | · | · | · | · | $10.51 | · | · | |
| Dividend / Share | · | · | · | · | · | $0.14 | · | |
| EPS (TTM) | $1.38 | $1.06 | $1.00 | $2.03 | $1.19 | $-1.74 | · |
Growth Rates
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 |
|---|---|---|---|---|---|---|---|---|
| Revenue YoY | 4.7% | 12.4% | -5.8% | 4.8% | -2.8% | · | · | |
| Revenue CAGR 3Y | 3.5% | 3.5% | -1.4% | · | · | · | · | |
| Revenue CAGR 5Y | 2.5% | · | · | · | · | · | · | |
| EPS YoY | 30.2% | 6.0% | -50.7% | 70.6% | · | · | · | |
| EPS CAGR 3Y | -12.1% | -3.8% | · | · | · | · | · | |
| Net Income YoY | 27.9% | 4.9% | -53.3% | 58.7% | · | · | · | |
| Net Income CAGR 3Y | -14.5% | -8.1% | · | · | · | · | · |
Valuation (TTM)
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 |
|---|---|---|---|---|---|---|---|---|
| Revenue TTM | $20M | $19M | $17M | $18M | $17M | $18M | · | |
| Net Income TTM | $31M | $25M | $23M | $50M | $32M | $-46M | · | |
| Market Cap | $434M | $406M | $344M | $397M | $407M | · | · | |
| P/E | 14.2 | 16.6 | 15.0 | 8.2 | 12.9 | -6.2 | · | |
| P/S | 21.4 | 20.9 | 19.9 | 21.7 | 23.3 | · | · | |
| P/B | 1.0 | 1.1 | 1.0 | 1.2 | 1.0 | · | · | |
| P / Tangible Book | 1.0 | 1.1 | 1.0 | 1.2 | 1.0 | · | · | |
| P / Cash Flow | 10.9 | 11.0 | 7.4 | 5.6 | 5.2 | · | · | |
| P / FCF | 13.6 | 14.1 | 9.3 | 6.1 | 5.9 | · | · | |
| Dividend Yield | · | · | · | 0.00% | 0.00% | · | · | |
| Earnings Yield | 7.0% | 6.0% | 6.7% | 12.2% | 7.7% | -16.2% | · | |
| Payout Ratio | · | · | · | 0.00% | 0.00% | · | · | |
| Annual Payout | · | · | · | $0 | $0 | $4M | · |
Income Statement
| Metric | Trend | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Interest Expense | · | · | · | · | · | · | · | · | · | $26M | · | $21M | $17M | $11M | $7M | $5M | |
| Interest Income | $61M | $59M | $59M | $59M | $58M | $56M | $57M | $57M | $55M | $54M | $52M | $49M | $44M | $52M | $48M | $42M | |
| Pretax Income | $37M | $110M | $11M | $7M | $11M | $11M | $11M | $7M | $6M | $7M | $-2M | $4M | $6M | $20M | $19M | $19M | |
| Income Tax | $8M | $24M | $3M | $2M | $2M | $2M | $2M | $1M | $1M | $1M | $-1.0K | $780.0K | $54.0K | $5M | $3M | $5M | |
| Net Income | $29M | $86M | $8M | $5M | $9M | $9M | $8M | $6M | $5M | $6M | $-2M | $4M | $6M | $16M | $16M | $14M | |
| EPS (Basic) | $1.31 | $3.88 | $0.38 | $0.24 | $0.37 | $0.39 | $0.36 | $0.24 | $0.21 | $0.25 | $-0.07 | $0.16 | $0.24 | $0.67 | $0.64 | $0.59 | |
| EPS (Diluted) | $1.31 | $3.88 | $0.38 | $0.24 | $0.37 | $0.39 | $0.36 | $0.24 | $0.21 | $0.25 | $-0.07 | $0.16 | $0.24 | $0.67 | $0.64 | $0.59 | |
| Shares (Basic) | 21,838,645 | 21,846,942 | · | 22,294,228 | 22,805,881 | 22,873,800 | · | 22,832,619 | 22,826,510 | 22,770,311 | · | 22,946,179 | 23,513,837 | 23,770,481 | · | 24,265,075 | |
| Shares (Diluted) | 21,838,645 | 21,846,942 | · | 22,294,228 | 22,805,881 | 22,873,800 | · | 22,832,619 | 22,826,510 | 22,770,311 | · | 22,946,179 | 23,513,837 | 23,770,481 | · | 24,265,075 | |
| EBITDA | · | $2M | · | · | · | $2M | · | · | · | $2M | · | · | · | $2M | · | · |
Balance Sheet
| Metric | Trend | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Cash & Equivalents | $277M | · | · | · | · | · | · | · | · | · | · | · | · | · | · | $66M | |
| PP&E (Net) | $70M | $71M | $72M | $72M | $72M | $74M | $74M | $73M | $73M | $73M | · | $74M | $75M | $72M | · | $73M | |
| PP&E (Gross) | · | · | $121M | · | · | · | $122M | · | · | · | · | · | · | · | · | · | |
| Accum. Depreciation | · | · | $48M | · | · | · | $48M | · | · | · | · | · | · | · | · | · | |
| Goodwill | $1M | $1M | $1M | $1M | $1M | · | $0 | · | · | · | · | · | · | · | · | · | |
| Intangibles | $812.0K | $874.0K | $940.0K | $1M | $1M | · | $0 | · | · | · | · | · | · | · | · | · | |
| Total Assets | $4.80B | $4.80B | $4.85B | $4.84B | $4.78B | $4.70B | $4.66B | $4.61B | $4.53B | $4.55B | · | $4.45B | $4.38B | $4.37B | · | $4.11B | |
| Total Liabilities | $4.26B | $4.29B | $4.43B | $4.43B | $4.38B | $4.30B | $4.27B | $4.23B | $4.17B | $4.20B | · | $4.12B | $4.04B | $4.01B | · | $3.80B | |
| Common Stock | $22M | $22M | $22M | $22M | $23M | $23M | $23M | $23M | $23M | $23M | · | $23M | $23M | $24M | · | $24M | |
| Paid-in Capital | $73M | $75M | $75M | $80M | $84M | $92M | $92M | $92M | $91M | $91M | · | $90M | $96M | $103M | · | $107M | |
| Retained Earnings | $477M | $451M | $365M | $356M | $351M | $343M | $334M | $325M | $320M | $315M | · | $311M | $307M | $302M | · | $270M | |
| AOCI | $-33M | $-43M | $-42M | $-46M | $-52M | $-56M | $-65M | $-53M | $-70M | $-70M | · | $-94M | $-82M | $-73M | · | $-86M | |
| Stockholders' Equity | $539M | $505M | $420M | $413M | $406M | $402M | $384M | $387M | $364M | $359M | $351M | $331M | $344M | $355M | $329M | $315M | |
| Liabilities + Equity | $4.80B | $4.80B | $4.85B | $4.84B | $4.78B | $4.70B | $4.66B | $4.61B | $4.53B | $4.55B | · | $4.45B | $4.38B | $4.37B | · | $4.11B | |
| Shares Outstanding | 22,162,213 | 22,159,980 | 22,083,007 | 22,406,406 | 22,669,834 | 23,161,993 | 23,069,175 | 23,072,014 | 23,072,750 | 23,020,542 | · | 22,955,753 | 23,371,835 | 23,895,543 | · | 24,111,171 |
Cash Flow
| Metric | Trend | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| D&A | $2M | $2M | $2M | $2M | $2M | $2M | $2M | $2M | $2M | $2M | $2M | $2M | $2M | $2M | $2M | $2M | |
| Stock-based Comp | $616.0K | $519.0K | $522.0K | $539.0K | $529.0K | $481.0K | $428.0K | $458.0K | $425.0K | $441.0K | $390.0K | $395.0K | $431.0K | $345.0K | $304.0K | $306.0K | |
| Deferred Tax | $-958.0K | $6M | $1M | $-652.0K | $507.0K | $1M | $1M | $3M | $-2M | $189.0K | $112.0K | $-283.0K | $84.0K | $455.0K | $2M | $440.0K | |
| Other Non-cash | · | $209M | · | · | · | $-6M | · | · | · | $10M | · | · | · | $4M | · | · | |
| Operating Cash Flow | $-261M | $304M | $12M | $12M | $10M | $6M | $11M | $10M | $-2M | $18M | $8M | $9M | $7M | $22M | $23M | $21M | |
| CapEx | $2M | $2M | $3M | $2M | $2M | $2M | $3M | $2M | $2M | $1M | $2M | $2M | $4M | $2M | $2M | $2M | |
| Investing Cash Flow | $352M | $-27M | $-11M | $-50M | $-13M | $-81M | $-34M | $-23M | $-22M | $10M | $-52M | $-79M | $-51M | $-125M | $-112M | $-20M | |
| Stock Repurchased | · | · | $6M | $5M | · | · | $0 | $0 | $0 | $0 | $0 | $6M | $8M | $2M | $3M | $8M | |
| Net Stock Activity | · | · | · | · | · | · | · | · | · | $0 | · | · | · | $-2M | · | · | |
| Financing Cash Flow | $-43M | $-154M | $-2M | $45M | $15M | $33M | $48M | $56M | $-22M | $26M | $43M | $72M | $16M | $138M | $70M | $-5M | |
| Net Change in Cash | $48M | $123M | $-2M | $7M | $11M | $-42M | $26M | $43M | $-46M | $54M | $-869.0K | $2M | $-28M | $35M | $-19M | $-5M | |
| Free Cash Flow | · | $302M | · | · | · | $5M | · | · | · | $16M | · | · | · | $21M | · | · | |
| Levered FCF | · | · | · | · | · | · | · | · | · | $-4M | · | · | · | $12M | · | · |
Profitability
| Metric | Trend | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Net Margin | 42.1% | 80.2% | · | 13.9% | 22.8% | 24.2% | · | 16.4% | 14.3% | 17.4% | · | 11.1% | 18.0% | 35.0% | · | 33.5% | |
| Pretax Margin | 54.2% | 102.9% | · | 18.3% | 28.5% | 30.1% | · | 20.5% | 17.6% | 21.6% | · | 13.5% | 18.1% | 43.6% | · | 45.2% | |
| EBITDA Margin | · | 2.0% | · | · | · | 5.2% | · | · | · | 5.0% | · | · | · | 3.3% | · | · | |
| ROA | 0.60% | 1.8% | · | 0.11% | 0.18% | 0.19% | · | 0.12% | 0.11% | 0.13% | · | 0.08% | 0.13% | 0.38% | · | 0.35% | |
| ROE | 6.1% | 18.9% | · | 1.4% | 2.2% | 2.4% | · | 1.6% | 1.4% | 1.6% | · | 1.1% | 1.7% | 4.5% | · | 4.0% |
Efficiency
| Metric | Trend | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Asset Turnover | 0.0 | 0.0 | · | 0.0 | 0.0 | 0.0 | · | 0.0 | 0.0 | 0.0 | · | 0.0 | 0.0 | 0.0 | · | 0.0 |
Per Share
| Metric | Trend | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Book Value / Share | $24.33 | $22.78 | · | $18.43 | $17.89 | $17.35 | · | $16.77 | $15.79 | $15.60 | · | $14.40 | $14.73 | $14.85 | · | $13.06 | |
| Revenue / Share | $3.14 | $4.89 | · | $1.75 | $1.63 | $1.62 | · | $1.50 | $1.47 | $1.47 | · | $1.42 | $1.35 | $1.92 | · | $1.77 | |
| Cash Flow / Share | · | $13.91 | · | · | · | $0.28 | · | · | · | $0.77 | · | · | · | $0.94 | · | · | |
| Cash / Share | $12.48 | · | · | · | · | · | · | · | · | · | · | · | · | · | · | $2.73 | |
| Dividend / Share | $0.10 | · | · | · | · | · | · | · | · | · | · | · | · | · | · | · | |
| EPS (TTM) | $5.81 | $4.87 | · | $1.36 | $1.36 | $1.20 | · | $0.63 | $0.55 | $0.58 | · | $1.71 | $2.14 | $2.34 | · | $1.59 |
Valuation (TTM)
| Metric | Trend | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Net Income TTM | $129M | $108M | · | $31M | $31M | $28M | · | $14M | $12M | $13M | · | $41M | $52M | $57M | · | $40M | |
| Market Cap | $754M | $517M | · | $435M | $393M | $375M | · | $401M | $349M | $291M | · | $288M | $346M | $335M | · | $388M | |
| P/E | 5.9 | 4.8 | · | 14.3 | 12.8 | 13.5 | · | 27.6 | 27.5 | 21.8 | · | 7.3 | 6.9 | 6.0 | · | 10.1 | |
| P/B | 1.4 | 1.0 | · | 1.1 | 1.0 | 0.9 | · | 1.0 | 1.0 | 0.8 | · | 0.9 | 1.0 | 0.9 | · | 1.2 | |
| P / Tangible Book | 1.4 | 1.0 | · | 1.1 | 1.0 | 0.9 | · | 1.0 | 1.0 | 0.8 | · | 0.9 | 1.0 | 0.9 | · | 1.2 | |
| P / Cash Flow | · | 1.7 | · | · | · | 58.8 | · | · | · | 16.5 | · | · | · | 14.9 | · | · | |
| Dividend Yield | 0.00% | 0.00% | · | 0.00% | 0.00% | 0.00% | · | 0.00% | 0.00% | 0.00% | · | 0.00% | 0.00% | 0.00% | · | 0.00% | |
| Earnings Yield | 17.1% | 20.9% | · | 7.0% | 7.8% | 7.4% | · | 3.6% | 3.6% | 4.6% | · | 13.7% | 14.5% | 16.7% | · | 9.9% | |
| Annual Payout | $0 | $0 | · | $0 | $0 | $0 | · | $0 | $0 | $0 | · | $0 | $0 | $0 | · | $0 |
Most recent period on the left · null values shown as ·
Financial Statements Income statement, balance sheet, cash flow — annual, last 5 years
| Metric | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|---|
| Revenue | $20M | $19M | $17M | $18M | $17M |
| Net Income | $31M | $25M | $23M | $50M | $32M |
| Diluted EPS | $1.38 | $1.06 | $1.00 | $2.03 | $1.19 |
No data for this statement
Not enough fundamentals data to build this statement yet.
| Metric | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|---|
| Free Cash Flow | $32M | $29M | $37M | $65M | $69M |
Institutional owners (13F) 166 filers · $499.6M total · As of Sept. 30, 2026
Institutions that report holding this stock in their quarterly SEC Form 13F. Long positions only; a single filer may appear twice for separate option legs. Large offsetting put/call legs typically reflect market-making or hedged inventory, not directional conviction.
Holders
166
Value held
$499.6M
New positions
51
Exited positions
13
Institutional activity — Q2 2026 vs prior quarter
| New positions | Exited positions | Increased | Decreased | Net shares change |
|---|---|---|---|---|
| 51 (+33 vs prior Q) | 13 (+2 vs prior Q) | 56 (+10 vs prior Q) | 33 (-8 vs prior Q) | +1.8M |
Compared to Q1 2026. SEC Form 13F filings are due within 45 days of quarter-end plus a short buffer for late filers — quarters still inside that window are skipped in favor of the most recent fully-reported pair.
| Institution | Value | Shares | % of tracked 13F | Type |
|---|---|---|---|---|
| BlackRock, Inc. | $61,109,134 | 1,796,799 | 12.23% | Shares |
| DIMENSIONAL FUND ADVISORS LP | $42,719,638 | 1,256,126 | 8.55% | Shares |
| VANGUARD CAPITAL MANAGEMENT LLC | $32,509,377 | 955,877 | 6.51% | Shares |
| STATE STREET CORP | $31,027,663 | 912,310 | 6.21% | Shares |
| VANGUARD GROUP INC | $25,337,769 | 1,288,798 | 5.07% | Shares |
| AMERICAN CENTURY COMPANIES INC | $24,132,411 | 709,568 | 4.83% | Shares |
| LAZARD ASSET MANAGEMENT LLC | $21,791,635 | 640,742 | 4.36% | Shares |
| GEODE CAPITAL MANAGEMENT, LLC | $19,614,923 | 576,614 | 3.93% | Shares |
| KENNEDY CAPITAL MANAGEMENT LLC | $13,062,697 | 384,084 | 2.61% | Shares |
| GOLDMAN SACHS GROUP INC | $12,711,067 | 373,745 | 2.54% | Shares |
| VANGUARD PORTFOLIO MANAGEMENT LLC | $10,265,646 | 301,842 | 2.05% | Shares |
| AQR CAPITAL MANAGEMENT LLC | $10,193,613 | 299,724 | 2.04% | Shares |
| ALGERT GLOBAL LLC | $9,462,024 | 278,213 | 1.89% | Shares |
| Hillsdale Investment Management Inc. | $8,966,975 | 263,657 | 1.79% | Shares |
| MORGAN STANLEY | $7,571,525 | 222,626 | 1.52% | Shares |
| Nuveen, LLC | $6,638,242 | 195,185 | 1.33% | Shares |
| NORTHERN TRUST CORP | $6,455,676 | 189,817 | 1.29% | Shares |
| Russell Investments Group, Ltd. | $6,326,912 | 186,228 | 1.27% | Shares |
| Huber Capital Management LLC | $6,242,637 | 183,553 | 1.25% | Shares |
| Petiole USA ltd | $6,095,340 | 179,222 | 1.22% | Shares |
| TUDOR INVESTMENT CORP ET AL | $5,489,894 | 161,420 | 1.10% | Shares |
| FMR LLC | $5,239,378 | 154,054 | 1.05% | Shares |
| VANGUARD FIDUCIARY TRUST CO | $5,041,132 | 148,225 | 1.01% | Shares |
| HOTCHKIS & WILEY CAPITAL MANAGEMENT LLC | $4,910,636 | 144,388 | 0.98% | Shares |
| DIVERSIFIED TRUST CO | $4,821,325 | 141,762 | 0.96% | Shares |
| BRIDGEWAY CAPITAL MANAGEMENT, LLC | $4,818,639 | 141,683 | 0.96% | Shares |
| BASSWOOD CAPITAL MANAGEMENT, L.L.C. | $4,476,022 | 131,609 | 0.90% | Shares |
| TWO SIGMA INVESTMENTS, LP | $3,625,126 | 106,590 | 0.73% | Shares |
| BANK OF AMERICA CORP /DE/ | $3,616,284 | 106,330 | 0.72% | Shares |
| MALTESE CAPITAL MANAGEMENT LLC | $3,571,050 | 105,000 | 0.71% | Shares |
| Trexquant Investment LP | $3,414,502 | 100,397 | 0.68% | Shares |
| Empowered Funds, LLC | $3,309,105 | 97,298 | 0.66% | Shares |
| Creative Planning | $3,280,740 | 96,464 | 0.66% | Shares |
| FIRST TRUST ADVISORS LP | $3,170,616 | 93,226 | 0.63% | Shares |
| MARTINGALE ASSET MANAGEMENT L P | $3,125,485 | 91,899 | 0.63% | Shares |
| MACKENZIE FINANCIAL CORP | $3,058,281 | 89,923 | 0.61% | Shares |
| SEGALL BRYANT & HAMILL, LLC | $2,989,649 | 87,905 | 0.60% | Shares |
| STATE OF WISCONSIN INVESTMENT BOARD | $2,908,161 | 85,509 | 0.58% | Shares |
| Invesco Ltd. | $2,879,218 | 84,658 | 0.58% | Shares |
| Aquatic Capital Management LLC | $2,758,313 | 81,103 | 0.55% | Shares |
| PRUDENTIAL FINANCIAL INC | $2,692,742 | 79,175 | 0.54% | Shares |
| Bank of New York Mellon Corp | $2,432,946 | 71,536 | 0.49% | Shares |
| MASSACHUSETTS FINANCIAL SERVICES CO /MA/ | $2,287,717 | 67,266 | 0.46% | Shares |
| CHARLES SCHWAB INVESTMENT MANAGEMENT INC | $2,154,295 | 63,343 | 0.43% | Shares |
| Oppenheimer & Close, LLC | $2,125,625 | 62,500 | 0.43% | Shares |
| FIRST MANHATTAN CO. LLC. | $2,040,600 | 60,000 | 0.41% | Shares |
| AMERIPRISE FINANCIAL INC | $1,968,839 | 57,890 | 0.39% | Shares |
| ARROWSTREET CAPITAL, LIMITED PARTNERSHIP | $1,812,699 | 53,299 | 0.36% | Shares |
| STIFEL FINANCIAL CORP | $1,709,206 | 50,256 | 0.34% | Shares |
| UBS Group AG | $1,497,801 | 44,040 | 0.30% | Shares |
Company insiders 23 insiders · 7 officers · 15 directors
| Insider | Role | Last activity | Shares owned | Buys 12m | Sells 12m | Net 12m |
|---|---|---|---|---|---|---|
| Litz H Van Dyke | CHIEF EXECUTIVE OFFICER | June 30, 2026 A | 79,767 | 0 | 0 | $0 |
| Wendy S. Bell | SENIOR EXECUTIVE VP, CFO | June 30, 2026 A | 46,651 | 0 | 0 | $0 |
| Bradford N. Langs | PRESIDENT, CHIEF STRATEGY OFCR | July 30, 2026 S | 33,242 | 0 | 2 | $-231,935 |
| Matthew M. Speare | SEVP, CHIEF OPERATING OFFICER | June 30, 2026 A | 31,798 | 0 | 0 | $0 |
| Arthur Loran Adams | EVP, DIRECTOR OF REG RISK MNGT | June 30, 2026 A | 16,302 | 0 | 0 | $0 |
| Jane Ann Davis | EVP, CHIEF ADMIN. OFFICER | June 30, 2026 A | 17,327 | 0 | 0 | $0 |
| Tony E Kallsen | SEVP, CHIEF CREDIT OFFICER | June 30, 2026 A | 26,091 | 0 | 0 | $0 |
| Catharine L. Midkiff | Director | Sept. 11, 2026 S | 16,856 | 0 | 2 | $-62,500 |
| Robert M. Bolton | Director | July 30, 2026 S | 55,000 | 0 | 2 | $-84,654 |
| Elizabeth L. Walsh | Director | May 8, 2026 G | 58,028 | 1 | 0 | $119,865 |
| James W. Haskins | Director | May 5, 2026 S | 62,702 | 0 | 1 | $-26,040 |
| Jacob A Lutz III | Director | Jan. 2, 2026 A | 19,690 | 0 | 0 | $0 |
| Curtis E Stephens | Director | Jan. 2, 2026 A | 9,032 | 0 | 0 | $0 |
| Kevin S. Bloomfield | Director | Jan. 2, 2026 A | 18,220 | 0 | 0 | $0 |
| Michael R Bird | Director | Jan. 2, 2026 A | 16,576 | 0 | 0 | $0 |
| Phyllis Q. Karavatakis | Director | Jan. 2, 2026 A | 21,695 | 0 | 0 | $0 |
| Edward Warren Matthews | Director | Jan. 2, 2025 A | 18,611 | 0 | 0 | $0 |
| Lanny A. Kyle Jr. | Director | Feb. 14, 2023 A | 72,484 | 0 | 0 | $0 |
| Joseph E. Pigg | Director | June 23, 2021 D | 172,614 | 0 | 0 | $0 |
| Chester A Gallimore | Director | June 23, 2021 D | 7,429 | 0 | 0 | $0 |
| Charles E Hall | Director | Feb. 25, 2021 A | 36,357 | 0 | 0 | $0 |
| Gregory W Feldmann | · | Aug. 4, 2026 G | 16,921 | 0 | 0 | $0 |
| Robert W Conner | · | Feb. 14, 2023 A | 75,962 | 0 | 0 | $0 |
Insiders from SEC Form 3/4/5 filings; net = open-market P/S only
ETF ownership Held by 33 ETFs
Weight reflects direct equity holdings (N-PORT) only; leveraged or derivative-based funds may hold additional swap exposure not shown.
| Fund | Weight | Units | As of | Source |
|---|---|---|---|---|
| MYLD · Cambria ETF Trust | 1.01% | 9,935 NS | July 31, 2026 | N-PORT |
| JSML · Janus Detroit Street Trust | 0.94% | 98,811 NS | July 31, 2026 | N-PORT |
| DWAS · Invesco Exchange-Traded Fund Trust … | 0.38% | 50,706 SH | Oct. 2, 2026 | Daily |
| VFMF · VANGUARD WELLINGTON FUND | 0.23% | 47,211 SH | Aug. 19, 2026 | Daily |
| DPST · Direxion Shares ETF Trust | 0.18% | 22,829 NS | July 31, 2026 | N-PORT |
| IWC · iShares Trust | 0.17% | 76,614 SH | Sept. 11, 2026 | Daily |
| VFQY · VANGUARD WELLINGTON FUND | 0.15% | 21,152 SH | Aug. 19, 2026 | Daily |
| EBIT · Harbor ETF Trust | 0.09% | 319 NS | July 31, 2026 | N-PORT |
| DFSV · Dimensional ETF Trust | 0.04% | 103,929 NS | July 31, 2026 | N-PORT |
| VTWV · VANGUARD SCOTTSDALE FUNDS | 0.04% | 15,889 SH | Aug. 19, 2026 | Daily |
| DFAT · Dimensional ETF Trust | 0.04% | 146,447 NS | July 31, 2026 | N-PORT |
| OMFS · Invesco Exchange-Traded Self-Indexe… | 0.03% | 2,324 SH | Oct. 2, 2026 | Daily |
| PRFZ · Invesco Exchange-Traded Fund Trust | 0.03% | 22,770 SH | Oct. 2, 2026 | Daily |
| RSSL · Global X Funds | 0.02% | 10,615 NS | July 31, 2026 | N-PORT |
| IWM · iShares Trust | 0.02% | 592,990 SH | Sept. 11, 2026 | Daily |
| VTWO · VANGUARD SCOTTSDALE FUNDS | 0.02% | 128,298 SH | Aug. 19, 2026 | Daily |
| DFAS · Dimensional ETF Trust | 0.02% | 73,726 NS | July 31, 2026 | N-PORT |
| ISCF · iShares Trust | 0.01% | 25,980 SH | Sept. 11, 2026 | Daily |
| VXF · VANGUARD INDEX FUNDS | 0.01% | 256,811 SH | Aug. 19, 2026 | Daily |
| VTWG · VANGUARD SCOTTSDALE FUNDS | 0.01% | 4,285 SH | Aug. 19, 2026 | Daily |
| VFH · VANGUARD WORLD FUND | 0.01% | 34,412 SH | Aug. 19, 2026 | Daily |
| IWO · iShares Trust | 0.01% | 39,077 SH | Sept. 11, 2026 | Daily |
| DFAC · Dimensional ETF Trust | 0.00% | 50,745 NS | July 31, 2026 | N-PORT |
| DXUV · Dimensional ETF Trust | 0.00% | 534 NS | July 31, 2026 | N-PORT |
| DCOR · Dimensional ETF Trust | 0.00% | 2,652 NS | July 31, 2026 | N-PORT |
| ITOT · iShares Trust | 0.00% | 54,746 SH | Sept. 11, 2026 | Daily |
| DFSU · Dimensional ETF Trust | 0.00% | 1,073 NS | July 31, 2026 | N-PORT |
| IWV · iShares Trust | 0.00% | 8,536 SH | Sept. 3, 2026 | Daily |
| DFAU · Dimensional ETF Trust | 0.00% | 4,744 NS | July 31, 2026 | N-PORT |
| DFUS · Dimensional ETF Trust | 0.00% | 6,506 NS | July 31, 2026 | N-PORT |
| VTI · VANGUARD INDEX FUNDS | 0.00% | 676,578 SH | Aug. 19, 2026 | Daily |
| VTHR · VANGUARD SCOTTSDALE FUNDS | 0.00% | 2,003 SH | Aug. 19, 2026 | Daily |
| IWN · iShares Trust | · | 175,744 SH | Sept. 11, 2026 | Daily |
CARE Analyst Consensus Bullish and bearish analyst opinions, 12-month price target, upside
rating · 11 analysts
BUY
Median target
$35.00
+13.8%
3 27.3%
Strong Buy
4 36.4%
Buy
4 36.4%
Hold
0 0.0%
Sell
0 0.0%
Strong Sell
12-Month Price Target
3 analysts · 2026-10-02Mean target $35.08 +14.1%
← Below all targets
Current price $30.75
Low$34.50
Mean$35.08
High$35.75
Peer comparison (GICS sub-industry) Key metrics vs sector peers
FY basis, prices as of each company's last fiscal year-end close.
| Ticker | Market Cap | P/E | Rev YoY | Net Margin | ROE | Gross Margin |
|---|---|---|---|---|---|---|
| CARE | $434M | 14.2 | 4.7% | 154.4% | 7.6% | · |
| NWFL | $267M | 9.3 | 8.1% | 347.0% | 11.9% | · |
| NECB | $316M | 7.0 | -0.71% | 42.4% | 12.9% | · |
| TSBK | $263M | 9.1 | 9.6% | 35.3% | 11.3% | · |
| FSBW | $309M | 9.6 | 44.8% | 21.8% | 11.0% | · |
| AVBH | $291M | -11.8 | -61.9% | -63.2% | -8.1% | · |
| BCML | $320M | 13.5 | 3.1% | 23.8% | 7.1% | · |
My Metrics Your personal watchlist — selected rows from Full Fundamentals
Pick the metrics that matter to you — click the + next to any row in Full Fundamentals above.
Your selection is saved and follows you across all tickers.
Source: SEC 10-Q filed Aug 6, 2026