NASDAQ · NATIONAL COMMERCIAL BANKS · MID CAP
Carter Bankshares, Inc. CARE
7 fiscal years on record · USD · FY2025 reported
SEC FILINGS ONLY
Revenue · FY2025
$20.3M
▲ 4.6% vs FY2024
EPS · FY25
$1.38
Dividend / sh · FY25
—
Payout · FY25
—
ROE · FY25
7.8%
Net margin · FY25
154.4%
Dividend coverage
-12.4×
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Result
USD 20.3M
Revenue, FY2025 · full 7-year series below
Revenue
Net income
154 cents of every revenue dollar became profit this year.
Per share
USD 1.38
Diluted EPS, FY2025
EPS
Dividend
The dividend was paid in a year without profit.
Profitability
7.8%
Return on equity, FY2025
ROE
Operating margin196.9%
Net margin154.4%
Return on assets0.7%
Each USD of equity produced 8 cents of profit this year.
Returned to shareholders
USD 20.0M
returned in FY2025 · dividends + net buybacks
Dividends paid—
Net buybacksUSD 20.0M
Share of profit63.8%
Consecutive raises—
USD 20.0M in buybacks — 64% of the year's profit went back to shareholders.
Growth
+2.5% a year
revenue, compounded over five years
CAGR
3 yrs
5 yrs
10 yrs
15 yrs
Revenue
+3.5%
+2.5%
Net income
−14.5%
EPS, diluted
−12.1%
Returned to shareholders
−22.5%
+40.2%
Compound annual rates per period — left blank where the series crosses a loss.
Share base
0.02B
Shares outstanding, FY2025
Change, 5 years−16.3%
Change, 10 years—
The share count shrank 16% in five years — the same company, cut into fewer, larger slices.
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Balance sheet
USD 4.9B
total assets, end of FY2025
Total assetsUSD 4.9B
EquityUSD 419.7M
CashUSD 105.2M
DepositsUSD 4.2B
Equity funds 9% of total assets.
History
7 fiscal years
Every figure from documents filed with the SEC · USD
Metric
2025
2024
2023
2022
2021
2020
2019
Revenue $B
0.0
0.0
0.0
0.0
0.0
0.0
0.0
Operating income $B
0.0
0.0
0.0
0.1
0.0
−0.0
0.0
EBITDA $B
0.0
0.0
0.0
0.1
0.0
−0.0
0.0
Income tax $B
0.0
0.0
0.0
0.0
0.0
0.0
0.0
Net income $B
0.0
0.0
0.0
0.1
0.0
−0.0
0.0
EPS, diluted $
1.38
1.06
1.00
2.03
1.19
−1.74
1.01
Dividend / sh $
·
·
·
·
·
0.14
·
Payout %
·
·
·
0
0
−8
0
ROE %
7.8
6.7
6.9
13.6
7.5
−10.0
5.6
Shares out B
0.02
0.02
0.02
0.02
0.03
0.03
·
Slide the table for earlier years · "·" marks figures not disclosed in the filing for that year.
How we verifyAUDITED
13 of 13
checks passed before publication
EPS recomputationBalance-sheet identityGross profitBalance-sheet liquidity
Every figure was compared against the original statement: 0 failures and 0 presentation gaps.
What we don’t show
We’d rather say what’s missing than fill the gap with an estimate.
P/E rationeeds a market quote — not yet licensed
Market capitalizationneeds a market quote — not yet licensed
Dividend yieldneeds a market quote — not yet licensed
Price-to-bookneeds a market quote — not yet licensed