Carter Bankshares, Inc. (CARE) intrinsic value & 10-year financials
Carter Bankshares, Inc. (CARE) has a Graham intrinsic value of $22.84 per share. At $30.21 on Oct 17, 2026, the stock trades 32% above that value. Over the last 8 fiscal years revenue grew 8.0% a year to $20.3M, with an average return on invested capital of 5.5%.
- Graham intrinsic value
- $22.84
- Share price (Oct 17, 2026)
- $30.21
- Price vs Graham value
- 32% above
- Market cap
- $678.4M
- Revenue (FY2025)
- $20.3M
- Revenue growth (8-yr CAGR)
- 8.0%
- ROIC (10-yr avg)
- 5.5%
- Free cash flow (FY2025)
- $31.8M
CARE 10-year financial history
| Fiscal year | Revenue | Net income | EPS (diluted) | Free cash flow | Operating margin | ROIC |
|---|---|---|---|---|---|---|
| FY2025 | $20.3M | $31.4M | $1.38 | $31.8M | — | 7.8% |
| FY2024 | $19.4M | $24.5M | $1.06 | $28.8M | — | 6.7% |
| FY2023 | $17.3M | $23.4M | $1.00 | $36.9M | — | 6.9% |
| FY2022 | $19.1M | $50.1M | $2.03 | $64.9M | — | 13.6% |
| FY2021 | $19.9M | $31.6M | $1.19 | $69.1M | — | 7.5% |
| FY2020 | $18.0M | -$45.9M | -$1.74 | -$2.4M | — | -10.0% |
| FY2019 | $12.8M | $26.6M | $1.01 | $29.8M | — | 5.8% |
| FY2018 | — | — | — | — | — | — |
Source: annual 10-K filings on SEC EDGAR. Figures in USD.
Executive summary
Carter Bankshares, Inc. revenue growth over the past decade is N/A; insufficient history prevents a reliable 10-year CAGR calculation.
Carter Bankshares, Inc. 10-year average ROIC is N/A; capital efficiency cannot be assessed from the available history.
Carter Bankshares, Inc. capital allocation metrics are N/A for the decade; share count and net debt history are incomplete.
Benjamin Graham lens
Under Benjamin Graham's formula using SEC EDGAR fundamentals, Carter Bankshares, Inc. is modeled at 5.3% normalized earnings growth with a 5.1% bond-yield adjustment. The resulting Graham intrinsic value estimate is $22.84 per share.