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Carter Bank and Trust
NASDAQ:CARE

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Carter Bank and Trust
NASDAQ:CARE
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Price: 25.2 USD 1.61% Market Closed
Market Cap: $558.4m

P/E

18
Current
28%
More Expensive
vs 3-y average of 14

Price to Earnings (P/E) ratio shows how much investors pay for each dollar of a company`s earnings. It`s calculated by dividing the company`s market value by its total earnings.

P/E
18
=
Market Cap
$516.7m
/
Net Income
$31m

Price to Earnings (P/E) ratio shows how much investors pay for each dollar of a company`s earnings. It`s calculated by dividing the company`s market value by its total earnings.

P/E
18
=
Market Cap
$516.7m
/
Net Income
$31m

Valuation Scenarios

Carter Bank and Trust is trading above its 3-year average

If P/E returns to its 3-Year Average (14), the stock would be worth $19.72 (22% downside from current price).

Statistics
Positive Scenarios
1/4
Maximum Downside
-28%
Maximum Upside
+27%
Average Downside
12%
Scenario P/E Value Implied Price Upside/Downside
Current Multiple 18 $25.2
0%
3-Year Average 14 $19.72
-22%
5-Year Average 13 $18.25
-28%
Industry Average 13.5 $18.92
-25%
Country Average 22.9 $32.1
+27%

Forward P/E
Today’s price vs future net income

Today's Market Cap Net Income Forward P/E
$516.7m
/
Jan 2026
$31m
=
18
Current
$516.7m
/
Dec 2026
$124.1m
=
4.2
Forward
$516.7m
/
Dec 2027
$56.5m
=
9.1
Forward
$516.7m
/
Dec 2028
$64.6m
=
8
Forward

Forward P/E shows whether today’s P/E still looks high or low once future net income are taken into account.

Market Distribution

In line with most companies in the United States of America
Percentile
38th
Based on 8 489 companies
38th percentile
18
Low
0 — 15.3
Typical Range
15.3 — 33.2
High
33.2 —
Distribution Statistics
the United States of America
Min 0
30th Percentile 15.3
Median 22.9
70th Percentile 33.2
Max 1 826 183.3

Other Multiples

Carter Bank and Trust
Glance View

Market Cap
558.4m USD
Industry
Banking

Carter Bankshares, Inc. operates as a bank holding company, which offers deposit accounts, online account opening, and commercial, small business, and personal loan products and services. The company is headquartered in Martinsville, Virginia and currently employs 828 full-time employees. The company went IPO on 2007-02-28. The Bank provides a range of financial services with retail, and commercial banking products and insurance. The Bank offers a range of deposit accounts, including LIFETIME FREE CHECKING, interest checking accounts, savings accounts, retirement accounts and other deposit accounts of various types, ranging from money market accounts to longer-term certificates of deposits (CDs). The Bank also offers a range of commercial and personal loans. Its commercial loans include both secured and unsecured loans. Consumer loans include residential mortgage, secured and unsecured loans for financing automobiles, home improvements, education, overdraft protection, personal investments and credit cards. Its other bank services include safe deposit boxes, direct deposit of payroll and social security checks and debit cards.

CARE Intrinsic Value
30.29 USD
Undervaluation 17%
Intrinsic Value
Price $25.2
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