Carter Bankshares, Inc.

NASDAQ•CARE

執行長: Mr. Litz H. Van Dyke

板塊: Financial Services

行業: Banks - Regional

上市日期: 2007-03-15

Carter Bankshares, Inc. operates as the bank holding company for Carter Bank & Trust that provides various banking products and services in the United States. It accepts various deposit products, including checking, savings, retirement, and money market accounts, as well as certificates of deposit. The company also offers commercial loans comprising secured and unsecured 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; real estate construction, acquisition, commercial, and industrial loans; home equity lines of credit; and credit cards, as well as originates and holds fixed and variable rate mortgage loans. In addition, it provides other banking services that include safe deposit boxes, direct deposit of payroll, and social security checks; online banking products, including online and mobile banking, online account opening, bill pay, e-statement, mobile deposit, digital wallet, 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.

聯絡資訊

1300 Kings Mountain Road, Martinsville, VA, 24112, United States

276-656-1776

www.carterbank.com

市值

$458.53M

本益比 (TTM)

14.5

13.9

股息率

52周最高

$22.51

52周最低

$13.61

52周範圍

80%

排名49Top 66.7%

3.2

F-Score

改良版 Piotroski 分析

基於 10 年期基本面

疲弱 • 3.2 / 9 分

評分區間 (0-9)

8-9: 價值優異

6-7: 基本面強勁

4-5: 整體穩健

0-3: 表現疲弱

資料區間: 2016-2025

財務儀表板

Q4 2025 數據

營業收入

$64.52M+5.95%

近4季度走勢

每股收益

$0.39+8.33%

近4季度走勢

自由現金流

$7.11M+0.00%

近4季度走勢

2025 Annual 財報亮點

核心亮點

Strong Net Interest Income Growth Net Interest Income reached $130.8M in 2025, a 14.3% increase, driven by higher loan yields and asset growth.

Asset Quality Shows Improvement Nonperforming Loans declined to $244.0M (6.29% ratio) by year-end 2025; provision for credit losses resulted in a net recovery of $3.6M.

Portfolio Loans Increased 7.0% Total portfolio loans grew by $254.7M, reaching $3.9B, supported by strong production in CRE and C&I sectors.

Capital Ratios Remain Strong CET1 ratio stood at 10.70% and Leverage Ratio at 9.43% as of December 31, 2025, well above required regulatory thresholds.

關注風險

CRE Loan Portfolio Concentration Nearly 55% of portfolio loans are CRE, exposing results to adverse real estate market conditions and localized downturns.

Largest Credit Relationship Risk The largest credit relationship comprises 87.7% of NPLs; recovery timing and ultimate collection remain uncertain despite monitoring.

Interest Rate Sensitivity Exposure Balance sheet is slightly liability sensitive; rapid shifts in interest rates or yield curve shape could compress NIM and affect earnings.

Cybersecurity and Technology Failure Reliance on IT systems and third-party providers creates risk of disruption, data breaches, or operational failure impacting reputation and liquidity.

未來展望

Prudent Growth Strategy Focus Management plans to prioritize organic growth supported by strong capital, while continuing resolution efforts on nonaccrual loans.

Managing Funding Cost Structure Strategy focuses on stable deposits, but FHLB borrowings increased significantly by $108.5M to support loan growth needs.

Evolving Regulatory Landscape The regulatory framework continues to evolve, potentially increasing compliance costs, operational constraints, and supervisory scrutiny.

Capital Allocation Priorities Company retains earnings for regulatory compliance and technology investments; no historical common stock dividends paid to shareholders.

同行對比

營業收入 (TTM)

KRNY

$343.87M

-1.6%

PFIS

$281.36M

+22.4%

FBIZ

$279.25M

+6.4%

毛利率 (最新季度)

NFBK

314.9%

+0.0pp

NRIM

82.9%

+5.0pp

BSRR

79.3%

+0.0pp

關鍵指標

股票代碼	市值	本益比 (TTM)	股東權益報酬率 (TTM)	負債率
RRBI	$592.22M	13.5	12.3%	0.0%
NFBK	$558.38M	667.3	0.1%	17.7%
AROW	$542.44M	12.3	10.6%	0.7%

長期趨勢

近4季度

營業收入

淨利

營運現金流

4季度營業收入複合增長率

1.4%

溫和增長

4季度淨利複合增長率

-1.8%

盈利能力基本穩定

現金流穩定性

100%

現金流表現優異

深度研究

下次財報:2026年4月22日

每股收益:-

營業收入:-

財務數據

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現金流量表

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變化率

損益表	過去12個月

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