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Carter Bankshares, Inc. CARE Q1 2025 earnings

Reported April 24, 2025 · Before market open

Revenue$36.0MMiss by $3.1M
EPS$0.32Beat by $0.02
Revenue estimate$39.2M
EPS estimate$0.30

Next report

Oct 22, 2026 (in 3 months)
Revenue estimate$47.2M
EPS estimate$0.53

Financials

Q1 2025

Income statement

See full
Revenue$37.0M+10.7%
Net income$9.0M+54.1%
EPS (diluted)$0.39+56.0%

Balance sheet

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Total equity$401.8M+11.9%
Total assets$4.7B+3.2%

Cash flow

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Operating cash flow$6.4M-63.8%
CapEx$1.5M+16.7%
Free cash flow$4.9M-70.3%

Valuation & ratios

Valuation

as of 03/31/25
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Market cap$374.26M+30.0%
P/E13.5×-5.5×
P/S2.7×+0.4×

Profitability

See full
Net margin19.8%+8.1pp

Returns & leverage

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Return on equity7.3%+3.0pp

Segments

By product

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Service Charges on Deposit Accounts$1.5M-0.5%
Other Fees and Other Income$956.5K+92.9%
Annual Commission on Investment$618.8K-28.8%
Customer Commissions$48.8K+17.5%
Special Production Payout$14.5K+34.9%

Versus estimates

Revenue

Q2 2026$68.7MBeat by $12.8MQ1 2026$106.9MMiss by $13.6MQ4 2025$39.8MMiss by $829.0KQ3 2025$38.1MMiss by $2.6MQ2 2025$39.9MBeat by $1.3M
Q1 2025$36.0MMiss by $3.1M

Diluted EPS

Q2 2026$1.31Miss by $0.13Q1 2026$0.40Miss by $3.51Q4 2025$0.41Beat by $0.08Q3 2025$0.26Miss by $0.13Q2 2025$0.41Beat by $0.10
Q1 2025$0.32Beat by $0.02

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Questions, answered.

When did Carter Bankshares, Inc. report Q1 2025 earnings?
Carter Bankshares, Inc. (CARE) reported Q1 2025 earnings on April 24, 2025 before market open.
What were Carter Bankshares, Inc.'s Q1 2025 revenue and EPS?
Carter Bankshares, Inc. reported revenue of $36.0M and eps of $0.32 for Q1 2025.
Did Carter Bankshares, Inc. beat estimates in Q1 2025?
Revenue missed the consensus estimate of $39.2M by $3.1M. EPS beat the consensus estimate of $0.30 by $0.02.
How did Carter Bankshares, Inc.'s Q1 2025 results compare year-over-year?
Compared to the same quarter a year prior, revenue grew 10.2% from $32.7M a year earlier and eps grew 28.0% from $0.25.
Where can I find Carter Bankshares, Inc.'s Q1 2025 SEC filings?
You can read the 10-Q periodic report (0001829576-25-000039) directly on SEC EDGAR. The filing index links above go to sec.gov.