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Reported July 24, 2025 · Before market open

Revenue$39.9MBeat by $1.3M
EPS$0.41Beat by $0.10
Revenue estimate$38.6M
EPS estimate$0.31

Next report

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

Financials

Q2 2025

Income statement

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Revenue$37.3M+10.8%
Net income$8.5M+77.2%
EPS (diluted)$0.37+76.2%

Balance sheet

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Total equity$405.6M+11.3%
Total assets$4.8B+5.6%

Cash flow

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Operating cash flow$9.6M
CapEx$1.9M+5.9%
Free cash flow$7.7M

Valuation & ratios

Valuation

as of 06/30/25
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Market cap$398.8M+15.8%
P/E12.7×-11.5×
P/S2.8×+0.1×

Profitability

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Net margin21.9%+11.0pp
FCF margin20.5%

Returns & leverage

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Return on equity8.1%+4.1pp

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

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Questions, answered.

When did Carter Bankshares, Inc. report Q2 2025 earnings?
Carter Bankshares, Inc. (CARE) reported Q2 2025 earnings on July 24, 2025 before market open.
What were Carter Bankshares, Inc.'s Q2 2025 revenue and EPS?
Carter Bankshares, Inc. reported revenue of $39.9M and eps of $0.41 for Q2 2025.
Did Carter Bankshares, Inc. beat estimates in Q2 2025?
Revenue beat the consensus estimate of $38.6M by $1.3M. EPS beat the consensus estimate of $0.31 by $0.10.
How did Carter Bankshares, Inc.'s Q2 2025 results compare year-over-year?
Compared to the same quarter a year prior, revenue grew 21.7% from $32.8M a year earlier and eps grew 95.2% from $0.21.
Where can I find Carter Bankshares, Inc.'s Q2 2025 SEC filings?
You can read the 10-Q periodic report (0001829576-25-000057) directly on SEC EDGAR. The filing index links above go to sec.gov.