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Carter Bankshares, Inc. CARE Q4 2025 Annual earnings

Reported January 29, 2026 · Before market open

Revenue$39.8MMiss by $829.0K
EPS$0.41Beat by $0.08
Revenue estimate$40.7M
EPS estimate$0.33

Next report

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

Financials

Q4 2025

Income statement

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Revenue$39.8M+15.4%
Net income$8.5M+2.4%
EPS (diluted)$0.38+5.6%

Balance sheet

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Total debt$10.9M+5.0%
Total equity$419.7M+9.2%
Total assets$4.9B+4.1%

Cash flow

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Operating cash flow$12.1M+5.4%
CapEx$3.1M-1.9%
Free cash flow$9.0M+8.2%

Valuation & ratios

Valuation

as of 12/31/25
See full
Market cap$434.23M+7.0%
Enterprise value$445.16M+6.9%
P/E13.8×-2.7×
P/S2.8×-0.2×

Profitability

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Net margin20.5%+2.4pp
FCF margin20.8%—

Returns & leverage

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Return on equity7.8%+1.1pp
Debt / equity0×0.0×

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 $13.6M
Q4 2025$39.8MMiss by $829.0K
Q3 2025$38.1MMiss by $2.6MQ2 2025$39.9MBeat by $1.3MQ1 2025$36.0MMiss by $3.1M

Diluted EPS

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

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Questions, answered.

When did Carter Bankshares, Inc. report Q4 2025 earnings?
Carter Bankshares, Inc. (CARE) reported Q4 2025 earnings on January 29, 2026 before market open.
What were Carter Bankshares, Inc.'s Q4 2025 revenue and EPS?
Carter Bankshares, Inc. reported revenue of $39.8M and eps of $0.41 for Q4 2025.
Did Carter Bankshares, Inc. beat estimates in Q4 2025?
Revenue missed the consensus estimate of $40.7M by $829.0K. EPS beat the consensus estimate of $0.33 by $0.08.
How did Carter Bankshares, Inc.'s Q4 2025 results compare year-over-year?
Compared to the same quarter a year prior, revenue grew 18.7% from $33.5M a year earlier and eps grew 10.8% from $0.37.
Where can I find Carter Bankshares, Inc.'s Q4 2025 SEC filings?
You can read the 8-K earnings release (0001829576-26-000007) and the 10-K periodic report (0001829576-26-000018) directly on SEC EDGAR. The filing index links above go to sec.gov.