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Carter Bankshares, Inc. CARE Customer Commissions — In-Scope Revenue Streams

Other product segments

Service Charges on Deposit Accounts
$5.83M-0.5%
Other Fees and Other Income
$3.83M+92.9%
Annual Commission on Investment
$2.48M-28.8%
Special Production Payout
$58K+34.9%

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$7.5M+2.6%
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IBCPInvestment and Insurance Commissions — Revenue from contracts with customers
$809K+7.4%

Other financials

Income statement

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Revenue$106.9M+189%
Net income$85.8M+858%
EPS (diluted)$3.88+895%

Balance sheet

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Cash & equivalents$65.7M-70.9%
Total debt$10.9M+5.0%
Total equity$504.9M+25.7%
Total assets$4.8B+2.1%

Cash flow

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Operating cash flow$303.9M+4,667%
CapEx$1.5M+0.9%
Free cash flow$302.4M+6,131%

Valuation

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Market cap$726.22M+90.6%
P/E6.7×-7.1×
P/S3.3×+0.5×

Profitability

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Net margin48.5%+28.6pp
FCF margin147.6%

Returns & leverage

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Return on equity23.9%+16.6pp
Debt / equity0.0×

Where this comes from

Reported directly by Carter Bankshares, Inc. in its filing.

Tagged under the XBRL concept us-gaap:RevenueFromContractWithCustomerExcludingAssessedTax.

The official record: Carter Bankshares, Inc.’s 10-K, filed March 5, 2026, on SEC EDGAR. View the filing →

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Questions, answered.

What is Carter Bankshares, Inc.'s customer commissions — in-scope revenue streams?
Carter Bankshares, Inc. (CARE) reported customer commissions — in-scope revenue streams of $48.75K in Q4 2025.
How has Carter Bankshares, Inc.'s customer commissions — in-scope revenue streams changed year-over-year?
Carter Bankshares, Inc.'s customer commissions — in-scope revenue streams increased by 17.5% year-over-year, from $41.5K to $48.75K.
What is the long-term trend for Carter Bankshares, Inc.'s customer commissions — in-scope revenue streams?
Over 4 years (2021 to 2025), Carter Bankshares, Inc.'s customer commissions — in-scope revenue streams has grown at a 21.0% compound annual growth rate (CAGR), from $91K to $195K.
What does customer commissions — in-scope revenue streams mean?
This metric represents the total revenue generated from fees and commissions charged to customers for specific financial services and account-related activities. It reflects the bank's ability to monetize its service offerings beyond traditional interest income, serving as a key indicator of non-interest income performance. Growth in this area highlights the bank's success in deepening customer relationships and expanding its fee-based product ecosystem.