What is Carter Bankshares, Inc.'s free cash flow margin?

Carter Bankshares, Inc. (CARE) reported free cash flow margin of 147.6% in Q1 2026.

What is the long-term trend for Carter Bankshares, Inc.'s free cash flow margin?

Over 4 years (2020 to 2025), Carter Bankshares, Inc.'s free cash flow margin has grown at a 7.9% compound annual growth rate (CAGR), from -15.3% to 20.8%.

What does free cash flow margin mean?

Free cash flow (operating cash flow minus capital expenditures) as a percentage of revenue, trailing twelve months. Measures how efficiently revenue converts into discretionary cash.

Carter Bankshares, Inc. CARE Free cash flow margin

Free cash flow margin at other companies

Shore BancsharesSHBI

28.9%—

Eagle BancorpEGBN

53.8%+5.9pp

Southern First BancsharesSFST

28.1%-9.9pp

Mercantile Bank CorporationMBWM

17%—

City Holding CompanyCHCO

42.2%-1.4pp

Capitol Federal FinancialCFFN

30.3%—

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

Returns & leverage

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Return on equity23.9%+16.6pp

Debt / equity0×0.0×

Where this comes from

Calculated from Carter Bankshares, Inc.’s reported figures.

free cash flow/total revenue=147.6%

Based on trailing twelve months.

The official record: Carter Bankshares, Inc.’s 10-Q, filed May 7, 2026, on SEC EDGAR. View the filing →

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Questions, answered.

What is Carter Bankshares, Inc.'s free cash flow margin?: Carter Bankshares, Inc. (CARE) reported free cash flow margin of 147.6% in Q1 2026.
What is the long-term trend for Carter Bankshares, Inc.'s free cash flow margin?: Over 4 years (2020 to 2025), Carter Bankshares, Inc.'s free cash flow margin has grown at a 7.9% compound annual growth rate (CAGR), from -15.3% to 20.8%.
What does free cash flow margin mean?: Free cash flow (operating cash flow minus capital expenditures) as a percentage of revenue, trailing twelve months. Measures how efficiently revenue converts into discretionary cash.