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Carter Bankshares, Inc. CARE Accretion (Amortization) of Discounts and Premiums, Investments

Accretion (Amortization) of Discounts and Premiums, Investments at other companies

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Bank of AmericaBAC
$200M+135%
Shore Bancshares logo
Shore BancsharesSHBI
$69K+292%
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Eagle BancorpEGBN
-$1.11M+4.2%
Southern First Bancshares logo
Southern First BancsharesSFST
$104K+203%
City Holding Company logo
City Holding CompanyCHCO
-$1.72M+23.3%
Capitol Federal Financial logo
Capitol Federal FinancialCFFN
$861K+9.5%

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:AccretionAmortizationOfDiscountsAndPremiumsInvestments.

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 accretion (amortization) of discounts and premiums, investments?
Carter Bankshares, Inc. (CARE) reported accretion (amortization) of discounts and premiums, investments of -$629K in Q1 2026.
How has Carter Bankshares, Inc.'s accretion (amortization) of discounts and premiums, investments changed year-over-year?
Carter Bankshares, Inc.'s accretion (amortization) of discounts and premiums, investments increased by 28.1% year-over-year, from -$875K to -$629K.
What is the long-term trend for Carter Bankshares, Inc.'s accretion (amortization) of discounts and premiums, investments?
Over 4 years (2021 to 2025), Carter Bankshares, Inc.'s accretion (amortization) of discounts and premiums, investments has grown at a -9.8% compound annual growth rate (CAGR), from -$4.8M to -$3.17M.
What does accretion (amortization) of discounts and premiums, investments mean?
Reflects the non-cash adjustment to interest income resulting from the amortization of premiums or the accretion of discounts on investment securities held by the bank. This adjustment aligns the carrying value of securities with their par value over the life of the instrument. It provides insight into the effective yield of the investment portfolio relative to the stated coupon rates.