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Carter Bankshares, Inc.

CARE Finance Major Banks
$30.57
▲ +0.7% Today
as of Oct 23, 16:47 ET
Last 30 days -1.83% Sep 14 → Oct 23
$29.54 $29.98 $30.43 $30.87 $31.31 Sep 14 Sep 22 Sep 30 Oct 07 Oct 15 Oct 23
Open
$30.44
High
$30.76
Low
$30.26
Volume
$169,879
Avg Vol
$247,490
Mkt Cap
$669M
P/E (TTM)
5.56
Beta
—
52w High
$36.06
52w Low
$16.78
Div Yield
—
Shares Out
$22M

Recent Press Releases & News last 60 days · 3 items

Oct 15 · 12:00 Zacks
Implied Volatility Surging for Carter Bankshares Stock Options
Sep 24 · 14:30 PR ACCESS Newswire
CEO Litz Van Dyke Reflects on 10 Years with Carter Bank
Sep 15 · 13:00 PR Business Wire
Carter Bank Strengthens Raleigh Presence with Commercial Banking Leader Kevin Lockhart

CARE earnings at a glance

The options market is pricing a move of about ±7.3% after the report, a range of roughly $28.33 to $32.81 from today's $30.57. Over its last 6 reports the stock rose the next day 4 times and fell 2, moving ±3.5% on average; after the most recent report on Jul 23, 2026 it moved +3.0%. That means options currently expect more movement than CARE has typically delivered. CARE beat the consensus EPS estimate in 5 of its last 6 reported quarters. Implied volatility is currently 47%. The share price of $30.57 sits in the middle of its 52-week range.

More Finance stocks · All stocks · Earnings calendar

Overview

52-week range
$17
$36
72% of range
Avg surprise (last 6)
+12.2%
Avg reaction (last 6)
+0.7%
67% positive
Latest IV / EM
47%
EM ±7.3% · $30 · Oct 16

Earnings trends

EPS — actual vs estimate Actual Estimate
$0.16$0.29$0.42$0.54$0.67 Actual $0.67Actual $0.24Actual $0.16Actual $0.25Actual $0.21Actual $0.24Actual $0.32Est $0.30Actual $0.41Est $0.31Actual $0.26Est $0.39Actual $0.41Est $0.33Actual $0.40Est $0.35Actual $0.53Est $0.41 MarJunSepMarJunSepMar/2025Jun/2025Sep/20258K8KJun/2026
Revenue vs Net Income Revenue Net income
$0$23M$45M$68M$90M Sep 24Mar 25Jun 25Sep 25Mar 26Jun 26

Earnings history

DatePeriodActual EPSEstSurpriseYoY %ΔDay reactSource
Thu Jul 23, 2026Jun/2026 $0.53 $0.41 +29.3% 0.0% +3.0% earnings
Thu Apr 23, 20268K 2026-04-23 $0.40 $0.35 +14.3% — -2.1% earnings
Thu Jan 29, 20268K 2026-01-29 $0.41 $0.33 +24.2% — +2.8% earnings
Thu Oct 23, 2025Sep/2025 $0.26 $0.39 -33.3% — -6.3% earnings
Thu Jul 24, 2025Jun/2025 $0.41 $0.31 +32.3% — +4.3% earnings
Thu Apr 24, 2025Mar/2025 $0.32 $0.30 +6.7% — +2.3% earnings
Mon Sep 30, 2024Sep 2024 $0.24 — — — — financials
Sun Jun 30, 2024Jun 2024 $0.21 — — — — financials
Sun Mar 31, 2024Mar 2024 $0.25 — — — — financials
Sat Sep 30, 2023Sep 2023 $0.16 — — — — financials
Fri Jun 30, 2023Jun 2023 $0.24 — — — — financials
Fri Mar 31, 2023Mar 2023 $0.67 — — — — financials

Financials

Income statement (quarterly)

MetricJun 2026Mar 2026Dec 2025Sep 2025Jun 2025Mar 2025Dec 2024Sep 2024
Revenue————————
Cost of revenue————————
Gross profit————————
Operating income————————
Net income$29M$86M—$5M$9M$9M—$6M
EPS (diluted)$1.31$3.88—$0.24$0.37$0.39—$0.24

Balance sheet (quarterly)

MetricJun 2026Mar 2026Dec 2025Sep 2025Jun 2025Mar 2025Dec 2024Sep 2024
Cash & equivalents$277M—$105M—————
Inventory————————
Total current assets————————
Total assets$4.80B$4.80B$4.85B$4.84B$4.78B$4.70B$4.66B$4.61B
Long-term debt————————
Total liabilities$4.26B$4.29B$4.43B$4.43B$4.38B$4.30B$4.27B$4.23B
Total equity$539M$505M$420M$413M$406M$402M$384M$387M

Implied volatility — last 90 days

29%105%181%257%333% Jun 07 — IV 104% · EM ±14.4%Jun 08 — IV 81% · EM ±10.6%Jun 09 — IV 63% · EM ±7.8%Jun 10 — IV 142% · EM ±16.8%Jun 11 — IV 151% · EM ±16.7%Jun 19 — IV 69% · EM ±15.3%Jun 22 — IV 58% · EM ±12.2%Jun 23 — IV 81% · EM ±16.5%Jun 24 — IV 80% · EM ±16.0%Jun 25 — IV 79% · EM ±15.5%Jun 26 — IV 49% · EM ±9.4%Jun 29 — IV 70% · EM ±12.5%Jun 30 — IV 52% · EM ±9.0%Jul 01 — IV 53% · EM ±8.9%Jul 02 — IV 46% · EM ±7.4%Jul 03 — IV 47% · EM ±7.4%Jul 06 — IV 61% · EM ±8.5%Jul 07 — IV 146% · EM ±19.3%Jul 08 — IV 104% · EM ±13.0%Jul 09 — IV 133% · EM ±15.8%Jul 10 — IV 153% · EM ±16.9%Jul 13 — IV 216% · EM ±18.0%Jul 14 — IV 216% · EM ±15.6%Jul 15 — IV 283% · EM ±16.7%Jul 16 — IV 333% · EM ±13.9%Jul 20 — IV 68% · EM ±16.1%Jul 21 — IV 67% · EM ±15.6%Jul 22 — IV 70% · EM ±16.1%Jul 23 — IV 47% · EM ±10.5%Jul 24 — IV 43% · EM ±9.6%Jul 27 — IV 70% · EM ±14.7%Jul 28 — IV 29% · EM ±5.9%Aug 03 — IV 32% · EM ±5.6%Aug 04 — IV 41% · EM ±7.1%Aug 07 — IV 91% · EM ±14.2%Aug 10 — IV 125% · EM ±17.3%Aug 11 — IV 118% · EM ±15.6%Aug 12 — IV 123% · EM ±15.5%Aug 14 — IV 150% · EM ±16.5%Aug 17 — IV 222% · EM ±18.6%Aug 18 — IV 241% · EM ±17.4%Aug 19 — IV 263% · EM ±15.6%Aug 24 — IV 77% · EM ±16.1%Aug 25 — IV 89% · EM ±18.2%Aug 26 — IV 89% · EM ±17.8%Aug 27 — IV 81% · EM ±15.9%Aug 28 — IV 95% · EM ±18.1%Aug 31 — IV 92% · EM ±16.3%Sep 01 — IV 50% · EM ±8.6%Sep 02 — IV 106% · EM ±17.7%Sep 03 — IV 84% · EM ±13.5%Sep 04 — IV 102% · EM ±15.9%Sep 07 — IV 115% · EM ±15.9%Sep 08 — IV 118% · EM ±15.6%Sep 09 — IV 127% · EM ±15.9%Sep 10 — IV 147% · EM ±17.4%Sep 11 — IV 128% · EM ±14.1%Sep 14 — IV 113% · EM ±9.5%Sep 17 — IV 94% · EM ±3.9%Sep 21 — IV 66% · EM ±13.7%Sep 22 — IV 83% · EM ±17.0%Sep 23 — IV 81% · EM ±16.3%Sep 24 — IV 82% · EM ±16.1%Oct 02 — IV 47% · EM ±7.3%

Sector peers

MSBI
Midland States Bancorp, Inc.
$669M $32.98+1.2%
AROW
Arrow Financial Corporation
$678M $38.37+3.2%
PFIS
Peoples Financial Services Corp.
$684M $70.68+2.8%
BCAL
California BanCorp
$687M $22.04+1.9%
ACNB
ACNB Corporation
$642M $65.42+2.8%
CBNK
Capital Bancorp, Inc.
$634M $41.29+2.4%

CARE earnings FAQ

What is CARE's expected move for earnings?

Options currently price a move of about ±7.3%, or $2.24 per share either way from $30.57.

How does CARE stock usually react to earnings?

Across the last 6 reports the average next-day move was ±3.5%, up 4 times and down 2 times.

What is CARE's implied volatility?

CARE's at-the-money implied volatility is about 47% based on the latest options snapshot.

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