CARE - NASDAQ
Carter Bankshares, Inc.
$27.33
-3.5%Carter Bankshares, Inc. operates as the bank holding company for Carter Bank & Trust that provides various banking products and services. It accepts various deposit products, including checking, savings, retirement, and money market accounts, as well as longer-term certificates of deposits. The company also offers commercial loans comprising secured and unsecured loans; consumer loans, such as secured and unsecured loans for financing automobiles, home improvements, education, overdraft protection, and personal investments, as well as residential mortgages; real estate construction and acquisition loans; home equity lines of credit; and credit cards, as well as originates and holds fixed and variable rate mortgage loans. In addition, it provides other banking services that include safe deposit boxes, direct deposit of payroll and social security checks, online banking, bill pay, online account opening, mobile deposit, mobile banking, debit cards, e-statements, and ATM services; title insurance and other financial institution-related products and services; and treasury and corporate cash management services. It operates through 69 branches in Virginia and North Carolina. Carter Bankshares, Inc. was founded in 1974 and is headquartered in Martinsville, Virginia.
At a Glance
Live SnapshotCarter Bankshares, Inc. Cash Conversion Engine
Cash Flow Quality Analysis
FCF Conversion Rate
Excellent cash generation. The company converts earnings to cash at or above 100%, indicating high-quality earnings.
CapEx Intensity
Moderate capital requirements typical of many stable businesses. Healthy balance between reinvestment and cash generation.
FCF Growth Trend
Steady FCF growth indicates consistent cash generation improvement. On a positive trajectory.
Working Capital Impact
Minimal working capital impact on FCF. Changes in operating assets and liabilities well-managed.
Cash Flow Quality Insight
Exceptional cash generation: High-quality earnings converting to growing free cash flow. The company demonstrates strong pricing power, efficient operations, and disciplined capital allocation.
Carter Bankshares, Inc. Cash Flow Statement
CARE • NASDAQ
| Carter Bankshares, Inc. Cash Flow Statement | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 | Dec 2020 | Dec 2019 | Dec 2018 | Dec 2017 | Dec 2016 | Dec 2015 | Dec 2014 | Dec 2013 | Dec 2012 | Dec 2011 | Dec 2010 | Dec 2009 | Dec 2008 | Dec 2007 | Dec 2006 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
OPERATING ACTIVITIES | ||||||||||||||||||||
31.4M | 24.5M | 23.4M | 50.1M | 31.6M | -45.9M | 26.6M | 11.9M | -681K | 16M | 39.2M | 33.5M | 26.1M | 30.3M | 30.1M | 22.8M | 17.8M | 9.7M | 13.2M | 1.9M | |
0.0 | 7.1M | 6.2M | 6.1M | 6.2M | 6.1M | 5.3M | 3.7M | 3.2M | 3.3M | 5.7M | 10.8M | 10.8M | 10.8M | 10.7M | 10.5M | 11M | 10.3M | 10.5M | 413K | |
0.0 | 3.2M | 2.5M | 4.3M | 4.8M | -539K | 2.2M | 8.9M | -10.4M | -5.8M | -2.3M | -3.8M | -2.8M | -1.1M | 252K | -218K | 0.0 | 0.0 | 0.0 | 0.0 | |
0.0 | 1.8M | 1.6M | 1.3M | 1M | 1M | 381K | 9K | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | |
9M | -1.4M | 14.5M | 9.8M | 28.2M | 72.8M | -7.1M | 26.6M | 56.7M | 28.5M | 3.6M | 3M | 2.6M | 2.4M | 885K | 1.5M | 2.3M | -384K | 43K | 17K | |
(3.7M) | (478K) | (5.7M) | (5.8M) | (2.7M) | (416K) | (220K) | (175K) | (1.7M) | (10.8M) | (7M) | (9.8M) | (14.4M) | (7.4M) | (15.1M) | (1.9M) | (0.0) | (0.0) | (0.0) | (0.0) | |
-470K | 1.8M | -1.4M | -722K | 5.6M | -25.8M | 10.9M | -1.8M | -4.5M | -9.2M | 7.5M | 353K | 202K | 2.3M | -5.8M | 9.5M | -25.1M | 1.6M | -480K | 1.6M | |
39.9M | 36.9M | 46.7M | 70.8M | 77.5M | 7.7M | 38.3M | 49.4M | 44.3M | 32.7M | 53.7M | 43.9M | 36.9M | 44.8M | 36.1M | 44.1M | 5.9M | 21.3M | 23.3M | 4M | |
INVESTING ACTIVITIES | ||||||||||||||||||||
(0.0) | -8.1M | -9.8M | -5.9M | -8.5M | -10.1M | -8.5M | -14.6M | -3.5M | -844K | -597K | -1.1M | -1.2M | -48K | -701K | -2.1M | -1.7M | -34.8M | -3.1M | -1.3M | |
(0.0) | (0.0) | (0.0) | (0.0) | -73.9M | (0.0) | (0.0) | (0.0) | (0.0) | (0.0) | (0.0) | (0.0) | (0.0) | (0.0) | (0.0) | (0.0) | (0.0) | (0.0) | (0.0) | (372.4M) | |
(0.0) | -25.1M | -24.9M | -135.6M | -466.6M | -277.6M | -534.1M | -201.2M | -434.9M | -125M | (0.0) | (0.0) | -485.5M | -1B | -655.9M | -857.9M | -856.1M | -481.1M | -285M | -29.8M | |
0.0 | 81.4M | 92.2M | 104.5M | 307.3M | 267M | 588.7M | 352.3M | 364.4M | 668.1M | 406.2M | 92.2M | 326.2M | 383.6M | 592.8M | 835.2M | 492.7M | 234.4M | 467.2M | 55.7M | |
-155.9M | -116.6M | -364.5M | -345M | 135.4M | -72.5M | -175.5M | -82.2M | -2.2M | -94M | -318.5M | -305M | -105M | 3.8M | -124.3M | -36.1M | -192M | -148.9M | -38.8M | -8.4M | |
-155.9M | -68.4M | -307M | -382.1M | -106.4M | -93.3M | -129.4M | (54.2M) | -76.2M | (448.3M) | (87M) | -213.9M | -265.3M | -617.1M | -188.1M | -60.8M | -557M | -430.4M | (140.4M) | (388.6M) | |
FINANCING ACTIVITIES | ||||||||||||||||||||
-20M | 0.0 | -16.4M | -42.9M | -157K | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | -11K | -45K | 0.0 | |
108.5M | -323.4M | 195M | 173.6M | -28M | 25M | 10M | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | -38K | -220K | -202K | 782K | -2.1M | -1.3M | 74K | |
(0.0) | (0.0) | (0.0) | (0.0) | (0.0) | -3.7M | (0.0) | (0.0) | (0.0) | -7.9M | -10.5M | -10.5M | -10.5M | -10.5M | -10.5M | -10.5M | -10.5M | -10.3M | -10M | -1.9M | |
-20M | (0.0) | -16.4M | -42.9M | -157K | (0.0) | (0.0) | (0.0) | (0.0) | (0.0) | (0.0) | (0.0) | (0.0) | (0.0) | (0.0) | (0.0) | (0.0) | -11K | -45K | (0.0) | |
1.5M | 431.5M | 89.4M | -50.3M | 92.8M | 180.4M | -86.9M | -78.4M | -394.2M | -390.7M | 240.6M | -55.7M | 208.7M | 451M | 254.9M | 302.2M | 582.5M | 136.2M | -36.9M | 22.8M | |
90M | 108.1M | 267.9M | 80.4M | 64.7M | 201.7M | -76.9M | -78.4M | -394.2M | -398.6M | 230.1M | -66.2M | 198.2M | 440.5M | 242.5M | 291.3M | 572.8M | 123.9M | -48.3M | 21M | |
CASH FLOW SUMMARY | ||||||||||||||||||||
-26M | 76.6M | 7.7M | -230.9M | 35.9M | 116.1M | -168M | 25.2M | -426.2M | 81.6M | 370.8M | -236.2M | -30.2M | -131.9M | 90.5M | 274.6M | 0.0 | 0.0 | 0.0 | 0.0 | |
131.2M | 54.5M | 46.9M | 277.8M | 241.9M | 125.8M | 293.8M | 268.6M | 694.8M | 613.2M | 242.4M | 478.6M | 508.9M | 640.7M | 550.2M | 275.7M | 0.0 | 0.0 | 0.0 | 0.0 | |
105.2M | 131.2M | 54.5M | 46.9M | 277.8M | 241.9M | 125.8M | 293.6M | 268.6M | 694.8M | 613.2M | 242.4M | 478.6M | 508.9M | 640.7M | 550.2M | 0.0 | 0.0 | 0.0 | 0.0 | |
31.8M | 28.8M | 36.9M | 64.9M | 69.1M | -2.4M | 29.8M | 34.5M | 40.7M | 31.8M | 53.1M | 42.8M | 35.7M | 44.7M | 35.4M | 42M | 4.3M | -13.6M | 20.2M | 2.7M |
SEC Filings
CARE - Filing history and reports
| Filing Type | Filing Date | Period Ending | Fiscal Year | Actions |
|---|---|---|---|---|
8-K 8-K 2026 N/A | May 29, 2026 | May 29, 2026 | 2026 | |
8-K 8-K 2026 N/A | May 29, 2026 | May 27, 2026 | 2026 | |
10-Q 10-Q 2026 Q1 Q1 | May 07, 2026 | March 31, 2026 | 2026 | |
8-K 8-K 2026 N/A | May 01, 2026 | May 01, 2026 | 2026 | |
8-K 8-K 2026 N/A | May 01, 2026 | May 01, 2026 | 2026 | |
8-K 8-K 2026 N/A | April 23, 2026 | April 22, 2026 | 2026 | |
8-K 8-K 2026 N/A | April 23, 2026 | April 23, 2026 | 2026 | |
DEF 14A DEF 14A 2025 N/A | April 15, 2026 | December 31, 2025 | 2025 | |
8-K 8-K 2026 N/A | March 26, 2026 | March 26, 2026 | 2026 | |
10-K 10-K 2025 FY FY | March 05, 2026 | December 31, 2025 | 2025 |
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