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. Management Team
Misty Powell
Assistant Vice President
Mr. Litz H. Van Dyke
Chief Executive Officer & Director
Compensation
$1,049,596
Mr. A. Loran Adams
Executive Vice President & Director of Regulatory Risk Management
Ms. Joyce A. Parker
Secretary
Ms. Wendy S. Bell
Senior EVice President and Chief Financial Officer
Compensation
$662,609
Ms. Phyllis Q. Karavatakis
Vice Chairman
Bill Hubble
Vice President and Managing Officer of Blacksburg Office
Carter Bankshares, Inc. Insider Positioning
During the last 12 months, insiders have purchased $120K and sold $796K worth of CARE shares, resulting in $677K of net selling activity.
3 Months
4.6K
119.86K
6.5K
171.60K
-52K
-$52K
3-6 Months
0
0.00
0
0.00
+0
+$0
6-9 Months
0
0.00
15.5K
301.51K
-302K
-$302K
9-12 Months
0
0.00
19.1K
323.34K
-323K
-$323K
Top Buyers
Walsh Elizabeth L.
Director
$120K
Top Sellers
Speare Matthew M.
Officer: Sevp, Chief Operating Officer
$269K
Bloomfield Kevin S.
Director
$211K
Langs Bradford N.
Officer: President, Chief Strategy Ofcr
$146K
Haskins James W.
Director
$62K
Davis Jane Ann
Officer: Evp, Chief Admin. Officer
$41K
Insider Activity Analysis
Net Insider Sentiment
Strong bearish signal with $677K net selling. Heavy insider selling may indicate concerns about valuation or near-term prospects.
Buy/Sell Ratio
Weak buy/sell ratio. Selling significantly exceeds buying—monitor for potential fundamental concerns.
Recent Trend (3 Months)
Negative recent trend with net selling. Insiders have reduced positions in recent months, which could signal caution.
Insider Participation
5 insider sellers vs. 1 buyers. Widespread selling across multiple insiders may signal concerns.
Insider Activity Insight
Multiple red flags: Heavy selling, numerous sellers, and continued recent selling create a concerning pattern. Investigate fundamental drivers and consider whether company guidance or industry conditions have deteriorated.
SEC Filings
CARE - Filing history and reports
| Filing Type | Filing Date | Period Ending | Fiscal Year | Actions |
|---|---|---|---|---|
DEF 14A DEF 14A 2025 N/A | April 15, 2026 | December 31, 2025 | 2025 | |
DEF 14A DEF 14A 2025 N/A | April 25, 2025 | April 25, 2025 | 2025 | |
DEF 14A DEF 14A 2024 N/A | April 26, 2024 | April 26, 2024 | 2024 | |
DEF 14A DEF 14A N/A | April 28, 2023 | April 28, 2023 | ||
DEF 14A DEF 14A 2022 N/A | April 28, 2022 | April 28, 2022 | 2022 | |
DEF 14A DEF 14A 2021 N/A | April 30, 2021 | April 30, 2021 | 2021 |
Research Paths
Snapshot
Start with context, operating signals, and key market metrics.
Value Model
Stress test fair value across bear, base, and bull assumptions.
Statements
Validate revenue quality, margins, and balance sheet durability.
Earnings Call
Read management commentary and compare it with reported outcomes.
Dividends
Check payout sustainability and long-term distribution behavior.
Analyst Expectations
Review consensus spread and where estimate risk is concentrated.