Carter Bankshares, Inc.
PosiFunda Ratios Only on PositoAI
PositoAI's own ratios from Carter Bankshares, Inc.'s yearly results (2022–2025), compared with Financial Services companies in United States. Tap ? on any ratio for what it means.
What stands out
- Tangible Assets Ratio: Of every $100 the company owns, $100 is in tangible assets such as plants, cash, stock and receivables; the rest is goodwill and other intangibles. More tangible than 96% of Financial Services companies in United States.
- Tangible Net Worth Ratio: Of every $100 of net worth, $99 is tangible; the rest is goodwill and other intangibles, often from buying other companies. More tangible than 93% of Financial Services companies in United States.
Cash quality
Profit Cash Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Self-Funding Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Cash Locked Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Growth quality
Steadiness Ratio
1/3 · 2/3Sales grew in 1 of the last 3 years; profit grew in 2 of 3.
Less steady than 71% of Financial Services companies in United States.
Growth Efficiency Ratio
—Sales fell 6%
Sales fell 6% in 3 years, so extra profit per extra sales cannot be measured.
Asset Productivity Ratio
-6% / +15%In 3 years sales changed by -6% while total assets changed by +15%. Assets grew faster than sales.
Balance-sheet strength
Debt Due Cover Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Cash Cushion Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Tangible Assets Ratio
100%Of every $100 the company owns, $100 is in tangible assets such as plants, cash, stock and receivables; the rest is goodwill and other intangibles.
More tangible than 96% of Financial Services companies in United States.
Tangible Net Worth Ratio
99%Of every $100 of net worth, $99 is tangible; the rest is goodwill and other intangibles, often from buying other companies.
More tangible than 93% of Financial Services companies in United States.
Shareholders
Standard fundamentals
P/E, P/B, ROE, debt, growth and more (11)
Carter Bankshares, Inc. owes $0.89 for every $1 it owns. Net profit rose 28% in the year to Dec 2025, and shrank 14% a year on average over 3 years.
Compared with Financial Services companies in United States · latest annual results Dec 2025.
P/E ratio
5.3Investors pay $5.3 for every $1 of Carter Bankshares, Inc.'s yearly profit, lower than 93% of Financial Services companies in United States.
P/B ratio
1.31The share price is 1.31 times Carter Bankshares, Inc.'s book value per share, higher than 53% of Financial Services companies in United States.
Market cap
$708 MThe total market value of all of Carter Bankshares, Inc.'s shares at today's price (share price × number of shares), larger than 50% of Financial Services companies in United States. PosiCap size class: Mini Cap.
Net worth (book value)
$539 MWhat Carter Bankshares, Inc. would have left on paper if it sold everything it owns and paid everything it owes, from its latest balance sheet (30 Jun 2026).
Book value per share
$23.28Net worth divided by the number of shares. The share price of $30.57 is 1.3 times this, which is the P/B above.
Return on equity (ROE)
27.2%Carter Bankshares, Inc. earned 27.2% on its shareholders' money over the last year, higher than 92% of Financial Services companies in United States.
Owes vs Owns
0.89×Carter Bankshares, Inc. owes $0.89 for every $1 it owns (high), higher than 71% of Financial Services companies in United States. Banks and lenders usually show higher figures.
Dividend yield
1.30%Carter Bankshares, Inc. pays 1.30% of its share price as dividends a year, lower than 84% of dividend-paying Financial Services companies in United States.
Revenue growth
+13%Revenue rose 13% in the year to Dec 2025, and shrank 2% a year on average over 3 years.
Profit growth
+28%Net profit rose 28% in the year to Dec 2025, and shrank 14% a year on average over 3 years.
Profit margin
21.0%Carter Bankshares, Inc. keeps $21 of every $100 of revenue as net profit.
Questions
What is Carter Bankshares, Inc.'s P/E ratio?
Investors pay $5.3 for every $1 of Carter Bankshares, Inc.'s yearly profit, lower than 93% of Financial Services companies in United States.
How is P/B calculated on PositoAI?
P/B is market cap divided by net worth from the latest balance sheet. For Carter Bankshares, Inc.: $708 M ÷ $539 M (30 Jun 2026) = 1.3.
What is Carter Bankshares, Inc.'s return on equity?
Carter Bankshares, Inc. earned 27.2% on its shareholders' money over the last year, higher than 92% of Financial Services companies in United States.
How much does Carter Bankshares, Inc. owe compared with what it owns?
Carter Bankshares, Inc. owes $0.89 for every $1 it owns (high), higher than 71% of Financial Services companies in United States. Banks and lenders usually show higher figures.
Does Carter Bankshares, Inc. pay a dividend?
Yes. Carter Bankshares, Inc. pays 1.30% of its share price as dividends a year, lower than 84% of dividend-paying Financial Services companies in United States.
Is Carter Bankshares, Inc.'s revenue growing?
Revenue rose 13% in the year to Dec 2025, and shrank 2% a year on average over 3 years.
Figures from the company's yearly results and PositoAI's own data. Full tables are on the Go Deep tab. What each figure means. PositoAI is for research and education only and is not investment advice.