CARE - Carter Bankshares, Inc.
Price:
--
--
|
CONSENSUS:
Hold
DETAILS
|
PRICE TARGET:
$27.00
DETAILS
HIGH:
$27.00
LOW:
$27.00
MEDIAN:
$27.00
CONSENSUS:
$27.00
DOWNSIDE:
1.60%
| Metric | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 | 2013 | 2012 | 2011 | 2010 | 2009 | 2008 | 2007 | 2006 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | ||||||||||||||||||||
| Revenue | 254.6 | 239.7 | 211.8 | 179.2 | 156.4 | 163.8 | 168.4 | 157.9 | 144.3 | 146.7 | 164.6 | 159.1 | 158.2 | 168.1 | 164.6 | 165.8 | 158.1 | 150.9 | 157.2 | 21.5 |
| Cost of Revenue | 97.6 | 102.2 | 80.5 | 23.2 | 24.8 | 53.8 | 50.2 | 55.0 | 80.3 | 64.1 | 51.1 | 48.3 | 55.5 | 58.9 | 58.5 | 68.7 | 158.1 | 150.9 | 157.2 | 21.5 |
| Gross Profit | 157.1 | 137.4 | 131.3 | 156.0 | 131.6 | 109.9 | 118.2 | 102.9 | 64.0 | 82.6 | 113.5 | 110.8 | 102.7 | 109.2 | 106.1 | 97.1 | 0 | 0 | 0 | 0 |
| Operating Expenses | ||||||||||||||||||||
| R&D Expenses | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| SG&A Expenses | 75.4 | 66.6 | 62.5 | 55.8 | 57.3 | 56.3 | 60.1 | 57.8 | 53.9 | 47.5 | 44.1 | 40.1 | 41.6 | 42.5 | 43.5 | 45.5 | 40.9 | 35.2 | 32.4 | 5.5 |
| Other Expenses | 41.7 | 39.9 | 40.1 | 38.4 | 38.6 | 98.7 | 30.4 | 30.8 | 28.3 | 17.4 | 20.0 | 27.4 | 25.9 | 25.7 | 24.4 | 24.5 | (20.4) | (17.6) | (16.2) | (2.8) |
| Operating Expenses | 117.1 | 106.6 | 102.6 | 94.3 | 95.9 | 155.0 | 90.4 | 88.6 | 82.2 | 64.9 | 64.1 | 67.5 | 67.6 | 68.1 | 67.9 | 70.0 | 20.4 | 17.6 | 16.2 | 2.8 |
| Operating Income | ||||||||||||||||||||
| Operating Income | 40.0 | 30.9 | 28.7 | 61.7 | 35.7 | (45.1) | 27.8 | 14.3 | (18.2) | 17.6 | 49.4 | 43.3 | 35.2 | 41.1 | 38.3 | 27.1 | 18.1 | 9.9 | 16.3 | 2.7 |
| Interest Expense | 101.4 | 107.3 | 74.1 | 20.3 | 22.7 | 35.8 | 46.8 | 38.1 | 37.1 | 46.4 | 47.8 | 45.3 | 52.8 | 56.5 | 56.7 | 67.2 | 0.0 | 0.0 | 0 | 0 |
| Interest Income | 232.2 | 220.7 | 195.0 | 160.0 | 133.8 | 140.7 | 159.0 | 152.0 | 144.1 | 147.6 | 152.4 | 146.7 | 147.3 | 156.8 | 152.9 | 156.5 | 0 | 0 | 0 | 0 |
| Profitability | ||||||||||||||||||||
| EBITDA | 40.0 | 37.9 | 35.0 | 67.8 | 41.9 | (38.9) | 33.1 | 18.0 | (15.1) | 20.9 | 55.1 | 54.1 | 46.0 | 51.9 | 48.9 | 37.6 | 29.1 | 20.2 | 26.8 | 3.1 |
| EBIT | 40.0 | 30.9 | 28.7 | 61.7 | 35.7 | (45.1) | 27.8 | 14.3 | (18.2) | 17.6 | 49.4 | 43.3 | 35.2 | 41.1 | 38.3 | 27.1 | 18.1 | 9.9 | 16.3 | 2.7 |
| Income Before Tax | 40.0 | 30.9 | 28.7 | 61.7 | 35.7 | (45.1) | 27.8 | 14.3 | (18.2) | 17.6 | 49.4 | 43.3 | 35.2 | 41.1 | 38.3 | 27.1 | 18.1 | 9.9 | 16.3 | 2.7 |
| Income Tax Expense | 8.6 | 6.3 | 5.3 | 11.6 | 4.1 | 0.8 | 1.2 | 2.4 | (17.5) | 1.6 | 10.2 | 9.8 | 9.1 | 10.8 | 8.2 | 4.3 | 0.3 | 0.2 | 3.1 | 0.8 |
| Net Income | 31.4 | 24.5 | 23.4 | 50.1 | 31.6 | (45.9) | 26.6 | 11.9 | (0.7) | 16.0 | 39.2 | 33.5 | 26.1 | 30.3 | 30.1 | 22.8 | 17.8 | 9.7 | 13.2 | 1.9 |
| Per Share Data | ||||||||||||||||||||
| EPS (Basic) | 1.40 | 1.06 | 1.00 | 2.03 | 1.20 | -1.74 | 1.01 | 0.45 | -0.03 | 0.61 | 1.49 | 1.27 | 0.99 | 1.16 | 1.15 | 0.87 | 0.68 | 0.38 | 0.53 | 0.08 |
| EPS (Diluted) | 1.40 | 1.06 | 1.00 | 2.03 | 1.20 | -1.74 | 1.01 | 0.45 | -0.03 | 0.61 | 1.49 | 1.27 | 0.99 | 1.16 | 1.15 | 0.87 | 0.68 | 0.38 | 0.53 | 0.08 |
| Shares Outstanding | 22.5 | 23.2 | 23.2 | 24.6 | 26.3 | 26.4 | 26.3 | 26.3 | 26.3 | 26.3 | 26.3 | 26.3 | 26.3 | 26.3 | 26.3 | 26.3 | 26.3 | 25.9 | 25.0 | 25 |
| Metric | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2009 | 2008 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Current Assets | ||||||||||||
| Cash & Cash Equivalents | 105.2 | 131.2 | 54.5 | 46.9 | 277.8 | 241.9 | 125.8 | 293.6 | 268.6 | 694.8 | 0 | 0 |
| Short-Term Investments | 383.5 | 655.0 | 719.6 | 836.3 | 922.4 | 778.7 | 742.6 | 782.8 | 947.2 | 160.9 | 0 | 0 |
| Net Receivables | 0 | 63.5 | 59.4 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Inventory | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Other Current Assets | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 300.0 | 274.8 |
| Total Current Assets | 488.7 | 849.6 | 833.5 | 883.1 | 1,200.2 | 1,020.6 | 868.4 | 1,076.6 | 1,215.8 | 855.7 | 300.0 | 274.8 |
| Non-Current Assets | ||||||||||||
| Property, Plant & Equipment | 72.5 | 74.3 | 73.7 | 72.1 | 75.3 | 85.3 | 85.9 | 85.8 | 77.3 | 96.6 | 112.9 | 114.7 |
| Goodwill | 1.2 | 0 | 0 | 0 | 0 | 0 | 62.2 | 62.2 | 59.8 | 59.8 | 60.1 | 61.7 |
| Intangible Assets | 0.9 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 39.5 | 46.9 |
| Long-Term Investments | 4,126.8 | 3,559.3 | 3,408.9 | 3,055.1 | 2,716.4 | 2,930.7 | 2,865.7 | 2,667.2 | 2,649.6 | 3,416.0 | 0 | 1.9 |
| Other Non-Current Assets | 161.8 | 176.0 | 196.4 | 194.2 | 141.8 | 142.6 | 123.8 | 147.8 | 109.8 | 77.4 | 2,876.4 | 2,300.5 |
| Total Non-Current Assets | 4,363.3 | 3,809.6 | 3,679.0 | 3,321.4 | 2,933.5 | 3,158.6 | 3,137.7 | 2,963.0 | 2,896.5 | 3,649.8 | 3,088.9 | 2,525.7 |
| Total Assets | 4,851.9 | 4,659.2 | 4,512.5 | 4,204.5 | 4,133.7 | 4,179.2 | 4,006.1 | 4,039.6 | 4,112.3 | 4,505.5 | 3,388.9 | 2,800.5 |
| Current Liabilities | ||||||||||||
| Account Payables | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Short-Term Debt | 0 | 0 | 0 | 17.9 | 0 | 0 | 0 | 0 | 0 | 0 | 1.9 | 1.3 |
| Deferred Revenue | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Other Current Liabilities | 4,210.9 | 4,153.4 | 3,721.9 | 3,632.5 | 3,698.5 | 3,684.6 | 3,504.2 | 3,591.2 | 3,669.6 | 4,063.8 | 976.1 | 833.4 |
| Total Current Liabilities | 4,210.9 | 4,153.4 | 3,721.9 | 3,650.4 | 3,698.5 | 3,684.6 | 3,504.2 | 3,591.2 | 3,669.6 | 4,063.8 | 978.0 | 834.7 |
| Non-Current Liabilities | ||||||||||||
| Long-Term Debt | 178.5 | 70 | 393.4 | 180.6 | 7 | 35 | 10 | 0 | 0 | 0 | 0 | 0 |
| Deferred Tax Liabilities | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Other Non-Current Liabilities | 42.8 | 51.5 | 46.0 | 44.9 | 20.7 | 19.4 | 18.8 | 12.2 | 10.6 | 7.0 | 2,100.1 | 1,662.3 |
| Total Non-Current Liabilities | 221.3 | 121.5 | 439.4 | 225.5 | 27.7 | 54.4 | 28.8 | 12.2 | 10.6 | 7.0 | 2,100.1 | 1,662.3 |
| Total Liabilities | 4,432.2 | 4,274.9 | 4,161.3 | 3,875.9 | 3,726.2 | 3,739.0 | 3,533.0 | 3,603.4 | 3,680.2 | 4,070.9 | 3,078.1 | 2,496.9 |
| Stockholders' Equity | ||||||||||||
| Common Stock | 22.1 | 23.1 | 23.0 | 24.0 | 26.4 | 26.4 | 26.3 | 26.3 | 26.3 | 26.3 | 26.3 | 26.3 |
| Retained Earnings | 365.0 | 333.6 | 309.1 | 285.6 | 235.5 | 254.6 | 304.2 | 277.8 | 265.9 | 266.2 | 142.4 | 135.1 |
| Accumulated Other Comprehensive Income | (42.2) | (64.5) | (71.4) | (85.6) | 1.7 | 15.7 | 0.1 | (10.1) | (2.2) | 0 | 0 | 0 |
| Total Stockholders' Equity | 419.7 | 384.3 | 351.2 | 328.6 | 407.6 | 440.2 | 473.1 | 436.2 | 432.1 | 434.6 | 310.8 | 303.5 |
| Total Liabilities & Equity | 4,851.9 | 4,659.2 | 4,512.5 | 4,204.5 | 4,133.7 | 4,179.2 | 4,006.1 | 4,039.6 | 4,112.3 | 4,505.5 | 3,388.9 | 2,800.5 |
| Debt Metrics | ||||||||||||
| Total Debt | 178.5 | 70 | 393.4 | 198.4 | 7 | 35 | 10 | 0 | 0 | 0 | 1.9 | 1.3 |
| Net Debt | 73.3 | (61.2) | 338.9 | 151.6 | (270.8) | (206.9) | (115.8) | (293.8) | (268.6) | (694.8) | 1.9 | 1.3 |
| Metric | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 |
|---|---|---|---|---|---|---|---|---|---|---|
| Operating Activities | ||||||||||
| Net Income | 31.4 | 24.5 | 23.4 | 50.1 | 31.6 | (45.9) | 26.6 | 11.9 | (0.7) | 16.0 |
| Depreciation & Amortization | 7.9 | 7.1 | 6.2 | 6.1 | 6.2 | 6.1 | 5.3 | 3.7 | 3.1 | 3.3 |
| Stock-Based Compensation | 2.1 | 1.8 | 1.6 | 1.3 | 1.0 | 1.0 | 0.4 | 0.0 | 0 | 0 |
| Change in Working Capital | (2.0) | 1.8 | (1.4) | (0.7) | 5.6 | (25.8) | 10.9 | (1.8) | (4.5) | (9.2) |
| Other Non-Cash Items | (2.3) | (1.4) | 14.5 | 9.8 | 28.2 | 72.8 | (7.1) | 26.6 | 56.7 | 28.5 |
| Operating Cash Flow | 39.9 | 36.9 | 46.7 | 70.8 | 77.5 | 7.7 | 38.3 | 49.4 | 44.3 | 32.7 |
| Investing Activities | ||||||||||
| Capital Expenditure | (8.1) | (8.1) | (9.8) | (5.9) | (8.5) | (10.1) | (8.5) | (14.6) | (3.5) | (0.8) |
| Acquisitions | 53.6 | 0 | 0 | 0 | (73.9) | 0 | 0 | 0 | 0 | 0 |
| Purchases of Investments | (63.7) | (25.1) | (24.9) | (135.6) | (466.6) | (277.6) | (534.1) | (201.2) | (434.9) | (125) |
| Sales/Maturities of Investments | 115.9 | 81.4 | 92.2 | 104.5 | 307.3 | 267.0 | 588.7 | 352.3 | 364.4 | 667.4 |
| Other Investing Activities | (253.7) | (116.5) | (364.5) | (345.0) | 135.4 | (72.5) | (175.5) | (82.2) | (2.2) | (94.0) |
| Investing Cash Flow | (155.9) | (68.4) | (307.0) | (382.1) | (106.4) | (93.3) | (129.4) | 54.2 | (76.2) | 447.5 |
| Financing Activities | ||||||||||
| Net Debt Issuance | 108.5 | (323.4) | 195.0 | 173.6 | (28) | 25 | 10 | 0 | 0 | 0 |
| Stock Repurchased | (20) | 0 | (16.4) | (42.9) | (0.2) | 0 | 0 | 0 | 0 | 0 |
| Dividends Paid | 0 | 0 | 0 | 0 | 0 | (3.7) | 0 | 0 | 0 | (7.9) |
| Other Financing Activities | 1.5 | 431.5 | 89.4 | (50.3) | 92.8 | 180.4 | (86.9) | (78.4) | (394.2) | (390.7) |
| Financing Cash Flow | 90.0 | 108.1 | 267.9 | 80.3 | 64.7 | 201.7 | (76.9) | (78.4) | (394.2) | (398.6) |
| Cash Position | ||||||||||
| Net Change in Cash | (26.0) | 76.6 | 7.7 | (230.9) | 35.9 | 116.1 | (168.0) | 25.2 | (426.2) | 81.6 |
| Cash at Beginning | 131.2 | 54.5 | 46.9 | 277.8 | 241.9 | 125.8 | 293.8 | 268.6 | 694.8 | 613.2 |
| Cash at End | 105.2 | 131.2 | 54.5 | 46.9 | 277.8 | 241.9 | 125.8 | 293.8 | 268.6 | 694.8 |
| Free Cash Flow | 31.8 | 28.8 | 36.9 | 64.9 | 69.1 | (2.4) | 29.8 | 34.8 | 40.7 | 31.8 |
| Key Metrics | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 | 2013 | 2012 | 2011 | 2010 | 2009 | 2008 | 2007 | 2006 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Income Statement | ||||||||||||||||||||
| Revenue | 254.6 | 239.7 | 211.8 | 179.2 | 156.4 | 163.8 | 168.4 | 157.9 | 144.3 | 146.7 | 164.6 | 159.1 | 158.2 | 168.1 | 164.6 | 165.8 | 158.1 | 150.9 | 157.2 | 21.5 |
| Gross Profit | 157.1 | 137.4 | 131.3 | 156.0 | 131.6 | 109.9 | 118.2 | 102.9 | 64.0 | 82.6 | 113.5 | 110.8 | 102.7 | 109.2 | 106.1 | 97.1 | 0 | 0 | 0 | 0 |
| Operating Income | 40.0 | 30.9 | 28.7 | 61.7 | 35.7 | (45.1) | 27.8 | 14.3 | (18.2) | 17.6 | 49.4 | 43.3 | 35.2 | 41.1 | 38.3 | 27.1 | 18.1 | 9.9 | 16.3 | 2.7 |
| Net Income | 31.4 | 24.5 | 23.4 | 50.1 | 31.6 | (45.9) | 26.6 | 11.9 | (0.7) | 16.0 | 39.2 | 33.5 | 26.1 | 30.3 | 30.1 | 22.8 | 17.8 | 9.7 | 13.2 | 1.9 |
| EPS (Diluted) | 1.40 | 1.06 | 1.00 | 2.03 | 1.20 | -1.74 | 1.01 | 0.45 | -0.03 | 0.61 | 1.49 | 1.27 | 0.99 | 1.16 | 1.15 | 0.87 | 0.68 | 0.38 | 0.53 | 0.08 |
| Balance Sheet | ||||||||||||||||||||
| Cash & Equivalents | 105.2 | 131.2 | 54.5 | 46.9 | 277.8 | 241.9 | 125.8 | 293.6 | 268.6 | 694.8 | 0 | 0 | ||||||||
| Total Assets | 4,851.9 | 4,659.2 | 4,512.5 | 4,204.5 | 4,133.7 | 4,179.2 | 4,006.1 | 4,039.6 | 4,112.3 | 4,505.5 | 3,388.9 | 2,800.5 | ||||||||
| Total Debt | 178.5 | 70 | 393.4 | 198.4 | 7 | 35 | 10 | 0 | 0 | 0 | 1.9 | 1.3 | ||||||||
| Stockholders' Equity | 419.7 | 384.3 | 351.2 | 328.6 | 407.6 | 440.2 | 473.1 | 436.2 | 432.1 | 434.6 | 310.8 | 303.5 | ||||||||
| Cash Flow | ||||||||||||||||||||
| Operating Cash Flow | 39.9 | 36.9 | 46.7 | 70.8 | 77.5 | 7.7 | 38.3 | 49.4 | 44.3 | 32.7 | ||||||||||
| Capital Expenditure | (8.1) | (8.1) | (9.8) | (5.9) | (8.5) | (10.1) | (8.5) | (14.6) | (3.5) | (0.8) | ||||||||||
| Free Cash Flow | 31.8 | 28.8 | 36.9 | 64.9 | 69.1 | (2.4) | 29.8 | 34.8 | 40.7 | 31.8 | ||||||||||