Part of the financial services sector, Carter Bankshares, Inc. (CARE) is listed under Banks - Regional. With a market capitalization of $741.1M, it sits in small-cap territory. It offers various deposit products, including checking, savings, retirement, and money market accounts, as well as certificates of deposit.
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The balance sheet looks solid with $238.6M in cash comfortably exceeding the $10.1M debt load. A net cash position generally provides financial flexibility during uncertain economic periods. Return on equity stands at 23.9%, which is strong for the sector. ROE measures how effectively a company uses shareholder capital to generate profits. ROA of 2.3% is on the lower side, which is common in asset-heavy industries. Revenue has been relatively flat, moving from $158.9M (2022) to $149.0M (2025).
With a beta below 0.7, Carter Bankshares, Inc. typically sees smaller price swings than the overall market, offering a degree of stability during turbulent periods. The strong cash position relative to debt provides a financial cushion that reduces balance sheet risk. Understanding these risk dimensions helps frame what to watch going forward as conditions evolve for Carter Bankshares, Inc. and its sector.