Carter Bankshares (CARE) Financial Ratios

For fiscal 2025 (fiscal year ended Dec 31, 2025), Carter Bankshares had a P/E ratio of 14.01 (down from 16.72), return on equity of 7.8% (up from 6.7%), debt-to-equity of 0.47 (up from 0.23) and return on assets of 0.7% (up from 0.5%).

Carter Bankshares Financial Ratios Analysis

Valuation, profitability, leverage, and liquidity ratios

Income Statement Balance Sheet Cash Flow Ratios

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Breakdown	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period ending	Dec 2025	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Valuation Ratios
P/E Ratio	14.01	16.72	14.82	8.03	12.94	-
Forward P/E	6.87	6.22	14.26	6.92	11.46	21.02
P/S Ratio	2.77	2.88	2.56	2.53	2.99	2.51
P/B Ratio	1.03	1.06	0.98	1.22	1.00	0.64
Price/Tangible Book	1.04	1.06	0.98	1.22	1.00	0.64
Price/FCF	13.65	14.09	9.30	6.16	5.90	-
Price/OCF	10.89	10.99	7.35	5.65	5.25	36.72
Enterprise Value Ratios
Profitability & Returns
Return on Equity (ROE)	7.80%	6.67%	6.88%	13.62%	7.45%	-10.04%
Return on Assets (ROA)	0.66%	0.54%	0.54%	1.20%	0.76%	-1.12%
Leverage & Solvency Ratios
Debt/Equity	0.47	0.23	1.17	0.67	0.04	0.09
Debt/FCF	6.27	3.04	11.12	3.40	0.20	-
Liquidity Ratios
Efficiency Ratios
Yield & Distribution Ratios
Earnings Yield	7.22%	6.04%	6.81%	12.53%	7.76%	-16.21%
FCF Yield	7.33%	7.10%	10.75%	16.23%	16.96%	-0.85%
Buyback Yield	1.58%	1.82%	5.51%	6.63%	0.14%	-0.46%
Total Return	1.58%	1.82%	5.51%	6.63%	0.14%	-0.46%

Source: Company financial statements from annual and quarterly filings. Data as of Jun 30, 2026. Data sources and methodology

Frequently Asked Questions About Carter Bankshares Financial Ratios

What is Carter Bankshares's P/E ratio?

Carter Bankshares's P/E ratio was 14.01 for fiscal 2025 (period ended Dec 31, 2025). It was 16.72 a year earlier.

What is Carter Bankshares's return on equity?

Carter Bankshares's return on equity (ROE) was 7.8% for fiscal 2025 (period ended Dec 31, 2025). It was 6.7% a year earlier.

What is Carter Bankshares's debt-to-equity ratio?

Carter Bankshares's debt-to-equity ratio was 0.47 for fiscal 2025 (period ended Dec 31, 2025). It was 0.23 a year earlier.

What is return on equity (ROE)?

Return on equity is net income divided by shareholders' equity. It measures how much profit a company generates from the capital its shareholders have invested. Full definition