Carter Bankshares (CARE) Stock Analysis & Winston Score

Carter Bankshares is a regional bank headquartered in Martinsville, Virginia. It offers everyday banking services like checking and savings accounts, loans, and mortgages to individuals and small businesses. The bank operates mainly in Virginia and North Carolina through a network of branch locations.

Carter Bankshares makes money primarily by collecting interest on loans and charging fees for banking services. It is a smaller community bank with around $4 billion in total assets, which means it competes against both large national banks and other local lenders. Its main advantage is deep roots in its local communities, but its small size and geographic concentration in a limited region also represent a key risk — any economic slowdown in Virginia or North Carolina could have an outsized impact on loan quality and earnings.

Winston Score History

Growth Profile

For growth stock investors

When traditional metrics don't capture the full picture, these are the signals growth stock investors use instead.

Revenue Growth

+110.2% YoY

YoY Growth Rate

Revenue accelerating

EPS Growth

+907.7% YoY

YoY Growth Rate

EPS growth accelerating

Insider Activity

4.2%ownership

→ Flat

Insiders holding steady — not selling despite ability to

Cash Position

Cash flow positive

$37M cash & investments

Quarterly Free Cash Flow

↑ Burn rate improving

Company generates more cash than it spends — no dilution risk from fundraising

Revenue accelerating

Carter Bankshares grew revenue 110% year-over-year and the growth rate is speeding up. That's the kind of momentum growth investors look for — the question is whether margins can follow.

The Winston Score above measures business quality today. Growth stocks often score lower because they invest in the future rather than maximising current profits. These metrics show what matters most for evaluating that future.

Score breakdown

Every number that matters to educated investors.

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Quality

Gross Margin

108.4%

Premium pricing power — 108.4% gross margin

Operating Margin

84.5%

Excellent — 84.5% operating margin

ROCE

21.8%

Exceptional — 21.8% return on capital

ROIC between 15% and 25%. Every dollar invested in the business earns 15 to 25 cents back per year.

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Growth

Sales YoY

+31.5%

Fast-growing sales (31.5% YoY)

EPS YoY

+310.8%

Earnings growing fast (310.8% YoY)

Earnings growing 25%+ a year. The compounder zone.

EPS Consistency

6/8 quarters

Earnings grew in most of the last 8 quarters

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Cash Flow

Cash Conversion

312%

Turns 312% of profit into real cash

FCF Margin

102.3%

Converts sales into free cash efficiently (102.3%)

Free cash flow margin above 20%. Out of every $100 in sales, more than $20 is real cash they keep.

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Stability

Debt / Equity

N/A

Data not available

Interest Cover

1.41x

Dangerous — barely covers interest (1.4x)

Interest coverage between 1 and 3. Profits cover interest, but with little room to spare.

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Valuation

P/E Ratio (TTM)

6.4x

no trend

Attractive valuation — P/E 6.4

P/E under 10. The price tag is small relative to last year's profit.

P/E vs Forward

-5.9

SLOWING

Earnings expected to fall — forward P/E higher than today

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Dividends

Dividend Yield

0.32%

no trend

Small dividend — 0.32% yield

Modest yield. The bulk of any return needs to come from price appreciation.

Dividend Growth

+10.0%

no trend

Dividend growing fast (10.0% YoY)

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