Carter Bankshares, Inc.CAREEarnings & Financial Report
Carter Bankshares, Inc. is a U.S. regional bank holding company operating Carter Bank & Trust, a community-focused financial institution. It offers a full range of retail and commercial banking products including deposit accounts, personal and business loans, and wealth management services, primarily serving consumers and small business clients across Virginia and North Carolina.
CARE Q4 FY2025 Key Financial Metrics
Revenue
$39.8M
Gross Profit
N/A
Operating Profit
$11.1M
Net Profit
N/A
Gross Margin
N/A
Operating Margin
27.8%
Net Margin
N/A
YoY Growth
15.4%
EPS
$0.38
Carter Bankshares, Inc. Q4 FY2025 Financial Summary
Carter Bankshares, Inc. reported revenue of $39.8M (up 15.4% YoY) for Q4 FY2025, with a net profit of N/A (N/A margin).
Key Financial Metrics
| Total Revenue | $39.8M |
|---|---|
| Net Profit | N/A |
| Gross Margin | N/A |
| Operating Margin | 27.8% |
| Report Period | Q4 FY2025 |
Carter Bankshares, Inc. Annual Revenue by Year
Carter Bankshares, Inc. annual revenue history includes year-by-year totals (for example, 2025 revenue was $153.2M).
Carter Bankshares, Inc. Quarterly Revenue & Net Profit History
Carter Bankshares, Inc. results over the last 8 reported quarters, including revenue, net profit and year-over-year growth.
| Quarter | Revenue | Revenue YoY | Net Profit | Net Margin |
|---|---|---|---|---|
| Q4 FY2025 | $39.8M | +15.4% | N/A | N/A |
| Q3 FY2025 | $39.1M | +14.2% | $5.4M | 13.9% |
| Q2 FY2025 | $37.3M | +10.8% | $8.5M | 22.8% |
| Q1 FY2025 | $37.0M | +10.7% | $9.0M | 24.2% |
| Q4 FY2024 | $34.5M | +12.6% | N/A | N/A |
| Q3 FY2024 | $34.2M | +4.8% | $5.6M | 16.4% |
| Q2 FY2024 | $33.6M | +5.9% | $4.8M | 14.3% |
| Q1 FY2024 | $33.5M | -26.5% | $5.8M | 17.4% |
Income Statement
| Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | |
|---|---|---|---|---|---|---|---|---|
| Revenue | $33.5M | $33.6M | $34.2M | $34.5M | $37.0M | $37.3M | $39.1M | $39.8M |
| YoY Growth | -26.5% | 5.9% | 4.8% | 12.6% | 10.7% | 10.8% | 14.2% | 15.4% |
Balance Sheet
| Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | |
|---|---|---|---|---|---|---|---|---|
| Assets | $4.55B | $4.53B | $4.61B | $4.66B | $4.70B | $4.78B | $4.84B | $4.85B |
| Liabilities | $4.20B | $4.17B | $4.23B | $4.27B | $4.30B | $4.38B | $4.43B | $4.43B |
| Equity | $359.1M | $364.4M | $386.8M | $384.3M | $401.8M | $405.6M | $412.8M | $419.7M |
Cash Flow
| Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | |
|---|---|---|---|---|---|---|---|---|
| Operating CF | $17.6M | $-2.5M | $10.3M | $36.9M | $6.4M | $9.6M | $11.8M | $39.9M |