Carter Bank and Net Income
| CARE Stock | USD 21.80 0.20 0.93% |
As of the 15th of February 2026, Carter Bank shows the Mean Deviation of 1.01, downside deviation of 1.31, and Risk Adjusted Performance of 0.2037. Carter Bank technical analysis gives you the methodology to make use of historical prices and volume patterns to determine a pattern that approximates the direction of the firm's future prices. Please confirm Carter Bank value at risk, and the relationship between the jensen alpha and semi variance to decide if Carter Bank is priced correctly, providing market reflects its regular price of 21.8 per share. Given that Carter Bank has jensen alpha of 0.3003, we suggest you to validate Carter Bank and's prevailing market performance to make sure the company can sustain itself at a future point.
Carter Bank Total Revenue |
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Gross Profit | Profit Margin | Market Capitalization | Enterprise Value Revenue 4.428 | Revenue |
| Last Reported | Projected for Next Year | ||
| Net Income | 28.2 M | 21 M | |
| Net Income Applicable To Common Shares | 45.1 M | 47.4 M | |
| Net Income From Continuing Ops | 28.2 M | 22.8 M | |
| Net Income Per Share | 1.40 | 1.47 | |
| Net Income Per E B T | 0.78 | 0.88 |
Carter | Net Income | Build AI portfolio with Carter Stock |
Analyzing Carter Bank's Net Income over time reveals critical patterns in financial health and operational efficiency. This metric helps investors evaluate trends, identify inflection points, and make informed decisions based on historical performance. Understanding how Net Income has evolved provides context for assessing Carter Bank's current valuation and future prospects.
Latest Carter Bank's Net Income Growth Pattern
Below is the plot of the Net Income of Carter Bank and over the last few years. Net income is one of the most important fundamental items in finance. It plays a large role in Carter Bank financial statement analysis. It represents the amount of money remaining after all of Carter Bank and operating expenses, interest, taxes and preferred stock dividends have been deducted from a company total revenue. It is Carter Bank's Net Income historical data analysis aims to capture in quantitative terms the overall pattern of either growth or decline in Carter Bank's overall financial position and show how it may be relating to other accounts over time.
| View | Last Reported 24.52 M | 10 Years Trend |
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Net Income |
| Timeline |
Carter Net Income Regression Statistics
| Arithmetic Mean | 20,679,923 | |
| Geometric Mean | 19,051,494 | |
| Coefficient Of Variation | 102.64 | |
| Mean Deviation | 14,136,896 | |
| Median | 26,076,000 | |
| Standard Deviation | 21,226,709 | |
| Sample Variance | 450.6T | |
| Range | 96M | |
| R-Value | 0.04 | |
| Mean Square Error | 479.9T | |
| R-Squared | 0 | |
| Significance | 0.88 | |
| Slope | 161,580 | |
| Total Sum of Squares | 7209.2T |
Carter Net Income History
Other Fundumenentals of Carter Bank
| Net Income Applicable To Common Shares | ||
| Net Income From Continuing Ops | ||
| Net Income Per Share | ||
| Net Income Per E B T |
Carter Bank Net Income component correlations
Carter Net Income Driver Correlations
Understanding the fundamental principles of building solid financial models for Carter Bank is extremely important. It helps to project a fair market value of Carter Stock properly, considering its historical fundamentals such as Net Income. Since Carter Bank's main accounts across its financial reports are all linked and dependent on each other, it is essential to analyze all possible correlations between related accounts. However, instead of reviewing all of Carter Bank's historical financial statements, investors can examine the correlated drivers to determine its overall health. This can be effectively done using a conventional correlation matrix of Carter Bank's interrelated accounts and indicators.
Click cells to compare fundamentals
Will Regional Banks sector continue expanding? Could Carter diversify its offerings? Factors like these will boost the valuation of Carter Bank. Projected growth potential of Carter fundamentally drives upward valuation adjustments. Accurate valuation requires analyzing both current fundamentals and future growth trajectories. Every Carter Bank data point contributes insight, yet successful analysis hinges on identifying the most consequential variables.
Quarterly Earnings Growth 0.059 | Earnings Share 1.38 | Revenue Per Share | Quarterly Revenue Growth 0.064 | Return On Assets |
Understanding Carter Bank requires distinguishing between market price and book value, where the latter reflects Carter's accounting equity. The concept of intrinsic value - what Carter Bank's is actually worth based on fundamentals - guides informed investors toward better entry and exit points. Seasoned market participants apply comprehensive analytical frameworks to derive fundamental worth and identify mispriced opportunities. Market sentiment, economic cycles, and investor behavior can push Carter Bank's price substantially above or below its fundamental value.
It's important to distinguish between Carter Bank's intrinsic value and market price, which are calculated using different methodologies. Investment decisions regarding Carter Bank should consider multiple factors including financial performance, growth metrics, competitive position, and professional analysis. In contrast, Carter Bank's trading price reflects the actual exchange value where willing buyers and sellers reach mutual agreement.
Carter Bank 'What if' Analysis
In the world of financial modeling, what-if analysis is part of sensitivity analysis performed to test how changes in assumptions impact individual outputs in a model. When applied to Carter Bank's stock what-if analysis refers to the analyzing how the change in your past investing horizon will affect the profitability against the current market value of Carter Bank.
| 11/17/2025 |
| 02/15/2026 |
If you would invest 0.00 in Carter Bank on November 17, 2025 and sell it all today you would earn a total of 0.00 from holding Carter Bank and or generate 0.0% return on investment in Carter Bank over 90 days. Carter Bank is related to or competes with Greene County, First Bank, Sierra Bancorp, Kearny Financial, West Bancorporation, Southern First, and Bank7 Corp. Carter Bankshares, Inc. operates as the bank holding company for Carter Bank Trust that provides various banking product... More
Carter Bank Upside/Downside Indicators
Understanding different market momentum indicators often help investors to time their next move. Potential upside and downside technical ratios enable traders to measure Carter Bank's stock current market value against overall market sentiment and can be a good tool during both bulling and bearish trends. Here we outline some of the essential indicators to assess Carter Bank and upside and downside potential and time the market with a certain degree of confidence.
| Downside Deviation | 1.31 | |||
| Information Ratio | 0.1984 | |||
| Maximum Drawdown | 7.35 | |||
| Value At Risk | (1.48) | |||
| Potential Upside | 3.19 |
Carter Bank Market Risk Indicators
Today, many novice investors tend to focus exclusively on investment returns with little concern for Carter Bank's investment risk. Other traders do consider volatility but use just one or two very conventional indicators such as Carter Bank's standard deviation. In reality, there are many statistical measures that can use Carter Bank historical prices to predict the future Carter Bank's volatility.| Risk Adjusted Performance | 0.2037 | |||
| Jensen Alpha | 0.3003 | |||
| Total Risk Alpha | 0.2388 | |||
| Sortino Ratio | 0.2184 | |||
| Treynor Ratio | 0.4559 |
Carter Bank February 15, 2026 Technical Indicators
| Cycle Indicators | ||
| Math Operators | ||
| Math Transform | ||
| Momentum Indicators | ||
| Overlap Studies | ||
| Pattern Recognition | ||
| Price Transform | ||
| Statistic Functions | ||
| Volatility Indicators | ||
| Volume Indicators |
| Risk Adjusted Performance | 0.2037 | |||
| Market Risk Adjusted Performance | 0.4659 | |||
| Mean Deviation | 1.01 | |||
| Semi Deviation | 0.815 | |||
| Downside Deviation | 1.31 | |||
| Coefficient Of Variation | 404.95 | |||
| Standard Deviation | 1.44 | |||
| Variance | 2.08 | |||
| Information Ratio | 0.1984 | |||
| Jensen Alpha | 0.3003 | |||
| Total Risk Alpha | 0.2388 | |||
| Sortino Ratio | 0.2184 | |||
| Treynor Ratio | 0.4559 | |||
| Maximum Drawdown | 7.35 | |||
| Value At Risk | (1.48) | |||
| Potential Upside | 3.19 | |||
| Downside Variance | 1.71 | |||
| Semi Variance | 0.6642 | |||
| Expected Short fall | (1.18) | |||
| Skewness | 0.4538 | |||
| Kurtosis | 1.5 |
Carter Bank Backtested Returns
Carter Bank appears to be very steady, given 3 months investment horizon. Carter Bank secures Sharpe Ratio (or Efficiency) of 0.3, which signifies that the company had a 0.3 % return per unit of risk over the last 3 months. We have found twenty-nine technical indicators for Carter Bank and, which you can use to evaluate the volatility of the firm. Please makes use of Carter Bank's Mean Deviation of 1.01, downside deviation of 1.31, and Risk Adjusted Performance of 0.2037 to double-check if our risk estimates are consistent with your expectations. On a scale of 0 to 100, Carter Bank holds a performance score of 23. The firm shows a Beta (market volatility) of 0.76, which signifies possible diversification benefits within a given portfolio. As returns on the market increase, Carter Bank's returns are expected to increase less than the market. However, during the bear market, the loss of holding Carter Bank is expected to be smaller as well. Please check Carter Bank's semi variance, rate of daily change, and the relationship between the value at risk and kurtosis , to make a quick decision on whether Carter Bank's price patterns will revert.
Auto-correlation | 0.77 |
Good predictability
Carter Bank and has good predictability. Overlapping area represents the amount of predictability between Carter Bank time series from 17th of November 2025 to 1st of January 2026 and 1st of January 2026 to 15th of February 2026. The more autocorrelation exist between current time interval and its lagged values, the more accurately you can make projection about the future pattern of Carter Bank price movement. The serial correlation of 0.77 indicates that around 77.0% of current Carter Bank price fluctuation can be explain by its past prices.
| Correlation Coefficient | 0.77 | |
| Spearman Rank Test | 0.75 | |
| Residual Average | 0.0 | |
| Price Variance | 0.77 |
Because income is reported on the Income Statement of a company and is measured in dollars some investors prefer to use Profit Margin, which measures income as a percentage of sales.
| Competition |
Carter Accumulated Other Comprehensive Income
Accumulated Other Comprehensive Income |
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Based on the recorded statements, Carter Bank and reported net income of 24.52 M. This is 98.08% lower than that of the Banks sector and significantly higher than that of the Financials industry. The net income for all United States stocks is 95.71% higher than that of the company.
Carter Net Income Peer Comparison
Stock peer comparison is one of the most widely used and accepted methods of equity analyses. It analyses Carter Bank's direct or indirect competition against its Net Income to detect undervalued stocks with similar characteristics or determine the stocks which would be a good addition to a portfolio. Peer analysis of Carter Bank could also be used in its relative valuation, which is a method of valuing Carter Bank by comparing valuation metrics of similar companies.Carter Bank is currently under evaluation in net income category among its peers.
Carter Bank ESG Sustainability
Some studies have found that companies with high sustainability scores are getting higher valuations than competitors with lower social-engagement activities. While most ESG disclosures are voluntary and do not directly affect the long term financial condition, Carter Bank's sustainability indicators can be used to identify proper investment strategies using environmental, social, and governance scores that are crucial to Carter Bank's managers, analysts, and investors.Environmental | Governance | Social |
Carter Bank Institutional Holders
Institutional Holdings refers to the ownership stake in Carter Bank that is held by large financial organizations, pension funds or endowments. Institutions may hold large blocks of Carter Bank's outstanding shares and can exert considerable influence upon its management. Institutional holders may also work to push the share price higher once they own the stock. Extensive social media coverage, TV shows, articles in high-profile magazines, and presentations at investor conferences help move the stock higher, increasing Carter Bank's value.| Shares | Goldman Sachs Group Inc | 2025-06-30 | 213.3 K | Hotchkis & Wiley Capital Management Llc | 2025-06-30 | 213 K | Huber Capital Management Llc | 2025-06-30 | 190.6 K | Northern Trust Corp | 2025-06-30 | 187.7 K | Bridgeway Capital Management, Llc | 2025-06-30 | 160.1 K | Citadel Advisors Llc | 2025-06-30 | 144.3 K | Mendon Capital Advisors Corp | 2025-06-30 | 142.4 K | Diversified Trust Co | 2025-06-30 | 134.1 K | Ejf Capital Llc | 2025-06-30 | 129.5 K | Blackrock Inc | 2025-06-30 | 1.7 M | Vanguard Group Inc | 2025-06-30 | 1.3 M |
Carter Fundamentals
| Return On Equity | 0.078 | ||||
| Return On Asset | 0.0066 | ||||
| Profit Margin | 0.20 % | ||||
| Operating Margin | 0.30 % | ||||
| Current Valuation | 554.75 M | ||||
| Shares Outstanding | 22.08 M | ||||
| Shares Owned By Insiders | 2.22 % | ||||
| Shares Owned By Institutions | 55.35 % | ||||
| Number Of Shares Shorted | 939.62 K | ||||
| Price To Earning | 11.53 X | ||||
| Price To Book | 1.15 X | ||||
| Price To Sales | 3.07 X | ||||
| Revenue | 254.63 M | ||||
| Gross Profit | 157.06 M | ||||
| EBITDA | 40 M | ||||
| Net Income | 24.52 M | ||||
| Cash And Equivalents | 65.71 M | ||||
| Cash Per Share | 2.72 X | ||||
| Total Debt | 178.5 M | ||||
| Book Value Per Share | 19.00 X | ||||
| Cash Flow From Operations | 36.94 M | ||||
| Short Ratio | 8.45 X | ||||
| Earnings Per Share | 1.38 X | ||||
| Target Price | 24.83 | ||||
| Number Of Employees | 680 | ||||
| Beta | 0.55 | ||||
| Market Capitalization | 481.5 M | ||||
| Total Asset | 4.85 B | ||||
| Retained Earnings | 364.97 M | ||||
| Five Year Return | 3.04 % | ||||
| Net Asset | 4.85 B |
About Carter Bank Fundamental Analysis
The Macroaxis Fundamental Analysis modules help investors analyze Carter Bank and's financials across various querterly and yearly statements, indicators and fundamental ratios. We help investors to determine the real value of Carter Bank using virtually all public information available. We use both quantitative as well as qualitative analysis to arrive at the intrinsic value of Carter Bank and based on its fundamental data. In general, a quantitative approach, as applied to this company, focuses on analyzing financial statements comparatively, whereas a qaualitative method uses data that is important to a company's growth but cannot be measured and presented in a numerical way.
Please read more on our fundamental analysis page.
Also Currently Popular
Analyzing currently trending equities could be an opportunity to develop a better portfolio based on different market momentums that they can trigger. Utilizing the top trending stocks is also useful when creating a market-neutral strategy or pair trading technique involving a short or a long position in a currently trending equity.When determining whether Carter Bank is a strong investment it is important to analyze Carter Bank's competitive position within its industry, examining market share, product or service uniqueness, and competitive advantages. Beyond financials and market position, potential investors should also consider broader economic conditions, industry trends, and any regulatory or geopolitical factors that may impact Carter Bank's future performance. For an informed investment choice regarding Carter Stock, refer to the following important reports:Check out You can also try the Stock Tickers module to use high-impact, comprehensive, and customizable stock tickers that can be easily integrated to any websites.
Will Regional Banks sector continue expanding? Could Carter diversify its offerings? Factors like these will boost the valuation of Carter Bank. Projected growth potential of Carter fundamentally drives upward valuation adjustments. Accurate valuation requires analyzing both current fundamentals and future growth trajectories. Every Carter Bank data point contributes insight, yet successful analysis hinges on identifying the most consequential variables.
Quarterly Earnings Growth 0.059 | Earnings Share 1.38 | Revenue Per Share | Quarterly Revenue Growth 0.064 | Return On Assets |
Understanding Carter Bank requires distinguishing between market price and book value, where the latter reflects Carter's accounting equity. The concept of intrinsic value - what Carter Bank's is actually worth based on fundamentals - guides informed investors toward better entry and exit points. Seasoned market participants apply comprehensive analytical frameworks to derive fundamental worth and identify mispriced opportunities. Market sentiment, economic cycles, and investor behavior can push Carter Bank's price substantially above or below its fundamental value.
It's important to distinguish between Carter Bank's intrinsic value and market price, which are calculated using different methodologies. Investment decisions regarding Carter Bank should consider multiple factors including financial performance, growth metrics, competitive position, and professional analysis. In contrast, Carter Bank's trading price reflects the actual exchange value where willing buyers and sellers reach mutual agreement.