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Carter Bankshares, Inc. (the Company ) is a bank holding company headquartered in Martinsville, Virginia with assets of $4.9 billion at December 31, 2025. In October 2025, the Company elected to become a financial holding company under the Bank Holding Company Act of 1956, as amended (the BHCA ).
129.88% net margin is above average for a financial institution, suggesting strong underwriting or fee income alongside controlled credit costs.
Revenue declined 1.3% YoY. For a bank, this often signals contracting loan book or reduced fee income.
Traditional FCF and operating-margin metrics are not meaningful for financial institutions. Evaluate using net interest margin, credit quality, and capital ratios instead.
Profitability & Returns
Revenue (FY)
$24M
▼ -1.3% YoY
Net Income (TTM)
$108M
▲ +27.9% YoY
Net Margin
—
P/E
—
Balance Sheet
Total Assets
$4.80B
Equity
$505M
Total Debt
$0.00
Cash & Equiv.
$228M
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