What is the 13F Pro Quality Score for CARE?

13F Pro ranks Carter Bankshares, Inc. (CARE) on the 13F Pro Quality Score, a 0–100 composite of 32 fundamental signals including return on invested capital, free cash flow consistency, balance-sheet strength, earnings quality, growth durability, and valuation discipline. The score refreshes after each 10-K and 10-Q filing on SEC EDGAR. View CARE's current score at https://13fpro.ai/research/CARE (free sign-up required for the full ranking).

Which hedge funds own the most CARE stock?

Based on the most recent Form 13F-HR filings on SEC EDGAR, the largest reported institutional holders of CARE include BlackRock,, Fourthstone, DIMENSIONAL FUND ADVISORS. Holdings are reported quarterly within 45 days of quarter-end and updated on https://13fpro.ai/research/CARE as soon as new 13F filings post.

Where does 13F Pro source CARE data?

All Carter Bankshares, Inc. fundamentals and ownership data come directly from SEC EDGAR. Carter Bankshares, Inc. files with the SEC under CIK 1829576. 13F Pro ingests XBRL financial facts from 10-K and 10-Q filings, Form 13F-HR institutional holdings, and Form 4 insider transactions, with no third-party rewrites or estimates.

What sector is CARE in?

Carter Bankshares, Inc. (CARE) is classified in the Financials sector. 13F Pro publishes sector-level fund flow analysis and quality leaders at https://13fpro.ai/research/sector/financials.

How often is CARE research updated on 13F Pro?

CARE's fundamentals refresh within hours of each new 10-K or 10-Q filing on SEC EDGAR. Institutional ownership updates after each quarterly 13F filing window. Insider transactions update after each Form 4 filing. The 13F Pro Quality Score recalculates after every fundamentals refresh.

Carter Bankshares, Inc.(CARE)Stock Analysis

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13F Pro Quality Score

38.0/100

Rank #2,030 of 2,879 stocks

View Financials peers →

Rankings refresh quarterly once 80% of peers have filed (~45 days after quarter-end). Next update: ~Aug 14, 2026.

Revenue Growth

30.0/100

Profitability

30.0/100

Balance Sheet

53.1/100

Earnings Quality

91.4/100

Free Cash Flow

30.0/100

Institutional Flow

72.7/100

Revenue Scale

30.0/100

Dilution Risk

16.7/100

CARE Stock Analysis & AI Quality Score

AI stock analysis and institutional research for Carter Bankshares, Inc. (CARE), a Financials sector company. 13F Pro's AI-powered ranking engine scores CARE at 38.0/100 on a 32-signal composite quality model, placing it at rank #2,030 of 2,879 stocks — the bottom half of the AI-ranked universe. CARE scores in the top quartile across earnings quality (91.4). Areas of concern include revenue growth (30.0) and profitability (30.0), which score below median versus the broader universe. Shareholder dilution risk is elevated at 16.7/100, reflecting ongoing share issuance or stock-based compensation. Based on the latest XBRL financial filings (Q1 2026), Carter Bankshares, Inc. reports quarterly revenue of $106.9M, net income of $85.8M, free cash flow of $302.4M. Top institutional holders of CARE by reported 13-F value include BlackRock,, Fourthstone, DIMENSIONAL FUND ADVISORS, based on the most recent SEC filings. CARE trades on the Nasdaq exchange and files with the SEC under CIK 1829576. 13F Pro's AI research platform runs 10 specialized AI analysts — value, growth, momentum, macro, and activist specialists — that debate CARE daily and publish AI-generated analysis with cited SEC sources. The platform aggregates historical XBRL financial facts, 10-Q and 10-K filings, insider Form 4 transactions, and institutional 13-F holdings for Carter Bankshares, Inc. directly from SEC EDGAR. Carter Bankshares, Inc.'s 13F Pro composite quality score has ranged between 8 and 50 since 2022, currently 38.0 — an improving long-term trajectory across 52 quarterly and live scoring snapshots.

✦

Fun facts about Carter Bankshares, Inc.

Quirks, history, and lore behind CARE — the kind of stuff that makes a stock memorable.

1
The Basics
A U.S. community bank holding company · small-cap · listed on Nasdaq · headquartered in Virginia.
2
The Numbers
Operates roughly 65 branch locations across Virginia and North Carolina, with total assets in the neighborhood of $4–5 billion — a true regional player.
3
The History
Rooted in the foothills of the Blue Ridge, the bank traces its origins back over a century — surviving depressions, recessions, and more rate cycles than most people have had hot dinners.
4
The Secret
Its focus is decidedly old-school community banking: commercial loans, consumer deposits, and mortgage lending — no flashy fintech pivots, just the bread-and-butter business.
5
The Lore
Headquartered in Martinsville, Virginia — a small city better known for NASCAR racing than Wall Street — it's one of the largest independent banks still standing in that corner of the state.
6
The Giveaway
Its ticker spells out a feeling of tender loving concern, and its name honors the Carter family — no, not that one — who built a banking legacy across the Virginia-Carolina border.

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Revenue

Q1 2026

$106.9M

Net Income

Q1 2026

$85.8M

Free Cash Flow

Q1 2026

$302.4M

Revenue & Net Income

Earnings Per Share

Key Financials Over Time

Export Financial Table · Pro+

Revenue

+4.6% YoY

$20.3MFY 2025

FY22 $18.3MFY23 $17.3MFY24 $19.4MFY25 $20.3M

Net Income

+27.9% YoY

$31.4MFY 2025

FY22 $50.1MFY23 $23.4MFY24 $24.5MFY25 $31.4M

EPS (Diluted)

+30.2% YoY

$1.38FY 2025

FY22 $2.03FY23 $1.00FY24 $1.06FY25 $1.38

Total Assets

+4.1% YoY

$4.85BFY 2025

FY22 $4.20BFY23 $4.51BFY24 $4.66BFY25 $4.85B

Op. Cash Flow

+7.9% YoY

$39.9MFY 2025

FY22 $70.8MFY23 $46.7MFY24 $36.9MFY25 $39.9M

Metric	FY 2025	FY 2024	FY 2023	FY 2022	FY 2020	FY 2019
Revenue	$20.3M +4.6%	$19.4M +12.4%	$17.3M -5.8%	$18.3M +1.9%	$18.0M +40.8%	$12.8M
Net Income	$31.4M +27.9%	$24.5M +4.9%	$23.4M -53.3%	$50.1M +209.3%	$-45.9M -272.6%	$26.6M
EPS (Diluted)	$1.38 +30.2%	$1.06 +6.0%	$1.00 -50.7%	$2.03 +216.7%	$-1.74 -272.3%	$1.01
Total Assets	$4.85B +4.1%	$4.66B +3.2%	$4.51B +7.3%	$4.20B +0.6%	$4.18B	—
Operating Cash Flow	$39.9M +7.9%	$36.9M -21.0%	$46.7M -34.0%	$70.8M +818.9%	$7.7M -79.9%	$38.3M

AI Insight: CARE Financial Trends

CARE delivered an extraordinary Q1 2026 with net income surging to $86M from $8M in Q4 2025, while equity jumped to $505M.

• Net income exploded from $8M in Q4 2025 to $86M in Q1 2026, a 975% quarter-over-quarter increase.

• Operating cash flow spiked from $12M in Q4 2025 to $304M in Q1 2026.

• Equity expanded from $420M in Q4 2025 to $505M in Q1 2026, adding $85M in one quarter.

⚠ Q1 2026 results appear exceptional versus recent quarterly run-rate — sustainability of this performance level unclear.

⚠ Net income showed volatility in prior quarters, ranging from $5M to $9M before the Q1 2026 surge.

AI Insight: CARE Ratio Trends

Carter Bankshares delivered an extraordinary Q1 2026 performance with ROE surging to 67.9% and ROIC hitting 87.2%.

• ROE exploded from 8.1% in Q4 2025 to 67.9% in Q1 2026, marking the highest quarterly return in the dataset.

• ROIC jumped from 10.6% in Q4 2025 to 87.2% in Q1 2026, indicating exceptional capital efficiency.

• ROA increased from 0.7% in Q4 2025 to 7.1% in Q1 2026, reflecting strong asset utilization.

⚠ The massive Q1 2026 returns create a high bar for sustainability given the 8x jump from prior quarters.

⚠ Previous volatility seen with ROE dropping from 8.9% to 5.2% between Q1 2025 and Q3 2025 suggests performance inconsistency.

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Available Research

13F Pro tracks comprehensive data for Carter Bankshares, Inc. including:

SEC EDGAR filings (10-K, 10-Q, 8-K)

XBRL financial facts (revenue, EPS, margins)

Insider transactions (Form 4)

Institutional 13F holdings

Quality rankings (32 signals)

AI analyst debates & daily meetings

Historical financial trends

Peer comparison & sector analysis

Top Institutional Holders of CARE

BlackRock, Inc.
$38.9M1,668,818 sh
Fourthstone LLC
$35.0M1,502,119 sh
DIMENSIONAL FUND ADVISORS LP
$27.4M1,175,925 sh
VANGUARD CAPITAL MANAGEMENT LLC
$23.0M984,983 sh
AMERICAN CENTURY COMPANIES INC
$12.6M540,866 sh
GEODE CAPITAL MANAGEMENT, LLC
$12.0M515,975 sh
STATE STREET CORP
$11.6M498,902 sh
KENNEDY CAPITAL MANAGEMENT LLC
$10.5M449,617 sh
Petiole USA ltd
$8.9M381,373 sh
GOLDMAN SACHS GROUP INC
$8.3M356,388 sh

Fund	Value	Shares
BlackRock, Inc.	$38.9M	1,668,818
Fourthstone LLC	$35.0M	1,502,119
DIMENSIONAL FUND ADVISORS LP	$27.4M	1,175,925
VANGUARD CAPITAL MANAGEMENT LLC	$23.0M	984,983
AMERICAN CENTURY COMPANIES INC	$12.6M	540,866
GEODE CAPITAL MANAGEMENT, LLC	$12.0M	515,975
STATE STREET CORP	$11.6M	498,902
KENNEDY CAPITAL MANAGEMENT LLC	$10.5M	449,617
Petiole USA ltd	$8.9M	381,373
GOLDMAN SACHS GROUP INC	$8.3M	356,388

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Is CARE a good stock to buy?

13F Pro's AI-powered analysis of Carter Bankshares, Inc. (CARE) draws on SEC EDGAR-sourced fundamentals, institutional 13F holdings, and insider Form 4 transactions in the Financials sector (listed on Nasdaq). The 32-signal AI Quality Score, current rank, and full bull/bear verdict for CARE are available on the CARE stock profile dashboard — with the same data, AI insights, ratios, and institutional activity refreshed after every 10-K, 10-Q, 13F, and Form 4 filing.

Which hedge funds own CARE?

Institutional investors are required to disclose their holdings quarterly via SEC Form 13F. 13F Pro aggregates these filings to show which hedge funds, mutual funds, and asset managers are buying or selling CARE. Combined with insider transaction data from Form 4 filings and AI-powered analysis from 10 specialized research agents, 13F Pro provides a comprehensive view of Carter Bankshares, Inc.'s investment landscape.