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/company/CARE (free sign-up required for the full ranking).

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.

What drives CARE's revenue?

Per Carter Bankshares, Inc.'s latest 10-Q filed with the SEC on 2026-08-06, the biggest revenue drivers are: Net Interest Income ($40.0M, +23.5% YoY); Noninterest Income ($28.7M, +485.4% YoY); Gain on the Insurance Transaction ($35.9M). Figures are extracted from the filing text and machine-verified against the document. Full breakdown at https://13fpro.ai/company/CARE.

What are CARE's largest expenses?

Carter Bankshares, Inc.'s latest 10-Q reports these as the largest expense items: Salaries and Employee Benefits ($14.1M, -0.2% YoY); Occupancy Expense, net ($4.6M, +8.4% YoY); Other Noninterest Expense ($4.4M, +33.3% YoY). Sourced directly from SEC EDGAR filing text for Q2 FY2026 (quarter ended June 30, 2026).

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

70.3/100

Rank #225 of 2,961 stocksTOP 10%

View Financials peers →

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

Revenue Growth

91.1/100

Profitability

98.0/100

Balance Sheet

57.5/100

Earnings Quality

20.1/100

Free Cash Flow

76.7/100

Institutional Flow

85.2/100

Revenue Scale

27.0/100

Dilution Risk

16.1/100

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Why CARE Scores 70/100

exact factor attribution · 2026-09-11

CARE's composite is driven by revenue growth and profitability, held back by scale and earnings quality. Bars show each factor's exact push vs. a median company, using the same weights the ranking engine applies.

Revenue growth

+11.0 pts

91th pct

Profitability

+9.6 pts

98th pct

Free cash flow

+4.0 pts

77th pct

Earnings growth

+3.2 pts

98th pct

Institutional flow

+2.4 pts

85th pct

Capital efficiency

+1.0 pts

58th pct

Shareholder dilution

-2.3 pts

16th pct

Earnings quality

-3.0 pts

20th pct

Scale

-4.6 pts

27th pct

Latest change (2026-08-06): 38 → 36 · ↓ Capital efficiency 53→41

Factor percentiles are cross-sectional ranks across the ~2,800-stock scored universe, computed from SEC EDGAR filings. Not investment advice.

CARE Stock Analysis & AI Quality Score

Data updated 2026-09-11

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 70.3/100 on a 32-signal composite quality model, placing it at rank #225 of 2,961 stocks — the top 10% of the AI-ranked universe. CARE scores in the top quartile across profitability (98.0), revenue growth (91.1), institutional flow (85.2). Areas of concern include earnings quality (20.1) and revenue scale (27.0), which score below median versus the broader universe. Shareholder dilution risk is elevated at 16.1/100, reflecting ongoing share issuance or stock-based compensation. Based on the latest XBRL financial filings (Q2 2026), Carter Bankshares, Inc. reports quarterly revenue of $68.7M, net income of $28.9M, free cash flow of $-262.9M. Top institutional holders of CARE by reported 13-F value include BlackRock, DIMENSIONAL FUND ADVISORS, VANGUARD CAPITAL MANAGEMENT, 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 32 and 70 since 2022, currently 70.3 — an improving long-term trajectory across 64 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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What's Driving CARE's Business? Latest 10-Q Breakdown

AI-extracted from Carter Bankshares, Inc.'s 10-Q filed 2026-08-06 — Q2 FY2026 (quarter ended June 30, 2026). Every figure is machine-verified against the filing text on SEC EDGAR.

Net income surged to $28.9M ($1.31 diluted EPS) from $8.5M a year ago, driven by a $35.9M pre-tax gain on the Insurance Transaction and NIM expansion to 3.38% from 2.80%.

Biggest Revenue Drivers

Net Interest Income$40.0M+23.5% YoY

Higher average interest-earning assets from redeployment of Loan Sale Transaction proceeds and a 37bp decline in funding costs

Noninterest Income$28.7M+485.4% YoY

Net gain on the Insurance Transaction, partially offset by a $12.5M loss on securities sold in the Portfolio Repositioning

Biggest Revenue Drivers

Net Interest Income$40.0M+23.5% YoY

Higher average interest-earning assets from redeployment of Loan Sale Transaction proceeds and a 37bp decline in funding costs

Noninterest Income$28.7M+485.4% YoY

Net gain on the Insurance Transaction, partially offset by a $12.5M loss on securities sold in the Portfolio Repositioning

Within Noninterest Income

Gain on the Insurance Transaction$35.9M

Sale of the Company's membership interest in Bearing Insurance Group, LLC to an unaffiliated third party, effective May 1, 2026

Largest Expense Items

Salaries and Employee Benefits$14.1M-0.2% YoY

Essentially flat as higher deferred loan origination costs offset incentive compensation and benefit increases

Occupancy Expense, net$4.6M+8.4% YoY

Higher costs for service agreements, software licenses, maintenance contracts and infrastructure investments

Other Noninterest Expense$4.4M+33.3% YoY

A $0.8M OREO property write-down and a $0.5M write-down on a closed corporate office building

Data Processing$2.2M+56.1% YoY

New and expanded service agreements implemented in early 2026

Margins: Net interest margin expanded 58bps YoY to 3.38% (3.40% FTE) as the average yield on earning assets rose to 5.23% while funding costs fell 37bps to 2.39%, aided by redeployed Loan Sale Transaction liquidity and elimination of FHLB borrowings.

Watch Items from the Filing

James C. Justice II and related entities sued the Bank seeking rescission of the Loan Sale Transaction plus direct damages of at least $500 million and punitive damages; outcome cannot yet be estimated.
A new $13.4 million commercial and industrial relationship was downgraded to doubtful/nonaccrual in Q2 2026, requiring a $3.1 million specific reserve and driving the quarter's $2.0 million provision.
Commercial real estate loans represent 57.4% of total portfolio loans ($2.14 billion), concentrated in Virginia, North Carolina and South Carolina.
Top 10 credit relationships total $472.4 million, or 12.65% of gross loans (76.2% of risk-based capital), down from 17.00% pre-Loan Sale Transaction.

AI-extracted and verified against SEC EDGAR filing text. Not investment advice.

Read the full 10-Q on SEC EDGAR →Share on X

Revenue

Q2 2026

$68.7M

Net Income

Q2 2026

$28.9M

Free Cash Flow

Q2 2026

$-262.9M

ROIC

Q2 2026

27.6%

Period

Revenue & Net Income

Earnings Per Share

Key Financials Over Time

Export Financial Table · Pro

Revenue

+12.8% YoY

$153.2MFY 2025

FY22 $161.6MFY23 $140.6MFY24 $135.8MFY25 $153.2M

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

Free Cash Flow

+10.4% YoY

$31.8MFY 2025

FY22 $64.9MFY23 $36.9MFY24 $28.8MFY25 $31.8M

Metric	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Revenue	$153.2M +12.8%	$135.8M -3.4%	$140.6M -13.0%	$161.6M +15.4%	$140.1M +6.4%	$131.7M
Net Income	$31.4M +27.9%	$24.5M +4.9%	$23.4M -53.3%	$50.1M +58.7%	$31.6M +168.9%	$-45.9M
EPS (Diluted)	$1.38 +30.2%	$1.06 +6.0%	$1.00 -50.7%	$2.03 +70.6%	$1.19 +168.4%	$-1.74
Total Assets	$4.85B +4.1%	$4.66B +3.2%	$4.51B +7.3%	$4.20B +1.7%	$4.13B -1.1%	$4.18B
Operating Cash Flow	$39.9M +7.9%	$36.9M -21.0%	$46.7M -34.0%	$70.8M -8.7%	$77.5M +906.5%	$7.7M
Free Cash Flow	$31.8M +10.4%	$28.8M -22.0%	$36.9M -43.1%	$64.9M -6.0%	$69.1M +2958.2%	$-2.4M

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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.
$61.1M1,796,799 sh
DIMENSIONAL FUND ADVISORS LP
$42.7M1,256,126 sh
VANGUARD CAPITAL MANAGEMENT LLC
$32.5M955,877 sh
STATE STREET CORP
$31.0M912,310 sh
AMERICAN CENTURY COMPANIES INC
$24.1M709,568 sh
LAZARD ASSET MANAGEMENT LLC
$21.8M640,742 sh
GEODE CAPITAL MANAGEMENT, LLC
$19.6M576,614 sh
ACADIAN ASSET MANAGEMENT LLC
$13.2M387,397 sh
KENNEDY CAPITAL MANAGEMENT LLC
$13.1M384,084 sh
GOLDMAN SACHS GROUP INC
$12.7M373,745 sh

Fund	Value	Shares
BlackRock, Inc.	$61.1M	1,796,799
DIMENSIONAL FUND ADVISORS LP	$42.7M	1,256,126
VANGUARD CAPITAL MANAGEMENT LLC	$32.5M	955,877
STATE STREET CORP	$31.0M	912,310
AMERICAN CENTURY COMPANIES INC	$24.1M	709,568
LAZARD ASSET MANAGEMENT LLC	$21.8M	640,742
GEODE CAPITAL MANAGEMENT, LLC	$19.6M	576,614
ACADIAN ASSET MANAGEMENT LLC	$13.2M	387,397
KENNEDY CAPITAL MANAGEMENT LLC	$13.1M	384,084
GOLDMAN SACHS GROUP INC	$12.7M	373,745

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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. CARE is classified as a small company.

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.