FY2025 · ended Dec 31, 2025 · Revenue $20.32M, +4.6% YoY · Filed Mar 5, 2026
Carter Bankshares, Inc. (CARE) files with the SEC under industry code 6021, National Commercial Banks. In fiscal 2025, which ended Dec 31, 2025, it reported revenue of $20.3 million and net income of $31.4 million. Free cash flow was $31.8 million.
Revenue
$20.32M
+4.6% vs prior year
Net income
$31.36M
+27.9% vs prior year
Operating cash flow (TTM)
$56.98M
+45.2% vs year-ago TTM
Free cash flow (TTM)
$48.48M
+55.7% vs year-ago TTM
EPS
$1.38
+30.2% vs prior year
Dividend per share
$0.14
Shares outstanding
22.16M
-4.2% vs prior year
Net cash
$94.24M
FY 2025
Operating margin
—
Company profile
- Industry
- National Commercial Banks (SIC 6021)
- Listed as
- CARE (Nasdaq)
- Fiscal year ends
- December 31
- Incorporated in
- VA
- Headquarters
- Martinsville, VA
- SEC filer status
- Accelerated filer
- SEC CIK
- 1829576
Other National Commercial Banks companies
Key figures
Fiscal-year totals from the annual reports. Balance sheet lines are as of each year end.
| Line | FY 2025 Dec 31, 2025 |
FY 2024 Dec 31, 2024 |
FY 2023 Dec 31, 2023 |
FY 2022 Dec 31, 2022 |
FY 2021 Dec 31, 2021 |
|---|---|---|---|---|---|
| Revenue | $20.3M | $19.4M | $17.3M | $18.3M | $17.5M |
| Net income | $31.4M | $24.5M | $23.4M | $50.1M | $31.6M |
| Diluted EPS | $1.38 | $1.06 | $1.00 | $2.03 | $1.19 |
| Operating cash flow | $39.9M | $36.9M | $46.7M | $70.8M | $77.5M |
| Free cash flow | $31.8M | $28.8M | $36.9M | $64.9M | $69.1M |
| Total assets | $4.9B | $4.7B | $4.5B | $4.2B | $4.1B |
| Total liabilities | $4.4B | $4.3B | $4.2B | $3.9B | $3.7B |
| Stockholders' equity | $419.7M | $384.3M | $351.2M | $328.6M | $407.6M |
| Cash and investments | $105.2M | $131.2M | $54.5M | $46.9M | $277.8M |
| Total debt | $10.9M | $10.4M | $7.7M | $6.6M | $3.4M |
Recent SEC filings
| Form | Description | Filed | Period |
|---|---|---|---|
| 8-K |
Current report
Regulation FD disclosure
|
Nov 3, 2026 | Nov 3, 2026 |
| 8-K |
Current report
Other events
|
Oct 29, 2026 | Oct 28, 2026 |
| 8-K |
Current report
Results of operations
|
Oct 29, 2026 | Oct 29, 2026 |
| 8-K |
Current report
Other events
|
Aug 17, 2026 | Aug 17, 2026 |
| 8-K |
Current report
Other events
|
Aug 11, 2026 | Aug 11, 2026 |
| 10-Q | Quarterly report | Aug 6, 2026 | Jun 30, 2026 |
All 450 Carter Bankshares, Inc. SEC filings
Source: SEC EDGAR filings. This is company-reported data, not investment advice.