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CARE

Carter BanksharesC
Nasdaq / Banks
Last Price
At close
2026-07-22
View Chart
Current thesis
NIM expansion and stable deposits drive EPS upside and multiple re-rating toward the analyst high (~$24.00) over 12 months; limited M&A interest or multiple expansion would accelerate that upside.
Posture
Mixed
Lead driver
Momentum
What changed
Next scheduled catalyst: earnings 2026-07-23.
What can break
Higher loan-loss provisions from local CRE or commercial borrowers
Momentum
86
Value
45
Sentiment
34
Setup hits (3d)
0 · Net Neutral
AI TargetsBase $22.82 · Bull $24.00 · Bear $18.00
Earnings
2026-07-23
Data freshness
Prices
As of 2026-07-22
Fundamentals
As of 2026-07-21 • Vendor: Data Vendor v1
Scores
As of 2026-07-22 • Model: HYBRID_IC_RP
AI Memo
As of 2026-01-29 • Model: RankAlpha Sentiment AI
Investment thesis
As of 2026-07-22
Supporting evidence
What
Grade C · Mixed
Confidence Medium · Net Neutral
Target $28.00
Why
Momentum86 · Δ7d +3.4
Value45 · Δ7d -0.2
Sentiment34 · Δ7d -3.0
So what
Balanced signals (Net Neutral). Wait for confirmation before sizing up.
Lead driver: Momentum · See technicals
Momentum
86
26% active weight
Current posture
7d trendFlat
Δ7d
+3.4
Δ21d
-2.4
Value
45
39% active weight
Current posture
7d trendFlat
Δ7d
-0.2
Δ21d
+0.5
Sentiment
34
34% active weight
Current posture
7d trendSoftening
Δ7d
-3.0
Δ21d
-0.7
Why this grade

Composite grade C. Momentum 85.5 / Value 44.7 / Sentiment 33.7

Fundamentals (TTM)
As of 2026-07-21
Market Cap
$739.77M
Beta
0.57
Shares Out
22.22M
P/E (TTM)
14.5
P/S (TTM)
2.94
P/FCF (TTM)
13.99
Rev YoY
+106.9%
EPS YoY
+900.9%
Gross Margin
-
Op Margin
+26.8%
Net Debt
$152.49M
Current Ratio
0.07
As of 2026-07-22 • Updated nightlySource: Internal modelMethodology