Carter Bankshares, Inc.
CARE · National Commercial Banks · 22.2M shares · -3%/yr ↓ buyback · EDGAR filings ↗
Net buyback after stock comp: $15M (gross $16M, SBC $2M)
Reference price $26.47 · est. market cap ~$588M — last insider sale, 2026-05-12 (estimated from the dated SEC Form 4 price × shares outstanding — not a live quote)
Grade
C60Carter Bankshares — Virginia/Carolinas bank with low ROE.
Strengths
- Net income +28% (53rd pct)
Risks
- ROE 7.5% (22nd), ROA (14th) weak; large problem-credit overhang
- Rate sensitivity
Notable findings
- Exec changeRecent 8-K item 5.02 8-K ↗
- Insider buyingInsider buying — 1 open-market buy(s) by 1 insider(s) (~$119,865, last 6mo) Form 4 ↗
- Buying back stockNet buyback — share count -3%/yr over 4y
- Insider sellingInsider selling — 2 open-market sale(s) by 2 insider(s) (cluster of 2 insiders, last 6mo) Form 4 ↗
Key metrics
Net margin
154.4%
Return on equity
7.5%
Return on assets
0.6%
Revenue growth (QoQ)
4.6%
Net-income growth
27.9%
Free cash flow
$32M
Tangible book value
$418M
Stock comp / revenue
10.2%
Insider transactions · last 18 months
| Date | Insider | Type | Shares | Price |
|---|---|---|---|---|
| 2026-05-21 | Davis Jane Ann | Tax withheld | 261 | $26.95 |
| 2026-05-12 | Langs Bradford N. | Sell | 5.5K | $26.47 |
| 2026-05-08 | Walsh Elizabeth L. | Gift | 725 | — |
| 2026-05-06 | Walsh Elizabeth L. | Buy | 4.6K | $26.20 |
| 2026-05-05 | Haskins James W. | Sell | 1.0K | $26.04 |
| 2026-04-27 | Adams Arthur Loran | Grant | 1.6K | — |
| 2026-04-27 | Davis Jane Ann | Grant | 1.9K | — |
| 2026-04-20 | Davis Jane Ann | Tax withheld | 296 | $24.24 |
| 2026-03-04 | Van Dyke Litz H | Tax withheld | 819 | $20.98 |
| 2026-03-04 | Speare Matthew M. | Tax withheld | 411 | $20.98 |
| 2026-03-04 | Langs Bradford N. | Tax withheld | 638 | $20.98 |
| 2026-03-04 | Bell Wendy S. | Tax withheld | 435 | $20.98 |
| 2026-03-04 | Davis Jane Ann | Tax withheld | 309 | $20.98 |
| 2026-02-25 | Speare Matthew M. | Grant | 2.2K | — |
| 2026-02-25 | Speare Matthew M. | Grant | 3.1K | — |
| 2026-02-25 | Adams Arthur Loran | Grant | 1.0K | — |
| 2026-02-25 | Kallsen Tony E | Grant | 2.0K | — |
| 2026-02-25 | Langs Bradford N. | Grant | 3.7K | — |
| 2026-02-25 | Langs Bradford N. | Grant | 4.4K | — |
| 2026-02-25 | Van Dyke Litz H | Grant | 7.2K | — |
| 2026-02-25 | Bell Wendy S. | Grant | 2.5K | — |
| 2026-02-25 | Bell Wendy S. | Grant | 3.3K | — |
| 2026-02-25 | Van Dyke Litz H | Grant | 4.9K | — |
| 2026-02-25 | Davis Jane Ann | Grant | 1.2K | — |
| 2026-02-25 | Kallsen Tony E | Grant | 2.3K | — |
| 2026-02-14 | Van Dyke Litz H | Tax withheld | 1.2K | $22.01 |
| 2026-02-14 | Langs Bradford N. | Tax withheld | 781 | $22.01 |
| 2026-02-14 | Bell Wendy S. | Tax withheld | 554 | $22.01 |
| 2026-02-14 | Davis Jane Ann | Tax withheld | 291 | $22.01 |
| 2026-02-14 | Kallsen Tony E | Tax withheld | 351 | $22.01 |
| 2026-01-30 | Walsh Elizabeth L. | Gift | 900 | — |
| 2026-01-29 | Walsh Elizabeth L. | Gift | 835 | — |
| 2026-01-02 | Lutz Jacob A III | Grant | 1.8K | — |
| 2026-01-02 | Stephens Curtis E | Grant | 1.8K | — |
| 2026-01-02 | Bloomfield Kevin S. | Grant | 1.8K | — |
| 2026-01-02 | Walsh Elizabeth L. | Grant | 1.8K | — |
| 2026-01-02 | BIRD MICHAEL R | Grant | 1.8K | — |
| 2026-01-02 | Haskins James W. | Grant | 1.8K | — |
| 2026-01-02 | Midkiff Catharine L. | Grant | 1.8K | — |
| 2026-01-02 | Karavatakis Phyllis Q. | Grant | 1.8K | — |
| 2026-01-02 | Bolton Robert M. | Grant | 1.8K | — |
| 2026-01-02 | FELDMANN GREGORY W | Grant | 1.8K | — |
| 2025-12-16 | Walsh Elizabeth L. | Gift | 950 | — |
| 2025-10-30 | Bolton Robert M. | Sell | 1.9K | $17.23 |
| 2025-09-10 | Speare Matthew M. | Sell | 14K | $19.83 |
| 2025-08-26 | Bell Wendy S. | Other | 100 | — |
| 2025-08-26 | Bell Wendy S. | Sell | 250 | $19.54 |
| 2025-07-30 | Midkiff Catharine L. | Sell | 2.0K | $17.76 |
| 2025-07-30 | Midkiff Catharine L. | Sell | 2.0K | $17.76 |
| 2025-07-28 | Haskins James W. | Sell | 2.0K | $17.84 |
| 2025-06-12 | Bloomfield Kevin S. | Sell | 1.6K | $16.81 |
| 2025-06-11 | Bloomfield Kevin S. | Sell | 4.5K | $16.71 |
| 2025-06-11 | Bloomfield Kevin S. | Sell | 1.6K | $16.81 |
| 2025-06-10 | Bloomfield Kevin S. | Sell | 4.5K | $16.71 |
| 2025-06-09 | Bloomfield Kevin S. | Sell | 1.0K | $16.52 |
| 2025-06-06 | Bloomfield Kevin S. | Sell | 1.0K | $16.52 |
| 2025-06-05 | Davis Jane Ann | Sell | 2.5K | $16.39 |
| 2025-06-02 | Midkiff Catharine L. | Buy | 200 | $16.47 |
| 2025-05-21 | Adams Arthur Loran | Grant | 1.5K | — |
| 2025-05-21 | Davis Jane Ann | Grant | 1.8K | — |
| 2025-05-01 | Walsh Elizabeth L. | Inherited | 20K | — |
| 2025-03-27 | Walsh Elizabeth L. | Inherited | 3.1K | — |
| 2025-03-20 | Walsh Elizabeth L. | Inherited | 9.4K | — |
| 2025-03-04 | Davis Jane Ann | Grant | 1.9K | — |
| 2025-03-04 | Speare Matthew M. | Grant | 3.1K | — |
| 2025-03-04 | Adams Arthur Loran | Grant | 1.6K | — |
| 2025-03-04 | Langs Bradford N. | Grant | 4.5K | — |
| 2025-03-04 | Bell Wendy S. | Grant | 3.3K | — |
| 2025-03-04 | Kallsen Tony E | Grant | 2.8K | — |
| 2025-03-04 | Van Dyke Litz H | Grant | 5.4K | — |
| 2025-02-27 | Speare Matthew M. | Grant | 3.3K | — |
| 2025-02-27 | Kallsen Tony E | Grant | 2.2K | — |
| 2025-02-27 | Van Dyke Litz H | Grant | 8.3K | — |
| 2025-02-27 | Langs Bradford N. | Grant | 4.4K | — |
| 2025-02-27 | Bell Wendy S. | Grant | 3.4K | — |
| 2025-02-14 | Langs Bradford N. | Tax withheld | 558 | $17.99 |
| 2025-02-14 | Van Dyke Litz H | Tax withheld | 838 | $17.99 |
| 2025-02-14 | Bell Wendy S. | Tax withheld | 421 | $17.99 |
| 2025-01-02 | Midkiff Catharine L. | Grant | 1.8K | — |
| 2025-01-02 | Karavatakis Phyllis Q. | Grant | 1.8K | — |
| 2025-01-02 | Bolton Robert M. | Grant | 1.8K | — |
| 2025-01-02 | FELDMANN GREGORY W | Grant | 1.8K | — |
| 2025-01-02 | Lutz Jacob A III | Grant | 1.8K | — |
| 2025-01-02 | Stephens Curtis E | Grant | 1.8K | — |
| 2025-01-02 | Bloomfield Kevin S. | Grant | 1.8K | — |
| 2025-01-02 | Walsh Elizabeth L. | Grant | 1.8K | — |
| 2025-01-02 | BIRD MICHAEL R | Grant | 1.8K | — |
| 2025-01-02 | Haskins James W. | Grant | 1.8K | — |
| 2025-01-02 | Matthews Edward Warren | Grant | 1.8K | — |
All non-derivative Form 4 activity (SEC), newest first.
Notable events (8-K)
Recent filings
| Form | Filed | Period | Accession |
|---|---|---|---|
| 8-K | 2026-06-24 | 2026-06-18 | 0001829576-26-000061 ↗ |
| 8-K | 2026-05-29 | 2026-05-27 | 0001829576-26-000053 ↗ |
| 8-K | 2026-05-29 | 2026-05-29 | 0001829576-26-000056 ↗ |
| 10-Q | 2026-05-07 | 2026-03-31 | 0001829576-26-000048 ↗ |
| 8-K | 2026-05-01 | 2026-05-01 | 0001829576-26-000044 ↗ |
| 8-K | 2026-05-01 | 2026-05-01 | 0001829576-26-000040 ↗ |
| 8-K | 2026-04-23 | 2026-04-22 | 0001829576-26-000037 ↗ |
| 8-K | 2026-04-23 | 2026-04-23 | 0001829576-26-000036 ↗ |
| 8-K | 2026-03-26 | 2026-03-26 | 0001829576-26-000021 ↗ |
| 10-K | 2026-03-05 | 2025-12-31 | 0001829576-26-000018 ↗ |
| 8-K | 2026-02-02 | 2026-02-02 | 0001829576-26-000012 ↗ |
| 8-K | 2026-01-30 | 2026-01-30 | 0001829576-26-000009 ↗ |