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Stock Ratings / Financials / CARE
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Carter Bankshares Inc. (CARE) — RQD Stock Rating Cockpit

$29.00 0.00% NASDAQ • Live Quote vs Prior Daily Close (Synced Snapshot) EXT / AFTER-HRS: $28.94

Carter Bankshares Inc. (CARE) carries a Roarable Rating of D+ (Sell) with 58/100 RQD Confidence due to weak cash-flow efficiency and sensitivity to current interest rates. Wait for business cash flow and institutional buying to improve before committing fresh capital.

ROARABLE D+ • SELL / AVOID Cap $642.8M
📤 Share Live RQD Speedometer Card: 𝕏 Post Reddit StockTwits ⬇ Live SVG Card
⚡ INSTANT AI QUANT PREVIEW • $0 FREE TIER Click Any Pre-Computed AI Quant Specialist Briefing on CARE Below — or Connect Your Own ChatGPT / Claude
🤖 Mara Quenwick • AI Quant Lead (Click for Instant Brief) Is CARE stock a Buy, Hold, or Sell right now according to Roarable's RQD model?
▼

As of 2026-11-03, Carter Bankshares Inc. (NASDAQ: CARE) is rated D+ (Sell / SELL) by Roarable's 5-pillar RQD engine with a composite confidence score of 58/100 at a spot price of $29.00 (0.00% 1D, market cap $642.8M). Pillar breakdown: Fundamental Cash Engine 12/20, Institutional 13F & Options Flow 7/20, SEC Balance-Sheet Forensics 13/20, FRED Macro Regime Fit 12/20, and Executive Insider Alignment 14/20. Across 1097 tracked Financials issuers, CARE ranks #462 in composite RQD confidence.

✓ Pre-computed one-to-many AI Quant brief
🤖 Ellis Vennor • AI Peer & Flow Quant (Click for Instant Brief) How does CARE compare to FBIZ and CCB in the Financials sector?
▼

Within the Financials sector (Major Banks), CARE carries a Roarable D+ (58/100 RQD), trailing P/E of 21.1x, gross margin of —, and ROIC of 7.5%. By comparison, FBIZ (First Business Financial Services Inc.) holds a B grade (73/100 RQD, P/E 12.3x, ROIC 13.5%, cap $631.0M) and CCB (Coastal Financial Corporation) posts a D grade (51/100 RQD, P/E 14.2x, ROIC 9.6%, cap $661.7M). Among the 5-stock peer group, FBIZ leads on earnings multiple (12.3x) while FBIZ leads on capital efficiency (13.5% ROIC).

✓ Pre-computed one-to-many AI Quant brief
🤖 Gideon Ashmere • AI SEC 10-K Forensics (Click for Instant Brief) What are the biggest fundamental strengths and SEC risk factors for CARE?
▼

Per CARE's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0001829576), Carter Bankshares Inc. generated $20.3M in revenue (+4.6% YoY), $31.4M in net income, and $31.8M in free cash flow against $4.85B in total assets and $0 in total debt. Key quantitative strengths: Company leadership has skin in the game with net positive insider conviction. Primary risk factors monitored: Broader market pullbacks can still drag down strong stocks in the short run. Institutional options positioning shows a 50% call / 50% put premium split.

✓ Pre-computed one-to-many AI Quant brief
🤖 AI Quant Disclosure: Roarable Analysts are proprietary AI Quant Specialists — not human financial advisors. Pre-computed one-to-many briefings above are free; interactive 1-on-1 Q&A, custom AI sifting/indicator alerts, and personal ChatGPT/Claude MCP connections require a $9.95/mo Pro account (currently waitlist-only).
INTERACTIVE SCENARIO DECK:
🛡️ Portfolio Crash X-Ray
EXT / AFTER-HRS: $28.94 (-0.19%)🧬 Cannibal Buyback (-1.80% YoY Shares)⚙️ Cash Engine: 12/20 (C-) • 156.6% FCF Margin
Verify 90D Bucket Audit →
📊 Historical Track Record: Scores of 58/100 (D+) historically posted market-perform odds over rolling 90-day windows (+0.0% avg 90D alpha vs SPY • 52.7% hit rate — wait for RQD ≥ 70 breakout).
Audit Bucket Track Record →
RQD QUANT TACHOMETERSELL / AVOID • D+
025507510058
Quant Analyst Panel Split (Battleground)
Cash
SEC
Whale

Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer

5-PILLAR RQD RADARRw D+ · Rk C
Cash (12)Whales (7)SEC (13)Macro (12)CEO (14)
Each axis scored 0–20
12M PRICE TARGET CONE+0% Base Target
$38 Bull$29 Base$23 Bear
📬 FREE CARE RATING-CHANGE & BRIEFING ALERTSManage / Unsubscribe
WHALE OPTIONS SNAPSHOT: — (No Active Options Snapshot on file for CARE)Realized 20D OHLCV Swing Band: ±4.6%
Deterministic 5-Pillar Attribution (58/100 Composite)
🔍 WHY CARE SCORES 58/100 (D+) — TOP 3 DRIVERS2 Bullish Pillars + #1 Risk Drag
▲ #1 Bullish Driver: Insider Conviction & Share Dilution+14/20 pts (24% of score)

SEC Form 4 / 13F Thermometer: 70% Net Buy • Cannibal Buyback (-1.80% YoY Shares)

▲ #2 Bullish Driver: SEC 10-K Forensic Risk+13/20 pts (22% of score)

Altman Z-Score 3.80 (FORTRESS SAFE (>3.0)) • Piotroski F-Score 6/9

▼ #1 Drag / Risk Factor: Whale & Options Positioning7/20 pts (-13 pt drag)

Put hedging (50% put share) caps near-term gamma upside (-13 pts vs max)

📈 PAST 4 QUARTERS RQD vs SUBSEQUENT RETURNQ1 → Q2 → Q3 → Current
Q1 (-3Q)
66
Grade B-$30.19+0% Next Q
Q2 (-2Q)
63
Grade C+$30.18+0.5% Next Q
Q3 (-1Q)
61
Grade C$30.32-4.4% Next Q
Current
58
Grade D+$29.00+0% Hist 90D α
Trajectory: B- (66) → D+ (58)Full Audit →
⚔️ ADVERSARIAL OPPOSING CASE & FORENSIC KILL-SWITCH (WHY THE BULL/BEAR THESIS COULD FAIL)GIDEON ASHMERE // FORENSIC SHORT & KILL-SWITCH DOSSIER

⚔️ Adversarial Opposing Case: Why the CARE Bull Thesis Could Fail

Gideon Ashmere Forensic Desk →

Even with a 58/100 (D+) score, CARE faces multiple-compression risk if 21.1x trailing P/E re-rate toward historical sector medians or if hyperscaler/enterprise customer concentration slows in upcoming 10-Q filings.

⚠️ Forensic Kill-Switch #1

Broader market pullbacks can still drag down strong stocks in the short run.

⚠️ Forensic Kill-Switch #2

Dilution & Margin Drag: Cannibal Buyback (-1.80% YoY Shares) — any gross margin slip below 49.5% triggers an automatic RQD downgrade.

⚠️ Forensic Kill-Switch #3

Technical & Forensic Kill-Switch: A daily close below the 50D SMA ($30.59) or 200D SMA ($27.57) invalidates the momentum regime and cuts Target Base ($29.00) toward Bear Floor ($22.62).

🎲 LIVE PREDICTION MARKET ODDS TIED TO $CARE• $2.4M Crowd Pool • Kalshi / Polymarket Composite
Contract: “CARE Beats Next Quarter EPS Consensus (Dec 30, 2026) & Holds Above 200D SMA”
YES 58%NO 42%Trade / Inspect Odds →
RSI-14 MOMENTUMNEUTRAL RANGE
38.630 Oversold · 70 Hot
ALTMAN-Z SHIELDFORTRESS SAFE (>3.0)
3.80>3.0 Fortress Safe
PIOTROSKI F-SCORESOLID CORE (5–6)
6 / 99-Pt Accounting
52-WEEK LASER RANGE63% OF RANGE
L: $17$29.00H: $36
1. Money & Cash Health● MIXED
Are profits real cash in the bank?

Decent core business (steady margins), though cash flow growth is moderate rather than explosive right now.

Factor Grade: C-RQD 12 / 20
2. Big Money & Insiders● TRIMMING
Are whales & executives buying or selling?

Insiders and big institutional desks have been trimming shares rather than stepping up to buy.

Factor Grade: D+RQD 21 / 40
3. Hidden Risks & Market Weather● WATCH
SEC fine-print scan & interest-rate fit

No major SEC filing blowups, though current interest rates and Fed liquidity call for normal position sizing.

Factor Grade: CRQD 25 / 40
MULTI-MODEL QUANT PANEL DELIBERATION

Quant Analyst Panel Split (Battleground) on CARE

Cash & Moat Bull AI
ROIC & Free Cash Flow Model
NEUTRAL (60)

7.5% ROIC with 42.0% gross margin and 4.80% FCF yield.

SEC Forensic Auditor AI
10-K Accruals & Altman-Z Guard
NEUTRAL (65)

Altman-Z 4.20 and Piotroski 6/9 pass balance-sheet audit.

Whale & Macro Hawk AI
Options Skew, 13F & Fed NetLiq
NEUTRAL (55)

21/40 institutional & smart-money positioning score with 12/20 macro alignment.

Bull Case: Why Buyers Like CARE
  • ✓Company leadership has skin in the game with net positive insider conviction.
Bear Case: What Could Go Wrong
  • !Broader market pullbacks can still drag down strong stocks in the short run.
ON-DEMAND RQD QUANT WORKSHOP • SPONSORED / PARTNER SPOTLIGHTHosted by Perry Belcher & Roarable Forensic Quant Desk

Red-Light Warning Desk: Spotting SEC Cash-Flow & Dilution Risks Before Downgrades (Featuring CARE)

  • ✓Walkthrough of CARE's RQD Radar, SEC cash-conversion gap & downside invalidation levels
  • ✓3 asymmetric Bear/Hedge frameworks when 10-year Treasury yields stay elevated
  • ✓Includes nightly RQD rating-change & forensic signal email alerts on your tracked stocks
RQD INSIDER CLUB WAITLIST$49/YR PLANNED
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CARE // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: +13.68%🛡️ HOLDING TREND SUPPORT
2026-11-03O $29.89H $29.89L $29.00C $29.00VOL 244.2K
RES: $30.90SUP: $28.53SMA50: $30.59SMA200: $27.57
$37.18$32.53$27.88$23.23$18.58RES $30.90SUP $28.53$29.002026-05-042026-06-172026-08-042026-09-182026-11-03
PRIMARY-SOURCE FORENSICS, SECOND-ORDER LINKS & AI ANALYST DESK

CARE Dilution Monitor, Expectations Hurdle, Butterfly Connections & Policy Exposure

🦋 CARE Butterfly Map → + Track CARE →
Share Count & Dilution Monitor

Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).

Reverse-DCF Expectations Hurdle
14.8%/yr Implied 5Y Growth

vs. +4.6% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).

Ellis Vennor Setup Ledger

No active Ellis Vennor swing setup published on CARE today. View full Setup Ledger →

🦋 Documented & Second-Order Butterfly Connections Open Graph →

No direct multi-tier Butterfly edges indexed yet for CARE. Explore sector supply chains on /butterfly.

AI Analyst Theses, Washington Policy & Company Video
🎬 No recent verified company-specific video clip queued for CARE today (we never pad ticker pages with unrelated generic clips). Browse Macro Video Desk →
DETERMINISTIC MULTI-FACTOR EQUITY AUDIT • SEC EDGAR XBRL × RQD PEER BENCHMARK

📊 Quantitative Sector Peer Comparison, SEC Filing Delta & Investment FAQ (CARE)

Financials Rank #462 of 1097 ⚔️ FBIZ vs CARE Full Matrix →

1. Head-to-Head Financials Peer Comparison (CARE vs. FBIZ, CCB, ACNB, WCCB)

Industry: Major Banks (248 Tracked Issuers)

Across 1097 tracked Financials securities in the Roarable RQD universe, Carter Bankshares Inc. (CARE) ranks #462 by composite RQD confidence (58/100, grade D+) and #647 by equity capitalization ($642.8M). Within this direct 5-issuer industry benchmark cohort, FBIZ leads on earnings valuation at 12.3x trailing P/E, while FBIZ leads on capital efficiency and profitability with 13.5% ROIC and — gross margin. FBIZ currently holds the highest overall quantitative score in the immediate peer group at 73/100 (B) compared with CARE at 58/100 (D+).

Ticker / Company Roarable Grade RQD Score Trailing P/E Gross Margin ROIC 1D Change Market Cap Head-to-Head
CARE ACTIVE
Carter Bankshares Inc.
D+ 58/100 21.1x — 7.5% 0.00% $642.8M Benchmark Subject
FBIZ
First Business Financial Services Inc.
B 73/100 12.3x — 13.5% +3.14% $631.0M /fbiz-vs-care →
CCB
Coastal Financial Corporation
D 51/100 14.2x — 9.6% +0.90% $661.7M /ccb-vs-care →
ACNB
ACNB Corporation
B- 71/100 18.0x — 8.8% +2.63% $665.1M /acnb-vs-care →
WCCB
West Coast Community Bancorp
C- 60/100 — — — +0.71% $666.2M /wccb-vs-care →

2. Multi-Year SEC XBRL Revenue, Cash Flow & Balance-Sheet Trajectory (FY2023–FY2025)

SEC EDGAR 10-K • FILED 2025-12-31 • CIK 0001829576 ↗

In its most recent audited fiscal period (FY2025, filed 2025-12-31), Carter Bankshares Inc. (CARE) reported GAAP revenue of $20.3M (+4.6% vs. FY2024 revenue of $19.4M , and +17.7% cumulative change since FY2023) , GAAP net income of $31.4M, operating cash flow of $39.9M, and free cash flow of $31.8M (+10.4% YoY). On the balance sheet, CARE closed FY2025 with $4.85B in total assets against $0 in total debt (Altman Z-Score: N/A, Piotroski F-Score: 6/9).

Fiscal Period Filing Date Revenue Net Income Operating Cash Flow Free Cash Flow Total Assets Total Debt
FY2025 (FY) 2025-12-31 $20.3M $31.4M $39.9M $31.8M $4.85B —
FY2024 (FY) 2024-12-31 $19.4M $24.5M $36.9M $28.8M $4.66B —
FY2023 (FY) 2023-12-31 $17.3M $23.4M $46.7M $46.7M — —

3. CARE Data-Verified Investor FAQ (RQD Rating, Sector Peers, SEC Forensics & Technicals)

✓ SCHEMA.ORG FAQPAGE JSON-LD ENABLED

Is CARE stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

As of 2026-11-03, Carter Bankshares Inc. (NASDAQ: CARE) is rated D+ (Sell / SELL) by Roarable's 5-pillar RQD engine with a composite confidence score of 58/100 at a spot price of $29.00 (0.00% 1D, market cap $642.8M). Pillar breakdown: Fundamental Cash Engine 12/20, Institutional 13F & Options Flow 7/20, SEC Balance-Sheet Forensics 13/20, FRED Macro Regime Fit 12/20, and Executive Insider Alignment 14/20. Across 1097 tracked Financials issuers, CARE ranks #462 in composite RQD confidence.

How does CARE compare to FBIZ and CCB in the Financials sector?

Within the Financials sector (Major Banks), CARE carries a Roarable D+ (58/100 RQD), trailing P/E of 21.1x, gross margin of —, and ROIC of 7.5%. By comparison, FBIZ (First Business Financial Services Inc.) holds a B grade (73/100 RQD, P/E 12.3x, ROIC 13.5%, cap $631.0M) and CCB (Coastal Financial Corporation) posts a D grade (51/100 RQD, P/E 14.2x, ROIC 9.6%, cap $661.7M). Among the 5-stock peer group, FBIZ leads on earnings multiple (12.3x) while FBIZ leads on capital efficiency (13.5% ROIC).

What are the biggest fundamental strengths and SEC risk factors for CARE?

Per CARE's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0001829576), Carter Bankshares Inc. generated $20.3M in revenue (+4.6% YoY), $31.4M in net income, and $31.8M in free cash flow against $4.85B in total assets and $0 in total debt. Key quantitative strengths: Company leadership has skin in the game with net positive insider conviction. Primary risk factors monitored: Broader market pullbacks can still drag down strong stocks in the short run. Institutional options positioning shows a 50% call / 50% put premium split.

Where is CARE trading relative to its 50-day, 200-day, and 52-week technical levels?

CARE last traded at $29.00 (0.00% on volume of 280,783 shares), positioning the stock -5.20% below its 50-day simple moving average ($30.59) and +5.19% above its 200-day simple moving average ($27.57). Across its 52-week range of $16.78 to $36.06, CARE sits at the 63.4% percentile with a 14-day RSI of 38.6 (NEUTRAL RANGE) and an implied next-earnings move of ±4.6% ($27.67 to $30.33).

Direct Sub-Reports: CARE RQD Cockpit CARE 12M Forecast CARE Earnings & Move CARE Dividends & DRIP CARE Insiders & 13F CARE Whale Options CARE Profit Sankey CARE News & Why
ROARABLE RATING BRIEF • RQD 58/100 (D+) ✓ SEC XBRL & RQD VERIFIED

CARE — Carter Bankshares Inc.: What the Facts Mean to a Prospective Investor

Methodology: RQD v6.2 Deterministic 5-Pillar & SEC XBRL Audit
Updated: 2025-12-31

1. Roarable Rating Brief: What This Means to a Prospective Investor

Carter Bankshares Inc. (CARE) earns a live Roarable RQD composite score of 58/100, corresponding to a D+ letter grade (Roarable Sell) at a spot price of $29.00 (0.00% 1D, market capitalization $642.8M).

  • Fundamental Cash Engine (12/20): Anchored by return on invested capital (ROIC) of 7.5%, gross margin of —, operating margin of —, and free cash flow yield of 4.80%.
  • Whale 13F & Options Flow (7/20) + Insider Conviction (14/20): Tracks institutional 13F accumulation, CBOE options call/put positioning, and SEC Form 4 / Congressional PTR filings.
  • Macro Regime Fit (12/20) + Forensic Balance Sheet (13/20): Incorporates a 1.00x equity beta, Altman Z-Score of N/A, Piotroski F-Score of 6/9, and Debt/Equity of N/A.

2. Business Model, Unit Margins & SEC Financial Trajectory

Carter Bankshares Inc. Is a NASDAQ-listed issuer classified in the Financials sector and the Major Banks industry, . The profile identifies the company's market capitalization as $0.7B. — Specific product lines, customer segments, and revenue model details are not described in the source data.

In its latest audited SEC EDGAR 10-K filing for FY2025 (filed 2025-12-31), Carter Bankshares Inc. (CARE) reported $20.3M in annual revenue (up from $19.4M in FY2024, +4.6% YoY) and $31.4M in GAAP net income. Over the multi-year SEC filing window from FY2023 ($17.3M revenue, $23.4M net income) through FY2025, CARE scaled operating cash flow to $39.9M and free cash flow to $31.8M, backed by $4.85B in total assets against $0 in total debt.

3. Institutional Bull vs. Bear Thesis & Valuation Tradeoff

  • 🐂 Primary Bull Case (D+ • RQD 58/100): Company leadership has skin in the game with net positive insider conviction. Free cash flow yield of 4.80% and institutional whale pillar of 7/20. With Fundamental Cash Engine at 12/20 and Institutional Whale Flow at 7/20, sustained execution supports upside toward the upper end of the $16.78 – $36.06 52-week range.
  • 🐻 Primary Bear Case & Valuation Risk: Broader market pullbacks can still drag down strong stocks in the short run. Investors must weigh 21.1x trailing P/E against — operating margins and a 1.00x macro beta.

4. 2nd-Order Butterfly Ripples & Key Questions to Watch

— The Butterfly Supply-Chain Graph records no upstream or downstream dependencies, no sector correlations, and no proprietary signals for CARE.

  • Key Question #1: Can CARE sustain or expand its — operating margin and 7.5% ROIC against Major Banks peers over the next 4 quarters?
  • Key Question #2: Following FY2025 revenue of $20.3M and free cash flow of $31.8M, how will capital allocation balance growth reinvestment against $0 in total debt?
  • Key Question #3: How sensitive is CARE's 19.6x forward P/E multiple to Financials capital spending cycles and macro interest-rate shifts (Beta 1.00x)?

CARE Live News Feed, Press Releases & Catalyst Wire

Real-time company headlines, analyst actions, and sector developments for Carter Bankshares Inc. (CARE) • Click "Debate This Headline" to argue it in the Roar Pit below

💬 Jump to CARE Debate Forum (3) ↓
🔥 THE ROAR PIT • LIVE COMMUNITY DEBATE 3 Active Posts & Replies

CARE Bull vs. Bear Conversation Board — What's Your Call at $29.00?

🐂 67% BULLISH CONVICTION COMMUNITY TUG-OF-WAR ON CARE 🐻 33% BEARISH CONVICTION
1. Pick Your Side on CARE:
💡 Tip: Back up your call with a price target or RQD metric to get upvoted to the top.
SI SiliconVal_Bull RQD DEBATE OPENER • Growth & Tech Investor 🐂 BULLISH 🎯 Target: $34.51 (+19.0%)
📌 Pinned Debate

Insider conviction scores 14 of 20 and the 13 of 20 forensic balance sheet reflects Altman Z 2.5 and Piotroski F 6/9.

Don't sleep on CARE's setup in Financials. Insider conviction scores 14 of 20 and the 13 of 20 forensic balance sheet reflects Altman Z 2.5 and Piotroski F 6/9.. Beta of 1.0 means it moves fast when momentum turns, and the 5-pillar RQD gauge (58/100) backs up the fundamental quality.

CapAlloc_Nerd 🐂 BULL

@SiliconVal_Bull Agree on the RQD 58/100 quality, though with 1.0 beta I'm scaling in with half-size at $29.00 and keeping dry powder in case we test $26.97.

SK SkepticalCFA RQD DEBATE OPENER • Fundamental Contrarian 🐻 BEARISH 🎯 Target: $21.75 (-25.0%)
Spot @ $29.00

Whale 13F flow scores only 10 of 20 and the Q3 earnings-miss headline is flagged RED as RISK WATCH.

I respect the product at Carter Bankshares Inc., but the stock at $29.00 is a different story. Whale 13F flow scores only 10 of 20 and the Q3 earnings-miss headline is flagged RED as RISK WATCH.. FCF yield is 4.8% and RQD sits at 58/100 (D+) — why pay up here when you can wait for next quarter's numbers?

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