Expectations trend
FY2027 · fiscal year ending 2027-12-31 · fmp
Carter Bankshares, Inc. (CARE)
NASDAQFinancialsBanks - RegionalSnapshot 2026-11-04
$28.48-2.67%
Close 2026-11-05 · 1-day change
NASDAQFinancialsBanks - RegionalSnapshot 2026-11-04
The long-term thesis, the evidence coming in, and the environment around it. Thesis dated Jul 8, 2026.
Next-FY EPS estimate change · 30 days
2.49 → 2.40 EPS · FY ending Dec 31, 2027 · 3 analysts
One observable signal. This measures changing earnings expectations, not the probability of a gain or loss.
Change in the same fiscal period’s mean EPS estimate from Oct 5, 2026 to Nov 4, 2026: (new ÷ prior − 1). Contributor count changed from 3 to 3; this is not the number of analysts revising. The ±10% axis is a display range.
The EPS and P/E reference is not available for CARE yet.
| Measure / period | Management expectations | Analyst expectations |
|---|
Management figures unavailable.
Current consensus figures unavailable.
4 published thesis conditions, with dated milestones shown separately.
| Key Factor | Why It Matters | Current Status | Break Condition | Latest Evidence |
|---|---|---|---|---|
Execute $10 million share repurchase program over 12 months | The company maintains a $10 million share repurchase program and pays a quarterly dividend of $0.10 per share. | Intact | repurchase program is canceled or materially delayed | Direct metric needs a verified mapping The published measure or accounting basis is not supported by an exact source binding. Date unavailableLast status assessment Nov 4, 2026Compare required operating outcomesCompare scope, accounting basis and period before treating this evidence as progress against an annual requirement. |
Compare these dated observations with the operating requirements above
FY2027 · fiscal year ending 2027-12-31 · fmp
The evidence, the remaining questions, and what comes next
No recovery evidence is reported in the available driver assessments.
Observed price history; separate from operating scenarios
The weekly editorial context below is a separate assessment from the dated monitor evidence above. Recovery observations do not automatically change the published thesis. Unverified outside influences are hypotheses, not measured driver evidence.
CARE is a bank with a value-oriented thesis, rather than a high-growth story. The long-term thesis is intact and recently shifted from mixed to mildly favorable, but execution remains uneven and confidence in the evidence is medium.
The evidence describes CARE as cheap versus peers, with low valuation fragility and expectations that appear broadly justified. The expectations gap is small, so the valuation case rests more on peer comparison than on a large gap between market assumptions and the business outlook.
Near-term results may remain uneven: CARE missed earnings on October 29, and recent earnings surprises have been erratic. Over the multi-year view, loan growth and improved net interest income and margin support the business, though the new small-business lending initiative has not yet shown measurable financial delivery.
The next call is a key near-term test, since a guidance cut would add to concerns about the recent misses. A start to Fed rate cuts could weigh on the sector, while continued earnings strength and higher guidance from sector peers could support its momentum. The multi-year thesis also depends on responsible loan growth and sustained gains from balance-sheet changes.
Over the next 1 to 3 years, CARE’s thesis has support from lending growth and improved interest income, but recent earnings volatility and uncertain execution keep the outlook qualified. Not investment advice.
Not investment advice. Scores describe historical and current data; they are not forecasts of future returns. Consult a licensed advisor before making investment decisions.
| The company maintains a $10 million share repurchase program and pays a quarterly dividend of $0.10 per share. |
| Intact |
| dividend cut or suspension |
Direct metric needs a verified mapping The published measure or accounting basis is not supported by an exact source binding. Date unavailableLast status assessment Nov 4, 2026Compare required operating outcomesCompare scope, accounting basis and period before treating this evidence as progress against an annual requirement. |
Maintain strong earnings with net income near $85.8 million and EPS near $3.88 | Earnings grew strongly, with net income rising from $5.4 million to $85.8 million and EPS from $0.24 to $3.88 recently. | Improving | net income or EPS falls below 90% of target levels | Direct metric needs a verified mapping The published measure or accounting basis is not supported by an exact source binding. Date unavailableLast status assessment Nov 4, 2026Compare required operating outcomesCompare scope, accounting basis and period before treating this evidence as progress against an annual requirement. |
Improve interest income by $4.2 million annually via portfolio repositioning | Carter Bankshares has improved interest income by about $4.2 million annually through portfolio repositioning. | Intact | interest income improvement falls below $4 million annually | Direct metric needs a verified mapping The published measure or accounting basis is not supported by an exact source binding. Date unavailableLast status assessment Nov 4, 2026Compare required operating outcomesCompare scope, accounting basis and period before treating this evidence as progress against an annual requirement. |
Stored thesis · Jul 8, 2026. Latest Evidence uses source-matched measurements where available, alongside the last thesis-monitor assessment. Source periods and assessment dates are shown separately. A new measurement does not automatically change the published status or verify an older target.
$2.57 → $2.40 · observed estimates
$0.20B → $0.30B · observed estimates
One fiscal period and provider throughout. At least five contributors are required for each plotted metric; missing coverage stays a gap. Axes show the observed range. Counts measure coverage, not revisions.
| Snapshot | EPS | Revenue | EPS / revenue analysts |
|---|---|---|---|
| 2026-07-24 | $2.57 | $201,550,000 | 3 / 2 |
| 2026-07-25 | $2.61 | $201,550,000 | 3 / 1 |
| 2026-07-26 | $2.57 | $201,550,000 | 3 / 2 |
| 2026-07-27 | $2.61 | $201,550,000 | 3 / 1 |
| 2026-07-28 | $2.57 | $201,550,000 | 3 / 2 |
| 2026-07-29 | $2.58 | $204,076,500 | 3 / 2 |
| 2026-07-30 | $2.58 | $204,076,500 | 3 / 2 |
| 2026-07-31 | $2.58 | $204,076,500 | 3 / 2 |
| 2026-08-01 | $2.58 | $204,076,500 | 3 / 2 |
| 2026-08-02 | $2.58 | $204,076,500 | 3 / 2 |
| 2026-08-03 | $2.58 | $204,076,500 | 3 / 2 |
| 2026-08-04 | $2.50 | $304,412,623 | 2 / 1 |
| 2026-08-05 | $2.50 | $304,412,623 | 2 / 1 |
| 2026-08-06 | $2.58 | $204,076,500 | 4 / 2 |
| 2026-08-07 | $2.50 | $304,412,623 | 2 / 1 |
| 2026-08-08 | $2.50 | $304,412,623 | 2 / 1 |
| 2026-08-09 | $2.58 | $204,076,500 | 4 / 2 |
| 2026-08-10 | $2.50 | $304,412,623 | 2 / 1 |
| 2026-08-11 | $2.58 | $204,076,500 | 4 / 2 |
| 2026-08-12 | $2.50 | $304,412,623 | 2 / 1 |
| 2026-08-13 | $2.50 | $304,412,623 | 2 / 1 |
| 2026-08-14 | $2.50 | $304,412,623 | 2 / 1 |
| 2026-08-15 | $2.50 | $304,412,623 | 3 / 1 |
| 2026-08-16 | $2.50 | $304,412,623 | 3 / 1 |
| 2026-08-17 | $2.50 | $304,412,623 | 3 / 1 |
| 2026-08-18 | $2.50 | $304,412,623 | 3 / 1 |
| 2026-08-19 | $2.50 | $304,412,623 | 3 / 1 |
| 2026-08-20 | $2.50 | $304,412,623 | 3 / 1 |
| 2026-08-21 | $2.50 | $304,412,623 | 3 / 1 |
| 2026-08-22 | $2.50 | $304,412,623 | 3 / 1 |
| 2026-08-23 | $2.48 | $304,412,623 | 3 / 1 |
| 2026-08-24 | $2.48 | $304,412,623 | 3 / 1 |
| 2026-08-25 | $2.48 | $304,412,623 | 3 / 1 |
| 2026-08-26 | $2.49 | $304,412,623 | 3 / 1 |
| 2026-08-27 | $2.49 | $304,412,623 | 3 / 1 |
| 2026-08-28 | $2.49 | $304,412,623 | 3 / 1 |
| 2026-08-29 | $2.49 | $304,412,623 | 3 / 1 |
| 2026-08-30 | $2.49 | $304,412,623 | 3 / 1 |
| 2026-08-31 | $2.49 | $304,412,623 | 3 / 1 |
| 2026-09-01 | $2.49 | $304,412,623 | 3 / 1 |
| 2026-09-02 | $2.49 | $304,412,623 | 3 / 1 |
| 2026-09-03 | $2.49 | $304,412,623 | 3 / 1 |
| 2026-09-04 | $2.49 | $304,412,623 | 3 / 1 |
| 2026-09-05 | $2.49 | $304,412,623 | 3 / 1 |
| 2026-09-06 | $2.49 | $304,412,623 | 3 / 1 |
| 2026-09-07 | $2.49 | $304,412,623 | 3 / 1 |
| 2026-09-08 | $2.49 | $304,412,623 | 3 / 1 |
| 2026-09-09 | $2.49 | $304,412,623 | 3 / 1 |
| 2026-09-10 | $2.49 | $304,412,623 | 3 / 1 |
| 2026-09-11 | $2.49 | $304,412,623 | 3 / 1 |
| 2026-09-12 | $2.49 | $304,412,623 | 3 / 1 |
| 2026-09-13 | $2.49 | $304,412,623 | 3 / 1 |
| 2026-09-14 | $2.49 | $304,412,623 | 3 / 1 |
| 2026-09-15 | $2.49 | $304,412,623 | 3 / 1 |
| 2026-09-16 | $2.49 | $304,412,623 | 3 / 1 |
| 2026-09-17 | $2.49 | $304,412,623 | 3 / 1 |
| 2026-09-18 | $2.49 | $304,412,623 | 3 / 1 |
| 2026-09-19 | $2.49 | $304,412,623 | 3 / 1 |
| 2026-09-20 | $2.49 | $304,412,623 | 3 / 1 |
| 2026-09-21 | $2.49 | $304,412,623 | 3 / 1 |
| 2026-09-22 | $2.49 | $304,412,623 | 3 / 1 |
| 2026-09-23 | $2.49 | $304,412,623 | 3 / 1 |
| 2026-09-24 | $2.49 | $304,412,623 | 3 / 1 |
| 2026-09-25 | $2.49 | $304,412,623 | 3 / 1 |
| 2026-09-26 | $2.49 | $304,412,623 | 3 / 1 |
| 2026-09-27 | $2.49 | $304,412,623 | 3 / 1 |
| 2026-09-28 | $2.49 | $304,412,623 | 3 / 1 |
| 2026-09-29 | $2.49 | $304,412,623 | 3 / 1 |
| 2026-09-30 | $2.49 | $304,412,623 | 3 / 1 |
| 2026-10-01 | $2.49 | $304,412,623 | 3 / 1 |
| 2026-10-02 | $2.49 | $304,412,623 | 3 / 1 |
| 2026-10-03 | $2.49 | $304,412,623 | 3 / 1 |
| 2026-10-04 | $2.49 | $304,412,623 | 3 / 1 |
| 2026-10-05 | $2.49 | $304,412,623 | 3 / 1 |
| 2026-10-06 | $2.49 | $304,412,623 | 3 / 1 |
| 2026-10-07 | $2.49 | $304,412,623 | 3 / 1 |
| 2026-10-08 | $2.49 | $304,412,623 | 3 / 1 |
| 2026-10-09 | $2.49 | $304,412,623 | 3 / 1 |
| 2026-10-10 | $2.49 | $304,412,623 | 3 / 1 |
| 2026-10-11 | $2.49 | $304,412,623 | 3 / 1 |
| 2026-10-12 | $2.49 | $304,412,623 | 3 / 1 |
| 2026-10-13 | $2.49 | $304,412,623 | 3 / 1 |
| 2026-10-14 | $2.49 | $304,412,623 | 3 / 1 |
| 2026-10-15 | $2.49 | $304,412,623 | 3 / 1 |
| 2026-10-16 | $2.49 | $304,412,623 | 3 / 1 |
| 2026-10-17 | $2.49 | $304,412,623 | 3 / 1 |
| 2026-10-18 | $2.49 | $304,412,623 | 3 / 1 |
| 2026-10-19 | $2.49 | $304,412,623 | 3 / 1 |
| 2026-10-20 | $2.49 | $304,412,623 | 3 / 1 |
| 2026-10-21 | $2.49 | $304,412,623 | 3 / 1 |
| 2026-10-22 | $2.49 | $304,412,623 | 3 / 1 |
| 2026-10-23 | $2.49 | $304,412,623 | 3 / 1 |
| 2026-10-24 | $2.49 | $304,412,623 | 3 / 1 |
| 2026-10-25 | $2.49 | $304,412,623 | 3 / 1 |
| 2026-10-26 | $2.49 | $304,412,623 | 3 / 1 |
| 2026-10-27 | $2.49 | $304,412,623 | 3 / 1 |
| 2026-10-28 | $2.49 | $304,412,623 | 3 / 1 |
| 2026-10-29 | $2.49 | $304,412,623 | 3 / 1 |
| 2026-10-30 | $2.49 | $304,412,623 | 3 / 1 |
| 2026-10-31 | $2.48 | $304,451,623 | 3 / 1 |
| 2026-11-01 | $2.48 | $304,451,623 | 3 / 1 |
| 2026-11-02 | $2.48 | $353,577,434 | 3 / 1 |
| 2026-11-03 | $2.42 | $302,851,623 | 3 / 1 |
| 2026-11-04 | $2.40 | $302,851,623 | 3 / 1 |
Revenue and EPS estimates track expectations. They are not delivered results or like-for-like proof of a required annual path.
Latest: 1 Buy / Strong Buy · 3 Hold · 0 Sell / Strong Sell
Recent actions · Oct 6–Nov 4 · 0 recorded
Individual price-target observations are unavailable.
0 raises · 0 cuts · 0 unchanged · 0 without a comparable prior
Oct 6, 2026–Nov 4, 2026. Each firm's latest positive target is paired only with its immediately prior positive target from the same provider, at most 180 days earlier. Unmatched observations have one dot; conflicting observations are not compared.
Next earnings date unavailable
Look for updated results and guidance against the published targets, plus direct evidence for unresolved drivers.
Review earnings4 of 4 published conditions remain under pressure or need verification. The next results need to address those conditions.
The dated weekly assessment and its assumptions are available in Read detailed Outlook.