CARE
Carter Bankshares
PE ratio, current and historical analysis
- Stocks
- Financial Services
- NASDAQ: CARE
- PE Ratio
As of Jun 3, 2026, the Carter Bankshares stock's P/E ratio is 5.61. This takes into account the latest EPS of $4.87 and stock price of $27.33. The PE ratio has decreased by 51% from its last 4 quarters average of 11.5.
CARE PE ratio history
The PE ratio of Carter Bankshares has averaged 13.97 over the last seven years. The current price-to-earnings ratio of 5.61 is 60% less than the historical average. Analyzing the last seven years, CARE's PE ratio reached its highest point in the Sep 2024 quarter at 27.6, when the price was $17.39 and the EPS was $0.63. The lowest point was recorded in the Mar 2026 quarter, when it reached 4.79 with a price of $23.32 and an EPS of $4.87.
Carter Bankshares PE ratio by year
Maximum annual increase: 83.23% in 2023
Maximum annual decrease: -36.81% in 2022
| Year | PE ratio | PE change | Price | EPS |
|---|---|---|---|---|
| 2025 | 14.25 | -14.1% | $19.66 | $1.38 |
| 2024 | 16.59 | 10.82% | $17.59 | $1.06 |
| 2023 | 14.97 | 83.23% | $14.97 | $1 |
| 2022 | 8.17 | -36.81% | $16.59 | $2.03 |
| 2021 | 12.93 | N/A | $15.39 | $1.19 |
| 2020 | N/A | N/A | $10.72 | -$1.74 |
| 2019 | 23.49 | N/A | $23.72 | $1.01 |
| 2018 | N/A | N/A | N/A | $0.45 |
Carter Bankshares PE ratio by quarter (TTM)
| Year | PE ratio | PE change | Price | EPS |
|---|---|---|---|---|
| Mar 2026 | 4.79 | -66.39% | $23.32 | $4.87 |
| Dec 2025 | 14.25 | -0.14% | $19.66 | $1.38 |
| Sep 2025 | 14.27 | 11.92% | $19.41 | $1.36 |
| Jun 2025 | 12.75 | -5.42% | $17.34 | $1.36 |
| Mar 2025 | 13.48 | -18.75% | $16.18 | $1.2 |
| Dec 2024 | 16.59 | -39.89% | $17.59 | $1.06 |
| Sep 2024 | 27.6 | 0.4% | $17.39 | $0.63 |
| Jun 2024 | 27.49 | 26.16% | $15.12 | $0.55 |
| Mar 2024 | 21.79 | 45.56% | $12.64 | $0.58 |
| Dec 2023 | 14.97 | 105.63% | $14.97 | $1 |
| Sep 2023 | 7.28 | 5.81% | $12.53 | $1.72 |
| Jun 2023 | 6.88 | 15.44% | $14.79 | $2.15 |
| Mar 2023 | 5.96 | -27.05% | $14 | $2.35 |
| Dec 2022 | 8.17 | -18.79% | $16.59 | $2.03 |
| Sep 2022 | 10.06 | 8.99% | $16.1 | $1.6 |
CARE Price vs fair value
CARE average PE ratio chart
What this chart measures
The Historical Valuation Regime chart shows where the stock's current valuation sits relative to its own historical valuation range over the selected lookback period.
This is a history-relative tool, not a market-relative percentile. It does not compare the stock to other companies. Instead, it compares each historical valuation reading to the stock's own past readings.
Percentile logic
The threshold lines are calculated them from the stock's real historical values using percentile interpolation. That is why some colored bands are narrow while others are wide: the band widths reflect how the stock actually traded through time.
Regime map
| Historical percentile | Regime | Chart meaning |
|---|---|---|
| 0-10 | Historically Low | Deep cheap zone |
| >10-25 | Below Average | Cheap relative to history |
| >25-75 | Average | Within the normal historical range |
| >75-90 | Above Average | Expensive relative to history |
| >90-100 | Historically High | Extreme or stretched valuation |
How to read each part
| Chart element | What it tells you |
|---|---|
| Main line | The actual historical valuation values over time for the selected metric. |
| Dashed horizontal lines | The stock's computed P10, P25, Median, P75, and P90 thresholds for the selected period. |
| Colored bands | The historical valuation zones between those thresholds. |
| Metric boxes | Current ratio, historical median, current percentile, and current regime. |
| Timeline strip | A condensed regime history showing how the stock moved between cheap, fair, and expensive states across each observation. |
Important metric definitions
Current Percentile is the percentile rank of the latest valid historical observation within the selected lookback range.
Current Regime is assigned directly from the latest observation's percentile bucket using the fixed 10 / 25 / 75 / 90 cutoffs shown above.
How to use it well
This chart is most useful for answering a narrow question: Is this stock trading high, low, or normal relative to its own history? It works best alongside growth, profitability, and forward-looking business analysis, because a stock can deserve a higher or lower regime if its business quality has changed.
Currently, CARE's PE ratio is under its 3 and 5-year averages.
PE comparison
With a price to earnings (P/E) of 5.61, CARE stands lower than the Financial Services sector, the industry and its peers average. Looking at the Financial Services sector average of 12.1, Carter Bankshares's price to earnings (P/E) is 54% lower.
CARE PE vs peers
CARE's PE ratio is below its peer stocks UBSI and HOMB. Carter Bankshares is currently trading at a lower PE ratio (5.61) than its peers average of 12.14.
| Stock name | PE ratio | Market cap |
|---|---|---|
| CARE Carter Bankshares Inc | 5.83 | $631.11M |
| FULT Fulton Financial Corp | 10.39 | $4.19B |
| CAC Camden National Corp | 10.67 | $852.16M |
| FFBC First Financial Bancorp | 10.68 | $3.2B |
| IBOC International Bancshares Corp | 10.87 | $4.54B |
| HOMB Home Bancshares Inc | 11.05 | $5.41B |
| WSBC Wesbanco Inc | 11.06 | $3.33B |
| TRMK Trustmark Corp | 11.65 | $2.58B |
| UBSI United Bankshares Inc | 12.21 | $6.02B |
| BBT Beacon Financial Corp. | 16.16 | $2.4B |
| SBCF Seacoast Banking Corp Of Florida | 19.98 | $2.93B |
Frequently asked questions
What is Carter Bankshares's PE ratio?
CARE's price to earnings ratio is 5.61 as of Jun 3, 2026.
What is the 3-year average PE ratio for Carter Bankshares (CARE)?
The average PE ratio for CARE stock over the past 3 years is 15.18.
What is the 5-year average PE ratio for Carter Bankshares (CARE)?
The average PE ratio for CARE stock over the past 5 years is 13.47.
What is the highest PE ratio for CARE?
Over the last seven years, the Sep 2024 quarter recorded the highest quarterly PE ratio at 27.6.
How does the current PE ratio for CARE compare to its historical average?
CARE's price to earnings ratio is currently 60% below its 7-year historical average.
Why is Carter Bankshares's PE ratio so low?
CARE's PE ratio is low because the stock price is relatively cheap compared to the earnings generated by the company.
How is CARE's PE ratio calculated (Carter Bankshares PE ratio formula)?
To determine the P/E ratio, divide the latest stock price by the TTM earnings per share (EPS). As of today (Jun 3, 2026), Carter Bankshares's share price is $27.33. The company's earnings per share for the trailing twelve months (TTM) ending Mar 2026 is $4.87. Therefore, Carter Bankshares's price to earnings ratio for today is 5.61. PE RATIO(5.61) = STOCK PRICE($27.33) / TTM EPS($4.87)
All PE ratio stats are based on quarterly TTM periods, unless otherwise specified.