Carter Bankshares (CARE) earnings history
Most recent quarter
- Fiscal period
- Q4 2025
- Period end
- Dec 31, 2025
- EPS actual
- $0.41
- EPS estimate
- $0.37
- EPS surprise
- +11.81%
- Revenue surprise
- −2.04%
- Revenue
- $39.8M
- Revenue estimate
- $40.7M
- Reported
- Jan 29, 2026
Carter Bankshares last reported Q4 2025 results on January 29, 2026. Earnings per share were $0.41, beating the $0.37 estimate by 11.81%. Revenue of $39.8 million missed the $40.7 million estimate by 2.04%. Compared with Q4 2024, EPS rose about 11% from $0.37 and revenue rose about 15% from $34.5 million.
The table has a gap: it shows no Q3 2025 row, so 2025 cannot be totalled. Earlier, annual EPS rose from $1.07 in 2021 to $1.97 in 2022, then fell to $1.10 in 2023 and $1.05 in 2024. The peak quarter was Q1 2023, at $0.68 per share. The low was Q4 2023, a loss of $0.02 and the only loss in the table. Since then, EPS has climbed back to $0.41 in each of the last two quarters shown, and quarterly revenue has risen from $30.7 million to $39.8 million. Over the 20 quarters, Carter beat the EPS estimate 15 times.
The table holds no 2026 quarter yet. Based on past dates, Carter has reported first-quarter results in late April, second-quarter results in late July and third-quarter results in late October. The next quarters added here will show whether EPS holds near the $0.41 of recent reports.
Earnings history
| Period | Reported | EPS estimate | EPS actual | Surprise | Revenue | Filing |
|---|---|---|---|---|---|---|
| Q4 2025 | Jan 29, 2026 | $0.37 | $0.41 | +11.81% | $39.8M | SEC |
| Q2 2025 | Jul 24, 2025 | $0.32 | $0.41 | +26.82% | $37.3M | SEC |
| Q1 2025 | Apr 24, 2025 | $0.28 | $0.32 | +12.60% | $37.0M | SEC |
| Q4 2024 | Jan 23, 2025 | $0.26 | $0.37 | +40.79% | $34.5M | SEC |
| Q3 2024 | Oct 24, 2024 | $0.23 | $0.23 | +1.68% | $34.2M | SEC |
| Q2 2024 | Jul 25, 2024 | $0.21 | $0.21 | +2.44% | $33.6M | SEC |
| Q1 2024 | Apr 25, 2024 | $0.10 | $0.24 | +132.33% | $33.5M | SEC |
| Q4 2023 | Jan 25, 2024 | $0.17 | −$0.02 | −111.54% | $30.7M | SEC |
| Q3 2023 | Oct 26, 2023 | $0.20 | $0.20 | +0.20% | $32.7M | SEC |
| Q2 2023 | Jul 27, 2023 | $0.61 | $0.24 | −60.96% | $31.3M | SEC |
| Q1 2023 | Apr 27, 2023 | $0.62 | $0.68 | +9.03% | $44.0M | SEC |
| Q4 2022 | Jan 26, 2023 | $0.61 | $0.62 | +2.24% | $47.1M | SEC |
| Q3 2022 | Oct 27, 2022 | $0.53 | $0.55 | +3.77% | $43.0M | SEC |
| Q2 2022 | Jul 28, 2022 | $0.41 | $0.44 | +7.32% | $38.1M | SEC |
| Q1 2022 | Apr 26, 2022 | $0.32 | $0.36 | +14.29% | $33.6M | SEC |
| Q4 2021 | Jan 27, 2022 | $0.34 | $0.21 | −38.24% | $33.8M | SEC |
| Q3 2021 | Oct 28, 2021 | $0.28 | $0.40 | +41.19% | $35.0M | SEC |
| Q2 2021 | Jul 29, 2021 | $0.29 | $0.24 | −16.29% | $34.4M | SEC |
| Q1 2021 | Apr 29, 2021 | $0.21 | $0.22 | +4.69% | $35.5M | SEC |
| Q4 2020 | Jan 28, 2021 | $0.11 | $0.07 | −30.93% | $31.7M | — |
Quarterly revenue
Frequently asked questions
When did Carter Bankshares (CARE) last report earnings?
Carter Bankshares last reported on Jan 29, 2026, covering fiscal Q4 2025.
Did CARE beat earnings estimates?
Yes. Carter Bankshares reported EPS of $0.41 for Q4 2025 against a $0.37 estimate — a 11.81% beat.
How much revenue did CARE report last quarter?
Carter Bankshares reported $39.8M in revenue for Q4 2025, against a consensus estimate of $40.7M.
Earnings figures may be restated, revised or corrected by the issuer. Past results do not indicate future performance.
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