# Carter Bankshares (CARE) — Earnings

CARE · NASDAQ · Stock

Canonical page: https://www.lighthorse.io/tickers/care/earnings

## Most recent quarter

| Metric | Value |
| --- | --- |
| 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 |
| SEC filing | [View filing](https://www.sec.gov:443/Archives/edgar/data/1829576/000182957626000007/care-20260129.htm) |

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

| Fiscal period | Report date | EPS estimate | EPS actual | Surprise | Revenue estimate | Revenue actual |
| --- | --- | --- | --- | --- | --- | --- |
| Q4 2025 | Jan 29, 2026 | $0.37 | $0.41 | 11.81% | $40.7M | $39.8M |
| Q2 2025 | Jul 24, 2025 | $0.32 | $0.41 | 26.82% | $37.3M | $37.3M |
| Q1 2025 | Apr 24, 2025 | $0.28 | $0.32 | 12.60% | $34.9M | $37.0M |
| Q4 2024 | Jan 23, 2025 | $0.26 | $0.37 | 40.79% | $35.6M | $34.5M |
| Q3 2024 | Oct 24, 2024 | $0.23 | $0.23 | 1.68% | $35.0M | $34.2M |
| Q2 2024 | Jul 25, 2024 | $0.21 | $0.21 | 2.44% | $34.6M | $33.6M |
| Q1 2024 | Apr 25, 2024 | $0.10 | $0.24 | 132.33% | $32.8M | $33.5M |
| Q4 2023 | Jan 25, 2024 | $0.17 | −$0.02 | -111.54% | $32.5M | $30.7M |
| Q3 2023 | Oct 26, 2023 | $0.20 | $0.20 | 0.20% | $32.6M | $32.7M |
| Q2 2023 | Jul 27, 2023 | $0.61 | $0.24 | -60.96% | $44.1M | $31.3M |
| Q1 2023 | Apr 27, 2023 | $0.62 | $0.68 | 9.03% | $44.5M | $44.0M |
| Q4 2022 | Jan 26, 2023 | $0.61 | $0.62 | 2.24% | $44.6M | $47.1M |
| Q3 2022 | Oct 27, 2022 | $0.53 | $0.55 | 3.77% | $40.1M | $43.0M |
| Q2 2022 | Jul 28, 2022 | $0.41 | $0.44 | 7.32% | $36.2M | $38.1M |
| Q1 2022 | Apr 26, 2022 | $0.32 | $0.36 | 14.29% | $33.5M | $33.6M |
| Q4 2021 | Jan 27, 2022 | $0.34 | $0.21 | -38.24% | $34.4M | $33.8M |
| Q3 2021 | Oct 28, 2021 | $0.28 | $0.40 | 41.19% | $33.0M | $35.0M |
| Q2 2021 | Jul 29, 2021 | $0.29 | $0.24 | -16.29% | $32.8M | $34.4M |
| Q1 2021 | Apr 29, 2021 | $0.21 | $0.22 | 4.69% | $31.5M | $35.5M |
| Q4 2020 | Jan 28, 2021 | $0.11 | $0.07 | -30.93% | $31.5M | $31.7M |

## 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.

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Earnings figures may be restated, revised or corrected by the issuer. Past results do not indicate future performance.

This page is for informational purposes only. Nothing on it is a recommendation, solicitation or offer to buy or sell any security, nor investment, legal or tax advice. Light Horse Securities Inc does not verify third-party data and is not responsible for its accuracy, completeness or timeliness.

Data provided by [AInvest](https://www.ainvest.com).