Compared to Estimates, Carter Bankshares (CARE) Q3 Earnings: A Look at Key Metrics

Core Insights - Carter Bankshares, Inc. reported revenue of $39.25 million for the quarter ended September 2025, marking a year-over-year increase of 14.1% [1] - The earnings per share (EPS) for the same period was $0.26, compared to $0.23 a year ago [1] - The reported revenue fell short of the Zacks Consensus Estimate of $39.8 million, resulting in a surprise of -1.38% [1] - The company experienced an EPS surprise of -33.33%, with the consensus EPS estimate being $0.39 [1] Financial Metrics - The efficiency ratio was reported at 73.4%, which is higher than the two-analyst average estimate of 72% [4] - The net interest margin stood at 2.9%, aligning with the average estimate based on two analysts [4] - Total noninterest income was $5.37 million, slightly above the two-analyst average estimate of $5.35 million [4] Stock Performance - Over the past month, shares of Carter Bankshares have returned -3.5%, contrasting with the Zacks S&P 500 composite's +0.2% change [3] - The stock currently holds a Zacks Rank 3 (Hold), indicating potential performance in line with the broader market in the near term [3]