Carter Bankshares (CARE) Q4 Earnings: Taking a Look at Key Metrics Versus Estimates

Core Insights - Carter Bankshares, Inc. reported a revenue of $39.99 million for the quarter ended December 2025, reflecting a year-over-year increase of 15.2% [1] - The earnings per share (EPS) for the quarter was $0.41, up from $0.37 in the same quarter last year, indicating a positive growth trend [1] - The reported revenue fell short of the Zacks Consensus Estimate of $41.02 million, resulting in a revenue surprise of -2.52% [1] - The company achieved an EPS surprise of +24.24%, with the consensus EPS estimate being $0.33 [1] Financial Metrics - The efficiency ratio for Carter Bankshares was reported at 77.8%, which is higher than the estimated average of 72.1% by two analysts [4] - The net interest margin stood at 2.9%, matching the estimated average of 2.9% by two analysts [4] - Total noninterest income was reported at $5.23 million, which is below the estimated average of $5.75 million by two analysts [4] Stock Performance - Over the past month, shares of Carter Bankshares have returned +1.3%, outperforming the Zacks S&P 500 composite's +0.8% change [3] - The stock currently holds a Zacks Rank 3 (Hold), suggesting it may perform in line with the broader market in the near term [3]