Financials in USD. Standardized financial statements.
A compact view of how Carter Bankshares, Inc. turns revenue into operating income and net income.
| Metric | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue? | $254.63M | $239.67M | $211.82M | $179.15M | $156.38M | $163.77M | $168.38M | $157.89M | $144.33M | $146.66M |
| Revenue Growth? | +6.2% | +13.1% | +18.2% | +14.6% | -4.5% | -2.7% | +6.6% | +9.4% | -1.6% | 0.0% |
| Cost of Revenue? | $97.57M | $102.23M | $80.51M | $23.18M | $24.80M | $53.83M | $50.18M | $54.98M | $80.31M | $64.10M |
| Gross Profit? | $157.06M | $137.45M | $131.31M | $155.97M | $131.58M | $109.94M | $118.21M | $102.91M | $64.02M | $82.56M |
| Gross Margin? | +61.7% | +57.3% | +62.0% | +87.1% | +84.1% | +67.1% | +70.2% | +65.2% | +44.4% | +56.3% |
| Operating Expenses? | $117.05M | $106.58M | $102.59M | $94.25M | $95.89M | $155.03M | $90.42M | $88.60M | $82.23M | $64.94M |
| Operating Income? | $40.00M | $30.87M | $28.72M | $61.72M | $35.70M | -$45.09M | $27.78M | $14.31M | -$18.21M | $17.62M |
| EBITDA? | $40.00M | $37.92M | $34.97M | $67.78M | $41.93M | -$38.94M | $33.12M | $17.99M | -$15.06M | $20.91M |
| Income Before Tax | $40.00M | $30.87M | $28.72M | $61.72M | $35.70M | -$45.09M | $27.78M | $14.31M | -$18.21M | $17.62M |
| Income Tax Expense | $8.64M | $6.35M | $5.34M | $11.60M | $4.11M | $772,000 | $1.21M | $2.40M | -$17.53M | $1.65M |
| Net Income? | $31.36M | $24.52M | $23.38M | $50.12M | $31.59M | -$45.86M | $26.57M | $11.90M | -$681,000 | $15.98M |
| EPS? | $1.40 | $1.06 | $1.00 | $2.03 | $1.20 | $-1.74 | $1.01 | $0.45 | $-0.03 | $0.61 |
| Diluted EPS? | $1.40 | $1.06 | $1.00 | $2.03 | $1.20 | $-1.74 | $1.01 | $0.45 | $-0.03 | $0.61 |
Revenue, profitability, margins, EPS, and share-count trends over time.
Top-line demand and scale over time
Profit left after direct production costs
Core business profitability before financing and tax
Bottom-line profit after all expenses
Profit allocated to each diluted share
Share count trend that affects EPS quality
Gross, operating, and net margin quality