Carter Bankshares, Inc. cash flow to debt ratio of 22.33% indicates that the company cannot generate enough cash to cover its debt over time. This level indicates weak financial health.

Carter Bankshares, Inc.'s free cash flow has increased 10.42% from $28.80M last year to $31.81M, signaling increasing performance

Carter Bankshares, Inc.'s debt to equity ratio is 0.00, which means that the company's assets are healthy financed, signaling financial stability.

Carter Bankshares, Inc.'s debt has decreased relative to shareholder equity from 0.18 last year to 0.00 today, signaling strengthened financials

Carter Bankshares, Inc. has a net cash position, so leverage is healthy.

Carter Bankshares, Inc. earns at least as much interest as it pays. Interest obligations are fully covered.

Carter Bankshares, Inc.'s profit margin has increased (260.57%) in the last year from 10.23% to 36.89%, signaling increasing performance

Carter Bankshares, Inc.'s short-term liabilities of $4.21B exceed its short-term assets of $488.67M, signaling financial risk

Carter Bankshares, Inc.'s return on assets of 2.68% is lower than the 5.00% threshold, indicating inefficient asset utilization

Carter Bankshares, Inc.'s return on equity of 27.40%, is higher than 15.00%, indicating good performance

Carter Bankshares, Inc.'s operating cash flow exceeds its net income, indicating high-quality earnings backed by actual cash generation

Carter Bankshares, Inc. had positive net income in 5 out of 5 years, indicating stable and consistent earnings

Carter Bankshares, Inc. has positive free cash flow, indicating the company generates cash after capital expenditures

Carter Bankshares, Inc. has a free cash flow yield of 4.52%, which is above the 2.00% threshold, indicating strong cash generation relative to market value

Carter Bankshares, Inc.'s yearly earnings has increased 27.89% since last year from $24.52M to $31.36M, signaling increasing performance

Carter Bankshares, Inc.'s yearly revenue has increased 6.24% since last year from $239.67M to $254.63M, signaling increasing performance

ROIC 21.27% (Source: FMP key-metrics). At or above the 10% threshold. Score: 2 of 2. The company is generating returns above the upper end of the typical US weighted-average cost of capital range under this definition of invested capital.

Carter Bankshares, Inc.'s 3-year revenue CAGR of 12.43% is positive, indicating growing revenue over the past 3 years

Carter Bankshares, Inc. had revenue growth in 4 out of 5 years, indicating consistent revenue performance

Carter Bankshares, Inc. had positive ROE in 5 out of 5 years, indicating consistent and reliable returns on equity

Carter Bankshares, Inc. has insufficient data to evaluate this check.

Carter Bankshares, Inc. has an earnings yield of 18.56%, which is above the 4.00% threshold, indicating the stock offers reasonable value relative to its earnings

Carter Bankshares, Inc. is overvalued relative to its fair value price of 9.33 based on EBITDA multiple model

Carter Bankshares, Inc. has an EV/EBITDA ratio of 8.21x, which is below the 20.00x threshold, indicating reasonable valuation relative to its operating earnings

Carter Bankshares, Inc. is undervalued relative to its fair value price of 35.44 based on Earnings Fair Value model

Carter Bankshares, Inc. had non-positive diluted EPS five years ago; the PEG ratio is not meaningful and the check fails.

Carter Bankshares, Inc. has a price-to-book ratio of 1.28x, which is below the 5.00x threshold, indicating reasonable valuation relative to its book value

Carter Bankshares, Inc. has a price-to-sales ratio of 1.99x, which is below the 8.00x threshold, indicating reasonable valuation relative to its revenue