Stock Ratings / Financials / CARE / dividends

WCCB (51) ACNB (72) CCB (54) RRBI (63) ⌘ Pro Terminal →

Carter Bankshares Inc. (CARE) Dividend Safety Gauge & 10-Year DRIP Compounder

$29.89 -1.09% NASDAQ • Live Quote vs Prior Daily Close (Synced Snapshot) EXT / AFTER-HRS: $29.77

Carter Bankshares Inc. (CARE) carries a Roarable Rating of C (Hold) with 64/100 RQD Confidence. The composite score sits in the neutral Hold band (59–69), meaning current holders don’t need to panic-sell while prospective buyers can wait for a move into the 70+ Buy zone.

📊 Historical Track Record: Scores of 64/100 (C) historically posted market-perform odds over rolling 90-day windows (+1.1% avg 90D alpha vs SPY) →

ROARABLE C • HOLD / WATCH Cap $662.5M

📤 Share Live RQD Speedometer Card: 𝕏 Post Reddit StockTwits ⬇ Live SVG Card

INTERACTIVE SCENARIO DECK:

🛡️ Portfolio Crash X-Ray

EXT / AFTER-HRS: $29.77 (-0.39%)🧬 Cannibal Buyback (-1.80% YoY Shares)⚙️ Cash Engine: 12/20 (C-) • 156.6% FCF Margin

Verify 90D Bucket Audit →

📊 Historical Track Record: Scores of 64/100 (C) historically posted market-perform odds over rolling 90-day windows (+1.1% avg 90D alpha vs SPY • 55.2% hit rate — wait for RQD ≥ 70 breakout).

Audit Bucket Track Record →

RQD QUANT TACHOMETERHOLD / WATCH • C

JEV AI Jury Split (Battleground)

Cash

SEC

Whale

Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer

5-PILLAR SNOWFLAKE RADARRw D+ · Rk B

Each axis scored 0–20

12M PRICE TARGET CONE+2.7% Base Target

WHALE OPTIONS SNAPSHOT: — (No Active Options Snapshot on file for CARE)Realized 20D OHLCV Swing Band: ±4.4%

Deterministic 5-Pillar Attribution (64/100 Composite)

🔍 WHY CARE SCORES 64/100 (C) — TOP 3 DRIVERS2 Bullish Pillars + #1 Risk Drag

▲ #1 Bullish Driver: Macro Regime Fit+16/20 pts (25% of score)

FRED Regime × Technicals: 68% of 52W Range • RSI-14 at 34.5 (NEUTRAL RANGE)

▲ #2 Bullish Driver: Insider Conviction & Share Dilution+14/20 pts (22% of score)

SEC Form 4 / 13F Thermometer: 70% Net Buy • Cannibal Buyback (-1.80% YoY Shares)

▼ #1 Drag / Risk Factor: Whale & Options Positioning9/20 pts (-11 pt drag)

Put hedging (50% put share) caps near-term gamma upside (-11 pts vs max)

📈 PAST 4 QUARTERS RQD vs SUBSEQUENT RETURNQ1 → Q2 → Q3 → Current

Q1 (-3Q)

Grade B$30.16+0.2% Next Q

Q2 (-2Q)

Grade B-$30.21+1.2% Next Q

Q3 (-1Q)

Grade B-$30.57-2.2% Next Q

Current

Grade C$29.89+1.1% Hist 90D α

Trajectory: B (72) → C (64)Full Audit →

⚔️ ADVERSARIAL OPPOSING CASE & FORENSIC KILL-SWITCH (WHY THE BULL/BEAR THESIS COULD FAIL)GIDEON ASHMERE // FORENSIC SHORT & KILL-SWITCH DOSSIER

⚔️ Adversarial Opposing Case: Why the CARE Bull Thesis Could Fail

Gideon Ashmere Forensic Desk →

Even with a 64/100 (C) score, CARE faces multiple-compression risk if 21.1x trailing P/E re-rate toward historical sector medians or if hyperscaler/enterprise customer concentration slows in upcoming 10-Q filings.

⚠️ Forensic Kill-Switch #1

Broader market pullbacks can still drag down strong stocks in the short run.

⚠️ Forensic Kill-Switch #2

Dilution & Margin Drag: Cannibal Buyback (-1.80% YoY Shares) — any gross margin slip below 49.5% triggers an automatic RQD downgrade.

⚠️ Forensic Kill-Switch #3

Technical & Forensic Kill-Switch: A daily close below the 50D SMA ($30.65) or 200D SMA ($27.48) invalidates the momentum regime and cuts Target Base ($30.70) toward Bear Floor ($23.95).

🎲 LIVE PREDICTION MARKET ODDS TIED TO $CARE• $2.4M Crowd Pool • Kalshi / Polymarket Composite

Contract: “CARE Beats Next Quarter EPS Consensus (Dec 30, 2026) & Holds Above 200D SMA”

YES 64%NO 36%Trade / Inspect Odds →

CASH DIVIDEND + BUYBACK YIELD

1.8% Total Yield

0% Cash ($0.00/yr) + 1.8% Buybacks

PAYOUT SAFETY SPEEDOMETER

74/100 • REINVESTING IN GROWTH + BUYBACKS

FREE CASH FLOW PAYOUT RATIO

0% (100% Reinvested)

Retains cash flow for R&D and share repurchases

INTERACTIVE DRIP & SHAREHOLDER-YIELD COMPOUNDER (5.5% EST. ANNUAL)

$10,000 Compounded Over 10 Years → $17,081

Est. Year-10 Shareholder Yield: $307/yr

Starting Investment: $10,000

Compounding Horizon: 10 Years

$10.6K

Yr 1

$11.1K

Yr 2

$11.7K

Yr 3

$12.4K

Yr 4

$13.1K

Yr 5

$13.8K

Yr 6

$14.5K

Yr 7

$15.3K

Yr 8

$16.2K

Yr 9

$17.1K

Yr 10

ON-DEMAND RQD QUANT WORKSHOP • SPONSORED / PARTNER SPOTLIGHTHosted by Perry Belcher + Cash-Flow & Quality Compounder Desk

Cash-Fortress Compounders: Auditing Free Cash Flow & Yield Safety in CARE & A-Rated Leaders

✓12-month Bull/Base/Bear fair-value walkthrough on CARE and its top sector peer
✓Top Roarable A-Rated cash compounders with verified executive & 13F accumulation
✓Includes nightly RQD rating-change & forensic signal email alerts

RQD INSIDER CLUB WAITLIST$49/YR PLANNED

Want Custom AI PineScript / Python Indicators & Priority Rating-Change Alerts?

Join Founding VIP Waitlist (No Card Required) →$100K Arena

CARE // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: +16.76%▼ DESCENDING CHANNEL

2026-10-30O $29.94H $30.07L $28.93C $29.89VOL 244.2K

RES: $30.96SUP: $28.60SMA50: $30.65SMA200: $27.48

PRIMARY-SOURCE FORENSICS, SECOND-ORDER LINKS & AI ANALYST DESK

CARE Dilution Monitor, Expectations Hurdle, Butterfly Connections & Policy Exposure

🦋 CARE Butterfly Map → + Track CARE →

Share Count & Dilution Monitor (#25)

Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).

Reverse-DCF Expectations Hurdle (#30)

14.8%/yr Implied 5Y Growth

vs. +4.6% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).

Ellis Vennor Setup Ledger (#33)

No active Ellis Vennor swing setup published on CARE today. View full Setup Ledger →

🦋 Documented & Second-Order Butterfly Connections Open Graph →

No direct multi-tier Butterfly edges indexed yet for CARE. Explore sector supply chains on /butterfly.

AI Analyst Theses, Washington Policy & Company Video

🎬 No recent verified company-specific video clip queued for CARE today (we never pad ticker pages with unrelated generic clips). Browse Macro Video Desk →

DETERMINISTIC MULTI-FACTOR EQUITY AUDIT • SEC EDGAR XBRL × RQD PEER BENCHMARK

📊 Quantitative Sector Peer Comparison, SEC Filing Delta & Investment FAQ (CARE)

Financials Rank #354 of 1096 ⚔️ WCCB vs CARE Full Matrix →

1. Head-to-Head Financials Peer Comparison (CARE vs. WCCB, ACNB, CCB, RRBI)

Industry: Major Banks (248 Tracked Issuers)

Across 1096 tracked Financials securities in the Roarable RQD universe, Carter Bankshares Inc. (CARE) ranks #354 by composite RQD confidence (64/100, grade C) and #644 by equity capitalization ($662.5M). Within this direct 5-issuer industry benchmark cohort, CCB leads on earnings valuation at 14.2x trailing P/E, while RRBI leads on capital efficiency and profitability with 11.7% ROIC and — gross margin. ACNB currently holds the highest overall quantitative score in the immediate peer group at 72/100 (B) compared with CARE at 64/100 (C).

Ticker / Company	Roarable Grade	RQD Score	Trailing P/E	Gross Margin	ROIC	1D Change	Market Cap	Head-to-Head
CARE ACTIVE Carter Bankshares Inc.	C	64/100	21.1x	—	7.5%	-1.09%	$662.5M	Benchmark Subject
WCCB West Coast Community Bancorp	D	51/100	—	—	—	-0.14%	$665.8M	/wccb-vs-care →
ACNB ACNB Corporation	B	72/100	18.0x	—	8.8%	+0.72%	$667.0M	/acnb-vs-care →
CCB Coastal Financial Corporation	D+	54/100	14.2x	—	9.6%	-7.36%	$667.4M	/ccb-vs-care →
RRBI Red River Bancshares Inc.	C	63/100	15.7x	—	11.7%	+0.69%	$672.2M	/rrbi-vs-care →

2. Multi-Year SEC XBRL Revenue, Cash Flow & Balance-Sheet Trajectory (FY2023–FY2025)

SEC EDGAR 10-K • FILED 2025-12-31 • CIK 0001829576

In its most recent audited fiscal period (FY2025, filed 2025-12-31), Carter Bankshares Inc. (CARE) reported GAAP revenue of $20.3M (+4.6% vs. FY2024 revenue of $19.4M , and +17.7% cumulative change since FY2023) , GAAP net income of $31.4M, operating cash flow of $39.9M, and free cash flow of $31.8M (+10.4% YoY). On the balance sheet, CARE closed FY2025 with $4.85B in total assets against $0 in total debt (Altman Z-Score: N/A, Piotroski F-Score: 6/9).

Fiscal Period	Filing Date	Revenue	Net Income	Operating Cash Flow	Free Cash Flow	Total Assets	Total Debt
FY2025 (FY)	2025-12-31	$20.3M	$31.4M	$39.9M	$31.8M	$4.85B	—
FY2024 (FY)	2024-12-31	$19.4M	$24.5M	$36.9M	$28.8M	$4.66B	—
FY2023 (FY)	2023-12-31	$17.3M	$23.4M	$46.7M	$46.7M	—	—

3. CARE Data-Verified Investor FAQ (RQD Rating, Sector Peers, SEC Forensics & Technicals)

✓ SCHEMA.ORG FAQPAGE JSON-LD ENABLED

Is CARE stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

As of 2026-11-01, Carter Bankshares Inc. (NASDAQ: CARE) is rated C (Hold / HOLD) by Roarable's 5-pillar RQD engine with a composite confidence score of 64/100 at a spot price of $29.89 (-1.09% 1D, market cap $662.5M). Pillar breakdown: Fundamental Cash Engine 12/20, Institutional 13F & Options Flow 9/20, Executive Insider Alignment 13/20, FRED Macro Regime Fit 16/20, and SEC Balance-Sheet Forensics 14/20. Across 1096 tracked Financials issuers, CARE ranks #354 in composite RQD confidence.

How does CARE compare to WCCB and ACNB in the Financials sector?

Within the Financials sector (Major Banks), CARE carries a Roarable C (64/100 RQD), trailing P/E of 21.1x, gross margin of —, and ROIC of 7.5%. By comparison, WCCB (West Coast Community Bancorp) holds a D grade (51/100 RQD, P/E N/A, ROIC —, cap $665.8M) and ACNB (ACNB Corporation) posts a B grade (72/100 RQD, P/E 18.0x, ROIC 8.8%, cap $667.0M). Among the 5-stock peer group, CCB leads on earnings multiple (14.2x) while RRBI leads on capital efficiency (11.7% ROIC).

What are the biggest fundamental strengths and SEC risk factors for CARE?

Per CARE's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0001829576), Carter Bankshares Inc. generated $20.3M in revenue (+4.6% YoY), $31.4M in net income, and $31.8M in free cash flow against $4.85B in total assets and $0 in total debt. Key quantitative strengths: Company leadership has skin in the game with net positive insider conviction.. Primary risk factors monitored: Broader market pullbacks can still drag down strong stocks in the short run.. Institutional options positioning shows a 50% call / 50% put premium split.

Where is CARE trading relative to its 50-day, 200-day, and 52-week technical levels?

CARE last traded at $29.89 (-1.09% on volume of 228,054 shares), positioning the stock -2.48% below its 50-day simple moving average ($30.65) and +8.77% above its 200-day simple moving average ($27.48). Across its 52-week range of $16.78 to $36.06, CARE sits at the 68.0% percentile with a 14-day RSI of 34.5 (NEUTRAL RANGE) and an implied next-earnings move of ±4.4% ($28.57 to $31.21).

CARE Investor FAQ & Complete 8-Part Research Index

100% OPEN ACCESS • SEC EDGAR × CBOE × FRED

Does CARE pay a dividend and is it safe?

Carter Bankshares Inc. (CARE) offers a 0% cash dividend yield ($0.00 annualized) and 1.8% total shareholder yield including buybacks. Roarable rates its payout coverage as REINVESTING IN GROWTH + BUYBACKS.

Direct Sub-Reports: CARE RQD Cockpit CARE 12M Forecast CARE Earnings & Move CARE Dividends & DRIP CARE Insiders & 13F CARE Whale Options CARE Profit Sankey CARE News & Why