Carter Bankshares (FRA:6NH) Cyclically Adjusted FCF per Share: € (As of Jun. 2026)

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FRA:6NH Carter Bankshares Inc FRA:6NH
76 GF Score
Price €25.00
GF Value €27.91
! 5 Warning Signs
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What is Carter Bankshares Cyclically Adjusted FCF per Share?

Carter Bankshares FRA:6NH 76 Cyclically Adjusted FCF per Share is € as of Jun. 2026. GuruFocus rates FRA:6NH with a GF Score™ of 76/100 and a GF Value™ of €27.91. The stock has 5 warning signs investors should review.

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted FCF per Share and the Cyclically Adjusted Price-to-FCF. The Cyclically Adjusted FCF per Share is the average of the inflation adjusted Free Cash Flow per Share of a company over the past 10 years.

Carter Bankshares's adjusted free cash flow per share for the three months ended in Jun. 2026 was €-10.280. Add all the adjusted free cash flow per share for the past 10 years together and divide the count will get our Cyclically Adjusted FCF per Share, which is for the trailing ten years ended in Jun. 2026.

During the past 12 months, Carter Bankshares's average Cyclically Adjusted FCF Growth Rate was 4.40% per year. During the past 3 years, the average Cyclically Adjusted FCF Growth Rate was -1.70% per year. During the past 5 years, the average Cyclically Adjusted FCF Growth Rate was 3.50% per year. Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the Cyclically Adjusted FCF Growth Rate using Cyclically Adjusted FCF per Share data.

During the past 13 years, the highest 3-Year average Cyclically Adjusted FCF Growth Rate of Carter Bankshares was 8.70% per year. The lowest was -1.70% per year. And the median was 3.10% per year.

As of today (2026-09-20), Carter Bankshares's current stock price is €25.00. Carter Bankshares's Cyclically Adjusted FCF per Share for the quarter that ended in Jun. 2026 was . Carter Bankshares's Cyclically Adjusted Price-to-FCF of today is .

During the past 13 years, the highest Cyclically Adjusted Price-to-FCF of Carter Bankshares was 18.30. The lowest was 5.79. And the median was 9.16.


Carter Bankshares  (FRA:6NH) Cyclically Adjusted FCF per Share Explanation

If a company grows much fast than inflation, Cyclically Adjusted FCF per Share may underestimate the company's free cash flow. Cyclically Adjusted Price-to-FCF can seem to be too high even the actual Price-to-Free-Cash-Flow is low.

For the Cyclically Adjusted Price-to-FCF, the free cash flow per share of the past 10 years are inflation-adjusted and averaged. The result is used for P/FCF calculation. Since it looks at the average over the last 10 years, the Cyclically Adjusted Price-to-FCF is also called CAPFCF Ratio.

The Shiller PE Ratio was first used by professor Robert Shiller. He uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings per share of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted Price-to-FCF. The Cyclically Adjusted FCF per Share is the average of the inflation adjusted free cash flow per share of a company over the past 10 years.

During the past 13 years, the highest Cyclically Adjusted Price-to-FCF of Carter Bankshares was 18.30. The lowest was 5.79. And the median was 9.16.


Be Aware

Cyclically Adjusted Price-to-FCF works better for cyclical companies. It gives you a better idea on the company's real free cash flow value.


Carter Bankshares Cyclically Adjusted FCF per Share Related Terms


Carter Bankshares Cyclically Adjusted FCF per Share Historical Data

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The historical data trend for Carter Bankshares's Cyclically Adjusted FCF per Share can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

Carter Bankshares Cyclically Adjusted FCF per Share Chart

Carter Bankshares Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Cyclically Adjusted FCF per Share
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Carter Bankshares Quarterly Data
Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26 Jun26
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FRA:6NH vs CCB, RCBC, AROW: Cyclically Adjusted FCF per Share Comparison

For the Banks - Regional subindustry, Carter Bankshares's Cyclically Adjusted Price-to-FCF, along with its competitors' market caps and Cyclically Adjusted Price-to-FCF data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.


Carter Bankshares Cyclically Adjusted Price-to-FCF vs Banks Industry

For the Banks industry and Financial Services sector, Carter Bankshares's Cyclically Adjusted Price-to-FCF distribution charts can be found below:

* The bar in red indicates where Carter Bankshares's Cyclically Adjusted Price-to-FCF falls into.


FRA:6NH
76GF Score
Carter Bankshares Inc FRA:6NH
Cyclically Adjusted FCF per Share is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Carter Bankshares Cyclically Adjusted FCF per Share Calculation

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted FCF per Share and the Cyclically Adjusted Price-to-FCF. The Cyclically Adjusted FCF per Share is the average of the inflation adjusted Free Cash Flow per Share of a company over the past 10 years.

What is Cyclically Adjusted FCF per Share? How do we calculate Cyclically Adjusted FCF per Share?

Cyclically Adjusted FCF per Share is the average of the inflation adjusted Free Cash Flow per Share of a company over the past 10 years. Let's use an example to explain.

If we want to calculate the Cyclically Adjusted FCF per Share of Wal-Mart (WMT) for Dec. 31, 2010, we need to have the inflation data and the free cash flow per share from 2001 through 2010.

We adjusted the 2001 free cash flow per share data with the total inflation from 2001 through 2010 to the equivalent free cash flow in 2010. If the total inflation from 2001 to 2010 is 40%, and Wal-Mart's free cash flow is $1 a share in 2001, then the 2001's equivalent free cash flow in 2010 is $1.4 a share. If Wal-Mart's free cash flow is $1 again in 2002, and the total inflation from 2002 through 2010 is 35%, then the equivalent 2002 free cash flow in 2010 is $1.35. So on and so forth, you get the equivalent free cash flow per share of past 10 years. Then you add them together and divided the sum by the count to get Cyclically Adjusted FCF per Share.

Please note that we use the CPI data of the country/region where the company is headquartered. If the CPI data for that country/region is not available, then we will use the CPI data of the United States as default.

For example, Carter Bankshares's adjusted Free Cash Flow per Share data for the three months ended in Jun. 2026 was:

Adj_FreeCashFlowPerShare= Free Cash Flow per Share /CPI of Jun. 2026 (Change)*Current CPI (Jun. 2026)
=-10.28/333.9520*333.9520
=-10.280

Current CPI (Jun. 2026) = 333.9520.

Carter Bankshares Quarterly Data

Free Cash Flow per Share CPI Adj_FreeCashFlowPerShare
201609 -0.100 241.428 -0.138
201612 0.642 241.432 0.888
201703 0.542 243.801 0.742
201706 0.155 244.955 0.211
201709 0.411 246.819 0.556
201712 0.225 246.524 0.305
201803 0.333 249.554 0.446
201806 0.129 251.989 0.171
201809 0.334 252.439 0.442
201812 0.425 251.233 0.565
201903 0.655 254.202 0.860
201906 0.282 256.143 0.368
201909 0.474 256.759 0.617
201912 0.241 256.974 0.313
202003 0.003 258.115 0.004
202006 -0.288 257.797 -0.373
202009 0.052 260.280 0.067
202012 0.338 260.474 0.433
202103 0.187 264.877 0.236
202106 -0.066 271.696 -0.081
202109 0.938 274.310 1.142
202112 0.383 278.802 0.459
202203 0.400 287.504 0.465
202206 0.496 296.311 0.559
202209 0.839 296.808 0.944
202212 0.801 296.797 0.901
202303 0.818 301.836 0.905
202306 0.101 305.109 0.111
202309 0.283 307.789 0.307
202312 0.259 306.746 0.282
202403 0.659 312.332 0.705
202406 -0.169 314.175 -0.180
202409 0.341 315.301 0.361
202412 0.348 315.605 0.368
202503 0.200 319.799 0.209
202506 0.284 322.561 0.294
202509 0.379 324.800 0.390
202512 0.357 324.054 0.368
202603 11.830 330.213 11.964
202606 -10.280 333.952 -10.280

Add all the adjusted free cash flow per share together and divide 10 will get our Cyclically Adjusted FCF per Share.

What does a Cyclically Adjusted FCF per Share of € mean?
Carter Bankshares (FRA:6NH) has a Cyclically Adjusted FCF per Share of € as of Jun. 2026. Cyclically Adjusted FCF per Share represents the company's inflation-adjusted FCF per share over a 10-year period. View historical data on Carter Bankshares and its competitors.
Is Carter Bankshares' Cyclically Adjusted FCF per Share too high?
Carter Bankshares' current Cyclically Adjusted FCF per Share is €. Overall, Carter Bankshares has a GF Score™ of 76/100, reflecting its overall financial health beyond just this single metric.
How does Carter Bankshares' Cyclically Adjusted FCF per Share compare to CCB and RCBC?
Carter Bankshares' Cyclically Adjusted FCF per Share of € can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Cyclically Adjusted FCF per Share for a Banks company?
A good Cyclically Adjusted FCF per Share depends on the Banks industry context. However, Cyclically Adjusted FCF per Share should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Cyclically Adjusted FCF per Share mean?
A high Cyclically Adjusted FCF per Share can signal that a stock is expensive relative to its fundamentals. Cyclically Adjusted FCF per Share represents the company's inflation-adjusted FCF per share over a 10-year period. View historical data on Carter Bankshares and its competitors. Carter Bankshares's current Cyclically Adjusted FCF per Share is €. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Carter Bankshares stock overvalued right now?
Carter Bankshares (FRA:6NH) has a current Cyclically Adjusted FCF per Share of €. The stock's GF Value™ is €27.91, compared to a current price of €25.00 — trading 10.4% below its estimated fair value. The current Cyclically Adjusted FCF per Share is €. Carter Bankshares' overall GF Score™ is 76/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Cyclically Adjusted FCF per Share calculated?
Cyclically Adjusted FCF per Share is calculated from a company's financial statements. For Carter Bankshares (FRA:6NH), the current Cyclically Adjusted FCF per Share is € as of Jun. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

Is Carter Bankshares (FRA:6NH) Overvalued in 2026?

Based on GuruFocus' analysis, Carter Bankshares stock appears to be undervalued. The current stock price of €25.00 is trading 10.4% below its estimated GF Value™ of €27.91.

Key valuation signals for FRA:6NH:

  • Cyclically Adjusted FCF per Share:
  • GF Value™: €27.91 vs. price of €25.00 (10.4% below fair value)
  • GF Score™: 76/100 with 5 warning signs

No single metric tells the full story. See the FRA:6NH stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.


Carter Bankshares Business Description

Other Exchanges CARE:USA
Address 1300 Kings Mountain Road, Martinsville, VA, USA, 24112
Carter Bankshares Inc is a bank holding company that conducts its business solely through the bank. The Bank earns revenue from interest on loans and securities and fees charged for financial services provided to customers. It offers a full range of deposit services including Lifetime Free Checking, interest checking accounts, savings accounts, retirement accounts and other deposit accounts of various types, ranging from money market accounts to longer-term CDs. The Bank offers a full range of commercial and consumer loans. The Bank also originates and holds fixed and variable-rate mortgage loans and offers home equity lines of credit to its customers.
76GF Score

Get the complete analysis for FRA:6NH

Cyclically Adjusted FCF per Share is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

€25.00
Price
€27.91
GF Value