Carter Bankshares (FRA:6NH) E10: €0.96 (As of Mar. 2026)


FRA:6NH Carter Bankshares Inc FRA:6NH
65 GF Score
Price €26.60
GF Value €25.72
Valuation Fairly Valued
! 5 Warning Signs
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What is Carter Bankshares E10?

Carter Bankshares FRA:6NH +0.76% 65 E10 is €0.96 as of Mar. 2026. GuruFocus rates FRA:6NH with a GF Score™ of 65/100 and a GF Value™ of €25.72 (Fairly Valued). The stock has 5 warning signs investors should review.

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller P/E calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years.

Carter Bankshares's adjusted earnings per share data for the three months ended in Mar. 2026 was €3.356. Add all the adjusted EPS for the past 10 years together and divide 10 will get our e10, which is €0.96 for the trailing ten years ended in Mar. 2026.

During the past 12 months, Carter Bankshares's average E10 Growth Rate was 37.80% per year. During the past 3 years, the average E10 Growth Rate was -3.20% per year. During the past 5 years, the average E10 Growth Rate was 3.40% 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 E10 growth rate using E10 data.

During the past 13 years, the highest 3-Year average E10 Growth Rate of Carter Bankshares was 9.90% per year. The lowest was -3.20% per year. And the median was 2.60% per year.

As of today (2026-07-12), Carter Bankshares's current stock price is €26.60. Carter Bankshares's E10 for the quarter that ended in Mar. 2026 was €0.96. Carter Bankshares's Shiller PE Ratio of today is 27.71.

During the past 13 years, the highest Shiller PE Ratio of Carter Bankshares was 29.73. The lowest was 12.22. And the median was 20.33.


Carter Bankshares  (FRA:6NH) E10 Explanation

If a company grows much fast than inflation, E10 may underestimate the company's earnings power. Shiller PE Ratio can seem to be too high even the actual P/E is low.

For the Shiller P/E, the earnings of the past 10 years are inflation-adjusted and averaged. The result is used for P/E calculation. Since it looks at the average over the last 10 years, the Shiller P/E is also called PE10.

The Shiller P/E was first used by professor Robert Shiller to measure the valuation of the overall market. The same calculation is applied here to individual companies.

Carter Bankshares's Shiller P/E Ratio of today is calculated as

Shiller PE Ratio=Share Price/E10
=26.60/0.96
=27.71

* 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.

During the past 13 years, the highest Shiller P/E Ratio of Carter Bankshares was 29.73. The lowest was 12.22. And the median was 20.33.


Be Aware

Shiller PE Ratio works better for cyclical companies. It gives you a better idea on the company's real earnings power.


Carter Bankshares E10 Related Terms


Carter Bankshares E10 Historical Data

* Premium members only.

The historical data trend for Carter Bankshares's E10 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 E10 Chart

Carter Bankshares Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
E10
Get a 7-Day Free Trial Premium Member Only Premium Member Only 0.64 0.79 0.77 0.74 0.63

Carter Bankshares Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
E10 Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 0.76 0.67 0.68 0.63 0.96

FRA:6NH vs IBCP, CWBC, FISI: E10 Comparison

For the Banks - Regional subindustry, Carter Bankshares's Shiller PE Ratio, along with its competitors' market caps and Shiller PE Ratio 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 Shiller PE Ratio vs Banks Industry

For the Banks industry and Financial Services sector, Carter Bankshares's Shiller PE Ratio distribution charts can be found below:

* The bar in red indicates where Carter Bankshares's Shiller PE Ratio falls into.


FRA:6NH
65GF Score
Carter Bankshares Inc FRA:6NH
E10 is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Carter Bankshares E10 Calculation

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller P/E calculation. When we calculate the today's Shiller P/E ratio of a stock, we use today's price divided by E10.

What is E10? How do we calculate E10?

E10 is the average of the inflation adjusted earnings of a company over the past 10 years. Let's use an example to explain.

If we want to calculate the E10 of Wal-Mart (WMT) for Dec. 31, 2010, we need to have the inflation data and the earnings from 2001 through 2010.

We adjusted the earnings of 2001 earnings data with the total inflation from 2001 through 2010 to the equivalent earnings in 2010. If the total inflation from 2001 to 2010 is 40%, and Wal-Mart earned $1 a share in 2001, then the 2001's equivalent earnings in 2010 is $1.4 a share. If Wal-Mart earns $1 again in 2002, and the total inflation from 2002 through 2010 is 35%, then the equivalent 2002 earnings in 2010 is $1.35. So on and so forth, you get the equivalent earnings of past 10 years. Then you add them together and divided the sum by 10 to get E10.

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 earnings per share data for the three months ended in Mar. 2026 was:

Adj_EPS= Earnings per Share (Diluted) /CPI of Mar. 2026 (Change)*Current CPI (Mar. 2026)
=3.356/330.2130*330.2130
=3.356

Current CPI (Mar. 2026) = 330.2130.

Carter Bankshares Quarterly Data

per share eps CPI Adj_EPS
201606 0.214 241.018 0.293
201609 0.178 241.428 0.243
201612 -0.142 241.432 -0.194
201703 0.224 243.801 0.303
201706 -0.053 244.955 -0.071
201709 -0.017 246.819 -0.023
201712 -0.169 246.524 -0.226
201803 0.276 249.554 0.365
201806 0.231 251.989 0.303
201809 -0.249 252.439 -0.326
201812 0.114 251.233 0.150
201903 0.257 254.202 0.334
201906 0.266 256.143 0.343
201909 0.263 256.759 0.338
201912 0.126 256.974 0.162
202003 0.154 258.115 0.197
202006 0.151 257.797 0.193
202009 -1.859 260.280 -2.358
202012 0.090 260.474 0.114
202103 0.302 264.877 0.376
202106 0.174 271.696 0.211
202109 0.357 274.310 0.430
202112 0.186 278.802 0.220
202203 0.327 287.504 0.376
202206 0.416 296.311 0.464
202209 0.596 296.808 0.663
202212 0.614 296.797 0.683
202303 0.626 301.836 0.685
202306 0.222 305.109 0.240
202309 0.150 307.789 0.161
202312 -0.073 306.746 -0.079
202403 0.230 312.332 0.243
202406 0.195 314.175 0.205
202409 0.216 315.301 0.226
202412 0.344 315.605 0.360
202503 0.361 319.799 0.373
202506 0.321 322.561 0.329
202509 0.204 324.800 0.207
202512 0.325 324.054 0.331
202603 3.356 330.213 3.356

Add all the adjusted EPS together and divide 10 will get our e10.

Frequently Asked Questions Learn more about E10 →
What does a E10 of €0.96 mean?
Carter Bankshares (FRA:6NH) has a E10 of €0.96 as of Mar. 2026. E10 represents the company's inflation-adjusted earnings per share over a 10-year period. View historical data on Carter Bankshares and its competitors.
Is Carter Bankshares' E10 too high?
Carter Bankshares' current E10 is €0.96. Overall, Carter Bankshares has a GF Score™ of 65/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Carter Bankshares' E10 compare to IBCP and CWBC?
Carter Bankshares' E10 of €0.96 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 E10 for a Banks company?
A good E10 depends on the Banks industry context. However, E10 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 E10 mean?
A high E10 can signal that a stock is expensive relative to its fundamentals. E10 represents the company's inflation-adjusted earnings per share over a 10-year period. View historical data on Carter Bankshares and its competitors. Carter Bankshares's current E10 is €0.96. 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?
Based on GuruFocus' analysis, Carter Bankshares (FRA:6NH) is currently considered Fairly Valued. The stock's GF Value™ is €25.72, compared to a current price of €26.60 — trading 3.4% above its estimated fair value. The current E10 is €0.96. Carter Bankshares' overall GF Score™ is 65/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is E10 calculated?
E10 is calculated from a company's financial statements. For Carter Bankshares (FRA:6NH), the current E10 is €0.96 as of Mar. 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 overvalued. The current stock price of €26.60 is trading 3.4% above its estimated GF Value™ of €25.72. GuruFocus considers Carter Bankshares to be Fairly Valued.

Key valuation signals for FRA:6NH:

  • E10: €0.96
  • GF Value™: €25.72 vs. price of €26.60 (3.4% above fair value)
  • GF Score™: 65/100 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.
65GF Score

Get the complete analysis for FRA:6NH

E10 is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

€26.60
Price
€25.72
GF Value