Carter BanksharesCARE +0.71%64 EV-to-FCF is 2.05 as of Jul. 12, 2026, which is 74% below its 10-year median of 7.87. GuruFocus rates CARE with a GF Score™ of 64/100 and a GF Value™ of $30.19 (Fairly Valued). The stock has 5 warning signs investors should review. Among 1,199 Banks companies, Carter Bankshares ranks better than 70.64% on this metric.
EV-to-FCF is calculated as enterprise value divided by its free cash flow. As of today, Carter Bankshares's Enterprise Value is $674.0 Mil.
Carter Bankshares's Free Cash Flow for the trailing twelve months (TTM) ended in Mar. 2026 was $329.3 Mil. Therefore, Carter Bankshares's EV-to-FCF for today is 2.05.
The historical rank and industry rank for Carter Bankshares's EV-to-FCF or its related term are showing as below:
CARE'
s EV-to-FCF Range Over the Past 10 Years
Min: -72.7 Med: 7.87 Max: 49.66
Current: 2.05
During the past 13 years, the highest EV-to-FCF of Carter Bankshares was 49.66. The lowest was -72.70. And the median was 7.87.
CARE's EV-to-FCF is ranked better than 70.64% of 1199
companies
in the Banks industry
Industry Median: 6.56
vs CARE: 2.05
EV-to-FCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
Carter Bankshares (NAS:CARE) EV-to-FCF Explanation
EV-to-FCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
Carter Bankshares's PE Ratio (TTM) for today is calculated as:
Carter Bankshares's share price for today is $32.57.
Carter Bankshares's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $4.870.
* 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.
Enterprise Value is used because it is a more complete measure in reflecting how much an investor pays when buying a company. Free Cash Flow is an important financial metric because it represents the actual amount of cash at a company's disposal. Companies with a low EV-to-FCF ratio, combined with a strong balance sheet are generally considered as undervalued.
Carter Bankshares EV-to-FCF Related Terms
Carter Bankshares EV-to-FCF Historical Data
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The historical data trend for Carter Bankshares's EV-to-FCF 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.
For the Banks - Regional subindustry, Carter Bankshares's EV-to-FCF, along with its competitors' market caps and EV-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 EV-to-FCF vs Banks Industry
For the Banks industry and Financial Services sector, Carter Bankshares's EV-to-FCF distribution charts can be found below:
* The bar in red indicates where Carter Bankshares's EV-to-FCF falls into.
Carter Bankshares's current Enterprise Value is $674.0 Mil.
Carter Bankshares's Free Cash Flow for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $329.3 Mil.
* 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 (CARE) has a EV-to-FCF of 2.05 as of Jul. 12, 2026. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on Carter Bankshares and its competitors. This is 74% below median its historical median of 7.87. According to the industry distribution chart, Carter Bankshares ranks #352 out of 1199 companies in the Banks industry, placing it in the top 29.4%.
Is Carter Bankshares' EV-to-FCF too high?
Carter Bankshares' current EV-to-FCF of 2.05 is 74% below median its 10-year median of 7.87. The Banks industry median EV-to-FCF is 6.56. Carter Bankshares' value of 2.05 is 68.8% below this industry median. Based on the distribution chart, Carter Bankshares ranks #352 out of 1199 companies in the Banks industry, which is above the industry midpoint. Overall, Carter Bankshares has a GF Score™ of 64/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Carter Bankshares' EV-to-FCF compare to IBCP and CWBC?
According to the Banks industry distribution chart, Carter Bankshares ranks #352 out of 1199 companies for EV-to-FCF. This puts Carter Bankshares in the upper half of its industry. The industry median EV-to-FCF is 6.56. Carter Bankshares' value of 2.05 is 68.8% below this benchmark. While the company's 10-year median is 7.87 vs. the industry median of 6.56, Carter Bankshares has consistently been below the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good EV-to-FCF for a Banks company?
The median EV-to-FCF among Banks companies is 6.56, based on 1,199 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-FCF significantly above this median, while those in the bottom quartile fall well below. However, EV-to-FCF should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Carter Bankshares's current EV-to-FCF of 2.05 is 68.8% below the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high EV-to-FCF mean?
A high EV-to-FCF can signal that a stock is expensive relative to its fundamentals. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on Carter Bankshares and its competitors. For the Banks industry, the median EV-to-FCF is 6.56 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Carter Bankshares's current EV-to-FCF is 2.05, which is 74% below median its own 10-year median of 7.87. 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 (CARE) is currently considered Fairly Valued. The stock's GF Value™ is $30.19, compared to a current price of $32.57 — trading 7.9% above its estimated fair value. The current EV-to-FCF is 2.05, which is 74% below median its 10-year median of 7.87 and 68.8% below the Banks industry median of 6.56. Carter Bankshares' overall GF Score™ is 64/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is EV-to-FCF calculated?
EV-to-FCF is calculated from a company's financial statements. For Carter Bankshares (CARE), the current EV-to-FCF is 2.05 as of Jul. 12, 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 (CARE) Overvalued in 2026?
Based on GuruFocus' analysis, Carter Bankshares stock appears to be overvalued.
The current stock price of $32.57 is trading 7.9% above its estimated GF Value™ of $30.19.
GuruFocus considers Carter Bankshares to be Fairly Valued.
Key valuation signals for CARE:
EV-to-FCF: 2.05 (74% below median its 10-year median of 7.87)
GF Value™: $30.19 vs. price of $32.57 (7.9% above fair value)
Industry Position: 68.8% below the Banks median (#352 of 1199)
No single metric tells the full story. See the CARE stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
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.
64GF Score
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