Carter BanksharesFRA:6NH +0.76%61 ROA % is 7.15% as of Mar. 2026, which is 1224% above its 10-year median of 0.54. GuruFocus rates FRA:6NH with a GF Score™ of 61/100 and a GF Value™ of €25.72 (Fairly Valued). The stock has 5 warning signs investors should review. Among 1,532 Banks companies, Carter Bankshares ranks better than 90.93% on this metric.
ROA % is calculated as Net Income divided by its average Total Assets over a certain period of time. Carter Bankshares's annualizedNet Income for the quarter that ended in Mar. 2026 was €296.7 Mil.
Carter Bankshares's average Total Assets over the quarter that ended in Mar. 2026 was €4,147.5 Mil. Therefore, Carter Bankshares's annualized ROA % for the quarter that ended in Mar. 2026 was 7.15%.
The historical rank and industry rank for Carter Bankshares's ROA % or its related term are showing as below:
FRA:6NH'
s ROA % Range Over the Past 10 Years
Min: -1.12 Med: 0.54 Max: 2.26
Current: 2.26
During the past 13 years, Carter Bankshares's highest ROA % was 2.26%. The lowest was -1.12%. And the median was 0.54%.
FRA:6NH's ROA % is ranked better than 90.93% of 1532
companies
in the Banks industry
Industry Median: 0.98
vs FRA:6NH: 2.26
Carter Bankshares (FRA:6NH) ROA % Explanation
ROA % measures the rate of return on the total assets (shareholder equity plus liabilities). It measures a firm's efficiency at generating profits from shareholders' equity plus its liabilities. ROA % shows how well a company uses what it has to generate earnings. ROA %s can vary drastically across industries. Therefore, ROA % should not be used to compare companies in different industries. For retailers, a ROA % of higher than 5% is expected. For example, Wal-Mart (WMT) has a ROA % of about 8% as of 2012. For banks, ROA % is close to their interest spread. A banks ROA % is typically well under 2%.
Similar to ROE, ROA % is affected by profit margins and asset turnover. This can be seen from the Du Pont Formula:
Note:
The Net Income data used here is four times the quarterly (Mar. 2026) net income data. The Revenue data used here is four times the quarterly (Mar. 2026) revenue data.
* 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.
Be Aware
Like ROE, ROA % is calculated with only 12 months data. Fluctuations in the company's earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective. ROA % can be affected by events such as stock buyback or issuance, and by goodwill, a company's tax rate and its interest payment. ROA % may not reflect the true earning power of the assets. A more accurate measurement is ROC % (ROC).
Many analysts argue the higher return the better. Buffett states that really high ROA % may indicate vulnerability in the durability of the competitive advantage.
E.g. Raising $43b to take on KO is impossible, but $1.7b to take on Moody's is. Although Moody's ROA % and underlying economics is far superior to Coca Cola, the durability is far weaker because of lower entry cost.
Carter Bankshares ROA % Related Terms
Carter Bankshares ROA % Historical Data
* Premium members only.
The historical data trend for Carter Bankshares's ROA % 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 ROA %, along with its competitors' market caps and ROA % 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 ROA % vs Banks Industry
For the Banks industry and Financial Services sector, Carter Bankshares's ROA % distribution charts can be found below:
* The bar in red indicates where Carter Bankshares's ROA % falls into.
* 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.
In the calculation of annual ROA %, the net income of the last fiscal year and the average total assets over the fiscal year are used. In calculating the quarterly data,
the Net Income data used here is four times the quarterly (Mar. 2026) net income data.
ROA % is displayed in the 30-year financial page.
Carter Bankshares (FRA:6NH) has a ROA % of 7.15% as of Mar. 2026. Return on assets is the ratio of current-period net income to average two-period total assets. View historical data on Carter Bankshares and its competitors. This is 1224% above median its historical median of 0.54. According to the industry distribution chart, Carter Bankshares ranks #139 out of 1532 companies in the Banks industry, placing it in the top 9.1%.
Is Carter Bankshares' ROA % too high?
Carter Bankshares' current ROA % of 7.15% is 1224% above median its 10-year median of 0.54. The Banks industry median ROA % is 0.98. Carter Bankshares' value of 7.15% is 629.6% above this industry median. Based on the distribution chart, Carter Bankshares ranks #139 out of 1532 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, Carter Bankshares has a GF Score™ of 61/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Carter Bankshares' ROA % compare to IBCP and CWBC?
According to the Banks industry distribution chart, Carter Bankshares ranks #139 out of 1532 companies for ROA %. This places Carter Bankshares in the top 9% of its industry — outperforming the majority of peers. The industry median ROA % is 0.98. Carter Bankshares' value of 7.15% is 629.6% above this benchmark. While the company's 10-year median is 0.54 vs. the industry median of 0.98, Carter Bankshares has consistently been above 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 ROA % for a Banks company?
The median ROA % among Banks companies is 0.98, based on 1,532 companies in the industry. Companies in the top quartile (top 25%) have a ROA % significantly above this median, while those in the bottom quartile fall well below. However, ROA % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Carter Bankshares's current ROA % of 7.15% is 629.6% above 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 ROA % mean?
A high ROA % can signal that a stock is expensive relative to its fundamentals. Return on assets is the ratio of current-period net income to average two-period total assets. View historical data on Carter Bankshares and its competitors. For the Banks industry, the median ROA % is 0.98 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Carter Bankshares's current ROA % is 7.15%, which is 1224% above median its own 10-year median of 0.54. 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 ROA % is 7.15%, which is 1224% above median its 10-year median of 0.54 and 629.6% above the Banks industry median of 0.98. Carter Bankshares' overall GF Score™ is 61/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is ROA % calculated?
ROA % is calculated from a company's financial statements. For Carter Bankshares (FRA:6NH), the current ROA % is 7.15% 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:
ROA %: 7.15% (1224% above median its 10-year median of 0.54)
GF Value™: €25.72 vs. price of €26.60 (3.4% above fair value)
Industry Position: 629.6% above the Banks median (#139 of 1532)
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 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.
61GF Score
Get the complete analysis for FRA:6NH
ROA % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
FRA:6NH has been successfully added to your 
