CARE (Carter Bankshares) ROC %: % (As of Mar. 2026)

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Director of Data and Quant Analytics at GuruFocus
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Founder & CEO of GuruFocus
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.

CARE Carter Bankshares Inc CARE
76 GF Score
Price $33.89
GF Value $35.04
Valuation Fairly Valued
! 6 Warning Signs
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What is Carter Bankshares ROC %?

Carter Bankshares CARE -3.45% 76 ROC % is % as of Mar. 2026. GuruFocus rates CARE with a GF Score™ of 76/100 and a GF Value™ of $35.04 (Fairly Valued). The stock has 6 warning signs investors should review.

ROC %does not apply to banks.

CARE
76GF Score
Carter Bankshares Inc CARE
ROC % is just one metric. See GF Score™, valuation, warning signs, and more.
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Frequently Asked Questions Learn more about ROC % →
What does a ROC % of % mean?
Carter Bankshares (CARE) has a ROC % of % as of Mar. 2026. Return on capital is the ratio of current-period net income to average two-period capital. View historical data on Carter Bankshares and its competitors.
Is Carter Bankshares' ROC % too high?
Carter Bankshares' current ROC % is %. Overall, Carter Bankshares has a GF Score™ of 76/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Carter Bankshares' ROC % compare to IBCP and WASH?
Carter Bankshares' ROC % of % can be compared against companies in the Banks industry. The industry median ROC % is 1.76. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good ROC % for a Banks company?
The median ROC % among Banks companies is 1.76, based on 47 companies in the industry. Companies in the top quartile (top 25%) have a ROC % significantly above this median, while those in the bottom quartile fall well below. However, ROC % 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 ROC % mean?
A high ROC % can signal that a stock is expensive relative to its fundamentals. Return on capital is the ratio of current-period net income to average two-period capital. View historical data on Carter Bankshares and its competitors. For the Banks industry, the median ROC % is 1.76 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Carter Bankshares's current ROC % 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?
Based on GuruFocus' analysis, Carter Bankshares (CARE) is currently considered Fairly Valued. The stock's GF Value™ is $35.04, compared to a current price of $33.89 — trading 3.3% below its estimated fair value. The current ROC % is %. Carter Bankshares' overall GF Score™ is 76/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is ROC % calculated?
ROC % is calculated from a company's financial statements. For Carter Bankshares (CARE), the current ROC % is % 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 (CARE) Overvalued in 2026?

Based on GuruFocus' analysis, Carter Bankshares stock appears to be undervalued. The current stock price of $33.89 is trading 3.3% below its estimated GF Value™ of $35.04. GuruFocus considers Carter Bankshares to be Fairly Valued.

Key valuation signals for CARE:

  • ROC %: %
  • GF Value™: $35.04 vs. price of $33.89 (3.3% below fair value)
  • GF Score™: 76/100 with 6 warning signs

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 Business Description

Other Exchanges 6NH:Germany
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

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

$33.89
Price
$35.04
GF Value