What Is Carter Bankshares, Inc. (CARE) Worth in 2026?
According to the CirclFi Deep Alpha Valuation Engine, Carter Bankshares, Inc.'s intrinsic value is estimated at a composite fair value of $61.18. At a current market price of $31.60, 9 of 12 active valuation models identify upside potential, projecting an average implied return of +93.6%. Notably, ML-RIV sees the most upside at +262.9% (fair value: $114.67), while EPV is the most conservative at -85.6% ($4.55). The spread between these extremes — +348.5% — reveals how different analytical frameworks can reach starkly different conclusions.
What Do the Models Say About CARE?
12 of 13 models are currently active for CARE. Of these, 10 models suggest upside while 2 models suggest overvaluation. The Bayesian DCF estimates CARE's intrinsic value at $54.70, implying +73.1% upside from the current price. See which stocks rank higher →
How Does CARE Rank in National Commercial Banks?
Among 90 National Commercial Banks stocks, CARE ranks #2 by Quality of Company score. CirclFi's QOC score of 9.6/10 evaluates 32 fundamental signals. A score of 9.6 places CARE in the top tier.
See all Most Undervalued National Commercial Banks Stocks →
Within the National Commercial Banks space, Carter Bankshares, Inc. competes in an environment where cost-to-income ratio often separates market leaders from laggards. Understanding these industry-specific dynamics is essential context for interpreting our model outputs.
Is CARE a Value Trap?
The Value Trap algorithm is not active for CARE. The score cross-references apparent undervaluation against fundamental deterioration signals. Browse lowest value-trap stocks →
Multi-Model Methodology
12 of 13 models are active for Carter Bankshares, Inc.. Broad coverage provides high confidence. Each model applies a fundamentally different valuation philosophy. See the complete methodology →
According to the CirclFi Quality of Company (QOC) framework, which evaluates 32 signals including margin stability, revenue growth trajectory, leverage, and free cash flow generation, Carter Bankshares, Inc. is rated at 9.6/10. This elite-tier score ranks among the highest-quality businesses in our coverage universe.
The gap between the most bullish and bearish model spans +348.5% — demonstrating why single-model analysis is dangerous. Browse all stocks with 13-model coverage →
Data Sources & Confidence
Every CARE valuation is built from SEC EDGAR XBRL filings — 700+ standardized financial tags. Macroeconomic context from FRED calibrates discount rates, while GDELT news sentiment feeds into our Sentiment SOTP model. All pipelines run daily. Read the complete data methodology →
Across CARE's 12 active models, average confidence is 35%. Lower confidence may reflect limited history or high volatility.
CirclFi's output is a research starting point, not a buy/sell signal. All data updates daily. Read the full methodology →
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