Carter Bankshares (CARE) Stock: Buy, Sell, or Hold?
CARE - Carter Bankshares, Inc. Common Stock
$30.70
0.33 (1.09%)
▲
5d:
+1.29%
30d:
+2.57%
90d:
-9.73%
BUY
HIGH Confidence
Analysis Updated: Oct 22, 2026 12:00 AM ET
Earnings: Oct 22, 2026
0d
Get Alerted When CARE Hits Your Target Price
Join 10,000+ traders who never miss a move
You're in! Check your email to confirm and set your target price.
100% Free
No spam, ever
Unsubscribe anytime
Interactive Price Chart (1 Month)
Loading chart...
Loading historical data...
Bottom Line:
🚀 STRONG BUY: CARE shows excellent value with unusually cheap options (IV 10th percentile) and market pricing in only 4.1% annual growth despite strong fundamentals. High conviction opportunity.
🚀 STRONG BUY: CARE shows excellent value with unusually cheap options (IV 10th percentile) and market pricing in only 4.1% annual growth despite strong fundamentals. High conviction opportunity.
Long-Term Wealth Forecast (2031)
Based on Analyst Consensus Growth & Historical Valuation
0% (Stagnation)
50% (Hyper Growth)
EST. PRICE IN 2031
$5.10
Based on -25.5% avg growth
INTRINSIC VALUE TODAY
$3.17
Trading above historical range
How this is calculated: We use a Growth Decay Model: starting with analyst consensus growth (adjusted above) and gradually slowing it down to a long-term terminal rate (4%) by Year 5. This provides a more realistic valuation than assuming constant hyper-growth. We then apply a 10.5x Exit PE.
In-depth Analysis How we analyze
Valuation Analysis: CARE is currently trading at $30.70, which is considered slightly high relative to its 30-day fair value range of $29.99 to $30.70. From a valuation perspective, the stock is trading at a premium (Forward PE: 11.8) compared to its historical average (10.5). At these levels, the market is pricing in 4.1% annual earnings growth. This growth rate appears achievable given the company's track record, suggesting the valuation is rational.
Technical Outlook: Technically, CARE is showing sideways momentum. The price is approaching resistance at $30.89. A breakout above this level would be a bullish signal, while rejection here could lead to consolidation.
Market Sentiment: CARE scores 73/100 on our bottoming-setup gauge — the chart has corrected and is stabilizing (RSI reset, momentum turning up), historically a favorable entry zone. In the options market, Implied Volatility is low (10th percentile), suggesting options premiums are relatively cheap. This makes it an attractive time for long options strategies if you have a directional bias. Wall Street analysts see significant upside, with an average price target of $35.08 (+14.3%). Combining these factors, the current setup offers a favorable risk/reward ratio for buyers.
Technical Outlook: Technically, CARE is showing sideways momentum. The price is approaching resistance at $30.89. A breakout above this level would be a bullish signal, while rejection here could lead to consolidation.
Market Sentiment: CARE scores 73/100 on our bottoming-setup gauge — the chart has corrected and is stabilizing (RSI reset, momentum turning up), historically a favorable entry zone. In the options market, Implied Volatility is low (10th percentile), suggesting options premiums are relatively cheap. This makes it an attractive time for long options strategies if you have a directional bias. Wall Street analysts see significant upside, with an average price target of $35.08 (+14.3%). Combining these factors, the current setup offers a favorable risk/reward ratio for buyers.
Quick Decision Summary
Current Position
SLIGHTLY HIGH
Historical Trading Range
$29.99 -
$30.70
Company Quality Score
64/100
(BUY)
Options IV Signal
10th percentile
(LOW)
Volume Confirmation
HIGH
Confidence Score
79.6%
All Signals
- BULLISH: Options cheap (IV 10th percentile)
- BULLISH: Strong technical setup (73/100)
- BULLISH: High volume confirmation
- BULLISH: Trading below Wall St target ($35.08)
- NEUTRAL: Market pricing in 4.1% annual earnings growth - fairly valued
- BULLISH: Bottoming setup score 73/100 — corrected, stabilizing, and turning up
Trading Range Analysis
30-Day Trading Range
$29.99 -
$30.70
Current vs Trading Range
SLIGHTLY HIGH
Expected Move (7 Days)
±$1.95
(6.4%)
Support & Resistance Levels
Support Level
$29.65
Resistance Level
$30.89
Current Trend
Sideways
Technical data as of
Oct 22, 2026
Fundamental Context
Forward P/E (Next Year Est.)
11.81
Wall Street Target
$35.08
(+14.3%)
Revenue Growth (YoY)
68.3%
Earnings Growth (YoY)
253.9%
Profit Margin
44.9%
Valuation Premium vs History
+4.1% premium
PE vs Historical
11.8 vs 10.5
FAIR
Market-Implied Price Targets
If current PE multiple persists
Implied Growth (YoY):
+4.1%
(market-implied from PE analysis)
1-Year Target
$31.96
(+4%)
2-Year Target
$33.27
(+8%)
3-Year Target
$34.63
(+13%)
3-Yr Target (if PE normalizes)
(PE: 12→11)
PE COMPRESSION
$30.80
(+0%)
Earnings growth offset by PE compression
3-Year Scenarios
Using analyst projected EPS growth
Bull:
(PE: 19.9, Growth: -54.9%)
$37.64
(+23%)
Base:
(SPY PE: 11.8, Growth: -54.9%)
$22.38
(-27%)
Bear:
(PE: 10.0, Growth: -54.9%)
$19.02
(-38%)
📈
Valuation based on Current Earnings
Trailing PE: 5.21 | Current EPS (TTM): $5.83
Bull Case
$16.70
(-46%)
Analyst growth -50.0%, PE expands to 5.7
Base Case
$15.19
(-51%)
Market implied -50.0%, PE stable at 5.2
Bear Case
$20.65
(-33%)
Severe decline -20.0%, PE contracts to 4.4
These are projections based on PE multiples and EPS growth scenarios, not predictions. Actual results may vary significantly.
Share & Embed Analysis
Last updated: October 22, 2026 9:41 PM ET
Data refreshes hourly during market hours. Next update: 10:41 PM
Data refreshes hourly during market hours. Next update: 10:41 PM
🔥 Top Stocks Breaking Out Now
| Ticker | Score | Recommendation | Change % |
|---|
Technical Signals Check
Is CARE showing a specific setup today?
Insider Activity (6 Months)
0
Buys
0
Sells
0
Net
NEUTRAL
Top Rated Banks - Regional Stocks
Top-rated stocks in Banks - Regional by analyst ratings.
| Stock | Analyst Consensus | Analyst Target | Tradestie Score |
|---|---|---|---|
|
FITB
Fifth Third Bancorp |
STRONG BUY
22 analysts |
$62 | 67 BUY |
|
PNC
PNC Financial Services G… |
BUY
23 analysts |
$266 | 68 BUY |
|
KEY
KeyCorp |
BUY
20 analysts |
$25 | 64 BUY |
|
UMBF
UMB Financial Corporation |
STRONG BUY
16 analysts |
$164 | 57 HOLD |
|
FBK
FB Financial Corp |
STRONG BUY
8 analysts |
$63 | 63 BUY |
Advanced CARE Option Strategies
Professional options setups generated by AI based on today's CARE price and gamma walls.
