CARE
Carter Bankshares, Inc. Common Stock
NATIONAL COMMERCIAL BANKS
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Carter Bankshares (CARE) Stock: Buy, Sell, or Hold?
$29.22
-0.26 (-0.88%)
âŧ
5d:
-0.14%
30d:
-3.21%
90d:
-10.59%
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70/30 Portfolio Builder
Earnings: Oct 29, 2026
0d
Protect CARE Gains
Updated Nov 11, 12:00 AM ET
QUANTITATIVE VERDICT
WAIT
LOW Confidence (91%)
Quality Score
50/100
Position
SLIGHTLY LOW
30-Day Fair Range
$29.21 â $30.56
Position: SLIGHTLY LOW
Forward P/E & Valuation
11.7x
FAIR
vs 10.5x historical avg
Wall Street Target
$34.08
+16.6% upside
Options IV & Volume
HIGH Vol
HIGH volume confirmation
Support / Resistance
$28.27 / $30.22
Trend: Strong Downtrend
Executive Thesis & Bottom Line
Forward Earnings Fair Value & Price Prediction →
âšī¸ NEUTRAL: CARE is fairly priced but lacks strong directional signals. At 3.5% expected growth, valuation appears fair. Wait for clearer setup or better entry on dips.
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Interactive Price Chart (1 Month)
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Long-Term Wealth Forecast (2031)
Based on Analyst Consensus Growth & Historical Valuation
0% (Stagnation)
50% (Hyper Growth)
EST. PRICE IN 2031
$6.41
Based on -22.3% avg growth
INTRINSIC VALUE TODAY
$3.98
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 $29.22, which is considered slightly low relative to its 30-day fair value range of $29.21 to $30.56. From a valuation perspective, the stock is trading at a premium (Forward PE: 11.7) compared to its historical average (10.5). At these levels, the market is pricing in 3.5% annual earnings growth. This growth rate appears achievable given the company's track record, suggesting the valuation is rational.
Technical Outlook: Technically, CARE is in a strong downtrend. Immediate support is located at $28.27, while resistance sits at $30.22.
Market Sentiment: CARE scores 70/100 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 (0th 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 $34.08 (+16.6%). Current signals suggest waiting for a better entry point before initiating new positions.
Technical Outlook: Technically, CARE is in a strong downtrend. Immediate support is located at $28.27, while resistance sits at $30.22.
Market Sentiment: CARE scores 70/100 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 (0th 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 $34.08 (+16.6%). Current signals suggest waiting for a better entry point before initiating new positions.
Quick Decision Summary
Current Position
SLIGHTLY LOW
Historical Trading Range
$29.21 -
$30.56
Company Quality Score
50/100
(HOLD)
Volume Confirmation
HIGH
Confidence Score
91.2%
Trading Range & Key Levels
30-Day Trading Range
$29.21 -
$30.56
Current vs Trading Range
SLIGHTLY LOW
Expected Move (7 Days)
Âą$0.99
(3.4%)
Support Level
$28.27
Resistance Level
$30.22
Current Trend
Strong Downtrend
Technical data as of
Nov 11, 2026
Protect Your Profits
Holding CARE? Use our AI-powered strategies to protect your downside while keeping your long-term position.
View Profit Protection PlanQuantitative Signal Breakdown
- BULLISH: Price oversold vs 30-day range
- BULLISH: Options cheap (IV 0th percentile)
- BULLISH: Strong technical setup (70/100)
- BULLISH: High volume confirmation
- BULLISH: Trading below Wall St target ($34.08)
- NEUTRAL: Market pricing in 3.5% annual earnings growth - fairly valued
- WARNING: Composite score 50/100 in the bottom quintile â this cohort historically lags the market
Fundamental Context
Forward P/E (Next Year Est.)
11.66
Wall Street Target
$34.08
(+16.6%)
Revenue Growth (YoY)
0.1%
Earnings Growth (YoY)
45.8%
Profit Margin
45.7%
Valuation Premium vs History
+3.5% premium
PE vs Historical
11.7 vs 10.5
FAIR
Market-Implied Price Targets
If current PE multiple persists
Implied Growth (YoY):
+3.5%
(market-implied from PE analysis)
1-Year Target
$30.24
(+4%)
2-Year Target
$31.30
(+7%)
3-Year Target
$32.40
(+11%)
3-Yr Target (if PE normalizes)
(PE: 12â11)
PE COMPRESSION
$29.16
(0%)
Earnings growth offset by PE compression
3-Year Scenarios
Using analyst projected EPS growth
Bull:
(PE: 19.9, Growth: -48.6%)
$36.27
(+24%)
Base:
(SPY PE: 11.7, Growth: -48.6%)
$21.30
(-27%)
Bear:
(PE: 9.9, Growth: -48.6%)
$18.11
(-38%)
đ
Valuation based on Current Earnings
Trailing PE: 4.99 | Current EPS (TTM): $5.91
Bull Case
$16.21
(-45%)
Analyst growth -50.0%, PE expands to 5.5
Base Case
$14.74
(-50%)
Market implied -50.0%, PE stable at 5.0
Bear Case
$20.05
(-31%)
Severe decline -20.0%, PE contracts to 4.2
These are projections based on PE multiples and EPS growth scenarios, not predictions. Actual results may vary significantly.
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bloggers & journalists: you are free to use our charts with attribution.Reddit & Retail Trader Sentiment (CARE)
Bearish
2 Retail Mentions
Reddit / WSB Comments
1
Bearish
StockTwits Volume
1 msgs
24h retail stream
Last Tracked
Oct 14, 2026
Daily AI digest
AI Retail Discussion Summary:
A bullish financial analyst on StockTwits expresses strong optimism towards $CARE, highlighting exceptional EPS growth over the last three quarters.
Key Retail Themes:
Exceptional EPS growth
Aggregated from r/wallstreetbets, r/stocks & StockTwits streams.
View All Trending Reddit & WSB Stocks →
Last updated: November 12, 2026 7:48 AM ET
Data refreshes hourly during market hours. Next update: 8:48 AM
Data refreshes hourly during market hours. Next update: 8:48 AM
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Insider Activity (6 Months)
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Advanced CARE Option Strategies
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