- July 24, 2025: Q2 Earnings – Beat estimates dramatically, stock gained momentum
- April 2025: Previous quarter – Showed resilience despite market challenges
- January 2025: Demonstrated recovery capabilities after difficult periods
How to Buy Carter Bankshares, Inc. (CARE) Shares - Investment in Carter Bankshares, Inc. (CARE) Stock
Updated on 01 Sep 2025
Thinking about adding a resilient regional bank to your portfolio? Carter Bankshares (CARE) represents the steady heartbeat of Virginia and North Carolina banking—perfect for investors seeking stability with growth potential. With strategic acquisitions and consistent performance, this community bank offers a compelling story for 2025 and beyond.
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- 📈 Carter Bankshares Stock: Current Price and Critical Dates
- 🔍 6-Month Price Journey: From Struggle to Strength
- 🔮 Price Forecast: 2025-2030 Outlook
- ⚠️ Risk Assessment: What Could Go Wrong?
- 🛡️ What Should a Beginner Trader Do Today?
- ✅ How to Buy Carter Bankshares, Inc. (CARE) Shares – Step by Step
- 💡 Why Pocket Option Fits New Investors Perfectly
- 🌍 Carter Bankshares in 2025: Regional Banking Excellence
📈 Carter Bankshares Stock: Current Price and Critical Dates
As of September 1, 2025, Carter Bankshares, Inc. (CARE) trades at $19.46 on NASDAQ. Mark your calendar: October 23, 2025 is absolutely critical—that’s when Carter releases its Q3 earnings report.
Why October 23 Matters So Much
Historically, Carter’s earnings reports create significant price movements. Their last earnings on July 24, 2025 delivered a spectacular performance—beating EPS estimates by 32% with $0.41 actual versus $0.31 expected (Q2 2025 Results). The stock responded positively to this strong showing.
Looking back at recent earnings patterns:
The pattern is clear: when Carter beats expectations, the market rewards them generously. October 23 represents your next major opportunity to capitalize on this trend.
🔍 6-Month Price Journey: From Struggle to Strength
Carter Bankshares has navigated an impressive recovery story over the past six months:
March 2025: Challenging period with 6.69% decline as regional banking faced headwinds
April 2025: Touched 52-week low of $13.61 but showed incredible resilience
May 2025: Strong turnaround with 7.45% gain—the recovery begins
June 2025: Continued momentum with 5.41% increase, institutional interest growing
July 2025: 4.79% gain with reduced volatility indicating stability
August 2025: Current levels around $19.46, representing remarkable recovery
The overall six-month performance shows a three-month surge of +17.47% and year-to-date return of approximately 9.15% (MarketBeat Performance Data). This outperforms many regional banking peers during a period of economic uncertainty.
🔮 Price Forecast: 2025-2030 Outlook
Near-Term Projections (2025-2026)
Analysts maintain bullish sentiment with average 12-month price targets of $21.50-$22.00, representing 13-20% upside potential from current levels (ValueInvesting Analyst Consensus). The most optimistic forecasts reach $23.10.
For 2025 specifically, projections indicate EPS growth of 73.8%—extraordinary numbers that justify the bullish outlook. Revenue is expected to reach $178.20 million in 2026, a 14.34% increase from 2025 projections.
Verdict: STRONG BUY for 2025-2026
Medium-Term Outlook (2028)
While specific 2028 targets aren’t widely published, the trajectory suggests continued growth. If Carter maintains even modest 7-10% annual growth (consistent with their 2026 EPS projection of 7.6%), we could see prices in the $28-32 range by 2028.
Long-Term Vision (2030)
By 2030, successful execution of their expansion strategy could position Carter as a dominant regional player. Conservative estimates suggest $35-45 price range, while aggressive growth scenarios could push toward $50+ if acquisition strategy accelerates.
⚠️ Risk Assessment: What Could Go Wrong?
Major Risks to Consider
- Interest Rate Sensitivity: As a regional bank, Carter is highly exposed to Federal Reserve policy changes
- Credit Quality Concerns: Their large nonperforming Justice Entities credit ($235.5 million) remains a watch item
- Regional Economic Dependence: Virginia and North Carolina economic health directly impacts performance
- Competition Intensification: Larger banks expanding into their markets could pressure margins
- Regulatory Changes: Banking regulations constantly evolve, increasing compliance costs
Positive Signals for 2025
- Strategic Acquisitions: Completed purchase of two NC branches expanding footprint (Branch Acquisition News)
- Stock Buyback Program: $20 million repurchase program with $9.1 million already utilized shows confidence
- Earnings Momentum: Consistent beats demonstrate operational excellence
- Loan Portfolio Growth: 6.5% annualized growth to $3.7 billion shows healthy demand
- Deposit Stability: 2.0% annualized deposit growth provides stable funding
🛡️ What Should a Beginner Trader Do Today?
- Start Small: Begin with a position size that won’t keep you up at night—even 5-10 shares gets you in the game
- Dollar-Cost Average: Consider buying in increments around earnings dates and market dips
- Set Price Alerts: Monitor for entries below $19 for better risk-reward ratios
- Diversify Smartly: Keep CARE to 5-10% of your total portfolio for proper risk management
Humorous veteran advice: “Trading CARE is like southern barbecue—low and slow gets you the best results. Trying to rush it just burns your capital!”
✅ How to Buy Carter Bankshares, Inc. (CARE) Shares – Step by Step
| Step | Action | Why It Matters |
|---|---|---|
| 1 | Choose Your Platform | Select a broker that offers NASDAQ trading with reasonable fees |
| 2 | Fund Your Account | Start with an amount you’re comfortable risking—even $100 can begin your journey |
| 3 | Search “CARE” | Use the exact ticker symbol, not just the company name |
| 4 | Set Limit Order | Place orders at specific prices rather than market orders for better control |
| 5 | Review and Confirm | Double-check order details and fees before finalizing |
💡 Why Pocket Option Fits New Investors Perfectly
For those beginning their investment journey, Pocket Option offers exceptional advantages:
Minimum deposit of just $5 allows you to test strategies with minimal risk—perfect for learning the markets without significant financial commitment.
Lightning-fast KYC process requiring only one document means you can start trading within minutes rather than days.
Over 100 withdrawal methods including crypto, e-wallets, and traditional banking options provide unparalleled flexibility for accessing your profits.
The platform’s user-friendly interface makes navigating complex investment decisions straightforward, while educational resources help build confidence as you grow your portfolio.
🌍 Carter Bankshares in 2025: Regional Banking Excellence
Carter Bankshares operates as a $4.7 billion state-chartered community bank with 64 branches across Virginia and North Carolina (Branch Network). The bank has built its reputation on the “Home of Lifetime Free Checking” account platform, serving communities with personalized banking solutions.
Their 2025 expansion into Winston-Salem through the First Reliance Bank acquisition marks strategic growth into new markets while maintaining their community banking ethos. The company’s focus on commercial real estate lending (6.5% annualized growth) demonstrates their understanding of local economic dynamics.
Interesting Fact for 2025: Carter Bank made history by opening their first Winston-Salem branch while simultaneously becoming the only bank to offer completely free checking accounts for life in that market—a combination of growth and customer commitment that defines their strategy.
FAQ
What is the minimum investment required to buy CARE stock?
There's no set minimum—you can buy even one share, though most brokers have minimum deposit requirements rather than share minimums.
How often does Carter Bankshares pay dividends?
Carter has historically paid quarterly dividends, but investors should check recent announcements as dividend policies can change.
Is now a good time to buy CARE stock before earnings?
Many investors prefer to wait until after earnings to avoid volatility risk, though others see pre-earnings as an opportunity if they expect positive results.
What makes Carter Bankshares different from other regional banks?
Their focus on lifetime free checking accounts and strategic community presence in growing Virginia/North Carolina markets sets them apart.
How can I stay updated on CARE stock news?
Follow their investor relations page, set up news alerts for the ticker symbol, and monitor banking sector reports for broader industry context.
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