OakChart

Carter Bankshares Inc

CAREFinancial·Banks - Regional·USA·Small·NASD·Nov 11 • 6:41 AM ET

29.54+0.06 (0.19%)
2026-11-11 14:22 CET
Market cap
647.68 USD m
Revenue, TTM
- USD m
Net income, TTM
129.21 USD m
Free cash flow, TTM
48.48 USD m
EPS diluted, TTM
5.92
P/E
4.99
Compare

Price

CARE against its 20, 50 and 200-day averages
2050200miss
20.0025.0030.0035.00628K1.3MMay 26Jun 26Jul 26Aug 26Sep 26Oct 26Nov 26CAREclose 29.5420-day 29.7450-day 30.29200-day 27.8229.54

18.1% under 36.06 on 4 Aug 2026. Last 15 sessions, 9.8% high to low

Profile

CARE
52-week range, 66% of the way up
16.8636.06

Carter Bankshares, Inc. is a financial holding company, which engages in the provision of retail and commercial banking products and services, mortgage services, and insurance products . The company was founded by Worth Harris Carter, Jr. in 1974 and is headquartered in Martinsville, VA.

IndexRUT
Employees687
IPOFeb 28, 2007
Beta0.59
ATR, 14d0.71
Rel volume0.00
Short float11.47%
Insider own4.49%
Inst own68.20%

Snapshot

6 groups

Valuation

IndexRUT
Market Cap648.89M
Enterprise Value-
Income129.21M
Sales351.97M
Book/sh23.85
Cash/sh-
Dividend Est.0.20 (0.68%)
Dividend TTM0.30 (1.02%)
Dividend Ex-DateNov 09, 2026
Dividend Gr. 3/5Y- -
Payout0.00%
Employees687
IPOFeb 28, 2007

Ratios

P/E4.99
Forward P/E11.89
PEG0.43
P/S1.84
P/B1.24
P/C-
P/FCF13.38
EV/EBITDA-
EV/Sales-
Quick Ratio-
Current Ratio0.05
Debt/Eq0.04
LT Debt/Eq0.04
Option/ShortYes / Yes

Earnings

EPS (ttm)5.92
EPS next Y2.48
EPS next Q0.56
EPS this Y338.13%
EPS next Y-59.22%
EPS next 5Y27.39%
EPS past 3/5Y-12.00% -
Sales past 3/5Y11.95% 8.92%
EPS Y/Y TTM336.50%
Sales Y/Y TTM39.69%
EPS Q/Q45.92%
Sales Q/Q3.92%
EarningsOct 29 BMO
EPS/Sales Surpr.-35.05% -2.06%

Ownership

Insider Own4.49%
Insider Trans-1.05%
Inst Own68.20%
Inst Trans10.98%
ROA2.70%
ROE27.50%
ROIC23.63%
Gross Margin-
Oper. Margin46.80%
Profit Margin36.71%
SMA20-0.68%
SMA50-2.48%
SMA2006.15%
Trades-

Technical

Shs Outstand22.09M
Shs Float20.98M
Short Float11.47%
Short Ratio9.91
Short Interest2.41M
52W High36.06 -18.09%
52W Low16.86 75.18%
Volatility2.86% 2.42%
ATR (14)0.71
RSI (14)47.32
Beta0.59
Rel Volume0.00
Avg Volume242.89K
Volume4

Performance

Perf Week0.94%
Perf Month-2.17%
Perf Quarter-9.62%
Perf Half Y11.03%
Perf YTD50.23%
Perf Year68.00%
Perf 3Y150.72%
Perf 5Y82.20%
Perf 10Y137.03%
Recom2.50
Target Price34.08
Prev Close29.48
Price29.54
Change %0.19%

Analyst ratings

latest 10 of 13
DateActionAnalystRating changeTargetImplied
Jul 27, 2026ReiteratedHHovde GroupMarket Perform$30 → $34.50+16.8%
Jul 01, 2026DowngradeRRaymond JamesOutperform → Mkt Perform
Jun 03, 2026DowngradeHHovde GroupOutperform → Market Perform$30+1.6%
Apr 24, 2026ReiteratedHHovde GroupOutperform$27 → $28-5.2%
Oct 02, 2024InitiatedHHovde GroupOutperform$22-25.5%
May 01, 2023UpgradeRRaymond JamesMkt Perform → Outperform$17-42.4%
Apr 06, 2023ResumedRRaymond JamesMkt Perform
Dec 05, 2022ResumedPPiper SandlerNeutral$19-35.7%
Oct 06, 2022DowngradeDDA DavidsonBuy → Neutral$17.50 → $18.50-37.4%
Jul 07, 2022UpgradeRRaymond JamesMkt Perform → Outperform$16-45.8%

Peers

Mkt cap
TickerCompanyMkt cap
FCBCFirst Community Bankshares Inc860.48M
HTBHomeTrust Bancshares Inc752.23M
BRBSBlue Ridge Bankshares Inc (VA)362.32M
NKSHNational Bankshares Inc254.19M
BHRBBurke & Herbert Financial Services Corp1.43B
BOTJBank of the James Financial Group Inc116.63M
CFFIC & F Financial Corp350.00M
CHCOCity Holding Co2.01B
FBNCFirst Bancorp2.69B
TOWNTownebank Portsmouth VA3.36B

Insider trading

6 filings
InsiderRelationshipDateTransactionCostSharesValueTotal heldForm
Midkiff Catharine L.DirectorSep 11 '26Sale31.251,00031,25016,856Sep 11 02:49 PM
Bolton Robert M.DirectorJul 30 '26Sale34.601,50051,90055,000Jul 30 01:46 PM
Langs Bradford N.PRESIDENT, CHIEF STRATEGY OFCRJul 30 '26Sale34.542,50086,34033,242Jul 30 12:31 PM
Langs Bradford N.PRESIDENT, CHIEF STRATEGY OFCRMay 12 '26Sale26.475,500145,55827,093May 12 11:09 AM
Walsh Elizabeth L.DirectorMay 06 '26Buy26.204,575119,86558,753May 07 09:24 AM
Haskins James W.DirectorMay 05 '26Sale26.041,00026,04062,702May 06 12:27 PM

Held by

AUM
TickerCompanyAUM
AVUVAvantis U.S. Small Cap Value ETFAUM: 32.40B
VTIVanguard Morningstar Total Stock Market ETFAUM: 689.41B
IWMiShares Russell 2000 Index FundAUM: 78.30B
KREState Street SPDR S&P Regional Banking ETFAUM: 4.28B
DFSVUS Small Cap Value Portfolio ETF Class SharesAUM: 8.54B
DFATU.S. Targeted Value Portfolio-ETF Class SharesAUM: 14.50B
FESMFidelity Enhanced Small Cap Core ETFAUM: 6.85B
VXFVanguard Extended Market Index ETFAUM: 30.61B
IWNiShares Russell 2000 Value ETFAUM: 14.17B
DFASU.S. Small Cap Portfolio-ETF Class SharesAUM: 15.57B

News

latest 14 of 206
  • Carter Bank Expands Mortgage Lending Team with New Loan Officers (Business Wire)
  • Carter Bankshares, Inc. Declares Quarterly Dividend (ACCESSWIRE)
  • Carter Bankshares, Inc. Announces Third Quarter 2026 Financial Results (ACCESSWIRE)
  • CEO Litz Van Dyke Reflects on 10 Years with Carter Bank (ACCESSWIRE)
  • Carter Bank Strengthens Raleigh Presence with Commercial Banking Leader Kevin Lockhart (Business Wire)
  • Loading…
  • Carter Bankshares, Inc. Establishes Dividend Reinvestment and Stock Purchase Plan (ACCESSWIRE)
  • Carter Bankshares, Inc. Declares Quarterly Dividend (ACCESSWIRE)
  • Carter Bankshares, Inc. Announces Second Quarter 2026 Financial Results (ACCESSWIRE)
  • Carter Bank Named Best Bank in Virginia by Forbes (ACCESSWIRE)
  • Carter Bank Opens First South Carolina Location in Greenville (ACCESSWIRE)
  • Carter Bank Debuts No-Fee Youth Savings and Checking Accounts (Business Wire)
  • Carter Bankshares, Inc. Declares Quarterly Dividend (ACCESSWIRE)
  • Carter Bankshares, Inc. Announces First Quarter 2026 Financial Results (ACCESSWIRE)

Quarterly earnings

actual against estimate
PeriodReportedEPS actEPS estEPS repSales actSales estAnalysts
2026Q32026-10-290.3500.5390.35046.2247.193
2026Q22026-07-231.3101.4401.30568.6855.903
2026Q12026-04-233.8803.9103.876106.91120.522
2025Q42026-01-300.4100.3670.38339.8340.663
2025Q32025-10-230.2600.4140.24039.0939.203
2025Q22025-07-240.4100.3230.36937.2737.333
2025Q12025-04-240.3200.2840.38737.0434.903
2024Q42025-01-230.3700.2630.35934.5235.603
2024Q32024-10-240.2300.2260.24434.2235.053
2024Q22024-07-250.2100.2050.20833.6334.622
2024Q12024-04-250.2400.1030.25333.4632.793
2023Q42024-01-25-0.0200.173-0.08230.6732.463
2023Q32023-10-260.2000.2000.15732.6632.644
2023Q22023-07-270.2400.6150.24131.2944.064
2023Q12023-04-270.6800.6240.66644.0244.544
2022Q42023-01-260.6200.6060.64947.0744.613

Annual earnings

PeriodEPS actEPS estEPS repSales actSales est
2018FY0.570-0.453--
2019FY1.0101.0871.009129.22126.98
2020FY0.3570.427-1.738131.7125.65
2021FY1.0701.1981.194140.06134.07
2022FY1.9601.9482.026161.65159.24
2023FY1.1101.2670.998140.59142.71
2024FY1.0500.9471.064135.83136.37
2025FY1.3901.3551.380153.22153.75
2026FY-6.090--258.3
2027FY-2.483--201.74
2028FY-2.873--216.41
2029FY-2.760--614.44

Estimate revisions

last 14 periods
PeriodTypeDateEstimatesUpDownMeanLowHigh
2026Q4S2026-11-0110048.2748.2748.27
2026Q4S2026-10-3020148.1848.1048.27
2026Q4S2026-10-2920048.6448.2949.00
2026Q4S2026-07-2420048.6448.2949.00
2026Q4S2026-07-2320048.5548.0049.10
2026Q4S2026-07-0820048.5548.0049.10
2026Q4S2026-07-0721048.5548.0049.10
2026Q4S2026-06-3022048.5548.0049.10
2026Q4S2026-06-0222048.5648.0249.10
2026Q4S2026-06-0122048.5148.0249.00
2026Q4S2026-04-2422048.5648.1349.00
2026Q4S2026-04-2322048.1247.2449.00
2026Q4S2026-04-1421046.6746.1047.24
2026Q4S2026-03-2621146.6746.1047.24

Estimate history

EPS, annual-0.0260.4531.009-1.7381.1942.0260.9981.0641.3815.9155
Period201720182019202020212022202320242025TTM
EPS, quarterly0.2440.3590.3870.3690.240.3833.8761.3050.35
PeriodQ3 '24Q4 '24Q1 '25Q2 '25Q3 '25Q4 '25Q1 '26Q2 '26Q3 '26
Sales, annual146.766160.804171.258166.086159.156181.468213.598243.097254.626351.97
Period201720182019202020212022202320242025TTM
Sales, quarterly62.01761.8762.90862.65564.5464.523130.15990.22167.07
PeriodQ3 '24Q4 '24Q1 '25Q2 '25Q3 '25Q4 '25Q1 '26Q2 '26Q3 '26
Shares, annual26.25826.2726.33426.38526.43123.95722.95623.06922.08322.091
Period201720182019202020212022202320242025MRQ
Shares, quarterly23.07223.06923.16222.6722.40622.08322.1622.16222.091
PeriodQ3 '24Q4 '24Q1 '25Q2 '25Q3 '25Q4 '25Q1 '26Q2 '26Q3 '26

Income statement, annual

Currency USD, millions
MetricTTM2025FY2024FY2023FY2022FY2021FY2020FY2019FY2018FY
Interest Income242.06232.22221.73196.42160.18133.90140.94159.12152.02
Total Interest Expense90.34101.40107.2774.1120.2522.7135.8346.7738.11
Net Interest Income151.72130.82114.46122.31139.93111.18105.11112.35113.91
Loan Loss Provision-24.60-3.83-5.056.402.932.0818.013.4016.87
Net Interest Income After Loan Loss Provision176.32134.65119.50115.91137.00109.1087.11108.9497.03
Non-Interest Income109.9122.4021.3717.1821.2925.2625.1412.148.79
Non-Interest Expense121.51117.05110.00104.3796.5798.4395.0593.1191.33
Operating Income164.7340.0030.8728.7261.7235.9317.2027.9714.49
Unusual Expense0.000.000.000.000.000.0062.190.000.00
Net Income Before Taxes164.7340.0030.8728.7261.7235.70-45.0927.7814.31
Income Taxes33.828.646.355.3411.604.110.771.212.40
Consolidated Net Income129.2131.0024.2723.1949.8231.46-45.8626.5711.90
Net Income From Continuing Operations129.2131.0024.2723.1949.8231.46-45.8626.5711.90
Net Income129.2131.0024.2723.1949.8231.46-45.8626.5711.90
EPS (Recurring)5.931.381.061.002.031.19-0.091.010.45
EPS (Basic, Before Extraordinaries)5.921.381.061.002.031.19-1.741.010.45
EPS (Diluted)5.921.381.061.002.031.19-1.741.010.45
Non-Operating Income (Expense)0.000.000.000.000.00-0.23-0.10-0.19-0.19
Other After Tax Adjustments-1.70-0.36-0.25-0.20-0.29-0.130.000.000.00
Stock Option Compensation Expense1.961.641.381.231.040.760.740.300.01
Price To Earnings Ratio4.984.9828.238.7410.3712.90-23.3432.85
Price To Sales Ratio1.851.731.651.632.252.551.703.652.45
Operating Margin46.8015.7112.7013.4534.0122.5710.3616.339.01
Net Margin36.7112.189.9910.8627.4619.77-27.6115.527.40
Shares Outstanding22.0922.0823.0722.9623.9626.4326.3926.3326.27
Market Capitalization647.68647.68405.84343.65399.98407.24282.87619.59391.07

Income statement, quarterly

Currency USD, millions
Metric2026Q32026Q22026Q12025Q42025Q32025Q22025Q12024Q4
Interest Income62.0961.4959.1959.3059.1757.7556.0156.50
Total Interest Expense20.8521.5423.2524.6925.4525.3925.8727.35
Net Interest Income41.2339.9535.9334.6033.7232.3630.1429.15
Loan Loss Provision10.331.46-34.13-2.263.23-2.67-2.14-5.03
Net Interest Income After Loan Loss Provision30.9038.4970.0736.8630.4935.0232.2834.18
Non-Interest Income4.9828.7370.975.225.374.916.905.37
Non-Interest Expense29.5029.9931.0131.0028.7029.3028.0428.87
Operating Income6.3837.24110.0311.087.1510.6311.1410.68
Unusual Expense0.000.000.000.000.000.000.000.00
Net Income Before Taxes6.3837.24110.0311.087.1510.6311.1410.68
Income Taxes-1.388.3324.272.601.742.122.182.40
Consolidated Net Income7.6328.5184.698.385.358.418.868.20
Net Income From Continuing Operations7.6328.5184.698.385.358.418.868.20
Net Income7.6328.5184.698.385.358.418.868.20
EPS (Recurring)0.351.313.880.380.240.370.390.36
EPS (Basic, Before Extraordinaries)0.351.313.880.380.240.370.390.36
EPS (Diluted)0.351.313.880.380.240.370.390.36
Non-Operating Income (Expense)0.000.000.000.000.000.000.000.00
Other After Tax Adjustments-0.13-0.40-1.07-0.10-0.07-0.10-0.09-0.08
Stock Option Compensation Expense0.650.490.410.410.430.420.380.34
Price To Earnings Ratio4.986.9916.9014.5114.2814.4715.2128.23
Price To Sales Ratio1.852.131.581.691.721.591.501.65
Operating Margin9.5141.2784.5417.1811.0816.9617.7017.27
Net Margin11.3831.6065.0712.998.2913.4314.0813.25
Shares Outstanding22.0922.1622.1622.0822.4122.6723.1623.07
Market Capitalization647.68755.77516.88434.23440.02401.58374.26405.84

Balance sheet, annual

Currency USD, millions
Metric2025FY2024FY2023FY2022FY2021FY2020FY2019FY2018FY2017FY
Cash & Due from Banks36.9439.6139.6889.2336.7038.5341.3947.4158.53
Investments797.98844.95834.72873.491,169.591,026.94851.501,031.751,157.80
Net Loans3,808.073,549.233,408.863,055.062,716.192,893.102,846.002,664.592,649.13
Investment in Unconsolidated Affiliates0.000.000.000.000.000.000.000.000.00
Customer Liability on Acceptances0.000.000.000.000.000.000.000.000.00
Real Estate Assets0.140.662.468.3910.9218.0218.3233.6839.79
Net Property, Plant & Equipment82.5384.1881.1178.4178.6086.8187.1485.8477.27
Interest Receivables17.8017.8418.8819.3517.1832.1613.7518.7421.27
Other Intangible Assets108.47122.72126.83127.45104.5883.62148.00157.58108.50
Total Assets4,851.924,659.194,512.544,204.524,133.754,179.184,006.114,039.604,112.29
Total Deposits4,210.894,153.423,721.913,630.333,698.483,684.633,504.243,591.183,669.61
Total Debt189.4380.40401.13205.0210.4036.6010.000.000.00
Long Term Debt49.6254.4777.036.606.4033.6010.000.000.00
Provision for Risks Charges2.993.193.192.291.780.100.000.000.00
Other Liabilities28.9237.8735.0638.2515.4917.6818.7512.2010.55
Total Liabilities4,432.234,274.884,161.303,875.893,726.153,739.013,533.003,603.393,680.17
Preferred Stock - Carrying Value0.000.000.000.000.000.000.000.000.00
Common Equity419.70384.31351.24328.63407.60440.17473.11436.21432.13
Total Shareholders Equity419.70384.31351.24328.63407.60440.17473.11436.21432.13
Accumulated Minority Interest0.000.000.000.000.000.000.000.000.00
Total Equity419.70384.31351.24328.63407.60440.17473.11436.21432.13
Total Liabilities & Stockholders Equity4,851.924,659.194,512.544,204.524,133.754,179.184,006.114,039.604,112.29
Book Value Per Share19.0116.6615.3013.7215.4216.6817.9716.6016.46
Tangible Book Value Per Share18.9116.6615.3013.7215.4216.6815.6014.3714.18
Tier 1 Capital459.74448.83435.36439.61443.94424.45410.79387.55374.51
Tier 2 Capital53.9951.9249.5643.8439.1840.7438.1634.7435.47
Full-Time Employees687680679667731828977992963
Price to Book Ratio1.241.051.041.271.000.641.310.901.04
Return on Assets0.650.530.531.200.76-1.120.660.29-0.02
Return on Equity7.716.606.8213.537.42-10.045.842.74-0.16
Return on Invested Capital6.615.535.4114.867.60-9.685.502.73-0.16
Current Ratio0.040.040.020.090.170.290.160.390.37

Cash flow, annual

Currency USD, millions
MetricTTM2025FY2024FY2023FY2022FY2021FY2020FY2019FY2018FY
Funds from Operations24.7040.3333.5048.2868.3845.2937.6543.1252.03
Extraordinary Item0.000.000.000.000.000.000.000.000.00
Changes in Working Capital32.27-0.473.30-1.660.286.67-24.2312.32-0.85
Cash from Operating Activities56.9839.8636.8046.6268.6551.9613.4355.4451.18
Capital Expenditures-8.50-8.05-8.13-9.80-5.48-8.48-10.12-7.32-64.61
Net Assets From Acquisitions0.000.000.000.000.00-73.920.000.000.00
Sale of Fixed Assets and Businesses0.0053.570.000.000.000.000.000.000.00
Purchase or Sale of Investments9.2153.8760.4874.08-26.32-146.14-6.4867.19178.51
Purchase of Investments-225.44-63.68-25.13-24.94-135.63-466.65-277.66-534.14-202.51
Sale Or Maturity of Investments234.65117.5585.6199.02109.31320.51271.18601.32381.02
Other Uses0.000.000.000.000.000.000.000.000.00
Other Sources68.6210.350.000.000.0052.320.000.000.00
Cash from Investing Activities201.97-155.91-68.26-306.90-379.93-80.78-98.99-146.5252.20
Cash Dividends Paid-4.430.000.000.000.000.00-3.690.000.00
Change in Capital Stock-11.19-20.000.00-16.42-42.93-0.160.000.000.00
Repurchase of Common Pref Stock-11.19-20.000.00-16.42-42.93-0.160.000.000.00
Sale of Common Pref Stock0.000.000.000.000.000.000.000.000.00
Proceedsfrom Stock Options0.000.000.000.000.000.000.000.000.00
Issuance or Reduction of Debt, Net-105.50108.50-323.40194.98191.42-28.0025.0010.000.00
Change in Long Term Debt-105.500.000.000.00191.42-28.0025.000.000.00
Issuance of Long Term Debt-462.000.000.000.00191.420.0025.000.000.00
Reduction of Long Term Debt356.500.000.000.000.00-28.000.000.000.00
Net Financing Active Other Cash Flow0.000.000.000.000.000.000.000.000.00
Other Financing Activities Uses-0.000.000.00-0.00-0.000.00
Cash from Financing Activities-264.1790.04108.11267.9480.3564.67201.69-76.94-78.43
Net Change in Cash-5.22-26.0176.647.66-230.9335.86116.13-168.0124.95
Free Cash Flow48.4831.8128.6736.8263.1743.483.3148.1236.57
Preferred Dividends (Cash Flow)-0.000.000.000.000.000.000.000.00
Price to Free Cash Flow14.8013.8814.009.456.469.32-12.9810.77
Federal Home Loan Advances Increase (Decrease)--10.3415.14-11.89-7.392.74-0.98-4.110.00

Balance sheet, quarterly

Currency USD, millions
Metric2026Q32026Q22026Q12025Q42025Q32025Q2
Cash & Due from Banks37.6341.1036.9636.9442.5648.02
Investments787.14908.29883.08797.98825.62838.13
Net Loans3,717.093,679.423,675.963,808.073,761.893,676.10
Investment in Unconsolidated Affiliates0.000.000.000.000.000.00
Net Property, Plant & Equipment69.0469.8270.9782.5371.6572.11
Interest Receivables17.0916.8918.1517.8017.9618.05
Other Intangible Assets101.7183.00110.71108.47120.10130.04
Total Assets4,730.944,801.884,799.274,851.924,840.124,784.09
Total Deposits4,117.314,197.564,235.254,210.894,210.354,222.24
Total Debt20.000.000.00189.43175.50113.50
Long Term Debt20.000.000.0049.6240.000.00
Provision for Risks Charges2.082.222.772.993.072.74
Other Liabilities64.6362.9656.3428.9238.3639.98
Total Liabilities4,204.024,262.744,294.374,432.234,427.284,378.46
Preferred Stock - Carrying Value0.000.000.000.000.000.00
Common Equity526.92539.15504.90419.70412.84405.63
Total Shareholders Equity526.92539.15504.90419.70412.84405.63
Accumulated Minority Interest0.000.000.000.000.000.00
Total Equity526.92539.15504.90419.70412.84405.63
Total Liabilities & Stockholders Equity4,730.944,801.884,799.274,851.924,840.124,784.09
Book Value Per Share23.8524.3322.7819.0118.4317.89
Tangible Book Value Per Share23.7624.2422.6918.9118.3317.79
Tier 1 Capital574.14570.10545.82459.74456.70455.62
Tier 2 Capital50.4650.07-53.9953.8652.68
Full-Time Employees---687--
Price to Book Ratio1.241.491.231.071.081.00
Return on Assets2.702.652.250.650.650.67
Return on Equity27.5026.8723.577.717.718.06
Return on Invested Capital1.405.2916.771.791.182.07
Current Ratio0.050.080.070.040.050.03

Cash flow, quarterly

Currency USD, millions
Metric2026Q32026Q22026Q12025Q42025Q32025Q2
Funds from Operations-2.84-268.24285.2010.5710.809.53
Extraordinary Item0.000.000.000.000.000.00
Changes in Working Capital4.377.6918.711.501.010.10
Cash from Operating Activities1.53-260.55303.9212.0711.819.64
Capital Expenditures-1.54-2.35-1.54-3.08-1.54-1.92
Net Assets From Acquisitions0.000.000.000.000.000.00
Sale of Fixed Assets and Businesses0.000.000.000.000.0053.57
Purchase or Sale of Investments-66.697.0727.9540.8735.40-4.92
Purchase of Investments-92.70-124.18-3.50-5.06-5.31-19.64
Sale Or Maturity of Investments26.02131.2531.4545.9340.7114.72
Other Uses0.000.000.000.000.000.00
Other Sources5.7962.820.000.007.272.39
Cash from Investing Activities-111.53351.55-26.62-11.44-49.98-13.48
Cash Dividends Paid-2.22-2.220.000.000.000.00
Preferred Dividends (Cash Flow)0.000.000.000.000.000.00
Change in Capital Stock-2.35-2.880.00-5.96-4.90-9.14
Repurchase of Common Pref Stock-2.35-2.880.00-5.96-4.90-9.14
Sale of Common Pref Stock0.000.000.000.000.000.00
Proceedsfrom Stock Options0.000.000.000.000.000.00
Issuance or Reduction of Debt, Net20.000.00-178.50-105.5062.0058.50
Change in Long Term Debt0.000.000.00-105.5062.0058.50
Issuance of Long Term Debt0.000.000.00-462.00217.00220.00
Reduction of Long Term Debt0.000.000.00356.50-155.00-161.50
Net Financing Active Other Cash Flow0.000.000.000.000.000.00
Other Financing Activities Uses0.000.000.00---
Cash from Financing Activities-64.82-42.79-154.14-2.4245.2014.75
Net Change in Cash-174.8148.22123.16-1.787.0410.91
Free Cash Flow-0.01-262.89302.389.0010.287.72
Price to Free Cash Flow14.8013.141.5513.5114.1013.54

Revenue breakdown

Annual Commission on Investment2024: 3.48M 2025: 2.48M
Customer Commissions2024: 166.00K 2025: 195.00K
Debit Card2024: 7.84M 2025: 7.94M
Other Fees and Other Income2024: 1.98M 2025: 3.83M
Other Real Estate Owned Income2024: 46.00K
Service Charges On Deposit Accounts2024: 5.86M 2025: 5.83M
Special Production Payout2024: 43.00K 2025: 58.00K
United States2024: 19.41M 2025: 20.32M

Short interest

shares short against float, oldest to newest
SettlementOf floatShares shortFloatAvg volume
2026-10-3011.47%2.4M21.0M269.72K
2026-10-1511.75%2.5M21.2M311.58K
2026-09-3012.54%2.7M21.2M344.73K
2026-09-1510.61%2.2M21.2M384.45K
2026-08-319.93%2.1M21.2M398.53K
2026-08-149.79%2.1M21.2M395.74K
2026-07-319.32%2.0M21.2M372.64K
2026-07-158.78%1.9M21.2M368.53K
2026-06-309.05%1.9M21.2M361.99K
2026-06-156.73%1.4M21.3M312.43K
2026-05-295.53%1.2M21.3M291.06K
2026-05-155.14%1.1M21.3M281.69K
2026-04-304.50%1.0M21.3M259.76K
2026-04-154.22%0.9M21.2M214.37K
2026-03-314.78%1.0M21.3M175.64K
2026-03-135.17%1.1M21.3M141.72K
2026-02-275.00%1.1M21.3M122.60K
2026-02-135.06%1.1M21.2M108.86K
2026-01-304.43%0.9M21.2M93.76K
2026-01-154.26%0.9M21.2M92.67K

Option chain

expiry 2026-11-20
TypeStrikeBidAskLastIVOpen intVolumeDeltaThetaVega
call17.509.5014.400.004.6190.000.000.847-0.3570.011
call20.007.0011.900.003.6470.000.000.811-0.3410.013
call22.504.509.300.002.9440.000.000.769-0.3190.015
call25.002.056.905.862.35830.000.000.717-0.2890.016
call30.000.004.500.752.4531.000.000.563-0.2370.019
call35.000.000.400.100.9964.000.000.168-0.0620.012
call40.000.004.100.001.4620.000.000.126-0.0750.010
call45.000.004.100.001.8400.000.000.106-0.0820.009
put17.500.004.100.006.0660.000.00-0.154-0.3500.012
put20.000.004.100.005.1260.000.00-0.189-0.3400.013
put22.500.004.100.004.2560.000.00-0.230-0.3170.015
put25.000.004.100.003.4680.000.00-0.282-0.2870.016
put30.000.054.901.302.4051.000.00-0.437-0.2340.019
put35.003.507.300.001.8920.000.00-0.832-0.0590.012
put40.009.0013.000.002.8850.000.00-0.874-0.0710.010
put45.0013.7018.000.003.3680.000.00-0.894-0.0790.009

Latest SEC filings

30
FiledFormDescriptionPeriodLink
2026-11-0510-QQuarterly report pursuant to Section 13 or 15(d)2026-09-30SEC
2026-11-038-KCurrent report2026-11-03SEC
2026-10-298-KCurrent report2026-10-28SEC
2026-10-298-KCurrent report2026-10-29SEC
2026-10-08SCHEDULE 13G/ASEC
2026-09-114/A2026-09-11SEC
2026-09-114Statement of changes in beneficial ownership of securities2026-09-11SEC
2026-08-178-KCurrent report2026-08-17SEC
2026-08-14SCHEDULE 13G/ASEC
2026-08-118-KCurrent report2026-08-11SEC
2026-08-11S-3DAutomatically effective registration statement for securities issued pursuant to dividend or interest reinvestment plansSEC
2026-08-0610-QQuarterly report pursuant to Section 13 or 15(d)2026-06-30SEC
2026-08-054Statement of changes in beneficial ownership of securities2026-08-04SEC
2026-07-31SCHEDULE 13G/ASEC
2026-07-304Statement of changes in beneficial ownership of securities2026-07-30SEC
2026-07-304Statement of changes in beneficial ownership of securities2026-07-30SEC
2026-07-278-KCurrent report2026-07-27SEC
2026-07-238-KCurrent report2026-07-22SEC
2026-07-238-KCurrent report2026-07-23SEC
2026-07-024Statement of changes in beneficial ownership of securities2026-06-30SEC
2026-07-024Statement of changes in beneficial ownership of securities2026-06-30SEC
2026-07-024Statement of changes in beneficial ownership of securities2026-06-30SEC
2026-07-024Statement of changes in beneficial ownership of securities2026-06-30SEC
2026-07-024Statement of changes in beneficial ownership of securities2026-06-30SEC
2026-07-024Statement of changes in beneficial ownership of securities2026-06-30SEC
2026-07-024Statement of changes in beneficial ownership of securities2026-06-30SEC
2026-06-248-KCurrent report2026-06-18SEC
2026-05-298-KCurrent report2026-05-29SEC
2026-05-298-KCurrent report2026-05-27SEC
2026-05-264Statement of changes in beneficial ownership of securities2026-05-21SEC

Insider activity by month

MonthBoughtBuysSoldSells
2026-110000
2026-100000
2026-090031.25K1
2026-080000
2026-0700138.24K2
2026-060000
2026-05119.87K1171.60K2
2026-040000
2026-030000
2026-020000
2026-010000
2025-120000
2025-110000

Institutional holders

Manager% owned
BlackRock, Inc.8.09%
DIMENSIONAL FUND ADVISORS LP6.16%
VANGUARD CAPITAL MANAGEMENT LLC4.30%
STATE STREET CORP4.11%
GEODE CAPITAL MANAGEMENT, LLC3.91%
AMERICAN CENTURY COMPANIES INC3.19%
LAZARD ASSET MANAGEMENT LLC2.88%
KENNEDY CAPITAL MANAGEMENT LLC1.73%
GOLDMAN SACHS GROUP INC1.68%
FMR LLC1.40%

Funds

Fund% owned
Avantis U.S. Small Cap Value ETF3.17%
VANGUARD TOTAL STOCK MARKET INDEX FUND3.04%
iShares Russell 2000 ETF2.57%
State Street(R) SPDR(R) S&P(R) Regional Banking ETF1.70%
U.S. SMALL CAP VALUE PORTFOLIO1.24%
VANGUARD EXTENDED MARKET INDEX FUND1.16%
Fidelity Small Cap Index Fund1.09%
iShares Russell 2000 Value ETF0.75%
U.S. Targeted Value Portfolio0.70%
Dimensional U.S. Targeted Value ETF0.66%

OakChart. CARE. Cached 15 minutes.