CARE Stock Analysis: Buy, Sell, or Hold?
CARE - Carter Bankshares, Inc. Common Stock
$23.45
0.25 (1.08%)
▲
5d:
+15.35%
30d:
+11.99%
90d:
+18.55%
WAIT
LOW Confidence
Analysis Updated: Mar 31, 2026 12:00 AM ET
Earnings: Apr 23, 2026
22d
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Interactive Price Chart (1 Month)
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Bottom Line:
📊 MIXED SIGNALS: CARE shows conflicting indicators. Wait for confirmation before entering.
📊 MIXED SIGNALS: CARE shows conflicting indicators. Wait for confirmation before entering.
Long-Term Wealth Forecast (2031)
Based on Analyst Consensus Growth & Historical Valuation
0% (Stagnation)
50% (Hyper Growth)
EST. PRICE IN 2031
$8.90
Based on -14.6% avg growth
INTRINSIC VALUE TODAY
$5.53
Trading above fair value
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 8.5x Exit PE.
In-depth Analysis How we analyze
Valuation Analysis: CARE is currently trading at $23.45, which is considered extended relative to its 30-day fair value range of $19.88 to $21.88. From a valuation perspective, the stock is trading at a premium (Forward PE: 9.5) compared to its historical average (8.5). At these levels, the market is pricing in 3.6% 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 uptrend. The price is approaching resistance at $23.70. A breakout above this level would be a bullish signal, while rejection here could lead to consolidation.
Market Sentiment: The stock shows a mixed technical setup (45/100), with neutral trendline and momentum signals. Current signals suggest waiting for a better entry point before initiating new positions.
Technical Outlook: Technically, CARE is in a strong uptrend. The price is approaching resistance at $23.70. A breakout above this level would be a bullish signal, while rejection here could lead to consolidation.
Market Sentiment: The stock shows a mixed technical setup (45/100), with neutral trendline and momentum signals. Current signals suggest waiting for a better entry point before initiating new positions.
Quick Decision Summary
Current Position
EXTENDED
Fair Price Range
$19.88 -
$21.88
Company Quality Score
55/100
(HOLD)
Volume Confirmation
HIGH
Confidence Score
42.4%
All Signals
- BEARISH: Price extended above range (+7.2% above fair value)
- NEUTRAL: Mixed technical signals (45/100)
- BULLISH: High volume confirmation
- NEUTRAL: Near Wall St target ($25.38)
- NEUTRAL: Market pricing in 3.6% annual earnings growth - fairly valued
Fair Price Analysis
30-Day Fair Range
$19.88 -
$21.88
Current vs Fair Value
EXTENDED
Support & Resistance Levels
Support Level
$19.41
Resistance Level
$23.70
Current Trend
Strong Uptrend
Technical data as of
Mar 31, 2026
Fundamental Context
Forward P/E (Next Year Est.)
9.47
Wall Street Target
$25.38
(+9.4%)
Revenue Growth (YoY)
6.4%
Earnings Growth (YoY)
6.2%
Profit Margin
20.0%
Valuation Premium vs History
+3.6% premium
PE vs Historical
9.5 vs 8.5
FAIR
Market-Implied Price Targets
If current PE multiple persists
Implied Growth (YoY):
+3.6%
(market-implied from PE analysis)
1-Year Target
$24.04
(+4%)
2-Year Target
$24.90
(+7%)
3-Year Target
$25.80
(+11%)
3-Yr Target (if PE normalizes)
(PE: 9→9)
PE COMPRESSION
$23.16
(0%)
Earnings growth offset by PE compression
3-Year Scenarios
Using analyst projected EPS growth
Bull:
(PE: 22.4, Growth: -33.2%)
$39.92
(+72%)
Base:
(SPY PE: 9.5, Growth: -33.2%)
$16.91
(-27%)
Bear:
(PE: 8.0, Growth: -33.2%)
$14.38
(-38%)
📈
Valuation based on Current Earnings
RECOVERY PLAY: Stock looks expensive now (14x PE), but valuation improves significantly next year (9x PE) as earnings recover.
Trailing PE: 14.35 | Current EPS (TTM): $1.38
Bull Case
$37.88
(+87%)
Analyst growth 73.9%, PE expands to 15.8
Base Case
$34.43
(+70%)
Market implied 73.9%, PE stable at 14.4
Bear Case
$13.46
(-34%)
Severe decline -20.0%, PE contracts to 12.2
These are projections based on PE multiples and EPS growth scenarios, not predictions. Actual results may vary significantly.
Share & Embed Analysis
Last updated: March 31, 2026 1:51 PM ET
Data refreshes hourly during market hours. Next update: 2:51 PM
Data refreshes hourly during market hours. Next update: 2:51 PM
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Technical Signals Check
Is CARE showing a specific setup today?
Insider Activity (6 Months)
0
Buys
1
Sells
Net
INSIDERS SELLING
Recent Transactions
Robert M Bolton
SELL
1901 shares
2025-10-30
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