Carter Bankshares, Inc. — Earnings Quality Grade A
CARE · Financial Services
Strong financial health
Screening Summary
Management Signals
Financial Trends
Revenue & Net Income ($B)
Margins (%)
18-Point Screening
Revenue Quality
Insufficient data
Insufficient data
Revenue 12.6%, CFFO 7.9%. Cash follows revenue
Expense Quality
No material inventory
CapEx growth -1.0% vs revenue 12.6%. Normal
Insufficient data
Insufficient data
Cash Flow Quality
CFFO/NI = 1.27. Profits backed by cash
FCF $0.0B, FCF/NI = 1.01
Accruals ratio = -0.2%. Low accruals
Cash $0.1B covers 59% of debt $0.2B
Balance Sheet Health
Goodwill+Intangibles $0.0B = 1% of equity. Manageable
Insufficient data
Insufficient data
No write-off data
Acquisition Risk
FCF after acquisitions positive
Insufficient data
Manipulation Score
Insufficient data
Altman Z-Score — Not Applicable
Carter Bankshares, Inc. is a financial company. Z-Score is designed for non-financial companies.
Generated from public financial data using forensic accounting frameworks. Not investment advice. Data: Yahoo Finance · 2026-04-25