Filing Flows › Carter Bankshares (CARE) › Q3 2026 › vs Q3 2025
Carter Bankshares (CARE) Q3 2026 vs Q3 2025 (year over year)
Carter Bankshares's revenue rose $7.1M (+18%) from $39.1M in Q3 2025 to $46.2M in Q3 2026. The biggest changes: Net interest income +$7.5M (+22%); Noninterest income −$386K (-7%). Operating margin 13.8% against 18.3% (-4.5 pts).
Carter Bankshares, Q3 2026: revenue $46.2M (+18% year over year), operating margin 13.8%, net earnings $7.8M, operating cash flow $1.5M. The chart draws each line against Q3 2025, the increases inside each band.
Margins
| Q3 2026 | Q3 2025 | Change | |
|---|---|---|---|
| Operating margin | 13.8% | 18.3% | -4.5 pts |
| Net margin | 16.8% | 13.9% | +2.9 pts |
Every line
| Line | Q3 2026 | Q3 2025 | Change | % |
|---|---|---|---|---|
| Net interest income | $41.2M | $33.7M | $7.5M | +22% |
| Noninterest income | $5.0M | $5.4M | −$386K | -7% |
| Revenue | $46.2M | $39.1M | $7.1M | +18% |
| Operating profit | $6.4M | $7.2M | −$775K | -11% |
| Costs & expenses | $39.8M | $31.9M | $7.9M | +25% |
| Pre-tax earnings | $6.4M | $7.2M | −$775K | -11% |
| Credit loss provision | $10.3M | $3.2M | $7.1M | +220% |
| Noninterest expense | $29.5M | $28.7M | $800K | +3% |
| Income tax benefit | $1.4M | −$1.7M | $3.1M | — |
| Net earnings | $7.8M | $5.4M | $2.3M | +43% |
| Operating cash sources | $10.8M | $7.9M | $2.9M | +36% |
| Depreciation & amortization | $2.2M | $2.0M | $262K | +13% |
| Share-based compensation | $824K | $539K | $285K | +53% |
| Working capital & other | $9.3M | −$3.9M | $13.2M | — |
| Operating cash flow | $1.5M | $11.8M | −$10.3M | -87% |
| Capital expenditures | $1.5M | $1.5M | $0 | 0% |
| Negative free cash flow (OCF − capex) | $5K | −$10.3M | $10.3M | — |
Questions
How much did Carter Bankshares's revenue grow year over year in Q3 2026?
Carter Bankshares's revenue rose $7.1M (+18%) from $39.1M in Q3 2025 to $46.2M in Q3 2026.
What drove Carter Bankshares's revenue change in Q3 2026?
Net interest income +$7.5M (+22%); Noninterest income −$386K (-7%).