Filing Flows

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.

Carter Bankshares: what changed, Q3 2026 vs Q3 2025Carter Bankshares: what changed, Q3 2026 vs Q3 2025Working capital & other$13.2MOperating cash flow−$10.3MNegative free cash flow (OCF …$10.3MCosts & expenses$7.9MNet interest income$7.5MCredit loss provision$7.1MIncome tax benefit$3.1MOperating cash sources$2.9MNet earnings$2.3MNoninterest expense$800K

Margins

Q3 2026Q3 2025Change
Operating margin13.8%18.3%-4.5 pts
Net margin16.8%13.9%+2.9 pts

Every line

LineQ3 2026Q3 2025Change%
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$00%
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%).

Q3 2026 results → · Compare in the interactive Sankey →