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Carter Bankshares vs Southern First Bancshares: CARE and SFST compared
Carter Bankshares is the larger company: $46.2M of revenue in its latest quarter (Q3 2026) against $37.5M for Southern First Bancshares (Q3 2026). Southern First Bancshares is growing faster (+21% against +18% a year earlier). Southern First Bancshares is more profitable, with an operating margin of 42.2% against 13.8%.
Where the money goes: CARE and SFST
Carter Bankshares (CARE) · Q3 2026
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 follows the revenue to costs, profit and cash.
Southern First Bancshares (SFST) · Q3 2026
Southern First Bancshares, Q3 2026: revenue $37.5M (+21% year over year), operating margin 42.2%, net earnings $12.2M, operating cash flow $21.3M. The chart follows the revenue to costs, profit and cash.
| Carter Bankshares (CARE) | Southern First Bancshares (SFST) | |
|---|---|---|
| Latest quarter | Q3 2026 | Q3 2026 |
| Revenue | $46.2M | $37.5M |
| Revenue growth, Y/Y | +18% | +21% |
| Operating margin | 13.8% | 42.2% |
| Net earnings | $7.8M | $12.2M |
| Net margin | 16.8% | 32.6% |
| Operating cash flow | $1.5M | $21.3M |
| Free cash flow | — | $20.4M |
| Market value | — | $571M |
| P/E | — | 12.3× |
| Analysts’ mean target | — | $68.75 |
Where the revenue comes from
Carter Bankshares
- Net interest income: $41.2M (89%)
- Noninterest income: $5.0M (11%)
Southern First Bancshares
- Net interest income: $34.7M (92%)
- Noninterest income: $2.9M (8%)
Questions
Which is bigger, Carter Bankshares or Southern First Bancshares?
Carter Bankshares is the larger company: $46.2M of revenue in its latest quarter (Q3 2026) against $37.5M for Southern First Bancshares (Q3 2026).
Is Carter Bankshares or Southern First Bancshares growing faster?
Southern First Bancshares is growing faster (+21% against +18% a year earlier).
Which is more profitable, Carter Bankshares or Southern First Bancshares?
Southern First Bancshares is more profitable, with an operating margin of 42.2% against 13.8%.
More: Carter Bankshares earnings · how Carter Bankshares makes money · Southern First Bancshares earnings · how Southern First Bancshares makes money
From the companies' latest 10-Q, 10-K or earnings release (10-Q filed Nov 5, 2026; 10-Q filed Oct 30, 2026). Fiscal quarters can end on different dates. Not investment advice.