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Peoples Financial Services vs Carter Bankshares: PFIS and CARE compared
Peoples Financial Services is the larger company: $53.0M of revenue in its latest quarter (Q3 2026) against $46.2M for Carter Bankshares (Q3 2026). Carter Bankshares is growing faster (+18% against +14% a year earlier). Peoples Financial Services is more profitable, with an operating margin of 42.3% against 13.8%.
Where the money goes: PFIS and CARE
Peoples Financial Services (PFIS) · Q3 2026
Peoples Financial Services, Q3 2026: revenue $53.0M (+14% year over year), operating margin 42.3%, net earnings $19.1M, operating cash flow $14.8M. The chart follows the revenue to costs, profit and cash.
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.
| Peoples Financial Services (PFIS) | Carter Bankshares (CARE) | |
|---|---|---|
| Latest quarter | Q3 2026 | Q3 2026 |
| Revenue | $53.0M | $46.2M |
| Revenue growth, Y/Y | +14% | +18% |
| Operating margin | 42.3% | 13.8% |
| Net earnings | $19.1M | $7.8M |
| Net margin | 36.1% | 16.8% |
| Operating cash flow | $14.8M | $1.5M |
| Free cash flow | $13.6M | — |
Where the revenue comes from
Peoples Financial Services
- Net interest income: $47.3M (89%)
- Noninterest income: $5.7M (11%)
Carter Bankshares
- Net interest income: $41.2M (89%)
- Noninterest income: $5.0M (11%)
Questions
Which is bigger, Peoples Financial Services or Carter Bankshares?
Peoples Financial Services is the larger company: $53.0M of revenue in its latest quarter (Q3 2026) against $46.2M for Carter Bankshares (Q3 2026).
Is Peoples Financial Services or Carter Bankshares growing faster?
Carter Bankshares is growing faster (+18% against +14% a year earlier).
Which is more profitable, Peoples Financial Services or Carter Bankshares?
Peoples Financial Services is more profitable, with an operating margin of 42.3% against 13.8%.
More: Peoples Financial Services earnings · how Peoples Financial Services makes money · Carter Bankshares earnings · how Carter Bankshares makes money
From the companies' latest 10-Q, 10-K or earnings release (10-Q filed Nov 6, 2026; 10-Q filed Nov 5, 2026). Fiscal quarters can end on different dates. Not investment advice.