Carter Bankshares, Inc.
CAREFinancial Services · Stock · quarterly payer
Forward Yield
1.30%
Annual Dividend
$0.40
Payout Ratio
2%
5-Yr Growth
—
Ex-Date
Aug 10, 2026
Frequency
Quarterly
Summary
As of September 2026, Carter Bankshares, Inc. (CARE) yields 1.30% ($0.40 per share annually), with a blended fair-value estimate of $36.46 — +18% upside, so it screens as undervalued. Dividend safety grade: A (87/100). 1 years of dividend growth.
Is CARE a good dividend stock?
YesCarter Bankshares, Inc. (CARE) pays a quarterly dividend yielding 1.30% ($0.40/yr), with 1 year of growth and a dividend-safety grade of A. It scores well across payout coverage, growth history and safety — a dependable income holding.
Advantages
- Never cut its dividend on record
- Comfortable payout ratio (2%)
- 106% total price return over 5 years
- Top-tier dividend safety score
Risks
- Single-stock concentration risk — diversify
Key Data
- Dividend Yield
- 1.30%
- Payout Ratio
- 2%
- Annual Dividend
- $0.40
- 5-Yr Avg Growth
- —
- Ex-Dividend Date
- Aug 10, 2026
- Years of Growth
- 1
- Frequency
- quarterly
- Beta
- 0.50
- Market Cap
- $711.1M
- P/E Ratio
- 5.3
- 5-Yr Total Return
- 106%
- 52-Week Range
- $16.78 – $36.06
- Dividend Safety
- A · 87/100
- Ever Cut?
- No
Frequently Asked Questions
CARE Price — Last 12 Months
Daily close
Price Return
1 Year
+80%
3 Years
+173%
5 Years
+106%
52-Week Range
$16.78 – $36.06
Price change over each period (excludes dividends). Past performance doesn't guarantee future results.
What is CARE worth?
Undervaluedmedium confidenceOur blended fair-value estimate for Carter Bankshares, Inc. is $36.46 per share, versus a market price of $30.79. That implies 18% of upside — a margin of safety of about 16%.
Fair Value
$36.46
Current Price
$30.79
Upside
+18%
Margin of Safety
16%
How we get there
Discounted cash flow
Discounts projected free cash flow back to today.
Earnings multiple (Graham)
Graham's earnings-multiple formula, anchored to bond yields.
At today's price, the market is pricing in about -10.0% annual free-cash-flow growth. We model -5.0% — below our estimate, leaving room for upside if the business executes.
Assumptions: 7.0% discount rate (CAPM), -5.0% stage-1 growth, 2.5% terminal growth, $5.80 EPS, $0.40 annual dividend. Updated weekly.
Fair-value estimates are model output for educational purposes only — not investment advice or a price target.
CARE Dividend Safety Score
Very Safe
SmarterDividends' proprietary score, backtested against which dividends were actually cut over 15+ years (0.78 AUC). It blends a validated cut-risk model (growth streak, cut history) with current payout, cash-flow and debt. Higher is safer · not investment advice.
Dividend History
| Ex-Date | Pay Date | Amount | Type |
|---|---|---|---|
| Aug 10, 2026 | — | $0.1000 | regular |
| May 11, 2026 | — | $0.1000 | regular |
| Feb 14, 2020 | — | $0.1400 | regular |
| Jul 13, 2016 | — | $0.1000 | regular |
| Apr 21, 2016 | — | $0.1000 | regular |
| Jan 13, 2016 | — | $0.1000 | regular |
| Oct 13, 2015 | — | $0.1000 | regular |
| Jul 15, 2015 | — | $0.1000 | regular |
| Apr 13, 2015 | — | $0.1000 | regular |
| Jan 14, 2015 | — | $0.1000 | regular |
| Oct 9, 2014 | — | $0.1000 | regular |
| Jul 10, 2014 | — | $0.1000 | regular |
| Apr 10, 2014 | — | $0.1000 | regular |
| Jan 9, 2014 | — | $0.1000 | regular |
Income Calculator
At $0.40 / yr per share
