Pulling SEC filings + quote and writing the call…
| Fiscal year | FY2019 | FY2020 | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 |
|---|---|---|---|---|---|---|---|
| Revenue | $12.8M | $18.0M | $17.5M | $18.3M | $17.3M | $19.4M | $20.3M |
| Revenue growth | — | 40.8% | -2.8% | 4.8% | -5.8% | 12.4% | 4.6% |
| Net income | $26.6M | -$45.9M | $31.6M | $50.1M | $23.4M | $24.5M | $31.4M |
| Net margin | 207.9% | -254.9% | 180.7% | 273.4% | 135.4% | 126.3% | 154.4% |
| EPS (diluted) | $1.01 | -$1.74 | $1.19 | $2.03 | $1.00 | $1.06 | $1.38 |
| Fiscal year | FY2019 | FY2020 | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 |
|---|---|---|---|---|---|---|---|
| Operating cash flow | $38.3M | $7.70M | $77.5M | $70.8M | $46.7M | $36.9M | $39.9M |
| Capital expenditures | $8.45M | $10.1M | $8.48M | $5.89M | $9.80M | $8.13M | $8.05M |
| Free cash flow | $29.8M | -$2.42M | $69.1M | $64.9M | $36.9M | $28.8M | $31.8M |
| Share buybacks | $0.00 | $0.00 | $157K | $42.9M | $16.4M | $0.00 | $20.0M |
| Dividends paid | $0.00 | $3.69M | $0.00 | $0.00 | — | — | — |
| Fiscal year | FY2019 | FY2020 | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 |
|---|---|---|---|---|---|---|---|
| Cash & equivalents | $126M | $242M | $278M | $46.9M | $54.5M | $131M | $105M |
| Total assets | — | $4.18B | $4.13B | $4.20B | $4.51B | $4.66B | $4.85B |
| Total liabilities | — | $3.74B | $3.73B | $3.88B | $4.16B | $4.27B | $4.43B |
| Shareholders' equity | $473M | $440M | $408M | $329M | $351M | $384M | $420M |
| Retained earnings | — | $255M | $235M | $286M | $309M | $334M | $365M |
| Shares (wtd avg diluted) | 26.3M | 26.4M | 26.3M | 24.6M | 23.2M | 22.8M | 22.5M |
Every figure is extracted from Carter Bankshares, Inc.’s annual reports as filed with the SEC (XBRL company facts) — no third-party estimates. Fiscal years are labeled by period end; filers occasionally re-tag concepts, so a sparse cell means the company didn’t report that concept for that year. Free cash flow = operating cash flow − capital expenditures.
Research and education only — not financial advice. TENKis not a registered investment adviser or broker-dealer and gives no personalized advice. Every call is impersonal — identical for all users, generated on a schedule from SEC filings plus a delayed/third-party price feed — may be wrong or out of date, and is not a recommendation to buy or sell any security. The operator and an affiliated trading operation may hold or trade the securities TENK rates; see Disclosures. Past performance does not guarantee future results. Do your own research.