Estados financieros detallados de Carter Bankshares, Inc. (CARE): cuenta de resultados, balance general y flujo de caja. Sigue la evolución de márgenes, deuda, liquidez y rentabilidad año a año con hasta 20 años de histórico.
Resumen del Análisis
Carter Bankshares, Inc. registró ingresos de $254.6M en el último ejercicio fiscal, con un CAGR de 5 años del 9.2%.
Márgenes de los últimos 12 meses: margen bruto 81.9%, margen operativo 47.5%, margen neto 36.9%.
Al precio actual de $30.58, CARE cotiza a un P/E de 5.20 y un ROE del 27.40%. La capitalización bursátil es de $678M.
Cuenta de Resultados (10 años)
| Año | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|
| Ingresos | $146.7M | $144.3M | $157.9M | $168.4M | $163.8M | $156.4M | $179.2M | $211.8M | $239.7M | $254.6M |
| Coste de Ventas | $64.1M | $80.3M | $55.0M | $50.2M | $53.8M | $24.8M | $23.2M | $80.5M | $102.2M | $97.6M |
| Beneficio Bruto | $82.6M | $64.0M | $102.9M | $118.2M | $109.9M | $131.6M | $156.0M | $131.3M | $137.4M | $157.1M |
| I+D | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Generales y Administrativos | $47.5M | $53.9M | $57.8M | $60.1M | $56.3M | $57.3M | $55.8M | $62.5M | $66.6M | $75.4M |
| Gastos Operativos | $64.9M | $82.2M | $88.6M | $90.4M | $155.0M | $95.9M | $94.3M | $102.6M | $106.6M | $117.1M |
| Beneficio Operativo | $17.6M | -$18.2M | $14.3M | $27.8M | -$45.1M | $35.7M | $61.7M | $28.7M | $30.9M | $40.0M |
| EBITDA | $20.9M | -$15.1M | $18.0M | $33.1M | -$38.9M | $41.9M | $67.8M | $35.0M | $37.9M | $47.9M |
| Gastos por Intereses | $46.4M | $37.1M | $38.1M | $46.8M | $35.8M | $22.7M | $20.3M | $74.1M | $107.3M | $101.4M |
| Beneficio Antes de Impuestos | $17.6M | -$18.2M | $14.3M | $27.8M | -$45.1M | $35.7M | $61.7M | $28.7M | $30.9M | $40.0M |
| Impuestos | $1.6M | -$17.5M | $2.4M | $1.2M | $772000 | $4.1M | $11.6M | $5.3M | $6.3M | $8.6M |
| Beneficio Neto | $16.0M | -$681000 | $11.9M | $26.6M | -$45.9M | $31.6M | $50.1M | $23.4M | $24.5M | $31.4M |
| BPA | $0.61 | $-0.03 | $0.45 | $1.01 | $-1.74 | $1.20 | $2.03 | $1.00 | $1.06 | $1.40 |
| BPA Diluido | $0.61 | $-0.03 | $0.45 | $1.01 | $-1.74 | $1.20 | $2.03 | $1.00 | $1.06 | $1.40 |
| Acciones en Circulación (Diluidas) | $26.3M | $26.3M | $26.3M | $26.3M | $26.4M | $26.3M | $24.6M | $23.2M | $23.2M | $22.5M |
Cuenta de Resultados (Trimestral)
| Año | 2025-Q3 | 2025-Q4 | 2026-Q1 | 2026-Q2 |
|---|
| Ingresos | $63.6M | $64.5M | $130.2M | $90.2M |
| Beneficio Bruto | $34.9M | $42.1M | $141.0M | $67.2M |
| Beneficio Operativo | $7.2M | $11.1M | $110.0M | $37.2M |
| EBITDA | $9.1M | $13.1M | $112.2M | $39.4M |
| Beneficio Neto | $5.4M | $8.5M | $85.8M | $28.9M |
| BPA | $0.24 | $0.39 | $3.93 | $1.32 |
| BPA Diluido | $0.24 | $0.39 | $3.93 | $1.32 |
Balance (10 años)
| Año | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|
| Caja y Equivalentes | $694.8M | $268.6M | $293.6M | $125.8M | $241.9M | $277.8M | $46.9M | $54.5M | $131.2M | $105.2M |
| Inversiones a Corto | $160.9M | $947.2M | $782.8M | $742.6M | $778.7M | $922.4M | $836.3M | $719.6M | $655.0M | $383.5M |
| Cuentas por Cobrar | 0 | 0 | 0 | 0 | 0 | 0 | 0 | $59.4M | $63.5M | 0 |
| Inventario | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Activos Corrientes | $855.7M | $1.22B | $1.08B | $868.4M | $1.02B | $1.20B | $883.1M | $833.5M | $849.6M | $488.7M |
| Inmovilizado Material | $96.6M | $77.3M | $85.8M | $85.9M | $85.3M | $75.3M | $72.1M | $73.7M | $74.3M | $72.5M |
| Fondo de Comercio | $59.8M | $59.8M | $62.2M | $62.2M | 0 | 0 | 0 | 0 | 0 | $1.2M |
| Activos Intangibles | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | $940000 |
| Activos Totales | $4.51B | $4.11B | $4.04B | $4.01B | $4.18B | $4.13B | $4.20B | $4.51B | $4.66B | $4.85B |
| Cuentas por Pagar | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Deuda a Corto | 0 | 0 | 0 | 0 | 0 | 0 | $17.9M | 0 | 0 | 0 |
| Pasivos Corrientes | $4.06B | $3.67B | $3.59B | $3.50B | $3.68B | $3.70B | $3.65B | $3.72B | $4.15B | $4.21B |
| Deuda a Largo | 0 | 0 | 0 | $10.0M | $35.0M | $7.0M | $180.6M | $393.4M | $70.0M | $178.5M |
| Pasivos Totales | $4.07B | $3.68B | $3.60B | $3.53B | $3.74B | $3.73B | $3.88B | $4.16B | $4.27B | $4.43B |
| Reservas | $266.2M | $265.9M | $277.8M | $304.2M | $254.6M | $235.5M | $285.6M | $309.1M | $333.6M | $365.0M |
| Patrimonio Neto | $434.6M | $432.1M | $436.2M | $473.1M | $440.2M | $407.6M | $328.6M | $351.2M | $384.3M | $419.7M |
| Deuda Total | 0 | 0 | 0 | $10.0M | $35.0M | $7.0M | $198.4M | $393.4M | $70.0M | $178.5M |
| Deuda Neta | -$855.7M | -$1.22B | -$1.08B | -$858.4M | -$985.6M | -$1.19B | -$684.7M | -$380.8M | -$716.1M | -$310.2M |
| Capital Circulante | -$3.21B | -$2.45B | -$2.51B | -$2.64B | -$2.66B | -$2.50B | -$2.77B | -$2.89B | -$3.30B | -$3.72B |
Balance (Trimestral)
| Año | 2025-Q3 | 2025-Q4 | 2026-Q1 | 2026-Q2 |
|---|
| Caja y Equivalentes | $106.9M | $105.2M | $228.3M | $41.1M |
| Activos Totales | $4.84B | $4.85B | $4.80B | $4.80B |
| Pasivos Totales | $4.43B | $4.43B | $4.29B | $4.26B |
| Patrimonio Neto | $412.8M | $419.7M | $504.9M | $539.1M |
| Deuda Total | $175.5M | $178.5M | 0 | 0 |
Flujo de Caja (10 años)
| Año | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|
| Beneficio Neto | $16.0M | -$681000 | $11.9M | $26.6M | -$45.9M | $31.6M | $50.1M | $23.4M | $24.5M | $31.4M |
| Amortizaciones | $3.3M | $3.1M | $3.7M | $5.3M | $6.1M | $6.2M | $6.1M | $6.2M | $7.1M | $7.9M |
| Compensación en Acciones | 0 | 0 | $9000 | $381000 | $1.0M | $1.0M | $1.3M | $1.6M | $1.8M | $2.1M |
| Cambio en Capital Circulante | -$9.2M | -$4.5M | -$1.8M | $10.9M | -$25.8M | $5.6M | -$722000 | -$1.4M | $1.8M | -$2.0M |
| Flujo de Caja Operativo | $32.7M | $44.3M | $49.4M | $38.3M | $7.7M | $77.5M | $70.8M | $46.7M | $36.9M | $39.9M |
| Inversiones (CapEx) | -$844000 | -$3.5M | -$14.6M | -$8.5M | -$10.1M | -$8.5M | -$5.9M | -$9.8M | -$8.1M | -$8.1M |
| Adquisiciones | 0 | 0 | 0 | 0 | 0 | -$73.9M | 0 | 0 | 0 | $53.6M |
| Recompra de Acciones | 0 | 0 | 0 | 0 | 0 | -$157000 | -$42.9M | -$16.4M | 0 | -$20.0M |
| Dividendos Pagados | -$7.9M | 0 | 0 | 0 | -$3.7M | 0 | 0 | 0 | 0 | 0 |
| Flujo de Caja Libre | $31.8M | $40.7M | $34.8M | $29.8M | -$2.4M | $69.1M | $64.9M | $36.9M | $28.8M | $31.8M |
Flujo de Caja (Trimestral)
| Año | 2025-Q3 | 2025-Q4 | 2026-Q1 | 2026-Q2 |
|---|
| Flujo de Caja Operativo | $11.8M | $12.1M | $303.9M | -$260.5M |
| Inversiones (CapEx) | -$1.5M | -$3.1M | -$1.5M | -$2.3M |
| Flujo de Caja Libre | $10.3M | $9.0M | $302.4M | -$262.9M |
| Dividendos Pagados | 0 | 0 | 0 | -$2.2M |
| Compensación en Acciones | $539000 | $522000 | $519000 | $616000 |
Crecimiento y Márgenes (10 años)
| Año | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|
| Crecimiento Ingresos (anual) | | -1.6% | +9.4% | +6.6% | -2.7% | -4.5% | +14.6% | +18.2% | +13.1% | +6.2% |
| Crecimiento Beneficio Neto (anual) | | -104.3% | +1848.2% | +123.2% | -272.6% | +168.9% | +58.7% | -53.3% | +4.9% | +27.9% |
| Crecimiento BPA (anual) | | -104.9% | +1600.0% | +124.4% | -272.3% | +169.0% | +69.2% | -50.7% | +6.0% | +32.1% |
| Cambio en Acciones (anual) | | +0.0% | +0.0% | +0.3% | +0.2% | -0.1% | -6.6% | -5.5% | +0.0% | -3.4% |
| Crecimiento FCF (anual) | | +28.0% | -14.6% | -14.2% | -108.1% | +2958.2% | -6.0% | -43.1% | -22.0% | +10.4% |
| Margen Bruto | 56.3% | 44.4% | 65.2% | 70.2% | 67.1% | 84.1% | 87.1% | 62.0% | 57.3% | 61.7% |
| Margen Operativo | 12.0% | -12.6% | 9.1% | 16.5% | -27.5% | 22.8% | 34.4% | 13.6% | 12.9% | 15.7% |
| Margen EBITDA | 14.3% | -10.4% | 11.4% | 19.7% | -23.8% | 26.8% | 37.8% | 16.5% | 15.8% | 18.8% |
| Margen Neto | 10.9% | -0.5% | 7.5% | 15.8% | -28.0% | 20.2% | 28.0% | 11.0% | 10.2% | 12.3% |
| Margen FCF | 21.7% | 28.2% | 22.0% | 17.7% | -1.5% | 44.2% | 36.2% | 17.4% | 12.0% | 12.5% |
| Tasa Impositiva Efectiva | 9.3% | 96.3% | 16.8% | 4.4% | -1.7% | 11.5% | 18.8% | 18.6% | 20.6% | 21.6% |
Datos por Acción (10 años)
| Año | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|
| FCF por Acción | $1.21 | $1.55 | $1.32 | $1.13 | $-0.09 | $2.62 | $2.64 | $1.59 | $1.24 | $1.42 |
| Dividendo por Acción | $0.30 | $0.00 | $0.00 | $0.00 | $0.14 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 |
| Acciones en Circulación (Básicas) | $26.3M | $26.3M | $26.3M | $26.3M | $26.4M | $26.3M | $24.6M | $23.2M | $23.2M | $22.5M |
Qué mirar en empresas de Financial Services
- Efficiency Ratio (≤55%) — Gastos operativos / ingresos. Bancos top por debajo del 55%.
- ROA (≥1%) — Cuánto ganan por cada euro de activos. En banca el ROE engaña por el apalancamiento.
- ROTCE (≥12%) — Rentabilidad sobre Capital Tangible. Descuenta goodwill e intangibles.
- Capital / Activos (proxy Tier 1) (≥8%) — Proxy del ratio de capital. FMP no expone Tier 1 regulatorio directo.
- P/B (1,0-1,5x) — Métrica clásica bancaria. <1x puede ser oportunidad o distress.
- Rentabilidad por dividendo sostenible (≥2%, <8%) — Bancos UE pagan 5-7% sin estrés. >8% es señal de distress.
Rentabilidad
| Rentabilidad sobre capital | 27.40% |
| Rentabilidad sobre capital invertido | 21.27% |
| Rentabilidad sobre activos | 2.68% |
| Margen bruto | 81.86% |
| Margen operativo | 47.49% |
| Margen neto | 36.89% |
Salud financiera
| Deuda / Patrimonio | 0.00 |
| Ratio corriente | 0.01 |
| Piotroski F-Score | 7 |
| Altman Z-Score | -0.68 |
Ratios Clave (10 años)
| Año | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|
| P/E | 21.63 | -570.92 | 33.10 | 23.49 | -6.16 | 12.83 | 8.17 | 14.97 | 16.59 | 14.04 |
| P/VC | 0.80 | 1.04 | 0.90 | 1.32 | 0.64 | 0.99 | 1.24 | 0.99 | 1.06 | 1.05 |
| P/V | 2.36 | 3.12 | 2.48 | 3.71 | 1.73 | 2.59 | 2.28 | 1.64 | 1.71 | 1.73 |
| Margen Bruto | 56.3% | 44.4% | 65.2% | 70.2% | 67.1% | 84.1% | 87.1% | 62.0% | 57.3% | 61.7% |
| Margen Operativo | 12.0% | -12.6% | 9.1% | 16.5% | -27.5% | 22.8% | 34.4% | 13.6% | 12.9% | 15.7% |
| Margen Neto | 10.9% | -0.5% | 7.5% | 15.8% | -28.0% | 20.2% | 28.0% | 11.0% | 10.2% | 12.3% |