CARE trades 11.8% above Wall Street's consensus target of $28.50.
Last 12 months price action with 12-month analyst target path
The base valuation assumes CARE achieves its forward estimates and maintains a stable P/E multiple of 5.0x. This scenario reflects the blended consensus of 5 Wall Street analysts, balancing both positive catalysts and macroeconomic headwinds over the next 12 months.
As of July 8, 2026, Carter Bankshares, Inc. (CARE) has a Wall Street consensus price target of $28.50, based on estimates from 5 covering analysts. With the stock currently trading at $32.32, this represents a potential downside of -11.8%. The company has a market capitalization of $718M.
Analyst price targets range from a low of $27.00 to a high of $30.00, representing a 11% spread in expectations. The median target of $28.50 aligns closely with the consensus average. The tight target dispersion indicates high conviction among analysts.
The current analyst consensus rating is Hold, with 1 analysts rating the stock as a Buy or Strong Buy,4 rating it Hold, and 0 rating it Sell or Strong Sell. The bearish sentiment suggests caution about the stock at current levels.
From a valuation perspective, CARE trades at a trailing P/E of 23.1x and forward P/E of 5.0x. Analysts expect EPS to grow +29.9% over the next year.
Our proprietary valuation model, which blends historical multiples with forward estimates, suggests a base-case price target of $40.04, with bear and bull scenarios of $25.23 and $52.76 respectively. Model confidence stands at 44/100, suggesting limited visibility into future performance.
| Company | Market Cap | Price | Target | Upside Potential | Rating | Fwd P/E | Analysts |
|---|---|---|---|---|---|---|---|
NBTBNBT Bancorp Inc. | $2.6B | $49.63 | $56.00 | +12.8% | Hold | 11.9x | 10 |
UVSPUnivest Financial Corporation | $1.2B | $43.69 | $32.50 | -25.6% | Hold | 12.0x | 6 |
NFBKNorthfield Bancorp, Inc. | $620M | $14.84 | $14.50 | -2.3% | Hold | 11.0x | 9 |
MNSBMainStreet Bancshares, Inc. | $171M | $24.05 | — | — | Hold | 10.6x | 1 |
NKSHNational Bankshares, Inc. | $231M | $36.20 | — | — | Buy | 11.2x | 4 |
UBSIUnited Bankshares, Inc. | $6.4B | $46.14 | $47.50 | +2.9% | Hold | 12.8x | 11 |
FXNCFirst National Corporation | $265M | $29.30 | $21.00 | -28.3% | Buy | 12.4x | 1 |
CFFIC&F Financial Corporation | $260M | $80.00 | — | — | — | 7.8x | — |
FISFidelity National Information Services, Inc. | $22.0B | $42.60 | $62.88 | +47.6% | Buy | 6.8x | 37 |
FISIFinancial Institutions, Inc. | $758M | $38.51 | $36.00 | -6.5% | Hold | 9.6x | 6 |
Quick answers to the most common questions about buying CARE stock.
CARE's consensus price target is $28.5, -11.8% below the current price of $32.32. The 5 analysts tracking CARE see downside risk at present valuations.
CARE has a consensus rating of "Hold" based on 5 Wall Street analysts. The rating breakdown is mixed, with 4 Hold ratings making up the largest segment. The consensus 12-month price target of $28.5 implies -11.8% downside from current levels.
With a forward P/E of 5.0264x, CARE trades at a relatively low valuation. The consensus target of $28.5 implies -11.8% move, suggesting the market may be pricing in risks.
The most bullish Wall Street analyst has a price target of $30 for CARE, while the most conservative target is $27. The consensus of $28.5 represents the median expectation. Our quantitative valuation model projects a bull case target of $53 based on optimistic growth and margin assumptions. These targets typically reflect 12-month expectations.
CARE is moderately covered, with 5 analysts providing price targets and ratings. Of these, 0 have Strong Buy ratings, 1 have Buy ratings, 4 recommend Hold, and 0 have Sell or Strong Sell ratings. Higher analyst coverage generally indicates greater institutional interest and more reliable consensus estimates.
The 12-month CARE stock forecast based on 5 Wall Street analysts shows a consensus price target of $28.5, with estimates ranging from $27 (bear case) to $30 (bull case). The median consensus rating is "Hold". Our proprietary valuation model produces a base case fair value of $40, with bear/bull scenarios of $25/$53.
Our quantitative valuation model calculates CARE's fair value at $40 (base case), with a bear case of $25 and bull case of $53. The model uses discounted cash flow analysis, historical growth rates, and margin mean-reversion to project FY+2 earnings, then applies an appropriate P/E multiple. The model confidence score is 44/100.
CARE trades at a forward P/E ratio of 5.0x based on next-twelve-months earnings estimates compared to a trailing P/E of 23.1x. The lower forward P/E indicates analysts expect earnings growth. A forward P/E is useful for comparing valuations when earnings are expected to change significantly.
Analysts are cautious on CARE, with 0 Sell ratings and a price target of $28.5 (-11.8% from current price). The "Hold" consensus suggests careful evaluation before buying. This information is for educational purposes only. Always conduct your own research, consider your financial situation, and consult a financial advisor before making investment decisions.
CARE analyst price targets range from $27 to $30, a 11% tight range reflecting strong analyst consensus. Differences stem from varying assumptions about revenue growth, profit margins, competitive dynamics, and valuation multiples. The $28.5 consensus represents the middle ground. Our model's $25-$53 range provides an independent fundamental perspective.
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