NASDAQ$CARE

Carter Bankshares Inc · Q1 2025 earnings

Q1 2025 earnings · · Before market open · Investor relations

Briefing

Carriage Services reported Q1 2025, revenue of $56M, net income of $9M, diluted EPS of $0.35.

For Q1 2025, Carriage Services reported revenue of $56M, net income of $9M, diluted EPS was $0.35. Management discusses operating trends, capital, and sector risks in the quarterly filing.

  • Q1 2025 revenue $56M.
  • Net income $9M.
  • Diluted EPS $0.35.

Headline financials

Total Revenue

$37M

Previous: $33.5M+10.7%
EPS (adj)

$0.35

Previous: $0.25+40.0%
Net Interest Margin

2.7%

No prior period
Efficiency Ratio

75.7%

No prior period
Tier 1 Capital Ratio

11.0%

Previous: 10.9%+1.1%
Leverage Ratio

9.7%

Previous: 9.3%+3.5%
Total Risk-Based Capital Ratio

12.3%

Previous: 12.2%+1.0%
NPLs to Total Loans

7.1%

Previous: 8.8%-19.1%
ACL to Total Loans

2.0%

Previous: 2.8%-27.6%
ACL to NPLs

28.1%

Previous: 31.4%-10.5%
Net Loan Charge-offs QTD

$57K

No prior period
Net Charge-offs Annualized

0.0%

No prior period
Capital Expenditures

-$1.52M

Previous: -$1.31M-16.7%
Net Income

$8.95M

Previous: $5.81M+54.1%
Operating Income

$11.1M

Previous: -$22K+50718.2%

Revenue & EPS history

Carter Bankshares · Revenue · Quarterly

$37M

Q1 2025+10.7%vs Q1 2024
Beat estimate in 7 of 15 quarters(47%)
ActualEstimate

Forward guidance

Regional banks discuss net interest margin, credit quality, and capital returns rather than long-range EPS guidance in the 10-Q.

Tailwinds

  • Net interest income and margin trends when rates cooperate.
  • Deposit franchise and liquidity strength.
  • Dividend capacity from earnings.

Headwinds

  • Credit provision and loan growth uncertainty.
  • Interest rate and funding cost pressure.
  • Commercial real estate exposure where applicable.

Historical earnings impact

How earnings announcements have historically affected this stock's price.

Avg. return before/after earnings

Based on 20 quarterly earnings reports · overlaid with Q1 2025

Historical avgQ1 2025

+0.0%

Avg return

Earnings day

+0.7%

Avg return

5 days after

+4.3%

Avg return

30 days after

45%

25 / 56 earnings

Positive

+8.8%

Q1 2017

Best reaction

-14.0%

Q1 2020

Worst reaction

Earnings price reactions
QuarterReport dateReaction (Day 0)+5 days+30 days
Q1 2026-2.1%+1.8%+12.5%
Q4 2025+2.7%+10.1%+4.6%
Q3 2025-6.3%-5.1%-6.9%
Q1 2025+1.4%+0.6%+6.8%
Q4 2024+1.4%+0.9%-1.9%
Q3 2024-2.0%-0.6%+0.3%
Q2 2024+0.5%-2.9%+2.6%
Q1 2024+4.9%+5.5%+12.0%
Q4 2023+4.5%+5.2%-5.4%
Q3 2023+3.1%+5.8%+19.0%
Q2 2023-9.4%-10.7%-15.5%
Q1 2023+0.9%+0.1%+12.3%
Q4 2022-0.2%+3.0%+7.2%
Q3 2022+4.4%+6.6%+7.8%
Q2 2022+0.1%+5.2%+22.3%
Q1 2022-2.9%-4.6%-12.8%
Q1 2019+3.5%+3.1%+9.0%
Q2 2019+3.5%+3.1%+9.0%
Q4 2021-0.4%-1.2%+7.8%
Q3 2021+2.1%+7.6%-0.5%
Q2 2021+5.2%+4.5%+12.8%
Q1 2021-1.9%+0.0%+18.0%
Q4 2020-3.0%+0.3%+14.6%
Q3 2020+1.0%+8.4%+43.8%
Q2 2020-1.6%-3.7%-3.7%
Q1 2020-14.0%-23.8%-31.4%
Q4 2019-1.0%-2.4%-13.9%
Q3 2019-0.3%+0.2%+3.9%
Q4 2018+3.4%+3.7%+13.6%
Q3 2018+0.0%-1.5%-10.6%
Q2 2018+1.9%+0.8%+1.0%
Q1 2018-0.3%-0.3%+2.8%
Q4 2017-1.7%-1.4%+0.3%
Q3 2017-0.9%-0.3%-3.5%
Q2 2017-0.1%-0.1%+2.3%
Q1 2017+8.8%+8.1%+10.1%
Q4 2016-0.7%-0.3%+17.4%
Q3 2016+1.0%+0.6%-7.5%
Q2 2016-0.6%-0.6%+9.1%
Q1 2016-2.2%
Q4 2015-1.1%
Q3 2015+1.0%
Q2 2015+2.4%
Q1 2015-1.4%
Q4 2014-0.6%
Q3 2014+0.3%
Q2 2014-1.7%
Q1 2014-0.8%
Q4 2013+0.7%
Q3 2013+0.0%
Q2 2013-3.7%
Q1 2013+0.0%
Q4 2012+1.1%
Q3 2012+0.0%
Q2 2012+1.9%
Q1 2012+0.0%

Discussion

Share your read of this quarter. Sign-in carries your eToro identity.

Join the conversation

Sign in with eToro to post your read of this quarter and vote on others'.

Sign in with eToro