Q2 FY2026 EarningsFY26 Q2 beat consensus across all key metrics: EPS $1.31 vs. $1.18 expected, and revenue $68.7M vs. $55.9M expected. Performance was driven by a significant $35.9M gain from the Bearing Insurance Group sale, which funded a strategic portfolio repositioning and the total repayment of FHLB borrowings. Asset quality improved dramatically with the NPL ratio falling to 1.01% following the full exit of the James C. Justice II lending relationship, while NIM expanded 58bps YoY to 3.38%.
Financial report interval: 2026.03.30 - 2026.06.30
Overview: Carter Bankshares(CARE) the Revenue is 68.68 M (+83.45%), Beat estimate;the EBIT is 38.69 M (+375.7%), Beat estimate;the EPS is 1.31 (+254.1%), Beat estimate.
Actual
YoY
Estimate
YoY
Vs estimate
YoY
RevenueExceed expectations
0.07B83.45%
0.06B49.31%
+0.01B34.14%
EBITExceed expectations
0.04B375.71%
0.04B343.82%
+0.00B31.89%
EPSExceed expectations
1.31254.05%
1.1825219.59%
+0.127534.46%
Revenue
ActualEstimateUnit: USD
qf
EBIT
ActualEstimateUnit: USD
qf
Net income
ActualEstimateUnit: USD
qf
EPS
ActualEstimateUnit: USD
qf