CARE FINANCIAL STATEMENTS

Carter Bank and Trust — balance sheet, income statement and cash flow trends

CARECarter Bank and Trust

🇺🇸 USA · NASDAQ · Financial Services · Banks - Regional

Value it Duel

Income Statement

Quarterly progression — trailing-twelve-month values

RevenueNet Income

Profit Funnel

Q1 2026 · TTM

Percentages are relative to revenue.

Key Figures

YoY change

Revenue319.9 M $+31.5%

Gross Profit257 M $+79.8%

Operating Income138.9 M $+299.5%

EBITDA147 M $+249.4%

Net Income108.2 M $+291.0%

Peer Comparison· Banks - Regional

Company	Rev. Growth	Gross Margin	EBITDA Margin	Net Margin
CARE	—	—	—	33.8%
NWG	—	—	—	20.1%
TSKB	—	—	—	54.9%
LLOY	—	—	—	25.9%
SKBNK	—	—	—	14.2%
LB	—	—	—	1.4%
Industry median	—	67.2%	20.4%	20.6%

Balance Sheet

Quarterly period-end values

Total AssetsTotal LiabilitiesEquity

Capital Structure

Q1 2026

Equity504.9 M $11%
Current Liabilities4.2 B $88%
Long-term Liabilities59.1 M $1%

Key Figures

YoY change

Total Assets4.8 B $+2.1%

Total Liabilities4.3 B $-0.1%

Total Equity504.9 M $+25.7%

Cash & ST Investments584 M $-24.2%

Total Debt——

Net Debt-228.3 M $—

Peer Comparison· Banks - Regional

Company	Current Ratio	Debt/Equity	NetDebt/EBITDA	Equity/Assets
CARE	0.14	—	—	10.5%
NWG	0.25	17.0%	-14.68	5.2%
TSKB	—	0.0%	-0.47	13.4%
LLOY	0.12	209.8%	5.39	5.0%
SKBNK	—	0.0%	-13.41	5.9%
LB	0.01	744.5%	280.57	5.3%
Industry median	0.31	38.0%	-0.58	11.0%

Company	Current Ratio	Debt/Equity	NetDebt/EBITDA	Equity/Assets
CARE	0.14	—	—	10.5%
SPFI	0.22	12.0%	-9.62	10.9%
HIFS	70.28	292.9%	20.74	10.6%
IBCP	61.78	14.5%	0.28	9.2%
WASH	—	116.6%	8.42	8.5%
SHBI	42.84	16.5%	0.57	9.7%
Industry median	0.31	38.0%	-0.58	11.0%

Cash Flow Statement

Quarterly progression — trailing-twelve-month values

Operating Cash FlowCapital ExpendituresFree Cash Flow

Cash Flow Bridge

Q1 2026 · TTM

Key Figures

YoY change

Operating Cash Flow337.4 M $+1,213.9%

Capital Expenditures8.1 M $-3.4%

Free Cash Flow329.3 M $+1,800.5%

Dividends Paid——

Peer Comparison· Banks - Regional

Company	CF Margin	FCF Margin	CapEx Ratio	CF/Net Income
CARE	105.5%	102.9%	2.5%	311.9%
NWG	—	—	0.0%	—
TSKB	54.9%	71.9%	17.0%	100.0%
LLOY	—	—	0.0%	—
SKBNK	14.2%	31.2%	17.0%	100.0%
LB	-1.8%	-3.5%	1.7%	-134.2%
Industry median	23.6%	22.1%	1.5%	111.4%

Company	CF Margin	FCF Margin	CapEx Ratio	CF/Net Income
CARE	105.5%	102.9%	2.5%	311.9%
SPFI	22.6%	20.7%	2.0%	111.3%
HIFS	16.5%	16.3%	0.1%	74.4%
IBCP	11.6%	8.3%	3.2%	51.3%
WASH	20.4%	14.1%	0.8%	146.4%
SHBI	21.5%	20.5%	0.9%	118.1%
Industry median	23.6%	22.1%	1.5%	111.4%

Amounts are in the company’s reporting currency. Peer comparison tables use ratio-based metrics so currency differences do not distort the picture.

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Data on this page refreshes once per day. Price data as of Jul 2, 26. This content is for informational purposes only and is not investment advice.