Carter Bank and Trust (CARE) — Cash Flow Quality Index
Carter Bank and Trust (CARE) has a Cash Flow Quality Index of 2.18x as of September 2025. Operating cash flow of $11.81 Million exceeds net income of $5.42 Million, indicating high earnings quality where cash backs reported profits. Explore Carter Bank and Trust long-term investment intensity to see how much of total assets are deployed in long-term investments.
Cash Flow Quality Index
Operating Cash Flow
Net Income
Data as of
Carter Bank and Trust Cash Flow Quality Index (2006–2024)
Historical Cash Flow Quality Index for Carter Bank and Trust across 17 annual periods. Values consistently above 1.0x indicate high-quality earnings. Check Carter Bank and Trust tangible net worth ratio to evaluate the tangible quality of the company's equity base.
Annual Cash Flow Quality Index for Carter Bank and Trust (2006–2024)
Year-by-year earnings quality comparison for Carter Bank and Trust. For live market cap and the full company financial profile, see market value of Carter Bank and Trust.
| Year | Quality Index | Operating CF (USD) | Net Income | YoY Change |
|---|---|---|---|---|
| 2024 | 1.51x | $36.94 Million | $24.52 Million | ▼ -24.6% |
| 2023 | 2.00x | $46.73 Million | $23.38 Million | ▲ +41.5% |
| 2022 | 1.41x | $70.79 Million | $50.12 Million | ▼ -42.5% |
| 2021 | 2.45x | $77.54 Million | $31.59 Million | ▲ +70.4% |
| 2019 | 1.44x | $38.29 Million | $26.57 Million | ▼ -65.3% |
| 2018 | 4.15x | $49.40 Million | $11.90 Million | ▲ +103.0% |
| 2016 | 2.04x | $32.66 Million | $15.98 Million | ▲ +49.1% |
| 2015 | 1.37x | $53.66 Million | $39.16 Million | ▲ +4.6% |
| 2014 | 1.31x | $43.85 Million | $33.46 Million | ▼ -7.4% |
| 2013 | 1.42x | $36.92 Million | $26.08 Million | ▼ -4.0% |
| 2012 | 1.48x | $44.77 Million | $30.35 Million | ▲ +23.0% |
| 2011 | 1.20x | $36.10 Million | $30.09 Million | ▼ -38.0% |
| 2010 | 1.93x | $44.06 Million | $22.78 Million | ▲ +478.3% |
| 2009 | 0.33x | $5.94 Million | $17.77 Million | ▼ -84.7% |
| 2008 | 2.19x | $21.27 Million | $9.71 Million | ▲ +24.0% |
| 2007 | 1.77x | $23.27 Million | $13.17 Million | ▼ -15.4% |
| 2006 | 2.09x | $3.95 Million | $1.89 Million | — |