Carter Bank and Trust (CARE) — Cash Flow Quality Index
Latest as of September 2025:
2.18x
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 CARE cash flow to debt ratio to assess how comfortably operating cash covers total debt obligations.
Cash Flow Quality Index
2.18x
Operating CF / Net Income
Operating Cash Flow
$11.81 Million
USD
Net Income
$5.42 Million
USD
Data as of
Sep 2025
Most recent filing
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. For the full cash flow conversion analysis, see CARE operating cash flow.
Annual Cash Flow Quality Index for Carter Bank and Trust (2006–2024)
Year-by-year earnings quality comparison for 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 | — |
Cash Flow Quality Index = Operating Cash Flow / Net Income. Ratios above 1.0x indicate cash-backed earnings.