Carter Bank and Trust Cash Flow Quality Index
Carter Bank and Trust 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. See CARE financial flexibility score to measure the company's free cash flow as a share of total liabilities.
Cash Flow Quality Index
Operating Cash Flow
Net Income
Data as of
Cash Flow Quality Index of Carter Bank and Trust (2006–2024)
Cash flow quality index of Carter Bank and Trust from 2006 to 2024. Historical Cash Flow Quality Index for Carter Bank and Trust across 17 annual periods. Values consistently above 1.0x indicate high-quality earnings. Explore Carter Bank and Trust debt service capacity to assess how comfortably operating cash covers total debt obligations.
Carter Bank and Trust Cash Flow Quality Index by Year (2006–2024)
Carter Bank and Trust cash flow quality index by year from 2006 to 2024. Year-by-year earnings quality comparison for Carter Bank and Trust. For the full cash flow conversion analysis, see cash flow conversion 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 | — |