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Income Statement (USD)
| Q3 '25 | QoQ | |
|---|---|---|
| Revenue | 64M | 3.1% |
| Gross Profit | 35M | 10.4% |
| Cost of Revenue | 29M | 26.2% |
| Operating expense | 28M | 2% |
| Net Income | 5.4M | 36.3% |
| EBITDA | 9.1M | 27.4% |
Balance Sheet (USD)
| Q3 '25 | QoQ | |
|---|---|---|
| Total Assets | 4.84B | 1.2% |
| Total Liabilities | 4.43B | 1.1% |
| Total Equity | 413M | 1.8% |
| Shares Outstanding | 22M | 2.2% |
Cash Flow (USD)
| Q3 '25 | QoQ | |
|---|---|---|
| Cash from operations | 12M | 23.1% |
| Cash from investing | -50M | 271.8% |
| Cash from financing | 45M | 206.5% |
EPS
Financial Highlights for Carter Bank and Trust in Q3 '25
Carter Bank and Trust reported a revenue of 64M, which is a 3.1% change from the previous quarter. An increase in revenue typically indicates growing demand for the company's products or services. This positive change in revenue is a good sign, suggesting that the company's sales are moving in the right direction.
Gross Profit stood at 35M, marking a -10.4% change since the last quarter. Gross profit showcases the efficiency in production and sales processes.
Cost of Revenue was 29M, a 26.2% difference from the previous quarter. A rising cost of revenue may suggest increased production or sales costs, which can impact margins. However, if accompanied by a proportionate rise in revenue, it could indicate scaling operations.
Operating Expenses for this period were 28M, showing a -2% change from the last quarter. Operating expenses cover the costs of running daily business operations. A significant increase might indicate inefficiencies or investments in growth, while a decrease could suggest cost-saving measures or potential underinvestment in key areas.
Net Income for the quarter was 5.4M, showing a -36.3% change from the prior quarter. Net income provides a clear picture of the company's profitability after all expenses. An increase suggests the company is becoming more profitable, while a decrease may raise concerns about the company's financial health, unless there are specific one-time costs or investments.
The company's EBITDA for the quarter was 9.1M, showing a -27.4% change from the previous period. EBITDA gives insight into the company's operational profitability, excluding non-operating expenses like interest and taxes. A rising EBITDA indicates strong operational performance, while a declining EBITDA may signal operational challenges or increased costs.
Carter Bank and Trust faced some challenges this quarter with a decline in one or more of the key metrics: revenue, gross profit, or net income. An increase in the cost of revenue, higher than the revenue growth, suggests potential margin pressures. A decline in EBITDA signals potential operational challenges or increased costs.
