A Business at a Glance
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CARVER BANCORP INC
CARV
$7M
Mkt Cap
$1.41
-7.24%
CARVER BANCORP INC (CARV) has a 5-year average return on invested capital (ROIC) of -7.6%. This is below average and may indicate limited pricing power.
CARVER BANCORP INC (CARV) has a market capitalization of $7M. It is classified as a small-cap stock.
CARVER BANCORP INC (CARV) does not currently pay a regular dividend.
CARVER BANCORP INC (CARV) operates in the Savings Institution, Federally Chartered industry, within the Financials sector.
CARVER BANCORP INC (CARV) reported annual revenue of $37 million in its most recent fiscal year, based on SEC EDGAR filings.
CARVER BANCORP INC (CARV) has a net profit margin of -36.8%. The company is currently unprofitable.
CARVER BANCORP INC (CARV) generated $-13 million in free cash flow in its most recent fiscal year. Negative free cash flow may indicate heavy investment or operational challenges.
Carver Bancorp, Inc., a Delaware corporation (the “Company”), is the holding company for Carver Federal Savings Bank (“Carver Federal” or the “Bank”), a federally chartered savings bank. The Company is headquartered in New York, New York. The Company conducts business as a unitary savings and loan holding company, and the principal business of the Company consists of the operation of its wholly-owned subsidiary, Carver Federal. Carver Federal was founded in 1948 to serve African-American communities whose residents, businesses and institutions had limited access to mainstream financial services. The Bank remains headquartered in Harlem, and predominantly all of its seven branches are located in low- to moderate-income neighborhoods. Many of these historically underserved communities have experienced unprecedented growth and diversification of incomes, ethnicity and economic opportunity, after decades of public and private investment.
| Metric | TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|---|
| Revenue | 23M | 37M | 41M | 31M | 30M | 27M |
| Net Income | -13M | -14M | -3.0M | -4.4M | -847K | -3.9M |
| EPS | $-2.47 | $-2.65 | $-0.61 | $-1.03 | $-0.24 | $-1.14 |
| Free Cash Flow | -9.4M | -13M | -6.9M | -11M | 7.0M | 2.0M |
| ROIC | 0.0% | -19.8% | -3.4% | -5.6% | -1.4% | -7.7% |
| Gross Margin | - | 56.3% | 71.7% | 84.0% | 90.1% | 82.9% |
| Debt/Equity | 1.02 | 0.68 | 1.10 | 0.90 | 0.29 | 0.00 |
| Dividends/Share | $0.00 | - | - | - | - | - |
| Operating Income | 0 | - | - | - | - | - |
| Operating Margin | 0.0% | - | - | - | - | - |
| ROE | -48.4% | -38.2% | -6.8% | -8.8% | -1.6% | -7.7% |
| Shares Outstanding | 5M | 5M | 5M | 4M | 4M | 3M |
| Metric | |||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Income Statement | |||||||||||||
| Revenue | 30M | 28M | 33M | 31M | 39M | 28M | 25M | 27M | 30M | 31M | 41M | 37M | 23M |
| Gross Margin | 85.4% | 75.7% | 81.3% | 83.9% | 86.0% | 77.0% | 77.7% | 82.9% | 90.1% | 84.0% | 71.7% | 56.3% | N/A |
| R&D | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| SG&A | 27M | 27M | 28M | 29M | 28M | 28M | 25M | 26M | 28M | 31M | 32M | 35M | -15M |
| EBIT | -836K | -272K | -170K | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |
| Op. Margin | -2.8% | -1.0% | -0.5% | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0.0% |
| Net Income | -836K | -272K | -1.8M | -2.9M | 2.1M | -5.9M | -5.4M | -3.9M | -847K | -4.4M | -3.0M | -14M | -13M |
| Net Margin | -2.8% | -1.0% | -5.4% | -9.3% | 5.5% | -21.3% | -21.4% | -14.7% | -2.8% | -14.1% | -7.3% | -36.8% | -57.3% |
| Non-Recurring | 552K | 8K | 1K | 58K | 0 | -43K | 0 | 1.2M | 0 | 0 | 0 | 0 | 0 |
| Returns on Capital | |||||||||||||
| ROIC | -1.4% | -0.5% | -3.4% | -5.7% | 4.3% | -12.0% | -11.3% | -7.7% | -1.4% | -5.6% | -3.4% | -19.8% | 0.0% |
| ROE | -1.5% | -0.5% | -3.4% | -5.7% | 4.3% | -12.0% | -11.3% | -7.7% | -1.6% | -8.8% | -6.8% | -38.2% | -48.4% |
| ROA | -0.1% | -0.0% | -0.2% | -0.4% | 0.3% | -0.9% | -0.9% | -0.6% | -0.1% | -0.6% | -0.4% | -1.8% | -1.9% |
| Cash Flow | |||||||||||||
| Op. Cash Flow | 16M | 3.6M | 420K | 827K | -5.0M | -8.8M | -31K | 2.2M | 7.2M | -11M | -6.6M | -13M | -9.0M |
| Free Cash Flow | 15M | 3.3M | -154K | 565K | -6.6M | -12M | -1.3M | 2.0M | 7.0M | -11M | -6.9M | -13M | -9.4M |
| Owner Earnings | 14M | 2.6M | -995K | -40K | -5.9M | -9.6M | -1.0M | 1.2M | 6.0M | -12M | -7.8M | -13M | -29M |
| CapEx | 305K | 289K | 574K | 262K | 1.6M | 2.9M | 1.3M | 256K | 192K | 225K | 360K | 331K | 355K |
| Maint. CapEx | 1.1M | 1.1M | 1.4M | 867K | 897K | 793K | 965K | 1.0M | 1.0M | 1.1M | 965K | 813K | 20M |
| Growth CapEx | 0 | 0 | 0 | 0 | 705K | 2.1M | 321K | 0 | 0 | 0 | 0 | 0 | 0 |
| D&A | 1.1M | 1.1M | 1.4M | 867K | 897K | 793K | 965K | 1.0M | 1.0M | 1.1M | 965K | 813K | 20M |
| CapEx/OCF | 2.0% | 8.0% | 136.7% | 31.7% | N/A | N/A | N/A | 11.6% | 2.7% | N/A | N/A | N/A | 0.0% |
| Capital Allocation | |||||||||||||
| Dividends Paid | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Dividend Yield | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Share Buybacks | 0 | 0 | 0 | 0 | 0 | 0 | 2.5M | 2.5M | 0 | 0 | 0 | 0 | 0 |
| Buyback Yield | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 7.6% | N/A | N/A | N/A | N/A | 0.0% |
| Stock-Based Comp | 2K | 4K | 0 | 0 | 0 | 35K | 38K | 36K | 122K | 91K | 220K | 66K | 52K |
| Debt Repayment | 0 | 0 | 15M | 19M | 11M | 17M | 8.0M | 24M | 24M | 3K | 0 | 28M | 28M |
| Balance Sheet | |||||||||||||
| Net Debt | -216M | N/A | N/A | N/A | N/A | N/A | N/A | -162M | -113M | -55M | -61M | -75M | -57M |
| Cash & Equiv. | 123M | 51M | 63M | 59M | 135M | 31M | 48M | 76M | 61M | 43M | 59M | 50M | 85M |
| Long-Term Debt | 5.0M | N/A | N/A | N/A | N/A | N/A | N/A | 0 | 16M | 41M | 46M | 20M | 4.1M |
| Debt/Equity | 0.10 | 11.76 | 13.25 | 13.51 | 12.35 | 10.96 | 10.84 | 0.00 | 0.29 | 0.90 | 1.10 | 0.68 | 1.02 |
| Interest Coverage | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Equity | 52M | 53M | 52M | 47M | 52M | 47M | 49M | 52M | 55M | 45M | 42M | 30M | 27M |
| Total Assets | 640M | 676M | 739M | 688M | 694M | 564M | 579M | 677M | 735M | 723M | 757M | 730M | 698M |
| Total Liabilities | 589M | 622M | 687M | 640M | 642M | 517M | 530M | 624M | 680M | 678M | 714M | 700M | 671M |
| Intangibles | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Retained Earnings | -45M | -46M | -48M | -51M | -46M | -52M | -52M | -43M | -44M | -48M | -52M | -65M | -69M |
| Working Capital | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Current Assets | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Current Liabilities | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Per Share Data | |||||||||||||
| EPS | -0.23 | -0.07 | -0.48 | -0.77 | 0.58 | -1.60 | -1.47 | -1.14 | -0.24 | -1.03 | -0.61 | -2.65 | -2.47 |
| Owner EPS | 3.98 | 0.66 | -0.27 | -0.01 | -1.59 | -2.59 | -0.28 | 0.34 | 1.70 | -2.73 | -1.59 | -2.60 | -5.57 |
| Book Value | 14.18 | 13.62 | 14.09 | 12.79 | 14.03 | 12.71 | 13.25 | 15.30 | 15.61 | 10.58 | 8.67 | 5.70 | 5.09 |
| Cash Flow/Share | 4.28 | 0.93 | 0.11 | 0.22 | -1.35 | -2.36 | -0.01 | 0.65 | 2.03 | -2.46 | -1.35 | -2.43 | 1.39 |
| Dividends/Share | 0.00 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0.00 |
| Shares Out. | 3.6M | 3.9M | 3.7M | 3.7M | 3.7M | 3.7M | 3.7M | 3.4M | 3.5M | 4.3M | 4.9M | 5.2M | 5.3M |
| Valuation | |||||||||||||
| P/E Ratio | N/A | N/A | N/A | N/A | 5.0 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | -0.6 |
| P/FCF | 2.8 | 6.5 | N/A | 22.7 | N/A | N/A | N/A | 16.9 | 3.5 | N/A | N/A | N/A | N/A |
| EV/EBIT | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Price/Book | 1.0 | 0.8 | 0.3 | 0.3 | 0.5 | 0.3 | 0.2 | 0.6 | 0.4 | 0.4 | 0.2 | 0.2 | 0.3 |
| Price/Sales | 1.2 | 2.8 | 0.7 | 0.6 | 0.8 | 0.7 | 0.5 | 1.0 | 1.5 | 0.9 | 0.4 | 0.4 | 0.3 |
| FCF Yield | 31.1% | 7.6% | -1.0% | 4.4% | -24.4% | -75.3% | -17.9% | 5.9% | 28.5% | -62.4% | -92.8% | -179.5% | -126.1% |
| Market Cap | 49M | 44M | 16M | 13M | 27M | 15M | 7.3M | 33M | 24M | 17M | 7.5M | 7.2M | 7.5M |
| Avg. Price | 7.39 | 8.57 | 5.02 | 4.13 | 3.07 | 4.13 | 2.91 | 6.15 | 11.87 | 5.50 | 2.50 | 1.73 | 1.41 |
| Year-End Price | 11.90 | 5.55 | 4.40 | 3.46 | 2.92 | 4.17 | 1.99 | 9.68 | 6.92 | 4.03 | 1.53 | 1.39 | 1.41 |
CARVER BANCORP INC passes 1 of 9 quality checks, indicating weak fundamentals.
The company's 5-year average gross margin is 77.0%. At current prices, the estimated annualized return to fair value is +29.1%.
CARVER BANCORP INC (CARV) has a debt-to-equity ratio of 0.68. This indicates moderate leverage.
CARVER BANCORP INC (CARV) reported earnings per share (EPS) of $-2.65 in its most recent fiscal year.
CARVER BANCORP INC (CARV) has a return on equity (ROE) of -38.2%. A negative ROE may indicate losses or negative equity.
CARVER BANCORP INC (CARV) has a 5-year average gross margin of 77.0%. This high margin suggests strong pricing power and a potential competitive moat.
The Ledger Terminal provides 16 years of financial data for CARVER BANCORP INC (CARV), sourced directly from SEC EDGAR filings. This includes income statements, balance sheets, cash flow statements, and key financial ratios.
CARVER BANCORP INC (CARV) has a book value per share of $5.70, based on its most recent annual SEC filing.