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CARVER BANCORP INC

Data quality: 100%
CARV
OTC Financial Services Depository Institutions
$1.75
▼ $0.04 (-2.23%)
Mkt Cap: 9.04 M
Price
$1.71
Mkt Cap
9.04 M
Day Range
—
52-Week Range
—
Volume
—
Open —
50D / 200D Avg
—
50D / 200D Avg
—

Quick Summary

Key Takeaways

Negative free cash flow of -9.40 M

Growth

Revenue Growth (5Y)
N/A
Revenue (1Y)1.52%
Earnings (1Y)N/A
FCF Growth (3Y)N/A

Quality

Return on Equity
-46.97%
Below sector avg (9.24%)
ROICN/A
Net Margin-433.80%
Op. MarginN/A

Safety

Debt / Equity
N/A
Current RatioN/A
Interest CoverageN/A

Valuation

PE (TTM)
-0.69
Below sector avg (11.15)
P/B Ratio0.34
EV/EBITDAN/A
Dividend YieldN/A

Price History

Financial Trends

Peer Comparison

vs Financial Services sector median (2180 peers)
Metric Stock Sector Median
P/E -0.7 11.1
P/B 0.3 1.2
ROE % -47.0 9.2
Net Margin % -433.8 9.4
Rev Growth 5Y % — 5.8
D/E — 0.5

Analyst Price Target

No analyst coverage available

Earnings Estimates

No forward estimates available

Earnings Surprises

Last 4 quarters
Quarter Est. EPS Actual EPS Surprise
Q42010 N/A -$49.50 —
Q32010 N/A -$141.45 —
Q22010 N/A -$16.35 —
Q12010 N/A -$14.55 —

All Fundamental Metrics
Growth
Revenue Growth (1Y) 1.52% Revenue Growth (3Y) 1.78%
Earnings Growth (1Y) N/A Earnings Growth (3Y) N/A
Revenue Growth (5Y) N/A Earnings Growth (5Y) N/A
Profitability
Revenue (TTM) 3.00 M Net Income (TTM) -13.03 M
ROE -46.97% ROA -1.85%
Gross Margin N/A Operating Margin N/A
Net Margin -433.80% Free Cash Flow (TTM) -9.40 M
ROIC N/A FCF Growth (3Y) N/A
Safety
Debt / Equity N/A Current Ratio N/A
Interest Coverage N/A Asset Turnover 0.00
Working Capital N/A Tangible Book Value 26.93 M
Dividends
Dividend Yield N/A Payout Ratio N/A
Dividend Growth (3Y) N/A Dividend Growth (5Y) N/A
Consecutive Div Years N/A
Valuation
P/E Ratio -0.69 Forward P/E N/A
P/B Ratio 0.34 P/S Ratio 3.01
PEG Ratio N/A Forward PEG N/A
EV/EBITDA N/A Fwd EV/EBITDA N/A
Forward P/S N/A Fwd Earnings Yield N/A
FCF Yield -104.00%
Market Cap 9.04 M Enterprise Value -31.71 M
Per Share
EPS (Diluted TTM) -2.49 Revenue / Share 0.57
FCF / Share -1.78 OCF / Share -1.71
EPS CAGR (1Y) N/A EPS CAGR (5Y) N/A
EPS CAGR (10Y) N/A
Efficiency
CapEx / Revenue 11.82% FCF Conversion 72.18%
SBC-Adj. FCF -9.42 M Growth Momentum N/A

Income Statement

Annual, most recent first
Metric FY2025 FY2024 FY2023 FY2022 FY2021
Revenue 3.00 M 2.96 M 2.90 M 4.98 M —
Net Income -13.74 M -2.98 M -4.40 M -847,000.0 -3.90 M
EPS (Diluted) -2.65 -0.61 -1.03 -0.24 -1.14
Gross Profit — — — — —
Operating Income — — — — —
EBITDA — — — — —
R&D Expenses — — — — —
SG&A Expenses 596,000.0 481,000.0 505,000.0 505,000.0 160,000.0
D&A — — — — —
Interest Expense 19.15 M 11.46 M 4.91 M 2.40 M 4.42 M
Income Tax 0.0 0.0 0.0 0.0 0.0

Balance Sheet

Annual, most recent first
Metric FY2025 FY2024 FY2023 FY2022 FY2021
Total Assets 729.99 M 756.80 M 723.22 M 735.31 M 676.75 M
Total Liabilities 700.41 M 714.49 M 678.00 M 680.23 M 624.45 M
Shareholders' Equity 29.58 M 42.31 M 45.22 M 55.09 M 52.30 M
Total Debt 20.22 M 46.43 M 40.90 M 15.91 M —
Cash & Equivalents 50.32 M 59.03 M 42.55 M 61.02 M 75.59 M
Current Assets — — — — —
Current Liabilities — — — — —