CARVER BANCORP INC (CARV)

US1468756044 - Common Stock

1.58  -0.05 (-3.07%)

Fundamental Rating

1

CARV gets a fundamental rating of 1 out of 10. The analysis compared the fundamentals against 412 industry peers in the Banks industry. Both the profitability and financial health of CARV have multiple concerns. CARV has a expensive valuation and it also scores bad on growth.



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1. Profitability

1.1 Basic Checks

In the past year CARV has reported negative net income.
CARV had a negative operating cash flow in the past year.
CARV had negative earnings in each of the past 5 years.
The reported operating cash flow has been mixed in the past 5 years: CARV reported negative operating cash flow in multiple years.

1.2 Ratios

The Return On Assets of CARV (-0.58%) is worse than 96.60% of its industry peers.
CARV's Return On Equity of -10.52% is on the low side compared to the rest of the industry. CARV is outperformed by 97.33% of its industry peers.
Industry RankSector Rank
ROA -0.58%
ROE -10.52%
ROIC N/A
ROA(3y)-0.43%
ROA(5y)-0.66%
ROE(3y)-6.24%
ROE(5y)-8.49%
ROIC(3y)N/A
ROIC(5y)N/A

1.3 Margins

CARV does not have Profit Margin and Operating Margin and Gross Margin available, so we won't be analyzing them here.
Industry RankSector Rank
OM N/A
PM (TTM) N/A
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3YN/A
GM growth 5YN/A

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1

2. Health

2.1 Basic Checks

CARV does not have a ROIC to compare to the WACC, probably because it is not profitable.
The number of shares outstanding for CARV has been increased compared to 1 year ago.
Compared to 5 years ago, CARV has more shares outstanding
Compared to 1 year ago, CARV has a worse debt to assets ratio.

2.2 Solvency

A Debt/Equity ratio of 0.00 indicates that CARV is not too dependend on debt financing.
CARV's Debt to Equity ratio of 0.00 is amongst the best of the industry. CARV outperforms 87.38% of its industry peers.
Industry RankSector Rank
Debt/Equity 0
Debt/FCF N/A
Altman-Z N/A
ROIC/WACCN/A
WACC11.94%

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A

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1

3. Growth

3.1 Past

The earnings per share for CARV have decreased strongly by -55.88% in the last year.
The Revenue has grown by 10.47% in the past year. This is quite good.
CARV shows a decrease in Revenue. Measured over the last years, the Revenue has been decreasing by -4.62% yearly.
EPS 1Y (TTM)-55.88%
EPS 3YN/A
EPS 5YN/A
EPS growth Q2Q100.94%
Revenue 1Y (TTM)10.47%
Revenue growth 3Y10.16%
Revenue growth 5Y-4.62%
Revenue growth Q2Q30.34%

3.2 Future

No EPS estimates are available, so we could not analyze the future EPS growth and evolution.
No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next YearN/A
Revenue Next 2YN/A
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

No EPS estimates are available, so we could not analyze the future EPS growth and evolution.
No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.

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4. Valuation

4.1 Price/Earnings Ratio

The Price/Earnings Ratio is negative for CARV. In the last year negative earnings were reported.
Industry RankSector Rank
PE N/A
Fwd PE N/A

4.2 Price Multiples

Industry RankSector Rank
P/FCF N/A
EV/EBITDA N/A

4.3 Compensation for Growth

PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2YN/A
EPS Next 3YN/A

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5. Dividend

5.1 Amount

CARV does not give a dividend.
Industry RankSector Rank
Dividend Yield N/A

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CARVER BANCORP INC

NASDAQ:CARV (5/1/2024, 3:30:02 PM)

1.58

-0.05 (-3.07%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners
Inst Owner Change
Ins Owners
Ins Owner Change
Market Cap7.88M
Analysts
Price Target
Dividend
Industry RankSector Rank
Dividend Yield N/A
Dividend Growth(5Y)
DP
Div Incr Years
Div Non Decr Years
Ex-Date
Surprises & Revisions
EPS beat(2)
Avg EPS beat(2)
Min EPS beat(2)
Max EPS beat(2)
EPS beat(4)
Avg EPS beat(4)
Min EPS beat(4)
Max EPS beat(4)
EPS beat(8)
Avg EPS beat(8)
EPS beat(12)
Avg EPS beat(12)
EPS beat(16)
Avg EPS beat(16)
Revenue beat(2)
Avg Revenue beat(2)
Min Revenue beat(2)
Max Revenue beat(2)
Revenue beat(4)
Avg Revenue beat(4)
Min Revenue beat(4)
Max Revenue beat(4)
Revenue beat(8)
Avg Revenue beat(8)
Revenue beat(12)
Avg Revenue beat(12)
Revenue beat(16)
Avg Revenue beat(16)
PT rev (1m)
PT rev (3m)
EPS NQ rev (1m)
EPS NQ rev (3m)
EPS NY rev (1m)
EPS NY rev (3m)
Revenue NQ rev (1m)
Revenue NQ rev (3m)
Revenue NY rev (1m)
Revenue NY rev (3m)
Valuation
Industry RankSector Rank
PE N/A
Fwd PE N/A
P/S
P/FCF
P/OCF
P/B
P/tB
EV/EBITDA
EPS(TTM)
EY
EPS(NY)
Fwd EY
FCF(TTM)
FCFY
OCF(TTM)
OCFY
SpS
BVpS
TBVpS
PEG (NY)N/A
PEG (5Y)N/A
Profitability
Industry RankSector Rank
ROA -0.58%
ROE -10.52%
ROCE
ROIC
ROICexc
ROICexgc
OM N/A
PM (TTM) N/A
GM N/A
FCFM
ROA(3y)
ROA(5y)
ROE(3y)
ROE(5y)
ROIC(3y)
ROIC(5y)
ROICexc(3y)
ROICexc(5y)
ROICexgc(3y)
ROICexgc(5y)
ROCE(3y)
ROCE(5y)
ROICexcg growth 3Y
ROICexcg growth 5Y
ROICexc growth 3Y
ROICexc growth 5Y
OM growth 3Y
OM growth 5Y
PM growth 3Y
PM growth 5Y
GM growth 3Y
GM growth 5Y
F-Score
Asset Turnover0.04
Health
Industry RankSector Rank
Debt/Equity 0
Debt/FCF
Debt/EBITDA
Cap/Depr
Cap/Sales
Interest Coverage
Cash Conversion
Profit Quality
Current Ratio N/A
Quick Ratio N/A
Altman-Z
F-Score
WACC
ROIC/WACC
Cap/Depr(3y)
Cap/Depr(5y)
Cap/Sales(3y)
Cap/Sales(5y)
Profit Quality(3y)
Profit Quality(5y)
Growth
EPS 1Y (TTM)-55.88%
EPS 3YN/A
EPS 5Y
EPS growth Q2Q
EPS Next YN/A
EPS Next 2Y
EPS Next 3Y
EPS Next 5Y
Revenue 1Y (TTM)10.47%
Revenue growth 3Y10.16%
Revenue growth 5Y
Revenue growth Q2Q
Revenue Next Year
Revenue Next 2Y
Revenue Next 3Y
Revenue Next 5Y
EBIT growth 1Y
EBIT growth 3Y
EBIT growth 5Y
EBIT Next Year
EBIT Next 3Y
EBIT Next 5Y
FCF growth 1Y
FCF growth 3Y
FCF growth 5Y
OCF growth 1Y
OCF growth 3Y
OCF growth 5Y