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CARVER BANCORP INC (CARV) Stock Fundamental Analysis

NASDAQ:CARV - US1468756044 - Common Stock

1.737 USD
+0.03 (+1.76%)
Last: 8/29/2025, 8:09:47 PM
Fundamental Rating

1

We assign a fundamental rating of 1 out of 10 to CARV. CARV was compared to 395 industry peers in the Banks industry. CARV may be in some trouble as it scores bad on both profitability and health. CARV does not seem to be growing, but still is valued expensively.


Dividend Valuation Growth Profitability Health

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0

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.
In multiple years CARV reported negative operating cash flow during the last 5 years.
CARV Yearly Net Income VS EBIT VS OCF VS FCFCARV Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 5M -5M -10M

1.2 Ratios

CARV has a worse Return On Assets (-1.78%) than 96.96% of its industry peers.
CARV has a worse Return On Equity (-44.53%) than 97.22% of its industry peers.
Industry RankSector Rank
ROA -1.78%
ROE -44.53%
ROIC N/A
ROA(3y)-0.96%
ROA(5y)-0.72%
ROE(3y)-21.08%
ROE(5y)-14.45%
ROIC(3y)N/A
ROIC(5y)N/A
CARV Yearly ROA, ROE, ROICCARV Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 -10 -20 -30 -40

1.3 Margins

The Profit Margin and Operating Margin and Gross Margin are not available for CARV so they could not be analyzed.
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
CARV Yearly Profit, Operating, Gross MarginsCARV Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 -20 -40 -60

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2

2. Health

2.1 Basic Checks

CARV does not have a ROIC to compare to the WACC, probably because it is not profitable.
CARV has more shares outstanding than it did 1 year ago.
Compared to 5 years ago, CARV has more shares outstanding
CARV has a better debt/assets ratio than last year.
CARV Yearly Shares OutstandingCARV Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 1M 2M 3M 4M 5M
CARV Yearly Total Debt VS Total AssetsCARV Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 200M 400M 600M

2.2 Solvency

CARV has a Debt/Equity ratio of 0.00. This is a healthy value indicating a solid balance between debt and equity.
Looking at the Debt to Equity ratio, with a value of 0.00, CARV belongs to the top of the industry, outperforming 88.10% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0
Debt/FCF N/A
Altman-Z N/A
ROIC/WACCN/A
WACC31.77%
CARV Yearly LT Debt VS Equity VS FCFCARV Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 20M 40M

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
CARV Yearly Current Assets VS Current LiabilitesCARV Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2017 2020 2021 2022 2023 2024 2025 5M 10M 15M

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1

3. Growth

3.1 Past

CARV shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -222.65%.
The Revenue for CARV has decreased by -21.53% in the past year. This is quite bad
The Revenue has been growing slightly by 2.41% on average over the past years.
EPS 1Y (TTM)-222.65%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%48.25%
Revenue 1Y (TTM)-21.53%
Revenue growth 3Y-7.19%
Revenue growth 5Y2.41%
Sales Q2Q%10.76%

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.
CARV Yearly Revenue VS EstimatesCARV Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 10M 20M 30M

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4. Valuation

4.1 Price/Earnings Ratio

CARV reported negative earnings for the last year, which makes the Price/Earnings Ratio negative.
Industry RankSector Rank
PE N/A
Fwd PE N/A
CARV Price Earnings VS Forward Price EarningsCARV Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 0 0 0 0 0 0 0 0 0 0 0

4.2 Price Multiples

Industry RankSector Rank
P/FCF N/A
EV/EBITDA N/A
CARV Per share dataCARV EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 2 -2 4

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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0

5. Dividend

5.1 Amount

No dividends for CARV!.
Industry RankSector Rank
Dividend Yield N/A

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CARVER BANCORP INC

NASDAQ:CARV (8/29/2025, 8:09:47 PM)

1.737

+0.03 (+1.76%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)08-12 2025-08-12
Earnings (Next)11-12 2025-11-12
Inst Owners11.48%
Inst Owner Change1.32%
Ins Owners9.26%
Ins Owner Change0%
Market Cap8.82M
Analysts0
Price TargetN/A
Short Float %1.36%
Short Ratio1.09
Dividend
Industry RankSector Rank
Dividend Yield N/A
Yearly DividendN/A
Dividend Growth(5Y)N/A
DP0%
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)N/A
Avg EPS beat(2)N/A
Min EPS beat(2)N/A
Max EPS beat(2)N/A
EPS beat(4)N/A
Avg EPS beat(4)N/A
Min EPS beat(4)N/A
Max EPS beat(4)N/A
EPS beat(8)N/A
Avg EPS beat(8)N/A
EPS beat(12)N/A
Avg EPS beat(12)N/A
EPS beat(16)N/A
Avg EPS beat(16)N/A
Revenue beat(2)N/A
Avg Revenue beat(2)N/A
Min Revenue beat(2)N/A
Max Revenue beat(2)N/A
Revenue beat(4)N/A
Avg Revenue beat(4)N/A
Min Revenue beat(4)N/A
Max Revenue beat(4)N/A
Revenue beat(8)N/A
Avg Revenue beat(8)N/A
Revenue beat(12)N/A
Avg Revenue beat(12)N/A
Revenue beat(16)N/A
Avg Revenue beat(16)N/A
PT rev (1m)N/A
PT rev (3m)N/A
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)N/A
EPS NY rev (3m)N/A
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)N/A
Revenue NY rev (3m)N/A
Valuation
Industry RankSector Rank
PE N/A
Fwd PE N/A
P/S 0.38
P/FCF N/A
P/OCF N/A
P/B 0.31
P/tB 0.31
EV/EBITDA N/A
EPS(TTM)-2.44
EYN/A
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)-2.13
FCFYN/A
OCF(TTM)-2.06
OCFYN/A
SpS4.52
BVpS5.62
TBVpS5.62
PEG (NY)N/A
PEG (5Y)N/A
Profitability
Industry RankSector Rank
ROA -1.78%
ROE -44.53%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) N/A
GM N/A
FCFM N/A
ROA(3y)-0.96%
ROA(5y)-0.72%
ROE(3y)-21.08%
ROE(5y)-14.45%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexcg growth 3YN/A
ROICexcg growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/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
F-Score2
Asset Turnover0.03
Health
Industry RankSector Rank
Debt/Equity 0
Debt/FCF N/A
Debt/EBITDA N/A
Cap/Depr 45.04%
Cap/Sales 1.5%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality N/A
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score2
WACC31.77%
ROIC/WACCN/A
Cap/Depr(3y)33.24%
Cap/Depr(5y)28.73%
Cap/Sales(3y)1.2%
Cap/Sales(5y)1.09%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)-222.65%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%48.25%
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)-21.53%
Revenue growth 3Y-7.19%
Revenue growth 5Y2.41%
Sales Q2Q%10.76%
Revenue Next YearN/A
Revenue Next 2YN/A
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-301.3%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-328.16%
OCF growth 3YN/A
OCF growth 5YN/A