CARVER BANCORP INC (CARV) Fundamental Analysis & Valuation

NASDAQ:CARV • US1468756044

Current stock price

1.41 USD
-0.21 (-12.96%)
At close:
1.43 USD
+0.02 (+1.42%)
After Hours:

This CARV fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

0

1. CARV Profitability Analysis

1.1 Basic Checks

  • CARV had negative earnings in the past year.
  • CARV had a negative operating cash flow in the past year.
  • In the past 5 years CARV always reported negative net income.
  • The reported operating cash flow has been mixed in the past 5 years: CARV reported negative operating cash flow in multiple 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 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 5M -5M -10M

1.2 Ratios

  • CARV has a worse Return On Assets (-1.87%) than 96.37% of its industry peers.
  • With a Return On Equity value of -48.38%, CARV is not doing good in the industry: 97.41% of the companies in the same industry are doing better.
Industry RankSector Rank
ROA -1.87%
ROE -48.38%
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 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 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 -20 -40 -60

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2

2. CARV Health Analysis

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.
  • The number of shares outstanding for CARV has been increased compared to 5 years ago.
  • CARV has a better debt/assets ratio than last year.
CARV Yearly Shares OutstandingCARV Yearly Shares OutstandingYearly Shares Outstanding 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 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 200M 400M 600M

2.2 Solvency

  • A Debt/Equity ratio of 0.00 indicates that CARV is not too dependend on debt financing.
  • The Debt to Equity ratio of CARV (0.00) is better than 87.56% of its industry peers.
Industry RankSector Rank
Debt/Equity 0
Debt/FCF N/A
Altman-Z N/A
ROIC/WACCN/A
WACC32.41%
CARV Yearly LT Debt VS Equity VS FCFCARV Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 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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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

1

3. CARV Growth Analysis

3.1 Past

  • CARV shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -197.25%.
  • CARV shows a very negative growth in Revenue. In the last year, the Revenue has decreased by -21.45%.
  • The Revenue has been growing slightly by 2.41% on average over the past years.
EPS 1Y (TTM)-197.25%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%-11.87%
Revenue 1Y (TTM)-21.45%
Revenue growth 3Y-7.19%
Revenue growth 5Y2.41%
Sales Q2Q%-3.01%

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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 10M 20M 30M

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0

4. CARV Valuation Analysis

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
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

More info and screens

Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

0

5. CARV Dividend Analysis

5.1 Amount

  • No dividends for CARV!.
Industry RankSector Rank
Dividend Yield 0%

More info and screens

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CARV Fundamentals: All Metrics, Ratios and Statistics

CARVER BANCORP INC

NASDAQ:CARV (12/5/2025, 8:06:37 PM)

After market: 1.43 +0.02 (+1.42%)

1.41

-0.21 (-12.96%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)11-12
Earnings (Next)02-11
Inst Owners12.06%
Inst Owner Change-80.13%
Ins Owners18.06%
Ins Owner Change0%
Market Cap7.19M
Revenue(TTM)22.76M
Net Income(TTM)-13.03M
Analysts0
Price TargetN/A
Short Float %0.12%
Short Ratio0.12
Dividend
Industry RankSector Rank
Dividend Yield 0%
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 0.32
P/FCF N/A
P/OCF N/A
P/B 0.27
P/tB 0.27
EV/EBITDA N/A
EPS(TTM)-2.49
EYN/A
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)-1.84
FCFYN/A
OCF(TTM)-1.77
OCFYN/A
SpS4.46
BVpS5.28
TBVpS5.28
PEG (NY)N/A
PEG (5Y)N/A
Graham NumberN/A
Profitability
Industry RankSector Rank
ROA -1.87%
ROE -48.38%
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
ROICexgc growth 3YN/A
ROICexgc 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 47.84%
Cap/Sales 1.56%
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
WACC32.41%
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)-197.25%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%-11.87%
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)-21.45%
Revenue growth 3Y-7.19%
Revenue growth 5Y2.41%
Sales Q2Q%-3.01%
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-18.28%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-17.97%
OCF growth 3YN/A
OCF growth 5YN/A

CARVER BANCORP INC / CARV Fundamental Analysis FAQ

Can you provide the ChartMill fundamental rating for CARVER BANCORP INC?

ChartMill assigns a fundamental rating of 1 / 10 to CARV.


Can you provide the valuation status for CARVER BANCORP INC?

ChartMill assigns a valuation rating of 0 / 10 to CARVER BANCORP INC (CARV). This can be considered as Overvalued.


What is the profitability of CARV stock?

CARVER BANCORP INC (CARV) has a profitability rating of 0 / 10.


How financially healthy is CARVER BANCORP INC?

The financial health rating of CARVER BANCORP INC (CARV) is 2 / 10.