Carver Bancorp, Inc. (CARV) 10-Year Financial Performance & Capital Metrics

CARV • • Banking & Credit

Financial ServicesRegional BanksCommunity & Regional Retail BankingNortheast Community Banks

AboutCarver Bancorp, Inc. operates as the holding company for Carver Federal Savings Bank that provides consumer and commercial banking services for consumers, businesses, non-profit organizations, and governmental and quasi-governmental agencies primarily in New York. It accepts various deposit products, including demand, savings, and time deposits; passbook and statement accounts, and certificates of deposit; and individual retirement accounts. The company also provides lending products, such as one-to-four family residential, multifamily real estate, and commercial real estate lending; and construction, business and small business administration, and consumer and other loans. In addition, it offers other consumer and commercial banking products and services, including debit cards, online account opening and banking, online bill pay, and telephone banking, as well as check cashing, wire transfer, bill payment, reloadable prepaid card, and money order services. The company operates through one administrative office, seven branches, and four ATMs. Carver Bancorp, Inc. was founded in 1948 and is headquartered in New York, New York.Show more

Net Interest Income $19M -15.1%
Total Revenue $37M -8.3%
Net Income -$14M -361.7%
Return on Equity -38.24% -462.2%
Net Interest Margin 2.62% -12.0%
Efficiency Ratio 93.1% +17.9%
ROA -1.85% -359.6%
Equity / Assets 4.05% -27.5%
Book Value per Share 5.71 -34.6%
Tangible BV/Share 5.71 -34.6%
Debt/Equity 0.98 -27.1%

Technical Analysis

Key Insights

Based on financial data analysis

✓Strengths

✓Trading at only 0.3x book value

✗Weaknesses

✗Weak Piotroski F-Score: 2/9
✗High cost structure: 93.1% efficiency ratio
✗Weak momentum: RS Rating 20 (bottom 20%)
✗Thin capital base
✗Trading more than 30% below 52-week high

Price & Volume

Loading chart...

Growth Metrics

Revenue CAGR

10Y2.97%

5Y8.06%

3Y7.33%

TTM-

Profit (Net Income) CAGR

10Y-

5Y-

3Y-

TTM-203.31%

EPS CAGR

10Y-

5Y-

3Y-

TTM-196.79%

ROCE

10Y Avg-3.73%

5Y Avg-5.26%

3Y Avg-7.28%

Latest-15.45%

Peer Comparison

Northeast Community Banks

Name	Market Cap	Current Price	P/E Ratio	Revenue Growth 1Y	Net Margin	ROE	FCF Yield	Debt/Equity
DCOMDime Community Bancshares, Inc.	1.32B	30.11	54.75	0.1%	4.5%	4.02%	7.02%	0.70
EBCEastern Bankshares, Inc.	4.28B	19.04	28.85	91.64%	11.17%	1.3%	6.31%	0.01
LYGLloyds Banking Group plc	80.35B	5.47	21.88	10.79%	11.75%	9.93%		1.76
CFGCitizens Financial Group, Inc.	25.74B	59.93	19.78	1.31%	12.22%	6.6%	7.3%	0.51
PFSProvident Financial Services, Inc.	2.59B	19.85	18.90	63.91%	10.13%	7.51%	16.39%	0.93
CBUCommunity Bank System, Inc.	3.23B	61.29	17.82	24.44%	19.4%	10.34%	6.86%	0.57
VLYValley National Bancorp	6.54B	11.73	17	6.51%	10.65%	6.53%	8.39%	0.50
INDBIndependent Bank Corp.	3.71B	74.81	16.55	6.89%	19.72%	7.76%	5.65%	0.23

Profit & Loss

	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025
Net Interest Income+	21.96M	21.21M	19.08M	17.09M	16M	15.89M	20.47M	22.79M	22.56M	19.15M
NII Growth %	0.19%	-0.03%	-0.1%	-0.1%	-0.06%	-0.01%	0.29%	0.11%	-0.01%	-0.15%
Net Interest Margin %	-	-	-	-	-	-	-	-	-	-
Interest Income	26.56M	26.13M	24.36M	23.23M	21.63M	20.31M	22.86M	27.7M	34.02M	34.28M
Interest Expense	4.61M	4.92M	5.28M	6.14M	5.63M	4.42M	2.4M	4.91M	11.46M	15.13M
Loan Loss Provision	1.5M	29K	135K	-270K	19K	-100K	603K	100K	83K	1.19M
Non-Interest Income+	4.79M	4.55M	4.74M	4.03M	3.74M	6.2M	7.35M	3.6M	6.72M	3.09M
Non-Interest Income %	-	-	-	-	-	-	-	-	-	-
Total Revenue+	31.36M	30.68M	29.1M	27.26M	25.37M	26.5M	30.22M	31.3M	40.74M	37.37M
Revenue Growth %	0.12%	-0.02%	-0.05%	-0.06%	-0.07%	0.04%	0.14%	0.04%	0.3%	-0.08%
Non-Interest Expense	26.9M	28.46M	18.37M	27.33M	25.14M	26.08M	28.06M	30.68M	32.18M	34.79M
Efficiency Ratio	-	-	-	-	-	-	-	-	-	-
Operating Income+	-1.64M	-2.73M	5.32M	-5.94M	-5.42M	-3.9M	-847K	-4.4M	-2.98M	-13.74M
Operating Margin %	-	-	-	-	-	-	-	-	-	-
Operating Income Growth %	-3.24%	-0.67%	2.95%	-2.12%	0.09%	0.28%	0.78%	-4.2%	0.32%	-3.62%
Pretax Income+	-1.64M	-2.73M	5.32M	-5.94M	-5.42M	-3.9M	-847K	-4.4M	-2.98M	-13.74M
Pretax Margin %	-	-	-	-	-	-	-	-	-	-
Income Tax+	128K	119K	-33K	0	0	0	0	0	0	0
Effective Tax Rate %	-	-	-	-	-	-	-	-	-	-
Net Income+	-1.77M	-2.85M	5.35M	-5.94M	-5.42M	-3.9M	-847K	-4.4M	-2.98M	-13.74M
Net Margin %	-	-	-	-	-	-	-	-	-	-
Net Income Growth %	-5.5%	-0.61%	2.88%	-2.11%	0.09%	0.28%	0.78%	-4.2%	0.32%	-3.62%
Net Income (Continuing)	-1.77M	-2.85M	5.35M	-5.94M	-5.42M	-3.9M	-847K	-4.4M	-2.98M	-13.74M
EPS (Diluted)+	-0.48	-0.77	0.58	-1.60	-1.47	-1.14	-0.24	-1.03	-0.61	-2.65
EPS Growth %	-5.8%	-0.6%	1.75%	-3.76%	0.08%	0.22%	0.79%	-3.29%	0.41%	-3.34%
EPS (Basic)	-0.48	-0.77	0.58	-1.60	-1.47	-1.14	-0.24	-1.03	-0.61	-2.65
Diluted Shares Outstanding	3.7M	3.7M	3.7M	3.7M	3.7M	3.42M	3.59M	4.28M	4.85M	5.18M

Balance Sheet

	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025
Cash & Short Term Investments+	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K
Cash & Due from Banks	63.19M	58.69M	134.56M	31.23M	47.54M	75.59M	61.02M	42.55M	59.02M	50.31M
Short Term Investments	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K
Total Investments+	657.32M	613.88M	545.41M	515.16M	499.77M	572.72M	646.73M	648.83M	667.04M	653.62M
Investments Growth %	0.11%	-0.07%	-0.11%	-0.06%	-0.03%	0.15%	0.13%	0%	0.03%	-0.02%
Long-Term Investments	601.14M	554.87M	484.7M	435.32M	433.94M	486.22M	579.13M	594.99M	619.01M	609.94M
Accounts Receivables	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K
Goodwill & Intangibles+	-	-	-	-	-	-	-	-	-	-
Goodwill	0	0	0	0	0	0	0	0	0	0
Intangible Assets	0	0	0	0	0	0	0	0	0	0
PP&E (Net)	5.98M	5.43M	2.97M	5.06M	22.99M	19.95M	17.41M	15.48M	12.41M	10.26M
Other Assets	10.14M	8.28M	8.95M	10.25M	6.42M	5.84M	7.74M	14.45M	14.65M	12.82M
Total Current Assets	121.79M	119.28M	197.29M	113.09M	115.42M	164.74M	131.03M	98.31M	110.72M	96.97M
Total Non-Current Assets	617.27M	568.58M	496.62M	450.62M	463.35M	512.01M	604.29M	624.92M	646.08M	633.02M
Total Assets+	739.05M	687.86M	693.91M	563.71M	578.77M	676.75M	735.31M	723.22M	756.8M	729.99M
Asset Growth %	0.09%	-0.07%	0.01%	-0.19%	0.03%	0.17%	0.09%	-0.02%	0.05%	-0.04%
Return on Assets (ROA)	-0%	-0%	0.01%	-0.01%	-0.01%	-0.01%	-0%	-0.01%	-0%	-0.02%
Accounts Payable	0	0	0	0	0	0	0	0	3.3M	0
Total Debt+	68.4M	49.4M	38.4M	21.4M	31.73M	53.23M	30.34M	64.26M	57.15M	29.11M
Net Debt	5.21M	-9.28M	-96.16M	-9.82M	-15.81M	-22.37M	-30.68M	21.71M	-1.87M	-21.2M
Long-Term Debt	68.4M	49.4M	38.4M	21.4M	13.57M	37.22M	15.95M	51.09M	46.54M	20.24M
Short-Term Debt	0	0	0	0	0	0	0	0	0	0
Other Liabilities	12.03M	11.88M	16.65M	14.98M	9.34M	14.66M	21.77M	13.31M	10.34M	9.46M
Total Current Liabilities	606.74M	579.18M	586.88M	480.2M	488.81M	556.56M	628.12M	600.43M	647M	661.84M
Total Non-Current Liabilities	80.43M	61.29M	55.06M	36.38M	41.06M	67.89M	52.11M	77.57M	67.49M	38.58M
Total Liabilities	687.17M	640.46M	641.94M	516.58M	529.88M	624.45M	680.23M	678M	714.49M	700.41M
Total Equity+	51.88M	47.4M	51.97M	47.14M	48.89M	52.3M	55.09M	45.22M	42.31M	29.58M
Equity Growth %	-0.03%	-0.09%	0.1%	-0.09%	0.04%	0.07%	0.05%	-0.18%	-0.06%	-0.3%
Equity / Assets (Capital Ratio)	-	-	-	-	-	-	-	-	-	-
Return on Equity (ROE)	-0.03%	-0.06%	0.11%	-0.12%	-0.11%	-0.08%	-0.02%	-0.09%	-0.07%	-0.38%
Book Value per Share	14.04	12.82	14.04	12.74	13.22	15.32	15.35	10.57	8.73	5.71
Tangible BV per Share	-	-	-	-	-	-	-	-	-	-
Common Stock	61K	61K	61K	61K	61K	58K	67K	68K	77K	78K
Additional Paid-in Capital	55.47M	55.47M	55.48M	55.51M	55.48M	75.2M	82.17M	82.81M	87.66M	87.92M
Retained Earnings	-48.05M	-50.9M	-45.54M	-52.2M	-52.28M	-42.66M	-43.5M	-47.9M	-51.55M	-65.29M
Accumulated OCI	-307K	-1.94M	-2.73M	-939K	932K	-3.17M	-6.66M	-12.21M	-12.71M	-11.95M
Treasury Stock	-417K	-417K	-417K	-417K	-408K	-2.91M	-2.91M	-2.91M	-2.91M	-2.91M
Preferred Stock	45.12M	45.12M	45.12M	45.12M	45.12M	25.78M	25.93M	25.38M	21.73M	21.73M

Cash Flow

	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025
Cash from Operations+	420K	827K	-4.99M	-8.77M	-31K	2.21M	7.15M	-10.51M	-6.57M	-12.61M
Operating CF Growth %	-0.88%	0.97%	-7.03%	-0.76%	1%	72.35%	2.23%	-2.47%	0.37%	-0.92%
Net Income	-1.77M	-2.85M	5.35M	-5.94M	-5.42M	-3.9M	-847K	-4.4M	-2.98M	-13.74M
Depreciation & Amortization	1.42M	867K	897K	793K	965K	1.02M	1.03M	1.06M	965K	813K
Deferred Taxes	0	0	0	0	0	0	0	0	0	0
Other Non-Cash Items	196K	478K	-8.76M	9K	1.24M	-142K	877K	188K	567K	1.62M
Working Capital Changes	574K	2.33M	-2.48M	-3.67M	3.23M	5.2M	5.97M	-7.45M	-5.35M	-1.36M
Cash from Investing+	-52.04M	41.24M	84.15M	29.12M	15.72M	-76.98M	-79.08M	-15.26M	-20.05M	15.08M
Purchase of Investments	-5.27M	-30.76M	-7.79M	-58.13M	0	-74.47M	0	0	-603K	0
Sale/Maturity of Investments	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K
Net Investment Activity	-	-	-	-	-	-	-	-	-	-
Acquisitions	0	0	0	0	0	0	0	0	0	0
Other Investing	-92.66M	44.52M	87.19M	50.26M	1.12M	-54.89M	-96.19M	-25.78M	-24.43M	11.1M
Cash from Financing+	63.98M	-46.56M	-3.29M	-123.69M	619K	102.82M	57.35M	7.31M	43.1M	-11.18M
Dividends Paid	0	0	0	0	0	0	0	0	0	0
Share Repurchases	0	0	0	0	0	-2.5M	0	0	0	0
Stock Issued	0	0	0	0	0	3.2M	3M	0	1M	195K
Net Stock Activity	-	-	-	-	-	-	-	-	-	-
Debt Issuance (Net)	-1000K	-1000K	-1000K	-1000K	-1000K	1000K	-1000K	1000K	-1000K	-1000K
Other Financing	78.98M	-27.57M	7.71M	-106.69M	8.62M	70.24M	71.56M	-27.69M	46.57M	14.84M
Net Change in Cash+	12.36M	-4.5M	75.87M	-103.33M	16.31M	28.05M	-14.57M	-18.47M	16.47M	-8.71M
Exchange Rate Effect	0	0	0	0	0	0	0	0	0	0
Cash at Beginning	50.99M	63.19M	58.69M	134.56M	31.23M	47.54M	75.59M	61.02M	42.55M	59.02M
Cash at End	63.66M	58.69M	134.56M	31.23M	47.54M	75.59M	61.02M	42.55M	59.02M	50.31M
Interest Paid	4.08M	6.86M	4.58M	5.3M	4.87M	3.9M	5.52M	4.62M	10.71M	15.21M
Income Taxes Paid	217K	134K	225K	123K	53K	57K	211K	193K	232K	222K
Free Cash Flow+	-154K	565K	-6.59M	-11.64M	-1.32M	1.96M	6.96M	-10.74M	-6.93M	-12.94M
FCF Growth %	-1.05%	4.67%	-12.66%	-0.77%	0.89%	2.49%	2.56%	-2.54%	0.35%	-0.87%

Banking Ratios

Metric	2016	2017	2018	2019	2020	2021	2022	2023	2024	2025
Return on Equity (ROE)	-3.35%	-5.75%	10.78%	-11.98%	-11.29%	-7.7%	-1.58%	-8.77%	-6.8%	-38.24%
Return on Assets (ROA)	-0.25%	-0.4%	0.77%	-0.94%	-0.95%	-0.62%	-0.12%	-0.6%	-0.4%	-1.85%
Net Interest Margin	2.97%	3.08%	2.75%	3.03%	2.76%	2.35%	2.78%	3.15%	2.98%	2.62%
Efficiency Ratio	85.77%	92.79%	63.11%	100.24%	99.11%	98.4%	92.87%	98.05%	78.98%	93.1%
Equity / Assets	7.02%	6.89%	7.49%	8.36%	8.45%	7.73%	7.49%	6.25%	5.59%	4.05%
Book Value / Share	14.04	12.82	14.04	12.74	13.22	15.32	15.35	10.57	8.73	5.71
NII Growth	19.44%	-3.42%	-10.04%	-10.43%	-6.4%	-0.68%	28.82%	11.35%	-1%	-15.11%

Revenue by Segment

	2022	2023	2024	2025
Deposit Account	2.14M	2.2M	2.21M	2.38M
Deposit Account Growth	-	2.62%	0.50%	7.93%
Financial Service, Other	2.62M	236K	361K	429K
Financial Service, Other Growth	-	-90.98%	52.97%	18.84%
Mortgage Banking	225K	466K	389K	191K
Mortgage Banking Growth	-	107.11%	-16.52%	-50.90%

Frequently Asked Questions

Growth & Financials

Carver Bancorp, Inc. (CARV) saw revenue decline by 8.3% over the past year.

Carver Bancorp, Inc. (CARV) reported a net loss of $13.0M for fiscal year 2025.

Dividend & Returns

Carver Bancorp, Inc. (CARV) has a return on equity (ROE) of -38.2%. Negative ROE indicates the company is unprofitable.

Industry Metrics

Carver Bancorp, Inc. (CARV) has a net interest margin (NIM) of 2.6%. NIM has been under pressure due to interest rate environment.

Carver Bancorp, Inc. (CARV) has an efficiency ratio of 93.1%. This is higher than peers, suggesting room for cost optimization.

US Stock Screener

...

Carver Bancorp, Inc. (CARV) 10-Year Financial Performance & Capital Metrics

CARV • • Banking & Credit

Financial ServicesRegional BanksCommunity & Regional Retail BankingNortheast Community Banks

Net Interest Income $19M -15.1%
Total Revenue $37M -8.3%
Net Income -$14M -361.7%
Return on Equity -38.24% -462.2%
Net Interest Margin 2.62% -12.0%
Efficiency Ratio 93.1% +17.9%
ROA -1.85% -359.6%
Equity / Assets 4.05% -27.5%
Book Value per Share 5.71 -34.6%
Tangible BV/Share 5.71 -34.6%
Debt/Equity 0.98 -27.1%

Technical Analysis

Key Insights

Based on financial data analysis

✓Strengths

✓Trading at only 0.3x book value

✗Weaknesses

✗Weak Piotroski F-Score: 2/9
✗High cost structure: 93.1% efficiency ratio
✗Weak momentum: RS Rating 20 (bottom 20%)
✗Thin capital base
✗Trading more than 30% below 52-week high

Price & Volume

Loading chart...

Growth Metrics

Revenue CAGR

10Y2.97%

5Y8.06%

3Y7.33%

TTM-

Profit (Net Income) CAGR

10Y-

5Y-

3Y-

TTM-203.31%

EPS CAGR

10Y-

5Y-

3Y-

TTM-196.79%

ROCE

10Y Avg-3.73%

5Y Avg-5.26%

3Y Avg-7.28%

Latest-15.45%

Peer Comparison

Northeast Community Banks

Name	Market Cap	Current Price	P/E Ratio	Revenue Growth 1Y	Net Margin	ROE	FCF Yield	Debt/Equity
DCOMDime Community Bancshares, Inc.	1.32B	30.11	54.75	0.1%	4.5%	4.02%	7.02%	0.70
EBCEastern Bankshares, Inc.	4.28B	19.04	28.85	91.64%	11.17%	1.3%	6.31%	0.01
LYGLloyds Banking Group plc	80.35B	5.47	21.88	10.79%	11.75%	9.93%		1.76
CFGCitizens Financial Group, Inc.	25.74B	59.93	19.78	1.31%	12.22%	6.6%	7.3%	0.51
PFSProvident Financial Services, Inc.	2.59B	19.85	18.90	63.91%	10.13%	7.51%	16.39%	0.93
CBUCommunity Bank System, Inc.	3.23B	61.29	17.82	24.44%	19.4%	10.34%	6.86%	0.57
VLYValley National Bancorp	6.54B	11.73	17	6.51%	10.65%	6.53%	8.39%	0.50
INDBIndependent Bank Corp.	3.71B	74.81	16.55	6.89%	19.72%	7.76%	5.65%	0.23

Profit & Loss

	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025
Net Interest Income+	21.96M	21.21M	19.08M	17.09M	16M	15.89M	20.47M	22.79M	22.56M	19.15M
NII Growth %	0.19%	-0.03%	-0.1%	-0.1%	-0.06%	-0.01%	0.29%	0.11%	-0.01%	-0.15%
Net Interest Margin %	-	-	-	-	-	-	-	-	-	-
Interest Income	26.56M	26.13M	24.36M	23.23M	21.63M	20.31M	22.86M	27.7M	34.02M	34.28M
Interest Expense	4.61M	4.92M	5.28M	6.14M	5.63M	4.42M	2.4M	4.91M	11.46M	15.13M
Loan Loss Provision	1.5M	29K	135K	-270K	19K	-100K	603K	100K	83K	1.19M
Non-Interest Income+	4.79M	4.55M	4.74M	4.03M	3.74M	6.2M	7.35M	3.6M	6.72M	3.09M
Non-Interest Income %	-	-	-	-	-	-	-	-	-	-
Total Revenue+	31.36M	30.68M	29.1M	27.26M	25.37M	26.5M	30.22M	31.3M	40.74M	37.37M
Revenue Growth %	0.12%	-0.02%	-0.05%	-0.06%	-0.07%	0.04%	0.14%	0.04%	0.3%	-0.08%
Non-Interest Expense	26.9M	28.46M	18.37M	27.33M	25.14M	26.08M	28.06M	30.68M	32.18M	34.79M
Efficiency Ratio	-	-	-	-	-	-	-	-	-	-
Operating Income+	-1.64M	-2.73M	5.32M	-5.94M	-5.42M	-3.9M	-847K	-4.4M	-2.98M	-13.74M
Operating Margin %	-	-	-	-	-	-	-	-	-	-
Operating Income Growth %	-3.24%	-0.67%	2.95%	-2.12%	0.09%	0.28%	0.78%	-4.2%	0.32%	-3.62%
Pretax Income+	-1.64M	-2.73M	5.32M	-5.94M	-5.42M	-3.9M	-847K	-4.4M	-2.98M	-13.74M
Pretax Margin %	-	-	-	-	-	-	-	-	-	-
Income Tax+	128K	119K	-33K	0	0	0	0	0	0	0
Effective Tax Rate %	-	-	-	-	-	-	-	-	-	-
Net Income+	-1.77M	-2.85M	5.35M	-5.94M	-5.42M	-3.9M	-847K	-4.4M	-2.98M	-13.74M
Net Margin %	-	-	-	-	-	-	-	-	-	-
Net Income Growth %	-5.5%	-0.61%	2.88%	-2.11%	0.09%	0.28%	0.78%	-4.2%	0.32%	-3.62%
Net Income (Continuing)	-1.77M	-2.85M	5.35M	-5.94M	-5.42M	-3.9M	-847K	-4.4M	-2.98M	-13.74M
EPS (Diluted)+	-0.48	-0.77	0.58	-1.60	-1.47	-1.14	-0.24	-1.03	-0.61	-2.65
EPS Growth %	-5.8%	-0.6%	1.75%	-3.76%	0.08%	0.22%	0.79%	-3.29%	0.41%	-3.34%
EPS (Basic)	-0.48	-0.77	0.58	-1.60	-1.47	-1.14	-0.24	-1.03	-0.61	-2.65
Diluted Shares Outstanding	3.7M	3.7M	3.7M	3.7M	3.7M	3.42M	3.59M	4.28M	4.85M	5.18M

Balance Sheet

	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025
Cash & Short Term Investments+	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K
Cash & Due from Banks	63.19M	58.69M	134.56M	31.23M	47.54M	75.59M	61.02M	42.55M	59.02M	50.31M
Short Term Investments	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K
Total Investments+	657.32M	613.88M	545.41M	515.16M	499.77M	572.72M	646.73M	648.83M	667.04M	653.62M
Investments Growth %	0.11%	-0.07%	-0.11%	-0.06%	-0.03%	0.15%	0.13%	0%	0.03%	-0.02%
Long-Term Investments	601.14M	554.87M	484.7M	435.32M	433.94M	486.22M	579.13M	594.99M	619.01M	609.94M
Accounts Receivables	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K
Goodwill & Intangibles+	-	-	-	-	-	-	-	-	-	-
Goodwill	0	0	0	0	0	0	0	0	0	0
Intangible Assets	0	0	0	0	0	0	0	0	0	0
PP&E (Net)	5.98M	5.43M	2.97M	5.06M	22.99M	19.95M	17.41M	15.48M	12.41M	10.26M
Other Assets	10.14M	8.28M	8.95M	10.25M	6.42M	5.84M	7.74M	14.45M	14.65M	12.82M
Total Current Assets	121.79M	119.28M	197.29M	113.09M	115.42M	164.74M	131.03M	98.31M	110.72M	96.97M
Total Non-Current Assets	617.27M	568.58M	496.62M	450.62M	463.35M	512.01M	604.29M	624.92M	646.08M	633.02M
Total Assets+	739.05M	687.86M	693.91M	563.71M	578.77M	676.75M	735.31M	723.22M	756.8M	729.99M
Asset Growth %	0.09%	-0.07%	0.01%	-0.19%	0.03%	0.17%	0.09%	-0.02%	0.05%	-0.04%
Return on Assets (ROA)	-0%	-0%	0.01%	-0.01%	-0.01%	-0.01%	-0%	-0.01%	-0%	-0.02%
Accounts Payable	0	0	0	0	0	0	0	0	3.3M	0
Total Debt+	68.4M	49.4M	38.4M	21.4M	31.73M	53.23M	30.34M	64.26M	57.15M	29.11M
Net Debt	5.21M	-9.28M	-96.16M	-9.82M	-15.81M	-22.37M	-30.68M	21.71M	-1.87M	-21.2M
Long-Term Debt	68.4M	49.4M	38.4M	21.4M	13.57M	37.22M	15.95M	51.09M	46.54M	20.24M
Short-Term Debt	0	0	0	0	0	0	0	0	0	0
Other Liabilities	12.03M	11.88M	16.65M	14.98M	9.34M	14.66M	21.77M	13.31M	10.34M	9.46M
Total Current Liabilities	606.74M	579.18M	586.88M	480.2M	488.81M	556.56M	628.12M	600.43M	647M	661.84M
Total Non-Current Liabilities	80.43M	61.29M	55.06M	36.38M	41.06M	67.89M	52.11M	77.57M	67.49M	38.58M
Total Liabilities	687.17M	640.46M	641.94M	516.58M	529.88M	624.45M	680.23M	678M	714.49M	700.41M
Total Equity+	51.88M	47.4M	51.97M	47.14M	48.89M	52.3M	55.09M	45.22M	42.31M	29.58M
Equity Growth %	-0.03%	-0.09%	0.1%	-0.09%	0.04%	0.07%	0.05%	-0.18%	-0.06%	-0.3%
Equity / Assets (Capital Ratio)	-	-	-	-	-	-	-	-	-	-
Return on Equity (ROE)	-0.03%	-0.06%	0.11%	-0.12%	-0.11%	-0.08%	-0.02%	-0.09%	-0.07%	-0.38%
Book Value per Share	14.04	12.82	14.04	12.74	13.22	15.32	15.35	10.57	8.73	5.71
Tangible BV per Share	-	-	-	-	-	-	-	-	-	-
Common Stock	61K	61K	61K	61K	61K	58K	67K	68K	77K	78K
Additional Paid-in Capital	55.47M	55.47M	55.48M	55.51M	55.48M	75.2M	82.17M	82.81M	87.66M	87.92M
Retained Earnings	-48.05M	-50.9M	-45.54M	-52.2M	-52.28M	-42.66M	-43.5M	-47.9M	-51.55M	-65.29M
Accumulated OCI	-307K	-1.94M	-2.73M	-939K	932K	-3.17M	-6.66M	-12.21M	-12.71M	-11.95M
Treasury Stock	-417K	-417K	-417K	-417K	-408K	-2.91M	-2.91M	-2.91M	-2.91M	-2.91M
Preferred Stock	45.12M	45.12M	45.12M	45.12M	45.12M	25.78M	25.93M	25.38M	21.73M	21.73M

Cash Flow

	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025
Cash from Operations+	420K	827K	-4.99M	-8.77M	-31K	2.21M	7.15M	-10.51M	-6.57M	-12.61M
Operating CF Growth %	-0.88%	0.97%	-7.03%	-0.76%	1%	72.35%	2.23%	-2.47%	0.37%	-0.92%
Net Income	-1.77M	-2.85M	5.35M	-5.94M	-5.42M	-3.9M	-847K	-4.4M	-2.98M	-13.74M
Depreciation & Amortization	1.42M	867K	897K	793K	965K	1.02M	1.03M	1.06M	965K	813K
Deferred Taxes	0	0	0	0	0	0	0	0	0	0
Other Non-Cash Items	196K	478K	-8.76M	9K	1.24M	-142K	877K	188K	567K	1.62M
Working Capital Changes	574K	2.33M	-2.48M	-3.67M	3.23M	5.2M	5.97M	-7.45M	-5.35M	-1.36M
Cash from Investing+	-52.04M	41.24M	84.15M	29.12M	15.72M	-76.98M	-79.08M	-15.26M	-20.05M	15.08M
Purchase of Investments	-5.27M	-30.76M	-7.79M	-58.13M	0	-74.47M	0	0	-603K	0
Sale/Maturity of Investments	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K
Net Investment Activity	-	-	-	-	-	-	-	-	-	-
Acquisitions	0	0	0	0	0	0	0	0	0	0
Other Investing	-92.66M	44.52M	87.19M	50.26M	1.12M	-54.89M	-96.19M	-25.78M	-24.43M	11.1M
Cash from Financing+	63.98M	-46.56M	-3.29M	-123.69M	619K	102.82M	57.35M	7.31M	43.1M	-11.18M
Dividends Paid	0	0	0	0	0	0	0	0	0	0
Share Repurchases	0	0	0	0	0	-2.5M	0	0	0	0
Stock Issued	0	0	0	0	0	3.2M	3M	0	1M	195K
Net Stock Activity	-	-	-	-	-	-	-	-	-	-
Debt Issuance (Net)	-1000K	-1000K	-1000K	-1000K	-1000K	1000K	-1000K	1000K	-1000K	-1000K
Other Financing	78.98M	-27.57M	7.71M	-106.69M	8.62M	70.24M	71.56M	-27.69M	46.57M	14.84M
Net Change in Cash+	12.36M	-4.5M	75.87M	-103.33M	16.31M	28.05M	-14.57M	-18.47M	16.47M	-8.71M
Exchange Rate Effect	0	0	0	0	0	0	0	0	0	0
Cash at Beginning	50.99M	63.19M	58.69M	134.56M	31.23M	47.54M	75.59M	61.02M	42.55M	59.02M
Cash at End	63.66M	58.69M	134.56M	31.23M	47.54M	75.59M	61.02M	42.55M	59.02M	50.31M
Interest Paid	4.08M	6.86M	4.58M	5.3M	4.87M	3.9M	5.52M	4.62M	10.71M	15.21M
Income Taxes Paid	217K	134K	225K	123K	53K	57K	211K	193K	232K	222K
Free Cash Flow+	-154K	565K	-6.59M	-11.64M	-1.32M	1.96M	6.96M	-10.74M	-6.93M	-12.94M
FCF Growth %	-1.05%	4.67%	-12.66%	-0.77%	0.89%	2.49%	2.56%	-2.54%	0.35%	-0.87%

Banking Ratios

Metric	2016	2017	2018	2019	2020	2021	2022	2023	2024	2025
Return on Equity (ROE)	-3.35%	-5.75%	10.78%	-11.98%	-11.29%	-7.7%	-1.58%	-8.77%	-6.8%	-38.24%
Return on Assets (ROA)	-0.25%	-0.4%	0.77%	-0.94%	-0.95%	-0.62%	-0.12%	-0.6%	-0.4%	-1.85%
Net Interest Margin	2.97%	3.08%	2.75%	3.03%	2.76%	2.35%	2.78%	3.15%	2.98%	2.62%
Efficiency Ratio	85.77%	92.79%	63.11%	100.24%	99.11%	98.4%	92.87%	98.05%	78.98%	93.1%
Equity / Assets	7.02%	6.89%	7.49%	8.36%	8.45%	7.73%	7.49%	6.25%	5.59%	4.05%
Book Value / Share	14.04	12.82	14.04	12.74	13.22	15.32	15.35	10.57	8.73	5.71
NII Growth	19.44%	-3.42%	-10.04%	-10.43%	-6.4%	-0.68%	28.82%	11.35%	-1%	-15.11%

Revenue by Segment

	2022	2023	2024	2025
Deposit Account	2.14M	2.2M	2.21M	2.38M
Deposit Account Growth	-	2.62%	0.50%	7.93%
Financial Service, Other	2.62M	236K	361K	429K
Financial Service, Other Growth	-	-90.98%	52.97%	18.84%
Mortgage Banking	225K	466K	389K	191K
Mortgage Banking Growth	-	107.11%	-16.52%	-50.90%

Frequently Asked Questions

Growth & Financials

Carver Bancorp, Inc. (CARV) saw revenue decline by 8.3% over the past year.

Carver Bancorp, Inc. (CARV) reported a net loss of $13.0M for fiscal year 2025.

Dividend & Returns

Carver Bancorp, Inc. (CARV) has a return on equity (ROE) of -38.2%. Negative ROE indicates the company is unprofitable.

Industry Metrics

Carver Bancorp, Inc. (CARV) has a net interest margin (NIM) of 2.6%. NIM has been under pressure due to interest rate environment.

Carver Bancorp, Inc. (CARV) has an efficiency ratio of 93.1%. This is higher than peers, suggesting room for cost optimization.