Carver Bancorp, Inc. (CARV) Earnings History
Annual and quarterly earnings data from 1995 to 2025
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CARV EPS Growth (CAGR)
Compound annual growth rate of diluted earnings per share
CAGR (Compound Annual Growth Rate) shows the annualized growth rate of EPS over the specified period. A higher CAGR indicates stronger earnings momentum.
CARV Profitability Analysis
Margin trends over time
| Year | Gross Margin | Operating Margin | Net Margin |
|---|---|---|---|
| 2025 | 56.3% | -36.8% | -36.8% |
| 2024 | 71.7% | -7.3% | -7.3% |
| 2023 | 84.0% | -14.1% | -14.1% |
| 2022 | 90.1% | -2.8% | -2.8% |
| 2021 | 83.7% | -14.7% | -14.7% |
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Carver Bancorp, Inc. (CARV) Earnings Overview
As of May 8, 2026, Carver Bancorp, Inc. (CARV) reported trailing twelve-month net income of -$13M, reflecting -334.4% year-over-year growth. The company earned $-2.47 per diluted share over the past four quarters, with a net profit margin of -36.8%.
Looking at the long-term picture, CARV's historical earnings data spans multiple years. The company achieved its highest annual net income of $5M in fiscal 2018.
Carver Bancorp, Inc. is currently reporting a net loss, though operating performance should be evaluated in the context of growth investments and industry dynamics View revenue history →
Compared to peers including MGYR ($11M net income, 16.7% margin), BYFC (-$25M net income, -39.3% margin), CZWI ($14M net income, 16.0% margin), CARV has room to improve margins relative to the peer group. Compare CARV vs MGYR →
CARV Earnings vs Peers
Earnings metrics vs comparable public companies
CARV Historical Earnings Data (1995–2025)
31 years| Fiscal Year | Net Income | YoY % | Operating Income | EPS (Diluted) | Net Margin | Op. Margin |
|---|---|---|---|---|---|---|
| 2025 | -$14M | -361.7% | -$14M | $-2.65 | -36.8% | -36.8% |
| 2024 | -$3M | +32.4% | -$3M | $-0.61 | -7.3% | -7.3% |
| 2023 | -$4M | -419.6% | -$4M | $-1.03 | -14.1% | -14.1% |
| 2022 | $-847,000 | +78.3% | $-847,000 | $-0.24 | -2.8% | -2.8% |
| 2021 | -$4M | +28.2% | -$4M | $-1.14 | -14.7% | -14.7% |
| 2020 | -$5M | +8.6% | -$5M | $-1.47 | -21.4% | -21.4% |
| 2019 | -$6M | -210.9% | -$6M | $-1.60 | -21.8% | -21.8% |
| 2018 | $5M | +287.7% | $5M | $0.58 | 18.4% | 18.3% |
| 2017 | -$3M | -61.5% | -$3M | $-0.77 | -9.3% | -8.9% |
| 2016 | -$2M | -549.6% | -$2M | $-0.48 | -5.6% | -5.2% |
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Start ComparisonCARV — Frequently Asked Questions
Quick answers to the most common questions about buying CARV stock.
Is CARV growing earnings?
CARV EPS fell to $-2.47, with earnings declining -334.4%. This contrasts with the 5-year CAGR of N/A. TTM net income dropped to $-13M.
What are CARV's profit margins?
Carver Bancorp, Inc. net margin is -36.8%, with operating margin at -36.8%. Below-average margins reflect competitive or cost pressures.
How consistent are CARV's earnings?
CARV earnings data spans 1995-2025. The declining earnings trend is -334.4% YoY. Historical data enables comparison across business cycles.