Carver Bancorp, Inc. (CARV) Financial Ratios
30 years of historical data (1996–2025) · Financial Services · Banks - Regional
EV/EBITDA
N/A
—
5yr avg: N/A
30Y Low14.1·High74.5
P/FCF
↓
N/A
—
5yr avg: 9.73
30Y Low0.4·High23.9
P/B Ratio
↓
0.27
↓-26% vs avg
5yr avg: 0.37
30Y Low0.1·High1.3
ROE
↓
-38.2%
↑-203% vs avg
5yr avg: -12.6%
30Y Low-88%·High14%
Debt/EBITDA
N/A
—
5yr avg: 166.71
30Y Low6.2·High35.7
Percentile shows where the current value sits in 30-year historical distribution. Sparklines show 5-year trend.
CARV Valuation Multiples
Price-based multiples — how expensive the stock is relative to earnings, sales, book value, and cash flow
Carver Bancorp, Inc. currently has a negative P/E ratio, indicating the company is operating at a loss on a trailing-twelve-month basis.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Market Cap | $8M | $7M | $7M | $17M | $25M | $31M | $7M | $14M | $10M | $14M | $19M |
| Enterprise Value | $-12959355 | $-13894970 | $6M | $39M | $-5553000 | $9M | $-8822890 | $4M | $-85718180 | $4M | $25M |
| P/E Ratio → | -0.59 | — | — | — | — | — | — | — | 4.86 | — | — |
| P/S Ratio | 0.22 | 0.20 | 0.18 | 0.55 | 0.83 | 1.17 | 0.28 | 0.51 | 0.36 | 0.44 | 0.62 |
| P/B Ratio | 0.27 | 0.25 | 0.18 | 0.38 | 0.46 | 0.59 | 0.14 | 0.29 | 0.20 | 0.29 | 0.37 |
| P/FCF | — | — | — | — | 3.61 | 15.85 | — | — | — | 23.94 | — |
| P/OCF | — | — | — | — | 3.51 | 14.02 | — | — | — | 16.36 | 45.94 |
P/E links to full P/E history page with 30-year chart
CARV EV Ratios
Enterprise-value multiples — capital-structure-neutral measures of total business value
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| EV / Revenue | — | -0.37 | 0.14 | 1.24 | -0.18 | 0.33 | -0.35 | 0.15 | -2.95 | 0.14 | 0.78 |
| EV / EBITDA | — | — | — | — | -30.51 | — | — | — | -13.79 | — | — |
| EV / EBIT | — | — | — | — | — | — | — | — | -16.11 | — | — |
| EV / FCF | — | — | — | — | -0.80 | 4.42 | — | — | — | 7.51 | — |
CARV Profitability
Margins and return-on-capital ratios measuring operating efficiency
Carver Bancorp, Inc. earns an operating margin of -36.8%, below the Financial Services sector average of 20.3%. Operating margins have compressed from -14.1% to -36.8% over the past 3 years, signaling potential cost pressures or competitive headwinds. A negative ROE of -38.2% indicates the company is currently destroying shareholder equity.
Margins
Full margin charts and quarterly trend are on the Earnings History page
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | 56.3% | 56.3% | 71.7% | 84.0% | 90.1% | 83.7% | 77.8% | 78.5% | 81.4% | 83.9% | 80.5% |
| Operating Margin | -36.8% | -36.8% | -7.3% | -14.1% | -2.8% | -14.7% | -21.4% | -21.8% | 18.3% | -8.9% | -5.2% |
| Net Profit Margin | -36.8% | -36.8% | -7.3% | -14.1% | -2.8% | -14.7% | -21.4% | -21.8% | 18.4% | -9.3% | -5.6% |
Return on Capital
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE | -38.2% | -38.2% | -6.8% | -8.8% | -1.6% | -7.7% | -11.3% | -12.0% | 10.8% | -5.7% | -3.3% |
| ROA | -1.8% | -1.8% | -0.4% | -0.6% | -0.1% | -0.6% | -0.9% | -0.9% | 0.8% | -0.4% | -0.2% |
| ROIC | -13.0% | -13.0% | -2.1% | -3.4% | -0.7% | -3.1% | -5.5% | -5.6% | 4.3% | -1.9% | -1.0% |
| ROCE | -15.4% | -15.4% | -2.6% | -3.8% | -0.7% | -3.7% | -6.3% | -6.2% | 4.9% | -2.3% | -1.2% |
CARV Leverage & Debt
Solvency and debt-coverage ratios — lower is generally safer
The company holds a net cash position — cash of $50M exceeds total debt of $29M, providing substantial financial flexibility for buybacks, acquisitions, or weathering downturns.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 0.98 | 0.98 | 1.35 | 1.42 | 0.55 | 1.02 | 0.65 | 0.45 | 0.74 | 1.04 | 1.32 |
| Debt / EBITDA | — | — | — | — | 166.71 | — | — | — | 6.18 | — | — |
| Net Debt / Equity | — | -0.72 | -0.04 | 0.48 | -0.56 | -0.43 | -0.32 | -0.21 | -1.85 | -0.20 | 0.10 |
| Net Debt / EBITDA | — | — | — | — | -168.55 | — | — | — | -15.46 | — | — |
| Debt / FCF | — | — | — | — | -4.41 | -11.43 | — | — | — | -16.43 | — |
| Interest Coverage | -0.91 | -0.91 | -0.26 | -0.90 | -0.35 | -0.88 | -0.96 | -0.97 | 1.01 | -0.56 | -0.36 |
Net cash position: cash ($50M) exceeds total debt ($29M)
CARV Liquidity & Efficiency
Short-term solvency ratios and asset-utilisation metrics
The current ratio of 0.15x is below 1.0, meaning current liabilities exceed current assets.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Current Ratio | 0.15 | 0.15 | 0.17 | 0.16 | 0.21 | 0.30 | 0.24 | 0.24 | 0.34 | 0.21 | 0.20 |
| Quick Ratio | 0.15 | 0.15 | 0.17 | 0.16 | 0.21 | 0.30 | 0.24 | 0.24 | 0.34 | 0.21 | 0.20 |
| Cash Ratio | 0.08 | 0.08 | 0.09 | 0.07 | 0.10 | 0.14 | 0.10 | 0.07 | 0.23 | 0.10 | 0.10 |
| Asset Turnover | — | 0.05 | 0.05 | 0.04 | 0.04 | 0.04 | 0.04 | 0.05 | 0.04 | 0.04 | 0.04 |
| Inventory Turnover | — | — | — | — | — | — | — | — | — | — | — |
| Days Sales Outstanding | — | — | — | — | — | — | — | — | — | — | — |
CARV Shareholder Yields
Earnings, FCF, buyback, and dividend yields — total returns to shareholders
Carver Bancorp, Inc. does not currently pay a dividend and has no material buyback yield, reinvesting earnings back into the business.
Dividends
Full dividend history and growth charts are on the Dividend History page
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Dividend Yield | — | — | — | — | — | — | — | — | — | — | — |
| Payout Ratio | — | — | — | — | — | — | — | — | — | — | — |
Total Shareholder Return Metrics
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Earnings Yield | — | — | — | — | — | — | — | — | 20.6% | — | — |
| FCF Yield | — | — | — | — | 27.7% | 6.3% | — | — | — | 4.2% | — |
| Buyback Yield | 0.0% | — | — | — | — | — | — | — | — | — | — |
| Total Shareholder Yield | 0.0% | — | — | — | — | — | — | — | — | — | — |
| Shares Outstanding | — | $5M | $5M | $4M | $4M | $3M | $4M | $4M | $4M | $4M | $4M |
Peer Comparison
Compare CARV with 10 similar companies in its peer group
| Company | Market Cap | P/E | EV/EBITDA | P/FCF | Gross Margin | Op Margin | ROE | ROIC | Debt/EBITDA |
|---|---|---|---|---|---|---|---|---|---|
 CARVYou | $8M | -0.6 | — | — | 56.3% | -36.8% | -38.2% | -13.0% | — |
 MGYR | $118M | 11.6 | 10.8 | 12.0 | 60.3% | 23.6% | 8.5% | 6.7% | 3.3 |
 BYFC | $92M | -3.1 | — | — | 51.9% | -38.8% | -9.0% | -3.7% | — |
 CZWI | $205M | 14.6 | 15.6 | 19.8 | 54.7% | 7.0% | 7.9% | 2.0% | 5.8 |
 NECB | $356M | 7.9 | 5.5 | 7.0 | 66.1% | 39.6% | 13.3% | 12.5% | 1.2 |
 HFBL | $62M | 16.1 | 8.3 | 11.5 | 63.9% | 14.4% | 7.2% | 5.9% | 0.7 |
 CHMG | $341M | 22.7 | 14.3 | 7.7 | 64.2% | 14.2% | 6.4% | 5.0% | 0.2 |
 NTRS | $32B | 19.7 | -4.0 | 5.8 | 56.5% | 16.3% | 13.5% | 6.0% | 5.1 |
 TBBK | $2B | 11.4 | 9.2 | 9.2 | 74.3% | 43.9% | 30.8% | 22.4% | 1.4 |
 CLBK | $2B | 39.3 | 42.5 | 35.6 | 50.3% | 11.9% | 4.6% | 2.0% | 17.2 |
 MBIN | $2B | 13.0 | 22.8 | — | 41.3% | 19.3% | 9.7% | 3.1% | 14.4 |
| Financial Services Median | — | 13.6 | 11.4 | 11.1 | 64.1% | 20.3% | 9.0% | 5.5% | 4.3 |
Peer selection based on competitive and market overlap. Compare multiple stocks →
Download Financial Ratios Data
Includes 30+ ratios · 30 years · Updated daily
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CARV — Frequently Asked Questions
Quick answers to the most common questions about buying CARV stock.
What is Carver Bancorp, Inc.'s P/E ratio?
Carver Bancorp, Inc.'s current P/E ratio is -0.6x. The historical average is 17.9x.
What is Carver Bancorp, Inc.'s ROE?
Carver Bancorp, Inc.'s return on equity (ROE) is -38.2%. The historical average is -6.6%.
Is CARV stock overvalued?
Based on historical data, Carver Bancorp, Inc. is trading at a P/E of -0.6x. Compare with industry peers and growth rates for a complete picture.
What are Carver Bancorp, Inc.'s profit margins?
Carver Bancorp, Inc. has 56.3% gross margin and -36.8% operating margin.