Last 47 quarters of trend data · Financial Services · Regional Banks
Quarterly valuation ratios — annualised for comparability. YoY Δ shows same-quarter-prior-year change.
| Metric | TTM | Q1 '27 | Q4 '26 | Q3 '26 | Q2 '26 | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| P/E Ratio → | -1.39 | — | — | — | — | — | — | — | — | — | 182.14 | 214.13 | — | — | — | — | — | — | — | 16.42 | 23.42 |
| — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | |
| P/S Ratio | 0.31 | 0.30 | 0.32 | 0.22 | 0.50 | 0.33 | 0.35 | 0.63 | 0.38 | 0.29 | 0.24 | 0.40 | 0.38 | 0.48 | 0.58 | 0.66 | 0.66 | 0.94 | 1.17 | 1.71 | 2.97 |
| — | -9.8% | -9.6% | -64.8% | +32.5% | +13.3% | +45.4% | +59.5% | -1.5% | -39.2% | -58.9% | -40.5% | -42.1% | -49.2% | -50.2% | -61.1% | -77.8% | -31.9% | +3.4% | +77.7% | +185.0% | |
| P/B Ratio | 0.36 | 0.35 | 0.35 | 0.25 | 0.47 | 0.32 | 0.25 | 0.30 | 0.25 | 0.18 | 0.19 | 0.30 | 0.26 | 0.28 | 0.38 | 0.39 | 0.37 | 0.48 | 0.54 | 0.81 | 1.75 |
| — | +9.0% | +40.7% | -16.3% | +90.2% | +76.2% | +35.5% | -0.0% | -6.0% | -35.6% | -51.0% | -24.3% | -29.0% | -41.3% | -29.3% | -51.5% | -78.7% | -28.2% | +3.5% | +93.5% | +232.6% | |
| P/FCF | — | — | — | — | — | — | — | — | — | — | — | 0.98 | — | — | — | 4.57 | — | — | 0.64 | 53.88 | — |
| — | — | — | — | — | — | — | — | — | — | — | -78.6% | — | — | — | -91.5% | — | — | -37.8% | — | — | |
| EV / EBITDA | — | — | — | — | — | — | — | — | — | — | 6.46 | -4.96 | — | — | — | — | — | — | -0.75 | 3.19 | 10.48 |
| — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | |
| EV / EBIT | — | — | — | — | — | — | — | — | — | — | 136.20 | -62.65 | — | — | — | — | — | — | -2.24 | 4.37 | 12.94 |
| — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — |
Quarterly margins and returns. Watch for margin compression across consecutive quarters.
| Metric | TTM | Q1 '27 | Q4 '26 | Q3 '26 | Q2 '26 | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | 99.7% | 98.2% | 98.3% | 99.9% | 100.2% | 100.4% | 93.0% | 97.5% | 93.0% | 95.8% | 99.9% | 101.2% | 97.6% | 99.9% | 91.9% | 95.4% | 102.9% | 100.4% | 97.9% | 97.2% | 97.5% |
| — | -2.2% | +5.7% | +2.5% | +7.8% | +4.8% | -6.9% | -3.7% | -4.7% | -4.1% | +8.8% | +6.1% | -5.2% | -0.5% | -6.1% | -1.8% | +5.5% | +1.6% | -2.1% | -2.7% | -2.5% | |
| Operating Margin | -25.1% | -26.2% | -22.1% | -24.1% | -6.2% | -17.0% | -70.7% | -149.1% | -32.1% | -35.6% | 0.1% | 0.2% | -23.1% | -22.7% | -20.4% | -16.4% | -14.6% | -13.3% | 2.0% | 10.2% | 13.1% |
| — | -54.0% | +68.8% | +83.8% | +80.7% | +52.2% | -52721.7% | -62880.0% | -39.0% | -56.9% | +100.7% | +101.5% | -58.0% | -70.9% | -1096.9% | -260.5% | -211.6% | +69.9% | +112.7% | +139.2% | +194.7% | |
| Net Margin | -25.1% | -26.2% | -22.1% | -24.1% | -38.1% | -17.0% | -70.7% | -149.1% | -32.1% | -35.6% | 0.1% | 0.2% | -23.1% | -22.7% | -20.4% | -16.4% | -14.6% | -13.3% | 2.0% | 10.2% | 13.1% |
| — | -54.0% | +68.8% | +83.8% | -18.6% | +52.2% | -52721.7% | -62880.0% | -39.0% | -56.9% | +100.7% | +101.5% | -58.0% | -70.9% | -1096.9% | -260.5% | -211.6% | +69.9% | +112.7% | +139.2% | +194.7% |
| Metric | TTM | Q1 '27 | Q4 '26 | Q3 '26 | Q2 '26 | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE | -25.2% | -7.5% | -6.1% | -6.5% | -8.8% | -4.1% | -12.2% | -15.7% | -5.3% | -5.4% | 0.0% | 0.0% | -3.9% | -3.2% | -3.3% | -2.4% | -2.0% | -1.6% | 0.2% | 1.2% | 2.0% |
| — | -84.3% | +50.0% | +58.3% | -65.4% | +24.8% | -47185.7% | -34068.1% | -37.3% | -66.2% | +100.8% | +101.9% | -95.7% | -99.8% | -1551.2% | -295.1% | -198.1% | +69.4% | +111.7% | +143.3% | +216.0% | |
| ROA | -1.0% | -0.3% | -0.2% | -0.2% | -0.3% | -0.2% | -0.5% | -0.8% | -0.3% | -0.3% | 0.0% | 0.0% | -0.2% | -0.2% | -0.2% | -0.1% | -0.1% | -0.1% | 0.0% | 0.1% | 0.2% |
| — | -66.2% | +56.6% | +67.9% | -21.9% | +44.6% | -37064.3% | -30708.0% | -29.6% | -48.6% | +100.7% | +101.7% | -65.2% | -64.8% | -1280.8% | -252.4% | -184.6% | +70.4% | +112.5% | +150.5% | +229.6% | |
| ROIC | -7.6% | -1.9% | -1.3% | -1.6% | -0.5% | -1.5% | -4.1% | -5.0% | -1.7% | -1.7% | 0.0% | 0.0% | -1.2% | -1.0% | -1.1% | -0.8% | -0.7% | -0.7% | 0.1% | 0.6% | 0.8% |
| — | -22.8% | +68.3% | +68.7% | +70.9% | +9.9% | -49807.3% | -35271.3% | -45.9% | -69.8% | +100.7% | +101.8% | -68.3% | -35.2% | -1117.6% | -238.1% | -183.1% | +63.3% | +116.1% | +161.2% | +245.4% |
Quarterly solvency trend — watch for debt spikes or covenant pressure.
| Metric | TTM | Q1 '27 | Q4 '26 | Q3 '26 | Q2 '26 | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 2.10 | 1.93 | 2.10 | 2.97 | 1.30 | 1.03 | 0.98 | 1.48 | 1.22 | 1.46 | 1.35 | 1.35 | 1.47 | 1.50 | 1.42 | 0.99 | 1.52 | 0.78 | 0.55 | 0.54 | 0.66 |
| — | +86.2% | +113.0% | +100.1% | +7.1% | -29.3% | -27.1% | +9.5% | -17.5% | -2.2% | -4.9% | +36.4% | -3.1% | +90.6% | +158.0% | +82.7% | +130.7% | -19.4% | -45.9% | -56.8% | -48.1% | |
| Debt / EBITDA | — | — | — | — | — | — | — | — | — | — | 246.34 | 240.92 | — | — | — | — | — | — | 78.20 | 32.88 | 27.71 |
| — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | |
| Current Ratio | 5.33 | 0.15 | 5.33 | 0.16 | 89.77 | 0.11 | 0.15 | 0.15 | 0.17 | 0.15 | 0.17 | 0.19 | 0.16 | 0.16 | 0.16 | 0.16 | 0.24 | 0.18 | 0.21 | 0.23 | 0.27 |
| — | +37.9% | +3534.9% | +5.3% | +54240.4% | -28.9% | -14.4% | -20.7% | +2.2% | -6.0% | +4.5% | +16.7% | -33.6% | -10.7% | -21.5% | -29.0% | -9.1% | -38.6% | -29.5% | -28.0% | -18.0% | |
| Quick Ratio | 5.33 | 0.15 | 5.33 | 0.16 | 89.77 | 0.11 | 0.15 | 0.15 | 0.17 | 0.15 | 0.17 | 0.19 | 0.16 | 0.16 | 0.16 | 0.16 | 0.24 | 0.18 | 0.21 | 0.23 | 0.27 |
| — | +37.9% | +3534.9% | +5.3% | +54240.4% | -28.9% | -14.4% | -20.7% | +2.2% | -6.0% | +4.5% | +16.7% | -33.6% | -10.7% | -21.5% | -29.0% | -9.1% | -38.6% | -29.5% | -28.0% | -18.0% | |
| Interest Coverage | -0.51 | -0.63 | -0.50 | -0.52 | -0.71 | -0.33 | -1.02 | -1.45 | -0.55 | -0.60 | 0.00 | 0.01 | -0.61 | -0.62 | -0.90 | -0.75 | -0.78 | -1.53 | 0.22 | 1.17 | 1.96 |
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Includes 30+ ratios · 47 years · Updated daily
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Quick answers to the most common questions about buying CARV stock.
Carver Bancorp, Inc.'s current P/E is -1.4x. Quarterly P/E ratios can vary due to seasonal revenue patterns and one-time charges.
Carver Bancorp, Inc.'s current operating margin is -25.1%. Margins have been compressing over recent quarters. Quarterly margins are particularly useful for identifying trend inflections that annual data smooths over.
Quarterly financial ratios reveal short-term trend shifts — margin compression, debt spikes, or valuation re-ratings — that annual figures smooth over. They're essential for active investors tracking Carver Bancorp, Inc.'s business trajectory between earnings reports.