Carver Bancorp, Inc. (CARV) quarterly income statement — complete revenue, gross profit & net income history
| Metric | 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 | Q1'22 | Q4'21 | Q3'21 |
|---|
| Net Interest Income | 5.13M | 5.64M | 4.7M | 2.96M | 6M | 5.5M | 6.18M | 5.48M | 5.4M | 5.5M | 5.73M | 5.74M | 5.5M | 5.81M | 5.58M | 5.07M | 5.16M | 4.65M | 4.33M | 4.14M |
| NII Growth % | -14.4% | 2.49% | -23.98% | -46.09% | 11.04% | 0.04% | 7.85% | -4.56% | -1.89% | -5.37% | 2.71% | 13.23% | 6.56% | 24.98% | 28.88% | 22.54% | 33.3% | 31.19% | 9.54% | 2.73% |
| Net Interest Margin % | 0.74% | 0.79% | 0.64% | 0.41% | 0.8% | 0.74% | 0.82% | 0.71% | 0.73% | 0.77% | 0.79% | 0.81% | 0.73% | 0.84% | 0.76% | 0.7% | 0.73% | 0.68% | 0.64% | 0.6% |
| Interest Income | 8.57M | 9.2M | 8.4M | 6.84M | 9.83M | 9.21M | 9.74M | 8.47M | 8.01M | 7.79M | 7.4M | 7.2M | 6.72M | 6.37M | 6.15M | 5.67M | 5.72M | 5.33M | 5.21M | 5.24M |
| Interest Expense | 3.44M | 3.56M | 3.71M | 3.89M | 3.83M | 3.7M | 3.56M | 2.99M | 2.61M | 2.29M | 1.68M | 1.46M | 1.22M | 559K | 575K | 593K | 554K | 677K | 880K | 1.1M |
| Loan Loss Provision | -15K | -26K | 374K | 96K | 461K | 260K | 6K | -97K | 168K | 6K | 597K | 305K | -189K | -27K | 135K | 192K | 204K | 72K | -1K | 4K |
| Non-Interest Income | 1.25M | 1.27M | 639K | 833K | 584K | 705K | 2.01M | 2.52M | 1.46M | 755K | 1.61M | 907K | 1.02M | 635K | 718K | 1.75M | 3.1M | 1.59M | 1.64M | 899K |
| Non-Interest Income % | 12.72% | 12.11% | 7.07% | 10.85% | 5.61% | 7.11% | 17.11% | 22.92% | 15.44% | 8.83% | 17.91% | 11.19% | 13.21% | 9.06% | 10.45% | 23.6% | 35.19% | 23.02% | 23.98% | 14.65% |
| Total Revenue | 9.82M | 10.47M | 9.04M | 7.68M | 10.41M | 9.91M | 11.75M | 10.99M | 9.47M | 8.55M | 9.02M | 8.11M | 7.75M | 7.01M | 6.87M | 7.42M | 8.82M | 6.92M | 6.85M | 6.14M |
| Revenue Growth % | -5.71% | 5.65% | -23.05% | -30.16% | 9.89% | 15.94% | 30.3% | 35.64% | 22.25% | 21.99% | 31.26% | 9.31% | -12.17% | 1.23% | 0.29% | 20.8% | 25.24% | 6.98% | 16.55% | -4.94% |
| Non-Interest Expense | 8.83M | 8.11M | 8.73M | 9.34M | 8.23M | 8.16M | 8.17M | 8.08M | 8.28M | 7.67M | 8.25M | 7.43M | 7.67M | 7.33M | 6.03M | 5.93M | 6.98M | 8.93M | 6.94M | 6.34M |
| Efficiency Ratio | 89.92% | 77.46% | 96.57% | 121.65% | 79.07% | 82.33% | 69.55% | 73.49% | 87.41% | 89.74% | 91.44% | 91.72% | 98.99% | 104.64% | 87.79% | 80.03% | 79.12% | 128.99% | 101.26% | 103.36% |
| Operating Income | -396K | -1.18M | -3.77M | -5.65M | -2.11M | -2.21M | 11K | 19K | -1.59M | -1.42M | -1.5M | -1.09M | -955K | -857K | 129K | 696K | 1.08M | -2.76M | -965K | -1.31M |
| Operating Margin % | -4.03% | -11.24% | -41.7% | -73.56% | -20.3% | -22.32% | 0.09% | 0.17% | -16.74% | -16.62% | -16.63% | -13.44% | -12.32% | -12.23% | 1.88% | 9.39% | 12.29% | -39.81% | -14.09% | -21.34% |
| Operating Income Growth % | 81.26% | 46.79% | -34381.82% | -29826.32% | -33.23% | -55.66% | 100.73% | 101.74% | -66.07% | -65.81% | -1262.79% | -256.47% | -188.1% | 68.9% | 113.37% | 153.13% | 233.99% | -239.41% | 46.33% | 8.77% |
| Pretax Income | -2.43M | -1.18M | -3.77M | -5.65M | -2.11M | -2.21M | 11K | 19K | -1.59M | -1.42M | -1.5M | -1.09M | -955K | -857K | 129K | 696K | 1.08M | -2.76M | -965K | -1.31M |
| Pretax Margin % | -24.77% | -11.24% | -41.7% | -73.56% | -20.3% | -22.32% | 0.09% | 0.17% | -16.74% | -16.62% | -16.63% | -13.44% | -12.32% | -12.23% | 1.88% | 9.39% | 12.29% | -39.81% | -14.09% | -21.34% |
| Income Tax | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Effective Tax Rate % | 0% | 0% | 0% | 0% | 0% | 0% | 0% | 0% | 0% | 0% | 0% | 0% | 0% | 0% | 0% | 0% | 0% | 0% | 0% | 0% |
| Net Income | -2.43M | -1.18M | -3.77M | -5.65M | -2.11M | -2.21M | 11K | 19K | -1.59M | -1.42M | -1.5M | -1.09M | -955K | -857K | 129K | 696K | 1.08M | -2.76M | -965K | -1.31M |
| Net Margin % | -24.77% | -11.24% | -41.7% | -73.56% | -20.3% | -22.32% | 0.09% | 0.17% | -16.74% | -16.62% | -16.63% | -13.44% | -12.32% | -12.23% | 1.88% | 9.39% | 12.29% | -39.81% | -14.09% | -21.34% |
| Net Income Growth % | -15.05% | 46.79% | -34381.82% | -29826.32% | -33.23% | -55.66% | 100.73% | 101.74% | -66.07% | -65.81% | -1262.79% | -256.47% | -188.1% | 68.9% | 113.37% | 153.13% | 233.99% | -239.41% | 46.33% | 8.77% |
| Net Income (Continuing) | -2.43M | -1.18M | -3.77M | -5.65M | -2.11M | -2.21M | 11K | 19K | -1.59M | -1.42M | -1.5M | -1.09M | -955K | -857K | 129K | 696K | 1.08M | -2.76M | -965K | -1.31M |
| EPS (Diluted) | -0.46 | -0.22 | -0.71 | -1.09 | -0.41 | -0.43 | 0.00 | 0.00 | -0.33 | -0.32 | -0.74 | -0.25 | -0.22 | -0.20 | -0.13 | 0.13 | 0.19 | -0.81 | -0.32 | -0.44 |
| EPS Growth % | -12.2% | 48.84% | - | - | -24.24% | -34.38% | 100.28% | 100.92% | -50% | -60% | -469.23% | -292.31% | -215.79% | 75.31% | 59.38% | 129.55% | 190.48% | -268.18% | 34.69% | -12.82% |
| EPS (Basic) | -0.46 | -0.22 | -0.71 | -1.09 | -0.41 | -0.43 | 0.00 | 0.00 | -0.33 | -0.32 | -0.74 | -0.25 | -0.22 | -0.20 | -0.13 | 0.13 | 0.20 | -0.81 | -0.32 | -0.44 |
| Diluted Shares Outstanding | 5.28M | 5.28M | 5.28M | 5.19M | 5.14M | 5.14M | 5.14M | 6.42M | 4.82M | 4.5M | 4.3M | 4.29M | 4.29M | 4.23M | 4.22M | 5.45M | 5.51M | 3.38M | 2.98M | 2.98M |