Carver Bancorp, Inc. (CARV) P/E Ratio History
Deep ValueTrading at -0.6x · 0th percentile of 5-year range · Significant discount to historical valuation · Data 1996–2019
Loading P/E history...
P/E Ratio Analysis
As of June 22, 2026, Carver Bancorp, Inc. (CARV) trades at a price-to-earnings ratio of -0.6x, with a stock price of $1.56 and trailing twelve-month earnings per share of $-2.47.
The current P/E is 101% below its 5-year average of 70.4x. Over the past five years, CARV's P/E has ranged from a low of 1.9x to a high of 665.0x, placing the current valuation at the 0th percentile of its historical range.
Compared to the Financial Services sector median P/E of 13.6x, CARV trades at a 104% discount to its sector peers. The sector includes 783 companies with P/E ratios ranging from 0.0x to 196.5x.
Relative to the broader market, CARV trades at a notable discount to the S&P 500 median P/E of 24.4x. Investors should consider the company's growth prospects, competitive position, and earnings quality when evaluating whether the current valuation is justified.
For a comprehensive intrinsic value estimate using discounted cash flow analysis, see our CARV DCF Valuation Calculator →
Note: P/E ratio is just one valuation metric. It does not account for balance sheet strength, cash flow quality, or growth sustainability. Always conduct comprehensive due diligence before making investment decisions.
CARV Cross-Benchmark Valuation
How does the current P/E compare to sector peers and the broader market?
CARV P/E vs Peers
Commercial real estate and multifamily lenders peers sorted by market cap
| Company | Market Cap | P/E Ratio | PEG Ratio | EPS Growth (1Y) |
|---|---|---|---|---|
| $118M | 11.6 | 0.36 | +27% | |
| $205M | 14.6 | 2.88 | +9% | |
| $356M | 7.9Lowest | 0.23Best | -8% | |
| $62M | 16.1 | 4.85 | +8% | |
| $341M | 22.7 | - | -37% | |
| $32B | 19.7 | 2.00 | -11% | |
| $2B | 11.4 | 0.39 | +15% | |
| $2B | 39.3 | - | +564%Best | |
| $2B | 13.0 | - | -40% |
Lower P/E can signal a discount or weaker growth expectations; PEG adds growth context.
CARV Historical P/E Data (1996–2019)
Quarterly P/E ratios calculated from closing price and TTM EPS
| Quarter | Period End | Price | TTM EPS | P/E Ratio | vs Avg |
|---|---|---|---|---|---|
| FY2019 Q3 | Dec 31 2018 | $2.98 | $0.85 | 3.5x | -91% |
| FY2019 Q2 | Sep 30 2018 | $4.31 | $0.95 | 4.5x | -88% |
| FY2019 Q1 | Jun 30 2018 | $4.63 | $1.34 | 3.5x | -91% |
| FY2018 Q4 | Mar 31 2018 | $2.82 | $1.45 | 1.9x | -95% |
| FY2016 Q3 | - | $3.75 | $0.04 | 93.8x | +148% |
| FY2016 Q2 | Sep 30 2015 | $6.65 | $0.01 | 665.0x | +1662% |
| FY2016 Q1 | - | $5.52 | $0.11 | 50.2x | +33% |
| FY2015 Q4 | - | $4.64 | $0.11 | 42.2x | +12% |
| FY2015 Q3 | Dec 31 2014 | $6.25 | $0.03 | 208.3x | +452% |
| FY2014 Q4 | Mar 31 2014 | $12.72 | $0.06 | 212.0x | +462% |
| FY2014 Q3 | - | $6.99 | $0.36 | 19.4x | -49% |
| FY2014 Q2 | Sep 30 2013 | $7.80 | $0.52 | 15.0x | -60% |
| FY2014 Q1 | Jun 30 2013 | $5.44 | $0.39 | 13.9x | -63% |
| FY2013 Q4 | Mar 31 2013 | $4.60 | $0.18 | 25.6x | -32% |
| FY2009 Q2 | - | $101.25 | $20.14 | 5.0x | -87% |
| FY2009 Q1 | Jun 30 2008 | $131.25 | $20.89 | 6.3x | -83% |
| FY2008 Q4 | Mar 31 2008 | $174.00 | $23.44 | 7.4x | -80% |
| FY2008 Q3 | Dec 31 2007 | $203.40 | $28.16 | 7.2x | -81% |
| FY2008 Q2 | Sep 30 2007 | $237.75 | $26.96 | 8.8x | -77% |
| FY2008 Q1 | Jun 30 2007 | $239.40 | $17.06 | 14.0x | -63% |
| FY2007 Q4 | Mar 31 2007 | $250.20 | $15.11 | 16.6x | -56% |
| FY2007 Q3 | Dec 31 2006 | $233.70 | $13.58 | 17.2x | -54% |
| FY2007 Q2 | Sep 30 2006 | $250.50 | $12.98 | 19.3x | -49% |
| FY2007 Q1 | Jun 30 2006 | $259.50 | $21.83 | 11.9x | -69% |
| FY2006 Q4 | Mar 31 2006 | $255.90 | $22.13 | 11.6x | -69% |
| FY2006 Q3 | Dec 31 2005 | $231.00 | $18.28 | 12.6x | -67% |
| FY2006 Q2 | Sep 30 2005 | $248.85 | $16.18 | 15.4x | -59% |
| FY2006 Q1 | - | $255.75 | $14.08 | 18.2x | -52% |
| FY2005 Q4 | - | $280.50 | $15.43 | 18.2x | -52% |
| FY2005 Q3 | Dec 31 2004 | $300.00 | $20.17 | 14.9x | -61% |
| FY2005 Q2 | - | $306.00 | $21.82 | 14.0x | -63% |
| FY2005 Q1 | Jun 30 2004 | $300.00 | $28.72 | 10.4x | -72% |
| FY2004 Q4 | Mar 31 2004 | $352.50 | $28.72 | 12.3x | -67% |
| FY2004 Q3 | Dec 31 2003 | $381.00 | $28.58 | 13.3x | -65% |
| FY2004 Q2 | - | $272.25 | $27.23 | 10.0x | -74% |
| FY2004 Q1 | Jun 30 2003 | $246.75 | $24.53 | 10.1x | -73% |
| FY2003 Q4 | Mar 31 2003 | $210.00 | $23.48 | 8.9x | -76% |
| FY2003 Q3 | - | $168.30 | $25.29 | 6.7x | -82% |
| FY2003 Q2 | Sep 30 2002 | $148.50 | $29.94 | 5.0x | -87% |
| FY2003 Q1 | Jun 30 2002 | $183.60 | $27.24 | 6.7x | -82% |
| FY2002 Q4 | Mar 31 2002 | $171.00 | $29.04 | 5.9x | -84% |
| FY2002 Q3 | Dec 31 2001 | $135.00 | $17.47 | 7.7x | -80% |
| FY2002 Q2 | Sep 30 2001 | $133.50 | $4.12 | 32.4x | -14% |
| FY2002 Q1 | Jun 30 2001 | $131.10 | $2.77 | 47.3x | +25% |
| FY2000 Q3 | Dec 31 1999 | $166.88 | $18.09 | 9.2x | -76% |
| FY1999 Q2 | Sep 30 1998 | $136.88 | $6.25 | 21.9x | -42% |
| FY1999 Q1 | - | $198.75 | $7.15 | 27.8x | -26% |
| FY1998 Q4 | - | $223.13 | $7.15 | 31.2x | -17% |
| FY1997 Q1 | Jun 30 1996 | $120.00 | $5.85 | 20.5x | -46% |
| FY1996 Q4 | Mar 31 1996 | $131.25 | $5.85 | 22.4x | -41% |
Average P/E for displayed period: 37.7x
Intrinsic Valuation
DCF models, multiple analysis, and analyst estimates.
Historical Returns
30+ years return with dividends reinvested.
DCA Calculator
See how regular investing compounds over time.
Peer Comparison
Compare growth, multiples, and margins vs sector.
CARV — Frequently Asked Questions
Quick answers to the most common questions about buying CARV stock.
What is CARV's P/E ratio?
Carver Bancorp, Inc. (CARV) trailing twelve-month P/E ratio is -0.6x, based on TTM diluted EPS of $-2.47. The 5-year average P/E is 70.4x and the historical range spans 1.9x to 665.0x.
Is CARV stock overvalued or undervalued?
CARV trades at -0.6x P/E, below its 5-year average of 70.4x. At the 0th percentile of its historical range (1.9x–665.0x), the stock is priced at a discount to its own history.
Is CARV stock expensive?
No, CARV is not expensive on a historical basis. The current P/E of -0.6x is below the 5-year average of 70.4x and sits at the 0th percentile of its valuation range.
What is CARV's historical P/E range?
Over the past 5 years, CARV's P/E ratio has ranged from 1.9x to 665.0x, with a median of 14.0x and an average of 70.4x. The current P/E of -0.6x places the stock at the 0th percentile of this range. Full historical data spans 1996–2019.
How does CARV's P/E compare to the S&P 500?
CARV trades at -0.6x P/E versus the S&P 500 median of 24.4x. The 102% discount to the market suggests lower growth expectations or perceived higher risk.
How does CARV's valuation compare to Financial Services peers?
Carver Bancorp, Inc. P/E of -0.6x compares to the Financial Services sector median of 13.6x. The discount suggests lower growth expectations, weaker margins, or higher perceived risk relative to peers. See the peer comparison table on this page for ticker-by-ticker P/E and PEG.
What is CARV's PEG ratio?
CARV PEG ratio is N/A, based on a P/E of -0.6x and EPS growth of -334.4%. PEG normalises P/E by growth and helps compare stocks with different earnings trajectories.
What is CARV's earnings yield?
CARV earnings yield is N/A, the inverse of its -0.6x P/E ratio. Earnings yield represents the percentage of each dollar invested that the company earns. It can be compared directly to bond yields to assess relative attractiveness of stocks versus fixed income.