CARV
Carver Bancorp, Inc.
Price Chart
Latest Quote
$1.45
+0.12 (+9.02%)
Current Price
| Previous Close | $1.33 |
| Open | $1.32 |
| Day High | $1.50 |
| Day Low | $1.32 |
| Volume | 435 |
Stock Information
| Shares Outstanding | 5.29M |
| Total Debt | $35.08M |
| Cash Equivalents | $40.75M |
| Revenue | $22.31M |
| Net Income | $-13.03M |
| Sector | Financial Services |
| Industry | Banks - Regional |
| Market Cap | $7.67M |
| EPS (TTM) | $-2.49 |
| Exchange | OQB |
đ Comprehensive Analysis
Company Data
| Enterprise Value | $23.46M |
| Sales | $22.31M |
| Income | $-13.03M |
| Book/sh | $0.98 |
| Cash/sh | $7.71 |
| Employees | 96 |
Financial Ratios
Returns & Margins
| ROA | -1.80% |
| ROE | -39.00% |
| Operating Margin | -34.66% |
| Profit Margin | -58.39% |
Ownership
| Insider Ownership | 39.91% |
| Institutional Ownership | 0.03% |
| Insider & Institutional transactions data not available | |
Valuation Ratios
| P/S | 0.34 |
| P/B | 1.48 |
Analyst Data
| Recommendation | none |
Technical Indicators
| SMA20 | $1.48 |
| SMA50 | $1.61 |
| SMA200 | $1.89 |
| RSI | 45.00 |
| ATR | 0.0764 |
| Shares Float | 3.55M |
| Short Float | 0.75% |
| Short Ratio | 1.78 |
| Volatility | 1.51 |
| Rel Volume | 0.34 |
Performance History
| Week | +7.41% |
| Month | -12.65% |
| Quarter | -3.33% |
| 6 Months | +20.83% |
| YTD | +3.57% |
| Year | -7.05% |
| 3 Years | -59.94% |
| 5 Years | -89.52% |
| 10 Years | -62.82% |
Stock Score:
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Recent Price History
| Date | Close | Volume |
|---|---|---|
| 2026-06-16 | $1.45 | 900 |
| 2026-06-15 | $1.33 | 4,900 |
| 2026-06-12 | $1.39 | 300 |
| 2026-06-11 | $1.39 | 1,500 |
| 2026-06-10 | $1.40 | 1,300 |
| 2026-06-09 | $1.35 | 6,300 |
| 2026-06-08 | $1.40 | 5,400 |
| 2026-06-05 | $1.41 | 300 |
| 2026-06-04 | $1.42 | 9,900 |
| 2026-06-03 | $1.55 | 2,400 |
| 2026-06-02 | $1.59 | 1,400 |
| 2026-06-01 | $1.60 | 2,100 |
| 2026-05-29 | $1.60 | 1,500 |
| 2026-05-28 | $1.50 | 3,900 |
| 2026-05-27 | $1.51 | 600 |
| 2026-05-26 | $1.51 | 600 |
| 2026-05-22 | $1.51 | 3,700 |
| 2026-05-21 | $1.58 | 4,100 |
| 2026-05-20 | $1.60 | 0 |
| 2026-05-19 | $1.60 | 1,200 |
| 2026-05-18 | $1.60 | 1,100 |
About Carver Bancorp, Inc.
Carver Bancorp, Inc. operates as the holding company for Carver Federal Savings Bank that provides consumer and commercial banking services for consumers, businesses, non-profit organizations, and governmental and quasi-governmental agencies primarily in New York. It accepts various deposit products, including demand, savings, and time deposits; passbook and statement accounts, and certificates of deposit; and individual retirement accounts. The company provides lending products, such as one-to-four family residential, multifamily real estate, and commercial real estate lending; and construction and business loans. In addition, it offers other consumer and commercial banking products and services, including debit cards, online account opening and banking, online bill pay, and telephone banking, as well as check cashing, wire transfers, bill payment, reloadable prepaid card, and money order services. Carver Bancorp, Inc. was founded in 1948 and is headquartered in New York, New York.
đ° Latest News
A US$1.6m Market Cap Boost Pleasing ToCarver Bancorp Insiders
Simply Wall St. âĸ 2025-11-04T12:17:39Z
Zacks Initiates Coverage of Carver Bancorp With Neutral Recommendation
Zacks âĸ 2025-10-13T11:59:00Z
Carver Bancorp, Inc. (CARV)âs Largest Shareholder Dream Chasers Capital Group (DCCG) Expresses Interest in Acquiring a Controlling Interest
Insider Monkey âĸ 2025-09-27T14:26:44Z
Carver Bancorp First Quarter 2026 Earnings: US$0.22 loss per share (vs US$0.43 loss in 1Q 2025)
Simply Wall St. âĸ 2025-08-15T11:54:04Z
Period:
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Income Statement (Annual)
| Metric | 2025-03-31 | 2024-03-31 | 2023-03-31 | 2022-03-31 |
|---|---|---|---|---|
| Revenue | ||||
| Total Revenue | $22,237,000 | $29,284,000 | $26,384,000 | $27,820,000 |
| Operating Revenue | $22,237,000 | $29,284,000 | $26,384,000 | $27,820,000 |
| Expenses | ||||
| Interest Expense | $15,131,000 | $11,458,000 | $4,911,000 | $2,399,000 |
| Selling And Marketing Expense | $499,000 | $376,000 | $513,000 | $572,000 |
| General And Administrative Expense | $16,515,000 | $15,398,000 | $15,148,000 | $13,150,000 |
| Professional Expense And Contract Services Expense | $2,004,000 | $1,706,000 | $1,520,000 | $1,982,000 |
| Other Non Interest Expense | $8,351,000 | $8,106,000 | $6,660,000 | $6,094,000 |
| Income & Earnings | ||||
| Net Income From Continuing Operation Net Minority Interest | $-13,744,000 | $-2,977,000 | $-4,401,000 | $-847,000 |
| Net Interest Income | $19,151,000 | $22,561,000 | $22,789,000 | $20,466,000 |
| Interest Income | $34,282,000 | $34,019,000 | $27,700,000 | $22,865,000 |
| Normalized Income | $-13,744,000 | $-2,977,000 | $-4,401,000 | $-847,000 |
| Net Income From Continuing And Discontinued Operation | $-13,744,000 | $-2,977,000 | $-4,401,000 | $-847,000 |
| Net Income Common Stockholders | $-13,744,000 | $-2,977,000 | $-4,401,000 | $-847,000 |
| Net Income | $-13,744,000 | $-2,977,000 | $-4,401,000 | $-847,000 |
| Net Income Including Noncontrolling Interests | $-13,744,000 | $-2,977,000 | $-4,401,000 | $-847,000 |
| Net Income Continuous Operations | $-13,744,000 | $-2,977,000 | $-4,401,000 | $-847,000 |
| Pretax Income | $-13,744,000 | $-2,977,000 | $-4,401,000 | $-847,000 |
| Per Share | ||||
| Diluted EPS | $-2.65 | $-0.61 | $-1.03 | $-0.24 |
| Basic EPS | $-2.65 | $-0.61 | $-1.03 | $-0.24 |
| Other | ||||
| Tax Effect Of Unusual Items | $0 | $0 | $0 | $0 |
| Tax Rate For Calcs | $0 | $0 | $0 | $0 |
| Reconciled Depreciation | $813,000 | $965,000 | $1,058,000 | $1,029,000 |
| Diluted Average Shares | $5,183,492 | $4,845,975 | $4,277,709 | $3,588,523 |
| Basic Average Shares | $5,183,492 | $4,845,975 | $4,277,709 | $3,588,523 |
| Diluted NI Availto Com Stockholders | $-13,744,000 | $-2,977,000 | $-4,401,000 | $-847,000 |
| Tax Provision | $0 | $0 | $0 | $0 |
| Selling General And Administration | $17,014,000 | $15,774,000 | $15,661,000 | $13,722,000 |
| Insurance And Claims | $1,690,000 | $1,850,000 | $1,589,000 | $1,290,000 |
| Salaries And Wages | $14,825,000 | $13,548,000 | $13,559,000 | $11,860,000 |
| Occupancy And Equipment | $7,421,000 | $6,592,000 | $6,844,000 | $6,266,000 |
| Gain On Sale Of Security | - | - | - | $0 |
| Other Gand A | - | - | - | $2,615,000 |
Fetched: 2026-02-02
Balance Sheet (Annual)
| Metric | 2025-03-31 | 2024-03-31 | 2023-03-31 | 2022-03-31 |
|---|---|---|---|---|
| Assets | ||||
| Net Tangible Assets | $29,578,000 | $42,309,000 | $45,224,000 | $55,087,000 |
| Total Assets | $729,991,000 | $756,796,000 | $723,224,000 | $735,314,000 |
| Receivables | $2,980,000 | $3,662,000 | $1,911,000 | $2,414,000 |
| Other Receivables | $163,000 | $196,000 | - | - |
| Accounts Receivable | $2,817,000 | $3,466,000 | $1,911,000 | $2,414,000 |
| Cash And Cash Equivalents | $50,315,000 | $59,025,000 | $42,552,000 | $61,018,000 |
| Cash Equivalents | $505,000 | $503,000 | $254,000 | $254,000 |
| Cash Financial | $49,810,000 | $58,522,000 | $42,298,000 | $60,764,000 |
| Cash Cash Equivalents And Federal Funds Sold | $50,315,000 | $59,025,000 | $42,552,000 | $61,018,000 |
| Debt | ||||
| Total Debt | $29,112,000 | $57,152,000 | $64,263,000 | $30,342,000 |
| Long Term Debt And Capital Lease Obligation | $29,112,000 | $57,152,000 | $64,263,000 | $30,342,000 |
| Long Term Debt | $20,243,000 | $46,536,000 | $51,090,000 | $15,949,000 |
| Net Debt | - | - | $8,538,000 | - |
| Liabilities | ||||
| Total Liabilities Net Minority Interest | $700,413,000 | $714,487,000 | $678,000,000 | $680,227,000 |
| Equity | ||||
| Common Stock Equity | $7,844,000 | $20,575,000 | $19,846,000 | $29,159,000 |
| Preferred Stock Equity | $21,734,000 | $21,734,000 | $25,378,000 | $25,928,000 |
| Total Equity Gross Minority Interest | $29,578,000 | $42,309,000 | $45,224,000 | $55,087,000 |
| Stockholders Equity | $29,578,000 | $42,309,000 | $45,224,000 | $55,087,000 |
| Gains Losses Not Affecting Retained Earnings | $-11,953,000 | $-12,705,000 | $-12,215,000 | $-6,662,000 |
| Retained Earnings | $-65,293,000 | $-51,549,000 | $-47,904,000 | $-43,503,000 |
| Other | ||||
| Treasury Shares Number | $2,503,803 | $2,503,803 | $2,503,803 | $2,503,803 |
| Ordinary Shares Number | $5,283,564 | $5,140,872 | $4,295,607 | $4,216,815 |
| Share Issued | $7,787,367 | $7,644,675 | $6,799,410 | $6,720,618 |
| Tangible Book Value | $7,844,000 | $20,575,000 | $19,846,000 | $29,159,000 |
| Invested Capital | $28,087,000 | $67,111,000 | $70,936,000 | $45,108,000 |
| Capital Lease Obligations | $8,869,000 | $10,616,000 | $13,173,000 | $14,393,000 |
| Total Capitalization | $49,821,000 | $88,845,000 | $96,314,000 | $71,036,000 |
| Treasury Stock | $2,908,000 | $2,908,000 | $2,908,000 | $2,908,000 |
| Additional Paid In Capital | $87,920,000 | $87,660,000 | $82,805,000 | $82,165,000 |
| Capital Stock | $21,812,000 | $21,811,000 | $25,446,000 | $25,995,000 |
| Common Stock | $78,000 | $77,000 | $68,000 | $67,000 |
| Preferred Stock | $21,734,000 | $21,734,000 | $25,378,000 | $25,928,000 |
| Long Term Capital Lease Obligation | $8,869,000 | $10,616,000 | $13,173,000 | $14,393,000 |
| Investments And Advances | $46,272,000 | $50,038,000 | $56,161,000 | $72,850,000 |
| Held To Maturity Securities | $1,750,000 | $2,008,000 | $2,318,000 | $5,254,000 |
| Available For Sale Securities | $843,000 | - | - | - |
| Net PPE | $10,257,000 | $12,411,000 | $15,485,000 | $17,412,000 |
| Accumulated Depreciation | $-20,443,000 | $-19,630,000 | $-18,662,000 | $-17,604,000 |
| Gross PPE | $30,700,000 | $32,041,000 | $34,147,000 | $35,016,000 |
| Leases | $7,311,000 | $7,175,000 | $6,986,000 | $6,940,000 |
| Other Properties | $8,247,000 | $9,844,000 | $12,311,000 | $13,637,000 |
| Machinery Furniture Equipment | $15,142,000 | $15,022,000 | $14,850,000 | $14,439,000 |
| Other Short Term Investments | $43,679,000 | $48,030,000 | $53,843,000 | $67,596,000 |
Fetched: 2026-02-02
Cash Flow Statement (Annual)
| Metric | 2025-03-31 | 2024-03-31 | 2023-03-31 | 2022-03-31 |
|---|---|---|---|---|
| Free Cash Flow | ||||
| Free Cash Flow | $-12,940,000 | $-6,931,000 | $-10,738,000 | $6,960,000 |
| Operating Activities | ||||
| Operating Cash Flow | $-12,609,000 | $-6,571,000 | $-10,513,000 | $7,152,000 |
| Cash Flow From Continuing Operating Activities | $-12,609,000 | $-6,571,000 | $-10,513,000 | $7,152,000 |
| Operating Gains Losses | $191,000 | $-30,000 | $-107,000 | - |
| Investing Activities | ||||
| Capital Expenditure | $-331,000 | $-360,000 | $-225,000 | $-192,000 |
| Investing Cash Flow | $15,079,000 | $-20,053,000 | $-15,262,000 | $-79,079,000 |
| Cash Flow From Continuing Investing Activities | $15,079,000 | $-20,053,000 | $-15,262,000 | $-79,079,000 |
| Net Other Investing Changes | $1,904,000 | $262,000 | $-6,682,000 | $-32,000 |
| Financing Activities | ||||
| Issuance Of Capital Stock | $195,000 | $1,000,000 | $0 | $6,998,000 |
| Financing Cash Flow | $-11,180,000 | $43,097,000 | $7,309,000 | $57,354,000 |
| Cash Flow From Continuing Financing Activities | $-11,180,000 | $43,097,000 | $7,309,000 | $57,354,000 |
| Net Common Stock Issuance | $195,000 | $1,000,000 | $0 | $2,998,000 |
| Common Stock Issuance | $195,000 | $1,000,000 | $0 | $2,998,000 |
| Net Preferred Stock Issuance | - | - | $0 | $4,000,000 |
| Preferred Stock Issuance | - | - | $0 | $4,000,000 |
| Repurchase Of Capital Stock | - | - | - | $0 |
| Net Other Financing Charges | - | - | - | - |
| Other | ||||
| Repayment Of Debt | $-28,027,000 | $-10,000,000 | $-3,000 | $-23,702,000 |
| Issuance Of Debt | $1,814,000 | $5,527,000 | $35,000,000 | $2,500,000 |
| Interest Paid Supplemental Data | $15,210,000 | $10,711,000 | $4,621,000 | $5,520,000 |
| Income Tax Paid Supplemental Data | $222,000 | $232,000 | $193,000 | $211,000 |
| End Cash Position | $50,315,000 | $59,025,000 | $42,552,000 | $61,018,000 |
| Beginning Cash Position | $59,025,000 | $42,552,000 | $61,018,000 | $75,591,000 |
| Changes In Cash | $-8,710,000 | $16,473,000 | $-18,466,000 | $-14,573,000 |
| Net Issuance Payments Of Debt | $-26,213,000 | $-4,473,000 | $34,997,000 | $-21,202,000 |
| Net Short Term Debt Issuance | $0 | $-10,000,000 | $10,000,000 | $0 |
| Short Term Debt Payments | $0 | $-10,000,000 | $0 | - |
| Net Long Term Debt Issuance | $-26,213,000 | $5,527,000 | $24,997,000 | $-21,202,000 |
| Long Term Debt Payments | $-28,027,000 | $0 | $-3,000 | $-23,702,000 |
| Long Term Debt Issuance | $1,814,000 | $5,527,000 | $25,000,000 | $2,500,000 |
| Net Investment Purchase And Sale | $4,313,000 | $4,733,000 | $10,739,000 | $17,299,000 |
| Sale Of Investment | $4,313,000 | $5,336,000 | $10,739,000 | $17,299,000 |
| Purchase Of Investment | $0 | $-603,000 | $0 | $0 |
| Net PPE Purchase And Sale | $-331,000 | $-360,000 | $-225,000 | $-192,000 |
| Purchase Of PPE | $-331,000 | $-360,000 | $-225,000 | $-192,000 |
| Change In Working Capital | $-1,364,000 | $-4,887,000 | $-7,449,000 | $5,971,000 |
| Change In Other Current Liabilities | $-952,000 | $-3,054,000 | $-8,432,000 | $7,046,000 |
| Change In Other Current Assets | $-1,094,000 | $-82,000 | $480,000 | $-1,301,000 |
| Change In Receivables | $682,000 | $-1,751,000 | $503,000 | $226,000 |
| Changes In Account Receivables | $682,000 | $-1,751,000 | $503,000 | $226,000 |
| Other Non Cash Items | $-179,000 | $-459,000 | - | - |
| Stock Based Compensation | $66,000 | $220,000 | $91,000 | $122,000 |
| Depreciation Amortization Depletion | $813,000 | $965,000 | $1,058,000 | $1,029,000 |
| Depreciation And Amortization | $813,000 | $965,000 | $1,058,000 | $1,029,000 |
| Net Income From Continuing Operations | $-13,744,000 | $-2,977,000 | $-4,401,000 | $-847,000 |
| Short Term Debt Issuance | - | $0 | $10,000,000 | $0 |
| Common Stock Payments | - | - | - | $0 |
| Net Investment Properties Purchase And Sale | - | - | - | $0 |
| Sale Of Investment Properties | - | - | - | $0 |
| Gain Loss On Investment Securities | - | - | - | $0 |
Fetched: 2026-02-02