CARV
Carver Bancorp, Inc.
Price Chart
Latest Quote
$1.85
+0.01 (+0.54%)
Current Price
| Previous Close | $1.84 |
| Open | $1.85 |
| Day High | $1.85 |
| Day Low | $1.85 |
| Volume | 600 |
Stock Information
| Shares Outstanding | 5.83M |
| Total Debt | $51.75M |
| Cash Equivalents | $46.26M |
| Revenue | $27.22M |
| Net Income | $-6.84M |
| Sector | Financial Services |
| Industry | Banks - Regional |
| Market Cap | $10.79M |
| EPS (TTM) | $-1.36 |
| Exchange | OQB |
đ Comprehensive Analysis
Company Data
| Enterprise Value | $38.01M |
| Sales | $27.22M |
| Income | $-6.84M |
| Book/sh | $0.51 |
| Cash/sh | $7.93 |
Financial Ratios
Returns & Margins
| ROA | -0.98% |
| ROE | -25.23% |
| Operating Margin | -19.64% |
| Profit Margin | -25.15% |
Ownership
| Insider Ownership | 27.84% |
| Institutional Ownership | 0.03% |
| Insider & Institutional transactions data not available | |
Valuation Ratios
| P/S | 0.40 |
| P/B | 3.66 |
Analyst Data
| Recommendation | none |
Technical Indicators
| SMA20 | $1.80 |
| SMA50 | $1.75 |
| SMA200 | $1.63 |
| RSI | 44.74 |
| ATR | 0.1014 |
| Shares Float | 4.07M |
| Short Float | 0.38% |
| Short Ratio | 0.34 |
| Volatility | 1.42 |
| Rel Volume | 0.38 |
Performance History
| Week | +3.35% |
| Month | +3.35% |
| Quarter | +5.71% |
| 6 Months | +11.45% |
| YTD | +32.14% |
| Year | -33.21% |
| 3 Years | +35.04% |
| 5 Years | -88.34% |
| 10 Years | -58.89% |
Stock Score:
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Recent Price History
| Date | Close | Volume |
|---|---|---|
| 2026-10-29 | $1.85 | 1,000 |
| 2026-10-28 | $1.84 | 17,400 |
| 2026-10-27 | $1.85 | 0 |
| 2026-10-26 | $1.85 | 1,500 |
| 2026-10-23 | $1.85 | 2,000 |
| 2026-10-22 | $1.79 | 6,900 |
| 2026-10-21 | $1.80 | 1,200 |
| 2026-10-20 | $1.70 | 500 |
| 2026-10-19 | $1.75 | 0 |
| 2026-10-16 | $1.75 | 0 |
| 2026-10-15 | $1.75 | 300 |
| 2026-10-14 | $1.85 | 11,900 |
| 2026-10-13 | $1.89 | 0 |
| 2026-10-12 | $1.89 | 0 |
| 2026-10-09 | $1.89 | 800 |
| 2026-10-08 | $1.78 | 7,900 |
| 2026-10-07 | $1.78 | 1,200 |
| 2026-10-06 | $1.74 | 0 |
| 2026-10-05 | $1.74 | 0 |
| 2026-10-02 | $1.74 | 200 |
| 2026-10-01 | $1.78 | 2,000 |
| 2026-09-30 | $1.79 | 600 |
About Carver Bancorp, Inc.
Carver Bancorp, Inc. operates as the holding company for Carver Federal Savings Bank that focuses on community banking. The company provides deposit accounts through its branches; and invest funds in mortgage loans and other investments. It also offers online banking, savings and checking accounts, and loans. In addition, the company provides one-to-four family, multifamily, commercial real estate, construction, business and SBA, and consumer loans. Further, it offers Certificates of deposit, banking for students and military customers, and services; e-statements, mobile banking, zelle, and other services. Additionally, the company provides cash management services, landlord solutions, and credit cards; lending; and loan servicing activities. Carver Bancorp, Inc. was founded in 1948 and is headquartered in New York, New York.
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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