Symbols / CARV $1.35 +0.00% Carver Bancorp, Inc.

Financial Services • Banks - Regional • United States • OQB
CARV Chart
O: — H: — L: — C: — V: —
SMA 20: — SMA 50: — SMA 200: —
Stock Fundamentals
Scroll to Statements
Index EQUITY
Sector Financial Services
Industry Banks - Regional
CEO Mr. Donald Felix
Exch · Country OQB · United States
Market Cap 7.14M
Enterprise Value 22.94M
Income -13.03M
Sales 22.31M
FCF (ttm) —
Book/sh 0.98
Cash/sh 8.00
Employees 96
Insider 10d —
IPO Oct 25, 1994
Div forward ($/yr)
Div TTM ($/yr)
Dividend Yield
Ex-Div Date
5Y Avg Yield
Yield vs 5Y Avg
Payout 0.00%
P/E —
Forward P/E —
PEG —
P/S 0.32
P/B 1.37
P/C —
EV/EBITDA —
EV/Sales 1.03
Quick Ratio —
Current Ratio —
Debt/Eq —
LT Debt/Eq —
EPS (ttm) -2.49
EPS next Y —
EPS Growth —
Revenue Growth 4.50%
EPS Gr Q/Q —
Rev Gr Q/Q —
Earnings (next) 2007-02-20
Earnings (prior) 2007-02-20
ROA -1.80%
ROE -39.00%
ROIC —
Gross Margin 0.00%
Oper. Margin -34.66%
Profit Margin -58.39%
Shs Outstand 5.29M
Shs Float 3.55M
Insider Own 39.91%
Instit Own 0.99%
Short Float 0.75%
Short Ratio 1.78
Short Interest 37.96K
52W High 3.85
vs 52W High -64.94%
52W Low 1.07
vs 52W Low 26.17%
Beta 1.51
Impl. Vol. —
Rel Volume 1.66
Avg Volume 3.35K
Volume 5.56K
Target (mean) —
Tgt Median —
Tgt Low —
Tgt High —
# Analysts —
Recom None
Prev Close $1.35
Price $1.35
Change 0.00%
About

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.

Valuation Models

Price estimates from analyst targets and simple models.

1. Analyst consensus
—
Mean price target
2. Current target
$1.35
Latest analyst target
3. DCF / Fair value
—
Simplified FCF or EPS-based estimate
Ratings
Current target
$1.35
Low
—
High
—
Mean
—
News
RSS: Latest CARV news
Insider Transactions
Filed Date Insider Relationship Transaction Shares Price Value SEC
2025-02-27 FELIX DONALD Chief Executive Officer — 58,139 $0.00 $0
2024-11-25 JACKSON PAZEL G JR Director — 8,982 $1.67 $15,000
2024-11-25 GRANNUM COLVIN W Director — 11,976 $1.67 $20,000
2024-11-25 KNUCKLES KENNETH J Director — 8,982 $1.67 $15,000
2024-11-25 MACKAY CRAIG C. Director — 59,880 $1.67 $100,000
2024-11-25 FELIX DONALD Chief Executive Officer — 26,946 $1.67 $45,000
Financials
Statement View
Amounts in millions (2 decimals, no suffix) • EPS per share (2 decimals) • Trend = period evolution • YoY Growth = previous period %
Line Item Trend 2025-03-31 2024-03-31 2023-03-31 2022-03-31
Total Revenue
22.24
-24.06%
29.28
+10.99%
26.38
-5.16%
27.82
Operating Revenue
22.24
-24.06%
29.28
+10.99%
26.38
-5.16%
27.82
Selling General And Administration
17.01
+7.86%
15.77
+0.72%
15.66
+14.13%
13.72
Selling And Marketing Expense
0.50
+32.71%
0.38
-26.71%
0.51
-10.31%
0.57
General And Administrative Expense
16.52
+7.25%
15.40
+1.65%
15.15
+15.19%
13.15
Salaries And Wages
14.82
+9.43%
13.55
-0.08%
13.56
+14.33%
11.86
Other Gand A
—
—
—
2.62
Reconciled Depreciation
0.81
-15.75%
0.96
-8.79%
1.06
+2.82%
1.03
Net Income
-13.74
-361.67%
-2.98
+32.36%
-4.40
-419.60%
-0.85
Pretax Income
-13.74
-361.67%
-2.98
+32.36%
-4.40
-419.60%
-0.85
Net Interest Income
19.15
-15.11%
22.56
-1.00%
22.79
+11.35%
20.47
Interest Expense
15.13
+32.06%
11.46
+133.31%
4.91
+104.71%
2.40
Interest Income
34.28
+0.77%
34.02
+22.81%
27.70
+21.15%
22.86
Gain On Sale Of Security
—
—
—
0.00
Tax Provision
0.00
0.00
0.00
0.00
Tax Rate For Calcs
0.00
0.00
0.00
0.00
Tax Effect Of Unusual Items
0.00
0.00
0.00
0.00
Net Income Including Noncontrolling Interests
-13.74
-361.67%
-2.98
+32.36%
-4.40
-419.60%
-0.85
Net Income From Continuing Operation Net Minority Interest
-13.74
-361.67%
-2.98
+32.36%
-4.40
-419.60%
-0.85
Net Income From Continuing And Discontinued Operation
-13.74
-361.67%
-2.98
+32.36%
-4.40
-419.60%
-0.85
Net Income Continuous Operations
-13.74
-361.67%
-2.98
+32.36%
-4.40
-419.60%
-0.85
Normalized Income
-13.74
-361.67%
-2.98
+32.36%
-4.40
-419.60%
-0.85
Net Income Common Stockholders
-13.74
-361.67%
-2.98
+32.36%
-4.40
-419.60%
-0.85
Diluted EPS
-2.65
-334.43%
-0.61
+40.78%
-1.03
-329.17%
-0.24
Basic EPS
-2.65
-334.43%
-0.61
+40.78%
-1.03
-329.17%
-0.24
Basic Average Shares
5.18
+6.96%
4.85
+13.28%
4.28
+19.21%
3.59
Diluted Average Shares
5.18
+6.96%
4.85
+13.28%
4.28
+19.21%
3.59
Diluted NI Availto Com Stockholders
-13.74
-361.67%
-2.98
+32.36%
-4.40
-419.60%
-0.85
Insurance And Claims
1.69
-8.65%
1.85
+16.43%
1.59
+23.18%
1.29
Occupancy And Equipment
7.42
+12.58%
6.59
-3.68%
6.84
+9.22%
6.27
Other Non Interest Expense
8.35
+3.02%
8.11
+21.71%
6.66
+9.29%
6.09
Professional Expense And Contract Services Expense
2.00
+17.47%
1.71
+12.24%
1.52
-23.31%
1.98
Line Item Trend 2025-03-31 2024-03-31 2023-03-31 2022-03-31
Total Assets
729.99
-3.54%
756.80
+4.64%
723.22
-1.64%
735.31
Cash And Cash Equivalents
50.31
-14.76%
59.02
+38.71%
42.55
-30.26%
61.02
Cash Equivalents
0.51
+0.40%
0.50
+98.03%
0.25
+0.00%
0.25
Cash Financial
49.81
-14.89%
58.52
+38.36%
42.30
-30.39%
60.76
Other Short Term Investments
43.68
-9.06%
48.03
-10.80%
53.84
-20.35%
67.60
Receivables
2.98
-18.62%
3.66
+91.63%
1.91
-20.84%
2.41
Accounts Receivable
2.82
-18.72%
3.47
+81.37%
1.91
-20.84%
2.41
Other Receivables
0.16
-16.84%
0.20
—
—
Net PPE
10.26
-17.36%
12.41
-19.85%
15.48
-11.07%
17.41
Gross PPE
30.70
-4.19%
32.04
-6.17%
34.15
-2.48%
35.02
Accumulated Depreciation
-20.44
-4.14%
-19.63
-5.19%
-18.66
-6.01%
-17.60
Machinery Furniture Equipment
15.14
+0.80%
15.02
+1.16%
14.85
+2.85%
14.44
Other Properties
8.25
-16.22%
9.84
-20.04%
12.31
-9.72%
13.64
Leases
7.31
+1.90%
7.17
+2.71%
6.99
+0.66%
6.94
Investments And Advances
46.27
-7.53%
50.04
-10.90%
56.16
-22.91%
72.85
Total Liabilities Net Minority Interest
700.41
-1.97%
714.49
+5.38%
678.00
-0.33%
680.23
Long Term Debt And Capital Lease Obligation
29.11
-49.06%
57.15
-11.07%
64.26
+111.80%
30.34
Long Term Debt
20.24
-56.50%
46.54
-8.91%
51.09
+220.33%
15.95
Long Term Capital Lease Obligation
8.87
-16.46%
10.62
-19.41%
13.17
-8.48%
14.39
Stockholders Equity
29.58
-30.09%
42.31
-6.45%
45.22
-17.90%
55.09
Common Stock Equity
7.84
-61.88%
20.57
+3.67%
19.85
-31.94%
29.16
Capital Stock
21.81
+0.00%
21.81
-14.29%
25.45
-2.11%
26.00
Common Stock
0.08
+1.30%
0.08
+13.24%
0.07
+1.49%
0.07
Preferred Stock
21.73
+0.00%
21.73
-14.36%
25.38
-2.12%
25.93
Share Issued
7.79
+1.87%
7.64
+12.43%
6.80
+1.17%
6.72
Ordinary Shares Number
5.28
+2.78%
5.14
+19.68%
4.30
+1.87%
4.22
Treasury Shares Number
2.50
+0.00%
2.50
+0.00%
2.50
+0.00%
2.50
Additional Paid In Capital
87.92
+0.30%
87.66
+5.86%
82.81
+0.78%
82.17
Retained Earnings
-65.29
-26.66%
-51.55
-7.61%
-47.90
-10.12%
-43.50
Gains Losses Not Affecting Retained Earnings
-11.95
+5.92%
-12.71
-4.01%
-12.21
-83.35%
-6.66
Treasury Stock
2.91
+0.00%
2.91
+0.00%
2.91
+0.00%
2.91
Total Equity Gross Minority Interest
29.58
-30.09%
42.31
-6.45%
45.22
-17.90%
55.09
Total Capitalization
49.82
-43.92%
88.84
-7.75%
96.31
+35.58%
71.04
Invested Capital
28.09
-58.15%
67.11
-5.39%
70.94
+57.26%
45.11
Total Debt
29.11
-49.06%
57.15
-11.07%
64.26
+111.80%
30.34
Net Debt
—
—
8.54
—
Capital Lease Obligations
8.87
-16.46%
10.62
-19.41%
13.17
-8.48%
14.39
Net Tangible Assets
29.58
-30.09%
42.31
-6.45%
45.22
-17.90%
55.09
Tangible Book Value
7.84
-61.88%
20.57
+3.67%
19.85
-31.94%
29.16
Available For Sale Securities
0.84
—
—
—
Cash Cash Equivalents And Federal Funds Sold
50.31
-14.76%
59.02
+38.71%
42.55
-30.26%
61.02
Held To Maturity Securities
1.75
-12.85%
2.01
-13.37%
2.32
-55.88%
5.25
Preferred Stock Equity
21.73
+0.00%
21.73
-14.36%
25.38
-2.12%
25.93
Line Item Trend 2025-03-31 2024-03-31 2023-03-31 2022-03-31
Operating Cash Flow
-12.61
-91.89%
-6.57
+37.50%
-10.51
-246.99%
7.15
Cash Flow From Continuing Operating Activities
-12.61
-91.89%
-6.57
+37.50%
-10.51
-246.99%
7.15
Net Income From Continuing Operations
-13.74
-361.67%
-2.98
+32.36%
-4.40
-419.60%
-0.85
Depreciation Amortization Depletion
0.81
-15.75%
0.96
-8.79%
1.06
+2.82%
1.03
Depreciation And Amortization
0.81
-15.75%
0.96
-8.79%
1.06
+2.82%
1.03
Other Non Cash Items
-0.18
+61.00%
-0.46
—
—
Stock Based Compensation
0.07
-70.00%
0.22
+141.76%
0.09
-25.41%
0.12
Operating Gains Losses
0.19
+736.67%
-0.03
+71.96%
-0.11
—
Gain Loss On Investment Securities
—
—
—
0.00
Change In Working Capital
-1.36
+72.09%
-4.89
+34.39%
-7.45
-224.75%
5.97
Change In Receivables
0.68
+138.95%
-1.75
-448.11%
0.50
+122.57%
0.23
Changes In Account Receivables
0.68
+138.95%
-1.75
-448.11%
0.50
+122.57%
0.23
Change In Other Current Assets
-1.09
-1234.15%
-0.08
-117.08%
0.48
+136.89%
-1.30
Change In Other Current Liabilities
-0.95
+68.83%
-3.05
+63.78%
-8.43
-219.67%
7.05
Investing Cash Flow
15.08
+175.20%
-20.05
-31.39%
-15.26
+80.70%
-79.08
Cash Flow From Continuing Investing Activities
15.08
+175.20%
-20.05
-31.39%
-15.26
+80.70%
-79.08
Net PPE Purchase And Sale
-0.33
+8.06%
-0.36
-60.00%
-0.23
-17.19%
-0.19
Purchase Of PPE
-0.33
+8.06%
-0.36
-60.00%
-0.23
-17.19%
-0.19
Capital Expenditure
-0.33
+8.06%
-0.36
-60.00%
-0.23
-17.19%
-0.19
Net Investment Purchase And Sale
4.31
-8.87%
4.73
-55.93%
10.74
-37.92%
17.30
Purchase Of Investment
0.00
+100.00%
-0.60
0.00
0.00
Sale Of Investment
4.31
-19.17%
5.34
-50.31%
10.74
-37.92%
17.30
Net Other Investing Changes
1.90
+626.72%
0.26
+103.92%
-6.68
-20781.25%
-0.03
Financing Cash Flow
-11.18
-125.94%
43.10
+489.64%
7.31
-87.26%
57.35
Cash Flow From Continuing Financing Activities
-11.18
-125.94%
43.10
+489.64%
7.31
-87.26%
57.35
Net Issuance Payments Of Debt
-26.21
-486.03%
-4.47
-112.78%
35.00
+265.06%
-21.20
Issuance Of Debt
1.81
-67.18%
5.53
-84.21%
35.00
+1300.00%
2.50
Repayment Of Debt
-28.03
-180.27%
-10.00
-333233.33%
-0.00
+99.99%
-23.70
Long Term Debt Issuance
1.81
-67.18%
5.53
-77.89%
25.00
+900.00%
2.50
Long Term Debt Payments
-28.03
0.00
+100.00%
-0.00
+99.99%
-23.70
Net Long Term Debt Issuance
-26.21
-574.27%
5.53
-77.89%
25.00
+217.90%
-21.20
Short Term Debt Issuance
—
0.00
-100.00%
10.00
0.00
Short Term Debt Payments
0.00
+100.00%
-10.00
0.00
—
Net Short Term Debt Issuance
0.00
+100.00%
-10.00
-200.00%
10.00
0.00
Net Common Stock Issuance
0.20
-80.50%
1.00
0.00
-100.00%
3.00
Common Stock Payments
—
—
—
0.00
Repurchase Of Capital Stock
—
—
—
0.00
Changes In Cash
-8.71
-152.87%
16.47
+189.21%
-18.47
-26.71%
-14.57
Beginning Cash Position
59.02
+38.71%
42.55
-30.26%
61.02
-19.28%
75.59
End Cash Position
50.31
-14.76%
59.02
+38.71%
42.55
-30.26%
61.02
Free Cash Flow
-12.94
-86.70%
-6.93
+35.45%
-10.74
-254.28%
6.96
Interest Paid Supplemental Data
15.21
+42.00%
10.71
+131.79%
4.62
-16.29%
5.52
Income Tax Paid Supplemental Data
0.22
-4.31%
0.23
+20.21%
0.19
-8.53%
0.21
Common Stock Issuance
0.20
-80.50%
1.00
0.00
-100.00%
3.00
Issuance Of Capital Stock
0.20
-80.50%
1.00
0.00
-100.00%
7.00
Net Investment Properties Purchase And Sale
—
—
—
0.00
Net Preferred Stock Issuance
—
—
0.00
-100.00%
4.00
Preferred Stock Issuance
—
—
0.00
-100.00%
4.00
Sale Of Investment Properties
—
—
—
0.00
SEC Filings

Recent 10-K, 10-Q, 8-K, and Form 4 (insider) filings.

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