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Carver Bancorp (CARV) Financials

Carver Bancorp logo
$1.55 0.00 (0.00%)
As of 07/24/2026 02:39 PM Eastern
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Annual Income Statements for Carver Bancorp

Annual Income Statements for Carver Bancorp

This table shows Carver Bancorp's income and expenses over time, based on annual financial data. All values are USD millions unless otherwise specified.

Metric 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025
Period end date 3/31/2015 3/31/2016 3/31/2017 3/31/2018 3/31/2019 3/31/2020 3/31/2021 3/31/2022 3/31/2023 3/31/2024 3/31/2025
Net Income / (Loss) Attributable to Common Shareholders		 -0.27 -1.77 -2.85 5.35 28 -5.42 -3.90 -0.85 -4.40 -2.98 -14
Consolidated Net Income / (Loss)		 -0.55 -1.77 -2.85 5.35 -5.94 -5.42 -3.90 -0.85 -4.40 -2.98 -14
Net Income / (Loss) Continuing Operations		 -0.55 -1.77 -2.85 5.35 11 -5.42 -3.90 -0.85 -4.40 -2.98 -14
Total Pre-Tax Income 		-0.39 -1.64 -2.73 5.32 11 -5.42 -3.90 -0.85 -4.40 -2.98 -14
Total Revenue		 24 28 26 33 39 20 22 28 26 29 22
Net Interest Income / (Expense)		 18 22 21 19 34 16 16 20 23 23 19
Total Interest Income		 22 27 26 24 46 22 20 23 28 34 34
Loans and Leases Interest Income		 20 24 24 22 19 19 19 21 25 30 30
Investment Securities Interest Income		 2.35 2.21 1.87 2.44 27 2.67 1.76 1.53 2.63 4.37 4.26
Total Interest Expense		 3.94 4.61 4.92 5.28 12 5.63 4.42 2.40 4.91 11 15
Deposits Interest Expense		 2.85 3.27 3.66 4.11 5.23 4.64 3.77 1.89 3.71 9.08 13
Long-Term Debt Interest Expense		 1.09 1.34 1.26 1.17 7.05 0.99 0.65 0.51 1.20 2.38 2.09
Total Non-Interest Income		 5.57 6.01 4.62 14 4.65 3.74 6.20 7.35 3.60 6.72 3.09
Other Service Charges		 5.59 4.26 4.53 4.74 4.02 3.67 4.51 5.27 3.05 3.64 3.20
Net Realized & Unrealized Capital Gains on Investments		 0.01 1.76 0.13 9.62 0.63 0.07 1.69 2.09 0.55 3.08 -0.11
Provision for Credit Losses		 -2.84 1.50 0.03 0.14 -0.27 0.02 -0.10 0.60 0.10 0.08 1.19
Total Non-Interest Expense		 27 28 29 28 28 25 26 28 31 32 35
Salaries and Employee Benefits		 12 11 12 13 12 11 11 12 13 14 15
Net Occupancy & Equipment Expense		 6.00 6.43 5.60 6.07 7.24 7.78 8.99 8.47 9.41 9.56 10
Property & Liability Insurance Claims		 0.60 0.53 0.66 0.83 0.64 0.13 0.36 0.36 0.39 0.60 0.70
Other Operating Expenses		 8.99 9.80 9.80 8.46 7.81 5.85 5.55 7.71 7.70 8.47 8.81
Income Tax Expense		 0.17 0.13 0.12 -0.03 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Basic Earnings per Share		 ($0.07) ($0.48) ($0.77) $0.58 ($1.60) ($1.47) ($1.14) ($0.24) ($1.03) ($0.61) ($2.65)
Weighted Average Basic Shares Outstanding		 3.70M 3.70M 3.70M 3.70M 3.70M 14.80M 6.94M - 8.88M - 5.07M
Diluted Earnings per Share		 ($0.07) ($0.48) ($0.77) $0.58 ($1.60) ($1.47) ($1.14) ($0.24) ($1.03) ($0.61) ($2.65)
Weighted Average Diluted Shares Outstanding		 3.70M 3.70M 3.70M 3.70M 3.70M 14.80M 6.94M - 8.88M - 5.07M
Weighted Average Basic & Diluted Shares Outstanding		 3.70M 3.70M 3.70M 3.70M 3.70M 14.80M 6.94M - 8.88M - 5.07M

Quarterly Income Statements for Carver Bancorp

This table shows Carver Bancorp's income and expenses over time, based on quarterly financial data. All values are USD millions unless otherwise specified.

Metric Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026 Q2 2026
Period end date 9/30/2023 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025 6/30/2025 9/30/2025
Net Income / (Loss) Attributable to Common Shareholders		 -1.59 0.02 0.01 -2.21 -2.11 -5.65 -3.77 -1.18 -2.43
Consolidated Net Income / (Loss)		 -1.59 0.02 0.01 -2.21 -2.11 -5.65 -3.77 -1.18 -2.43
Net Income / (Loss) Continuing Operations		 -1.59 0.02 0.01 -2.21 -2.11 -5.65 -3.77 -1.18 -2.43
Total Pre-Tax Income 		-1.59 0.02 0.01 -2.21 -2.11 -5.65 -3.77 -1.18 -2.43
Total Revenue		 6.86 8.02 8.15 6.21 6.58 3.94 5.51 6.91 6.38
Net Interest Income / (Expense)		 5.40 5.48 6.18 5.50 6.00 2.96 4.70 5.64 5.13
Total Interest Income		 8.01 8.47 9.74 9.21 9.83 6.85 8.40 9.20 8.57
Loans and Leases Interest Income		 7.06 7.34 8.45 8.07 8.71 5.83 7.42 8.43 7.77
Investment Securities Interest Income		 0.95 1.14 1.29 1.14 1.12 1.02 0.99 0.78 0.80
Total Interest Expense		 2.61 2.99 3.56 3.70 3.83 3.89 3.71 3.56 3.44
Deposits Interest Expense		 2.01 2.39 2.97 3.11 3.23 3.42 3.28 3.29 3.15
Long-Term Debt Interest Expense		 0.60 0.61 0.60 0.59 0.60 0.47 0.43 0.28 0.29
Total Non-Interest Income		 1.46 2.54 1.97 0.71 0.58 0.99 0.81 1.27 1.25
Other Service Charges		 0.88 1.13 0.89 0.63 0.78 0.99 0.81 1.27 1.25
Net Realized & Unrealized Capital Gains on Investments		 0.58 1.40 1.08 0.08 -0.19 0.00 - 0.00 0.00
Provision for Credit Losses		 0.17 -0.10 0.01 0.26 0.46 0.10 0.37 -0.03 -0.02
Total Non-Interest Expense		 8.28 8.09 8.13 8.16 8.23 9.49 8.90 8.11 8.83
Salaries and Employee Benefits		 3.32 3.45 3.45 3.50 3.54 4.05 3.73 3.68 3.53
Net Occupancy & Equipment Expense		 2.52 2.37 2.34 2.51 2.62 2.60 2.73 2.40 2.54
Property & Liability Insurance Claims		 0.16 0.13 0.18 0.17 0.16 0.16 0.21 0.23 0.21
Other Operating Expenses		 2.28 2.14 2.16 1.98 1.91 2.69 2.23 1.79 2.54
Income Tax Expense		 0.00 0.00 - 0.00 0.00 0.00 - 0.00 0.00
Basic Earnings per Share		 ($0.33) $0.00 $0.04 ($0.43) ($0.41) ($1.09) ($0.72) ($0.22) ($0.46)
Weighted Average Basic Shares Outstanding		 4.92M 4.99M 0.00 5.11M 5.11M 5.11M 5.07M 5.08M 5.10M
Diluted Earnings per Share		 ($0.33) $0.00 $0.04 ($0.43) ($0.41) ($1.09) ($0.72) ($0.22) ($0.46)
Weighted Average Diluted Shares Outstanding		 4.92M 4.99M 0.00 5.11M 5.11M 5.11M 5.07M 5.08M 5.10M
Weighted Average Basic & Diluted Shares Outstanding		 4.92M 4.99M 0.00 5.11M 5.11M 5.11M 5.07M 5.08M 5.10M

Annual Cash Flow Statements for Carver Bancorp

This table details how cash moves in and out of Carver Bancorp's business through operations, investing, and financing, using annual figures. All values are USD millions unless otherwise specified.

Metric 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025
Period end date 3/31/2015 3/31/2016 3/31/2017 3/31/2018 3/31/2019 3/31/2020 3/31/2021 3/31/2022 3/31/2023 3/31/2024 3/31/2025
Net Change in Cash & Equivalents		 -72 12 -4.50 76 -103 16 28 -15 -18 16 -8.71
Net Cash From Operating Activities		 3.62 0.42 0.83 -4.99 -8.77 -0.03 2.21 7.15 -11 -6.57 -13
Net Cash From Continuing Operating Activities		 3.62 0.42 3.71 -4.99 -8.77 -0.03 2.21 7.15 -11 -6.57 -13
Net Income / (Loss) Continuing Operations		 -0.27 -1.77 0.00 5.35 -5.94 -5.42 -3.90 -0.85 -4.40 -2.98 -14
Consolidated Net Income / (Loss)		 -0.27 -1.77 - 5.35 -5.94 -5.42 -3.90 -0.85 -4.40 -2.98 -14
Depreciation Expense		 1.05 1.42 0.90 0.90 0.79 0.97 1.02 1.03 1.06 0.97 0.81
Amortization Expense		 - - 0.34 - 1.09 0.99 0.59 0.61 0.40 0.30 0.20
Non-Cash Adjustments to Reconcile Net Income		 -0.40 -1.75 0.26 -9.85 -0.78 -0.31 -1.24 0.12 -0.02 -0.27 0.08
Changes in Operating Assets and Liabilities, net		 6.08 1.03 -0.65 -1.52 -3.67 3.73 5.84 5.64 -7.65 -4.59 0.04
Net Cash From Investing Activities		 -107 -52 41 84 29 16 -77 -79 -15 -20 15
Net Cash From Continuing Investing Activities		 -107 -52 41 84 29 16 -77 -79 -15 -20 15
Purchase of Property, Leasehold Improvements and Equipment		 -0.29 -0.57 -0.26 -1.60 -2.88 -1.29 -0.26 -0.19 -0.23 -0.36 -0.33
Purchase of Investment Securities		 -183 -130 -53 -7.79 -58 -0.75 -101 -102 -31 -26 10
Sale and/or Maturity of Investments		 76 70 90 75 90 18 25 23 16 5.90 5.40
Net Cash From Financing Activities		 31 64 -47 -3.29 -124 0.62 103 57 7.31 43 -11
Net Cash From Continuing Financing Activities		 31 64 -47 -3.29 -124 0.62 103 57 7.31 43 -11
Net Change in Deposits		 18 79 -28 7.71 -107 8.62 68 72 -28 47 15
Issuance of Debt		 - - - - - - - 2.50 35 5.53 1.81
Issuance of Common Equity		 - - - - - 0.00 3.20 3.00 0.00 1.00 0.20
Repayment of Debt		 - -15 -19 -11 -17 -8.00 24 -24 -0.00 -10 -28
Cash Interest Paid		 3.47 4.09 6.86 4.58 5.30 4.87 3.90 5.52 4.62 11 15
Cash Income Taxes Paid		 0.16 0.22 0.13 0.23 0.12 0.05 0.06 0.21 0.19 0.23 0.22

Quarterly Cash Flow Statements for Carver Bancorp

This table details how cash moves in and out of Carver Bancorp's business through operations, investing, and financing, using quarterly figures. All values are USD millions unless otherwise specified.

Metric Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026 Q2 2026
Period end date 9/30/2023 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025 6/30/2025 9/30/2025
Net Change in Cash & Equivalents		 10 23 -16 -13 8.20 -9.07 0.36 -6.48 -3.09
Net Cash From Operating Activities		 -5.31 3.30 -2.86 -2.35 -3.03 -1.05 -6.19 -0.23 -1.59
Net Cash From Continuing Operating Activities		 -5.31 3.30 -2.86 -2.35 -3.03 -1.05 -6.19 -0.23 -1.59
Net Income / (Loss) Continuing Operations		 -1.59 0.02 0.01 -2.21 -2.11 -5.65 -3.77 -1.18 -2.43
Consolidated Net Income / (Loss)		 -1.59 0.02 0.01 -2.21 -2.11 -5.65 -3.77 -1.18 -2.43
Depreciation Expense		 0.26 0.22 0.22 0.23 0.21 0.20 0.17 0.18 0.19
Amortization Expense		 0.25 -0.06 0.05 0.05 0.05 0.07 0.04 0.04 0.39
Non-Cash Adjustments to Reconcile Net Income		 0.04 0.00 -0.49 -0.01 0.15 - -0.14 -0.03 -0.04
Changes in Operating Assets and Liabilities, net		 -4.28 3.12 -2.65 -0.40 -1.33 4.34 -2.49 0.76 0.31
Net Cash From Investing Activities		 -18 -13 2.47 -3.60 8.87 10 -0.33 8.96 12
Net Cash From Continuing Investing Activities		 -18 -13 2.47 -3.60 8.87 10 -0.33 8.96 12
Purchase of Property, Leasehold Improvements and Equipment		 -0.10 -0.07 -0.12 -0.15 -0.11 -0.05 -0.02 -0.17 -0.12
Purchase of Investment Securities		 -20 -14 1.62 -4.29 7.51 8.36 -1.58 8.31 11
Sale and/or Maturity of Investments		 2.39 1.60 0.97 0.84 1.47 1.83 1.27 0.82 1.16
Net Cash From Financing Activities		 34 32 -16 -6.73 2.36 -14 6.87 -15 -14
Net Cash From Continuing Financing Activities		 34 32 -16 -6.73 2.36 -14 6.87 -15 -14
Net Change in Deposits		 37 32 -16 -8.55 12 -14 25 -16 -20
Issuance of Debt		 5.53 - - 1.81 - - - 2.91 6.22
Cash Interest Paid		 -0.48 5.68 3.55 3.73 3.77 0.17 7.53 3.62 2.96
Cash Income Taxes Paid		 0.06 0.29 -0.19 0.07 0.06 0.06 0.04 0.04 0.07

Annual Balance Sheets for Carver Bancorp

This table presents Carver Bancorp's assets and liabilities at the end of each period, using annual balance sheet data. All values are USD millions unless otherwise specified.

Metric 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025
Period end date 3/31/2015 3/31/2016 3/31/2017 3/31/2018 3/31/2019 3/31/2020 3/31/2021 3/31/2022 3/31/2023 3/31/2024 3/31/2025
Total Assets		 676 739 688 694 564 579 677 735 723 757 730
Cash and Due from Banks		 51 63 59 135 31 48 76 61 43 59 50
Trading Account Securities		 112 71 72 73 91 76 94 73 56 50 46
Loans and Leases, Net of Allowance		 479 583 540 473 -4.65 424 478 574 593 0.00 0.00
Premises and Equipment, Net		 7.08 5.98 5.43 2.97 5.06 5.38 4.61 3.78 3.17 2.57 2.01
Other Assets		 14 9.92 8.00 8.95 439 24 21 21 27 642 632
Total Liabilities & Shareholders' Equity		 676 739 688 694 564 579 677 735 723 757 730
Total Liabilities		 622 687 640 642 517 530 624 680 678 714 700
Non-Interest Bearing Deposits		 51 57 62 63 60 57 111 107 109 102 90
Interest Bearing Deposits		 477 550 518 524 420 431 446 521 491 545 572
Long-Term Debt		 83 68 49 38 21 14 37 16 51 47 20
Other Long-Term Liabilities		 11 12 12 17 15 27 31 36 26 21 18
Commitments & Contingencies		 - - - - - - - - - - 0.00
Total Equity & Noncontrolling Interests		 54 52 47 52 47 49 52 55 45 42 30
Total Preferred & Common Equity		 54 52 47 52 47 49 52 55 45 42 30
Preferred Stock		 45 45 45 45 45 45 26 26 25 22 22
Total Common Equity		 8.53 6.76 2.28 6.85 2.02 3.78 27 29 20 21 7.84
Common Stock		 56 56 56 56 56 56 75 82 83 88 88
Retained Earnings		 -46 -48 -51 -46 -52 -52 -43 -44 -48 -52 -65
Treasury Stock		 -0.42 -0.42 -0.42 -0.42 -0.42 -0.41 -2.91 -2.91 -2.91 -2.91 -2.91
Accumulated Other Comprehensive Income / (Loss)		 -1.05 -0.31 -1.94 -2.73 -0.94 0.93 -3.18 -6.66 -12 -13 -12

Quarterly Balance Sheets for Carver Bancorp

This table presents Carver Bancorp's assets and liabilities at the end of each period, using quarterly balance sheet data. All values are USD millions unless otherwise specified.

Metric Q2 2024 Q3 2024 Q1 2025 Q2 2025 Q3 2025 Q1 2026 Q2 2026
Period end date 9/30/2023 12/31/2023 6/30/2024 9/30/2024 12/31/2024 6/30/2025 9/30/2025
Total Assets		 743 775 747 749 728 714 698
Cash and Due from Banks		 52 75 46 54 49 43 40
Trading Account Securities		 50 51 109 109 103 46 46
Loans and Leases, Net of Allowance		 605 619 0.00 0.00 0.00 0.00 0.00
Premises and Equipment, Net		 2.81 2.66 2.43 2.32 2.17 2.00 1.94
Other Assets		 33 28 649 642 630 623 610
Total Liabilities & Shareholders' Equity		 743 775 747 749 728 714 698
Total Liabilities		 703 733 707 709 695 685 671
Non-Interest Bearing Deposits		 113 106 106 103 97 90 91
Interest Bearing Deposits		 518 556 532 548 540 556 534
Long-Term Debt		 47 47 48 38 38 21 28
Other Long-Term Liabilities		 26 23 20 20 20 18 18
Commitments & Contingencies		 - 0.00 0.00 0.00 0.00 0.00 0.00
Total Equity & Noncontrolling Interests		 40 43 40 40 32 29 27
Total Preferred & Common Equity		 40 43 40 40 32 29 27
Preferred Stock		 23 23 22 22 22 22 22
Total Common Equity		 16 20 18 18 11 6.80 5.20
Common Stock		 86 87 88 88 88 88 88
Retained Earnings		 -52 -52 -54 -56 -62 -66 -69
Treasury Stock		 -2.91 -2.91 -2.91 -2.91 -2.91 -2.91 -2.91
Accumulated Other Comprehensive Income / (Loss)		 -15 -12 -13 -11 -13 -12 -11

Annual Metrics And Ratios for Carver Bancorp

This table displays calculated financial ratios and metrics derived from Carver Bancorp's official financial filings.

Metric 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025
Period end date 3/31/2015 3/31/2016 3/31/2017 3/31/2018 3/31/2019 3/31/2020 3/31/2021 3/31/2022 3/31/2023 3/31/2024 3/31/2025
DEI Shares Outstanding		 3,696,087.00 3,696,087.00 3,696,087.00 3,697,914.00 3,697,914.00 3,699,505.00 3,062,850.00 3,062,850.00 4,226,619.00 4,985,612.00 5,109,728.00
DEI Adjusted Shares Outstanding		 3,696,087.00 3,696,087.00 3,696,087.00 3,697,914.00 3,697,914.00 3,699,505.00 3,062,850.00 3,062,850.00 4,226,619.00 4,985,612.00 5,109,728.00
DEI Earnings Per Adjusted Shares Outstanding		 -0.15 -0.48 -0.77 1.45 -1.61 -1.47 -1.27 -0.28 -1.04 -0.60 -2.69
Growth Metrics		 - - - - - - - - - - -
Revenue Growth		 -8.24% 16.78% -7.68% 29.47% 16.12% -49.17% 11.91% 25.97% -5.16% 10.99% -24.06%
EBITDA Growth		 182.98% -133.68% -566.07% 516.76% 109.65% -126.61% 34.02% 134.56% -472.44% 41.82% -642.59%
EBIT Growth		 54.15% -323.51% -66.81% 294.62% 109.60% -148.62% 28.16% 78.26% -419.60% 32.36% -361.67%
NOPAT Growth		 54.15% -323.51% -66.81% 379.76% 108.31% -134.04% 28.16% 78.26% -419.60% 32.36% -361.67%
Net Income Growth		 41.54% -219.53% -61.46% 287.66% -210.87% 8.64% 28.16% 78.26% -419.60% 32.36% -361.67%
EPS Growth		 69.57% -585.71% -60.42% 175.32% -375.86% 8.13% 22.45% 78.95% -329.17% 40.78% -334.43%
Operating Cash Flow Growth		 -76.73% -88.39% 96.90% -702.78% -75.83% 99.65% 7,235.48% 223.33% -246.99% 37.50% -91.89%
Free Cash Flow Firm Growth		 -243.48% 199.18% 38.10% -45.38% 180.01% -93.10% -1,408.63% 160.08% -258.48% 118.99% 446.01%
Invested Capital Growth		 12.73% -12.23% -19.52% -6.64% -24.16% -8.86% 43.31% -20.65% 35.58% -7.75% -43.92%
Revenue Q/Q Growth		 -1.94% 0.43% 1.77% 32.93% 22.73% -46.90% 5.73% 1.18% 0.87% 5.88% -10.62%
EBITDA Q/Q Growth		 37.68% -115.95% 32.97% 318.48% 226.96% -123.88% 31.22% 373.70% -132.52% 45.60% -43.19%
EBIT Q/Q Growth		 30.40% -679.15% 20.50% 231.71% 258.27% -145.86% 17.61% 56.36% -58.77% 33.67% -37.96%
NOPAT Q/Q Growth		 30.40% -1,333.66% 20.50% 289.32% 255.53% -131.84% 17.61% 56.36% -58.77% 33.67% -37.96%
Net Income Q/Q Growth		 20.77% -2,000.00% 17.18% 227.08% -289.23% -5.00% 17.61% 56.36% -58.77% 33.67% -37.96%
EPS Q/Q Growth		 0.00% -242.86% 6.10% 153.21% -7,900.00% -5.76% 16.18% 68.42% -145.24% 39.60% -40.21%
Operating Cash Flow Q/Q Growth		 55.08% -90.04% 9.83% 7.39% -388.03% 98.90% 131.86% 220.14% -483.13% -22.14% -35.90%
Free Cash Flow Firm Q/Q Growth		 -149.44% 152.44% -30.95% -49.15% 28.52% 206.00% -84.84% 40.28% 76.68% -94.69% 150.10%
Invested Capital Q/Q Growth		 20.65% -16.16% -11.86% 7.81% 11.81% -17.12% 1.53% -4.08% -50.29% -0.48% -29.38%
Profitability Metrics		 - - - - - - - - - - -
EBITDA Margin		 2.78% -0.80% -5.78% 18.60% 33.57% -17.58% -10.36% 2.84% -11.17% -5.85% -57.24%
EBIT Margin		 -1.62% -5.86% -10.59% 15.91% 28.72% -27.48% -17.64% -3.04% -16.68% -10.17% -61.81%
Profit (Net Income) Margin		 -2.31% -6.32% -11.05% 16.01% -15.29% -27.48% -17.64% -3.04% -16.68% -10.17% -61.81%
Tax Burden Percent		 142.89% 107.81% 104.35% 100.62% -53.22% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00%
Interest Burden Percent		 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00%
Effective Tax Rate		 0.00% 0.00% 0.00% -0.62% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Return on Invested Capital (ROIC)		 -0.21% -0.89% -1.76% 5.72% 14.04% -5.80% -3.59% -0.74% -3.68% -2.25% -13.88%
ROIC Less NNEP Spread (ROIC-NNEP)		 -0.58% -1.71% -3.36% 5.72% -43.11% -15.10% -8.19% -1.69% -7.62% -4.08% -26.23%
Return on Net Nonoperating Assets (RNNOA)		 -0.85% -2.46% -3.98% 5.06% -26.02% -5.50% -4.11% -0.84% -5.09% -4.55% -24.36%
Return on Equity (ROE)		 -1.06% -3.35% -5.75% 10.78% -11.98% -11.29% -7.70% -1.58% -8.77% -6.80% -38.24%
Cash Return on Invested Capital (CROIC)		 -12.18% 12.14% 19.87% 12.59% 41.52% 3.47% -39.19% 22.29% -33.89% 5.82% 42.41%
Operating Return on Assets (OROA)		 -0.06% -0.23% -0.38% 0.77% 1.77% -0.95% -0.62% -0.12% -0.60% -0.40% -1.85%
Return on Assets (ROA)		 -0.08% -0.25% -0.40% 0.77% -0.94% -0.95% -0.62% -0.12% -0.60% -0.40% -1.85%
Return on Common Equity (ROCE)		 -0.15% -0.49% -0.52% 0.99% -1.07% -0.68% -2.31% -0.82% -4.29% -3.14% -15.12%
Return on Equity Simple (ROE_SIMPLE)		 -1.03% -3.41% -6.02% 10.30% -12.59% -11.09% -7.45% -1.54% -9.73% -7.04% -46.47%
Net Operating Profit after Tax (NOPAT)		 -0.27 -1.15 -1.91 5.35 11 -3.80 -2.73 -0.59 -3.08 -2.08 -9.62
NOPAT Margin		 -1.13% -4.10% -7.41% 16.01% 28.72% -19.24% -12.35% -2.13% -11.68% -7.12% -43.26%
Net Nonoperating Expense Percent (NNEP)		 0.37% 0.82% 1.59% 0.00% 57.15% 9.30% 4.60% 0.96% 3.94% 1.83% 12.35%
SG&A Expenses to Revenue		 73.42% 63.59% 69.95% 55.89% 50.20% 97.07% 91.34% 71.84% 85.63% 78.92% 113.70%
Operating Expenses to Revenue		 113.48% 100.51% 110.47% 83.68% 71.97% 127.38% 118.09% 100.88% 116.30% 109.88% 156.45%
Earnings before Interest and Taxes (EBIT)		 -0.39 -1.64 -2.73 5.32 11 -5.42 -3.90 -0.85 -4.40 -2.98 -14
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)		 0.67 -0.22 -1.49 6.22 13 -3.47 -2.29 0.79 -2.95 -1.71 -13
Valuation Ratios		 - - - - - - - - - - -
Price to Book Value (P/BV)		 2.01 2.85 5.93 1.52 6.84 1.85 1.05 0.00 0.85 0.37 0.92
Price to Tangible Book Value (P/TBV)		 2.01 2.85 5.93 1.52 6.84 1.85 1.05 0.00 0.85 0.37 0.92
Price to Revenue (P/Rev)		 0.72 0.69 0.52 0.31 0.36 0.35 1.26 0.00 0.64 0.26 0.32
Price to Earnings (P/E)		 0.00 0.00 0.00 1.95 0.49 0.00 0.00 0.00 0.00 0.00 0.00
Dividend Yield		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Earnings Yield		 0.00% 0.00% 0.00% 51.37% 204.70% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Enterprise Value to Invested Capital (EV/IC)		 0.64 0.58 0.51 0.00 0.72 0.29 0.17 0.00 0.53 0.19 0.00
Enterprise Value to Revenue (EV/Rev)		 3.69 2.48 1.90 0.00 1.26 0.92 0.69 0.00 1.92 0.58 0.00
Enterprise Value to EBITDA (EV/EBITDA)		 132.82 0.00 0.00 0.00 3.77 0.00 0.00 0.00 0.00 0.00 0.00
Enterprise Value to EBIT (EV/EBIT)		 0.00 0.00 0.00 0.00 4.40 0.00 0.00 0.00 0.00 0.00 0.00
Enterprise Value to NOPAT (EV/NOPAT)		 0.00 0.00 0.00 0.00 4.40 0.00 0.00 0.00 0.00 0.00 0.00
Enterprise Value to Operating Cash Flow (EV/OCF)		 24.41 165.24 59.35 0.00 0.00 0.00 6.88 0.00 0.00 0.00 0.00
Enterprise Value to Free Cash Flow (EV/FCFF)		 0.00 4.44 2.28 0.00 1.49 7.97 0.00 0.00 0.00 3.13 0.00
Leverage & Solvency		 - - - - - - - - - - -
Debt to Equity		 1.55 1.32 1.04 0.74 0.45 0.28 0.71 0.29 1.13 1.10 0.68
Long-Term Debt to Equity		 1.55 1.32 1.04 0.74 0.45 0.28 0.71 0.29 1.13 1.10 0.68
Financial Leverage		 1.47 1.44 1.19 0.88 0.60 0.36 0.50 0.50 0.67 1.12 0.93
Leverage Ratio		 12.55 13.41 14.37 13.91 12.69 11.90 12.41 13.15 14.54 16.91 20.68
Compound Leverage Factor		 12.55 13.41 14.37 13.91 12.69 11.90 12.41 13.15 14.54 16.91 20.68
Debt to Total Capital		 60.86% 56.87% 51.04% 42.49% 31.23% 21.73% 41.58% 22.45% 53.05% 52.38% 40.63%
Short-Term Debt to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Long-Term Debt to Total Capital		 60.86% 56.87% 51.04% 42.49% 31.23% 21.73% 41.58% 22.45% 53.05% 52.38% 40.63%
Preferred Equity to Total Capital		 32.92% 37.51% 46.61% 49.92% 65.83% 72.23% 28.79% 36.50% 26.35% 24.46% 43.62%
Noncontrolling Interests to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Common Equity to Total Capital		 6.22% 5.62% 2.36% 7.58% 2.94% 6.04% 29.63% 41.05% 20.61% 23.16% 15.74%
Debt to EBITDA		 125.42 -305.37 -33.11 6.18 1.64 -3.91 -16.26 20.16 -17.34 -27.15 -1.59
Net Debt to EBITDA		 39.18 -22.28 6.41 -15.46 -0.75 9.79 16.76 -56.98 -2.90 7.29 2.36
Long-Term Debt to EBITDA		 125.42 -305.37 -33.11 6.18 1.64 -3.91 -16.26 20.16 -17.34 -27.15 -1.59
Debt to NOPAT		 -307.87 -59.62 -25.81 7.17 1.92 -3.58 -13.65 -26.90 -16.58 -22.33 -2.10
Net Debt to NOPAT		 -96.19 -4.35 5.00 -17.96 -0.88 8.95 14.07 76.01 -2.77 5.99 3.13
Long-Term Debt to NOPAT		 -307.87 -59.62 -25.81 7.17 1.92 -3.58 -13.65 -26.90 -16.58 -22.33 -2.10
Noncontrolling Interest Sharing Ratio		 85.74% 85.51% 90.89% 90.81% 91.05% 93.97% 70.06% 48.15% 51.15% 53.82% 60.47%
Liquidity Ratios		 - - - - - - - - - - -
Cash Flow Metrics		 - - - - - - - - - - -
Free Cash Flow to Firm (FCFF)		 -16 16 22 12 33 2.28 -30 18 -28 5.39 29
Operating Cash Flow to CapEx		 1,251.90% 0.00% 315.65% 0.00% -304.34% -2.41% 864.06% 3,725.00% -4,672.44% -1,825.28% -3,809.37%
Free Cash Flow to Firm to Interest Expense		 -3.99 3.39 4.39 2.23 2.69 0.40 -6.74 7.46 -5.77 0.47 1.94
Operating Cash Flow to Interest Expense		 0.92 0.09 0.17 -0.94 -0.71 -0.01 0.50 2.98 -2.14 -0.57 -0.83
Operating Cash Flow Less CapEx to Interest Expense		 0.84 0.43 0.11 2.19 -0.95 -0.23 0.44 2.90 -2.19 -0.60 -0.86
Efficiency Ratios		 - - - - - - - - - - -
Asset Turnover		 0.04 0.04 0.04 0.05 0.06 0.03 0.04 0.04 0.04 0.04 0.03
Fixed Asset Turnover		 3.21 4.28 4.53 7.96 9.68 3.78 4.42 6.63 7.59 10.20 9.72
Capital & Investment Metrics		 - - - - - - - - - - -
Invested Capital		 137 120 97 90 69 62 90 71 96 89 50
Invested Capital Turnover		 0.19 0.22 0.24 0.36 0.49 0.30 0.29 0.35 0.32 0.32 0.32
Increase / (Decrease) in Invested Capital		 15 -17 -23 -6.43 -22 -6.07 27 -18 25 -7.47 -39
Enterprise Value (EV)		 88 69 49 -41 49 18 15 0.00 51 17 -1.13
Market Capitalization		 17 19 14 10 14 6.99 28 0.00 17 7.63 7.20
Book Value per Share		 $2.31 $1.83 $0.62 $1.85 $0.55 $1.02 $8.66 $0.00 $4.70 $4.13 $1.54
Tangible Book Value per Share		 $2.31 $1.83 $0.62 $1.85 $0.55 $1.02 $8.66 $0.00 $4.70 $4.13 $1.54
Total Capital		 137 120 97 90 69 62 90 71 96 89 50
Total Debt		 83 68 49 38 21 14 37 16 51 47 20
Total Long-Term Debt		 83 68 49 38 21 14 37 16 51 47 20
Net Debt		 26 4.99 -9.57 -96 -9.83 -34 -38 -45 8.54 -12 -30
Capital Expenditures (CapEx)		 0.29 -1.54 0.26 -17 2.88 1.29 0.26 0.19 0.23 0.36 0.33
Net Nonoperating Expense (NNE)		 0.28 0.62 0.94 0.00 17 1.63 1.17 0.25 1.32 0.89 4.12
Net Nonoperating Obligations (NNO)		 83 68 49 38 21 14 37 16 51 47 20
Total Depreciation and Amortization (D&A)		 1.05 1.42 1.24 0.90 1.88 1.95 1.61 1.64 1.46 1.26 1.02
Earnings Adjustments		 - - - - - - - - - - -
Adjusted Basic Earnings per Share		 $0.10 ($0.05) ($0.77) $0.58 ($1.60) ($1.47) ($1.14) ($0.24) ($1.03) ($0.61) ($2.65)
Adjusted Weighted Average Basic Shares Outstanding		 3.70M 3.70M 3.70M 3.70M 3.70M 14.80M 6.94M 0.00 8.88M 0.00 5.07M
Adjusted Diluted Earnings per Share		 $0.10 ($0.05) ($0.77) $0.58 ($1.60) ($1.47) ($1.14) ($0.24) ($1.03) ($0.61) ($2.65)
Adjusted Weighted Average Diluted Shares Outstanding		 3.70M 3.70M 3.70M 3.70M 3.70M 14.80M 6.94M 0.00 8.88M 0.00 5.07M
Adjusted Basic & Diluted Earnings per Share		 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding		 3.70M 3.70M 3.70M 3.70M 3.70M 14.80M 6.94M 0.00 8.88M 0.00 5.07M
Normalized Net Operating Profit after Tax (NOPAT)		 -0.27 -1.15 -1.91 3.72 7.81 -3.80 -2.73 -0.59 -3.08 -2.08 -9.62
Normalized NOPAT Margin		 -1.13% -4.10% -7.41% 11.14% 20.11% -19.24% -12.35% -2.13% -11.68% -7.12% -43.26%
Pre Tax Income Margin		 -1.62% -5.86% -10.59% 15.91% 28.72% -27.48% -17.64% -3.04% -16.68% -10.17% -61.81%
Debt Service Ratios		 - - - - - - - - - - -
EBIT to Interest Expense		 -0.10 -0.36 -0.56 1.01 0.91 -0.96 -0.88 -0.35 -0.90 -0.26 -0.91
NOPAT to Interest Expense		 -0.07 -0.25 -0.39 1.01 0.91 -0.67 -0.62 -0.25 -0.63 -0.18 -0.64
EBIT Less CapEx to Interest Expense		 -0.17 -0.02 -0.61 4.14 0.67 -1.19 -0.94 -0.43 -0.94 -0.29 -0.93
NOPAT Less CapEx to Interest Expense		 -0.14 0.09 -0.44 4.14 0.67 -0.90 -0.67 -0.33 -0.67 -0.21 -0.66
Payout Ratios		 - - - - - - - - - - -
Dividend Payout Ratio		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Augmented Payout Ratio		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% -64.17% 0.00% 0.00% 0.00% 0.00%

Quarterly Metrics And Ratios for Carver Bancorp

This table displays calculated financial ratios and metrics derived from Carver Bancorp's official financial filings.

Metric Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026 Q2 2026
Period end date 9/30/2023 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025 6/30/2025 9/30/2025
DEI Shares Outstanding		 4,825,910.00 4,918,347.00 4,985,612.00 4,985,612.00 5,105,306.00 5,109,728.00 5,109,728.00 5,074,283.00 5,076,629.00
DEI Adjusted Shares Outstanding		 4,825,910.00 4,918,347.00 4,985,612.00 4,985,612.00 5,105,306.00 5,109,728.00 5,109,728.00 5,074,283.00 5,076,629.00
DEI Earnings Per Adjusted Shares Outstanding		 -0.33 0.00 0.00 -0.44 -0.41 -1.11 -0.74 -0.23 -0.48
Growth Metrics		 - - - - - - - - -
Revenue Growth		 3.94% 19.02% 24.91% -0.77% -4.12% -50.82% -32.42% 11.27% -3.01%
EBITDA Growth		 -83.56% 123.89% 124.31% -76.18% -72.67% -3,140.11% -1,366.19% 50.62% 0.05%
EBIT Growth		 -66.07% 101.74% 100.73% -55.67% -33.23% -29,826.32% -34,381.82% 46.79% -15.05%
NOPAT Growth		 -66.07% 102.49% 101.05% -55.67% -33.23% -20,908.42% -24,097.27% 46.79% -15.05%
Net Income Growth		 -66.07% 101.74% 100.73% -55.67% -33.23% -29,826.32% -34,381.82% 46.79% -15.05%
EPS Growth		 -50.00% 100.00% 111.11% -34.38% -24.24% 0.00% -1,900.00% 48.84% -12.20%
Operating Cash Flow Growth		 -5,730.77% 226.51% -71.49% -37.45% 42.95% -131.66% -116.59% 90.21% 47.64%
Free Cash Flow Firm Growth		 159.23% 186.75% 128.41% 121.46% -55.78% -85.86% 386.42% 869.40% 233.48%
Invested Capital Growth		 -15.67% -53.92% -7.75% -5.79% -9.36% -20.98% -43.92% -43.44% -30.31%
Revenue Q/Q Growth		 9.67% 16.82% 1.66% -23.81% 5.96% -40.08% 39.70% 25.46% -7.64%
EBITDA Q/Q Growth		 2.55% 116.51% 58.76% -789.68% 4.49% -173.29% 33.88% 73.10% -93.31%
EBIT Q/Q Growth		 -11.61% 101.20% -42.11% -20,209.09% 4.48% -167.30% 33.23% 68.79% -106.54%
NOPAT Q/Q Growth		 -11.61% 101.71% -42.11% -14,176.36% 4.48% -167.30% 33.23% 68.79% -106.54%
Net Income Q/Q Growth		 -11.61% 101.20% -42.11% -20,209.09% 4.48% -167.30% 33.23% 68.79% -106.54%
EPS Q/Q Growth		 -3.13% 100.00% 0.00% -1,175.00% 4.65% -165.85% 33.95% 69.44% -109.09%
Operating Cash Flow Q/Q Growth		 -210.47% 162.21% -186.55% 17.78% -28.86% 65.48% -492.15% 96.28% -589.13%
Free Cash Flow Firm Q/Q Growth		 182.79% 600.82% -92.84% -48.32% 70.55% 124.13% 146.23% 2.99% -41.33%
Invested Capital Q/Q Growth		 -7.85% 3.53% -0.48% -0.77% -11.34% -9.74% -29.38% 0.09% 9.24%
Profitability Metrics		 - - - - - - - - -
EBITDA Margin		 -15.62% 2.21% 3.45% -31.21% -28.14% -136.50% -64.61% -13.85% -28.99%
EBIT Margin		 -23.11% 0.24% 0.14% -35.63% -32.12% -143.28% -68.48% -17.04% -38.10%
Profit (Net Income) Margin		 -23.11% 0.24% 0.14% -35.63% -32.12% -143.28% -68.48% -17.04% -38.10%
Tax Burden Percent		 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00%
Interest Burden Percent		 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00%
Effective Tax Rate		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Return on Invested Capital (ROIC)		 -4.53% 0.05% 0.04% -8.02% -7.92% -31.22% -15.37% -3.96% -9.14%
ROIC Less NNEP Spread (ROIC-NNEP)		 -5.46% 0.05% 0.04% -9.36% -9.41% -35.22% -18.76% -4.98% -11.36%
Return on Net Nonoperating Assets (RNNOA)		 -6.52% -0.69% 0.05% -11.29% -10.04% -39.84% -17.43% -5.07% -11.20%
Return on Equity (ROE)		 -11.04% -0.65% 0.09% -19.31% -17.96% -71.07% -32.80% -9.03% -20.34%
Cash Return on Invested Capital (CROIC)		 12.84% 71.61% 5.82% 3.06% 6.16% 14.71% 42.41% 42.60% 21.97%
Operating Return on Assets (OROA)		 -0.81% 0.01% 0.01% -1.43% -1.25% -4.74% -2.05% -0.54% -1.20%
Return on Assets (ROA)		 -0.81% 0.01% 0.01% -1.43% -1.25% -4.74% -2.05% -0.54% -1.20%
Return on Common Equity (ROCE)		 -4.80% -1.36% 0.04% -8.65% -7.82% -29.03% -12.97% -3.29% -7.10%
Return on Equity Simple (ROE_SIMPLE)		 -14.11% -10.50% 0.00% -9.45% -10.77% -30.87% 0.00% -44.53% -48.38%
Net Operating Profit after Tax (NOPAT)		 -1.11 0.02 0.01 -1.55 -1.48 -3.95 -2.64 -0.82 -1.70
NOPAT Margin		 -16.18% 0.24% 0.14% -24.94% -22.48% -100.29% -47.93% -11.93% -26.67%
Net Nonoperating Expense Percent (NNEP)		 0.93% 0.00% 0.00% 1.34% 1.49% 3.99% 3.39% 1.01% 2.22%
SG&A Expenses to Revenue		 85.16% 72.68% 71.03% 96.80% 93.69% 168.62% 117.34% 88.07% 95.13%
Operating Expenses to Revenue		 120.66% 100.97% 99.79% 131.44% 125.11% 240.84% 161.69% 117.41% 138.33%
Earnings before Interest and Taxes (EBIT)		 -1.59 0.02 0.01 -2.21 -2.11 -5.65 -3.77 -1.18 -2.43
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)		 -1.07 0.18 0.28 -1.94 -1.85 -5.38 -3.56 -0.96 -1.85
Valuation Ratios		 - - - - - - - - -
Price to Book Value (P/BV)		 0.64 0.48 0.37 0.39 0.54 0.89 0.92 1.29 2.35
Price to Tangible Book Value (P/TBV)		 0.64 0.48 0.37 0.39 0.54 0.89 0.92 1.29 2.35
Price to Revenue (P/Rev)		 0.40 0.35 0.26 0.24 0.34 0.38 0.32 0.38 0.54
Price to Earnings (P/E)		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Dividend Yield		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Earnings Yield		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Enterprise Value to Invested Capital (EV/IC)		 0.33 0.05 0.19 0.35 0.20 0.28 0.00 0.17 0.39
Enterprise Value to Revenue (EV/Rev)		 1.07 0.15 0.58 1.07 0.55 0.80 0.00 0.37 0.93
Enterprise Value to EBITDA (EV/EBITDA)		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Enterprise Value to EBIT (EV/EBIT)		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Enterprise Value to NOPAT (EV/NOPAT)		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Enterprise Value to Operating Cash Flow (EV/OCF)		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Enterprise Value to Free Cash Flow (EV/FCFF)		 2.34 0.04 3.13 11.25 3.12 1.70 0.00 0.29 1.46
Leverage & Solvency		 - - - - - - - - -
Debt to Equity		 1.17 1.09 1.10 1.21 0.96 1.19 0.68 0.75 1.02
Long-Term Debt to Equity		 1.17 1.09 1.10 1.21 0.96 1.19 0.68 0.75 1.02
Financial Leverage		 1.19 -14.93 1.12 1.21 1.07 1.13 0.93 1.02 0.99
Leverage Ratio		 17.44 -73.19 16.91 17.70 18.75 20.04 20.68 21.35 21.66
Compound Leverage Factor		 17.44 -73.19 16.91 17.70 18.75 20.04 20.68 21.35 21.66
Debt to Total Capital		 54.00% 52.14% 52.38% 54.79% 48.99% 54.26% 40.63% 42.77% 50.57%
Short-Term Debt to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Long-Term Debt to Total Capital		 54.00% 52.14% 52.38% 54.79% 48.99% 54.26% 40.63% 42.77% 50.57%
Preferred Equity to Total Capital		 26.88% 25.35% 24.46% 24.65% 27.81% 30.81% 43.62% 43.58% 39.90%
Noncontrolling Interests to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Common Equity to Total Capital		 19.12% 22.51% 23.16% 20.56% 23.20% 14.93% 15.74% 13.64% 9.54%
Debt to EBITDA		 -11.44 -14.77 -27.15 -18.93 -11.50 -4.31 -1.59 -1.82 -2.35
Net Debt to EBITDA		 1.32 8.94 7.29 -0.97 4.73 1.26 2.36 1.87 1.08
Long-Term Debt to EBITDA		 -11.44 -14.77 -27.15 -18.93 -11.50 -4.31 -1.59 -1.82 -2.35
Debt to NOPAT		 -11.89 -14.82 -22.33 -18.31 -12.74 -5.49 -2.10 -2.40 -3.02
Net Debt to NOPAT		 1.37 8.97 5.99 -0.93 5.24 1.60 3.13 2.47 1.39
Long-Term Debt to NOPAT		 -11.89 -14.82 -22.33 -18.31 -12.74 -5.49 -2.10 -2.40 -3.02
Noncontrolling Interest Sharing Ratio		 56.52% -111.34% 53.82% 55.19% 56.47% 59.16% 60.47% 63.55% 65.07%
Liquidity Ratios		 - - - - - - - - -
Cash Flow Metrics		 - - - - - - - - -
Free Cash Flow to Firm (FCFF)		 15 104 7.48 3.87 6.59 15 36 37 22
Operating Cash Flow to CapEx		 -5,359.60% 4,649.30% -2,304.03% -1,525.32% -2,855.66% -1,971.70% -34,377.78% -136.90% -1,366.38%
Free Cash Flow to Firm to Interest Expense		 5.71 34.91 2.10 1.04 1.72 3.80 9.82 10.52 6.40
Operating Cash Flow to Interest Expense		 -2.03 1.10 -0.80 -0.63 -0.79 -0.27 -1.67 -0.06 -0.46
Operating Cash Flow Less CapEx to Interest Expense		 -2.07 1.08 -0.84 -0.68 -0.82 -0.28 -1.67 -0.11 -0.50
Efficiency Ratios		 - - - - - - - - -
Asset Turnover		 0.04 0.04 0.04 0.04 0.04 0.03 0.03 0.03 0.03
Fixed Asset Turnover		 8.38 9.33 10.20 10.83 11.29 10.31 9.72 10.36 10.68
Capital & Investment Metrics		 - - - - - - - - -
Invested Capital		 86 89 89 88 78 71 50 50 54
Invested Capital Turnover		 0.28 0.20 0.32 0.32 0.35 0.31 0.32 0.33 0.34
Increase / (Decrease) in Invested Capital		 -16 -104 -7.47 -5.41 -8.07 -19 -39 -38 -24
Enterprise Value (EV)		 28 4.14 17 31 16 20 -1.13 8.51 21
Market Capitalization		 10 9.69 7.63 7.02 9.80 9.40 7.20 8.78 12
Book Value per Share		 $3.42 $4.09 $4.13 $3.64 $3.55 $2.06 $1.54 $1.34 $1.02
Tangible Book Value per Share		 $3.42 $4.09 $4.13 $3.64 $3.55 $2.06 $1.54 $1.34 $1.02
Total Capital		 86 89 89 88 78 71 50 50 54
Total Debt		 47 47 47 48 38 38 20 21 28
Total Long-Term Debt		 47 47 47 48 38 38 20 21 28
Net Debt		 -5.37 -28 -12 2.47 -16 -11 -30 -22 -13
Capital Expenditures (CapEx)		 0.10 0.07 0.12 0.15 0.11 0.05 0.02 0.17 0.12
Net Nonoperating Expense (NNE)		 0.48 0.00 0.00 0.66 0.63 1.69 1.13 0.35 0.73
Net Nonoperating Obligations (NNO)		 47 47 47 48 38 38 20 21 28
Total Depreciation and Amortization (D&A)		 0.51 0.16 0.27 0.27 0.26 0.27 0.21 0.22 0.58
Earnings Adjustments		 - - - - - - - - -
Adjusted Basic Earnings per Share		 ($0.33) $0.00 $0.04 ($0.43) ($0.41) ($1.09) ($0.72) ($0.22) ($0.46)
Adjusted Weighted Average Basic Shares Outstanding		 4.92M 4.99M 0.00 5.11M 5.11M 5.11M 5.07M 5.08M 5.10M
Adjusted Diluted Earnings per Share		 ($0.33) $0.00 $0.04 ($0.43) ($0.41) ($1.09) ($0.72) ($0.22) ($0.46)
Adjusted Weighted Average Diluted Shares Outstanding		 4.92M 4.99M 0.00 5.11M 5.11M 5.11M 5.07M 5.08M 5.10M
Adjusted Basic & Diluted Earnings per Share		 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding		 4.92M 4.99M 0.00 5.11M 5.11M 5.11M 5.07M 5.08M 5.10M
Normalized Net Operating Profit after Tax (NOPAT)		 -1.11 0.01 0.01 -1.55 -1.48 -3.95 -2.64 -0.82 -1.70
Normalized NOPAT Margin		 -16.18% 0.17% 0.09% -24.94% -22.48% -100.29% -47.93% -11.93% -26.67%
Pre Tax Income Margin		 -23.11% 0.24% 0.14% -35.63% -32.12% -143.28% -68.48% -17.04% -38.10%
Debt Service Ratios		 - - - - - - - - -
EBIT to Interest Expense		 -0.61 0.01 0.00 -0.60 -0.55 -1.45 -1.02 -0.33 -0.71
NOPAT to Interest Expense		 -0.43 0.01 0.00 -0.42 -0.39 -1.02 -0.71 -0.23 -0.50
EBIT Less CapEx to Interest Expense		 -0.65 -0.02 -0.03 -0.64 -0.58 -1.47 -1.02 -0.38 -0.74
NOPAT Less CapEx to Interest Expense		 -0.46 -0.02 -0.03 -0.46 -0.41 -1.03 -0.72 -0.28 -0.53
Payout Ratios		 - - - - - - - - -
Dividend Payout Ratio		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Augmented Payout Ratio		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%

Financials Breakdown Chart

Key Financial Trends

Carver Bancorp’s recent financial trends look mixed, with improving revenue but continued pressure on profitability and cash generation. Over the last several quarters, the company has been able to grow revenue at times and keep a large deposit base, but earnings remain volatile and most recent quarters were loss-making. Balance sheet trends also show shrinking cash and rising pressure from deposit outflows and debt changes.

  • Revenue improved sequentially in Q2 2026. Total revenue rose to $6.4 million from $6.1 million in Q1 2026, helped by stronger non-interest income.
  • Net interest income held up better than headline earnings. In Q2 2026, net interest income was $5.1 million, showing the core banking spread remained positive despite higher funding costs.
  • Provision for credit losses stayed very low in the latest quarter. CARV reported a $15,000 release in Q2 2026, which suggests limited near-term credit stress in the period.
  • Deposits remain a meaningful funding base. Total deposits were about $625.6 million in Q2 2026, still providing the bulk of the company’s liabilities and funding structure.
  • Q1 2026 showed a notable improvement in earnings versus the prior quarter. Net loss narrowed to $1.2 million from $3.8 million in Q4 2025.
  • Balance sheet size has been drifting lower. Total assets fell from $748.8 million in Q2 2025 to $698.0 million in Q2 2026, indicating a smaller operating base.
  • Cash and equivalents declined meaningfully in recent periods. Cash and due from banks fell to $40.2 million in Q2 2026 from $54.0 million a year earlier.
  • Deposit balances have been volatile quarter to quarter. The company has seen both inflows and outflows, which suggests funding stability is an ongoing watch item.
  • CARV remains unprofitable. The company reported a net loss of $2.4 million in Q2 2026, after a $1.2 million loss in Q1 2026 and a $3.8 million loss in Q4 2025.
  • Operating cash flow was negative in the latest quarter. Q2 2026 operating cash flow was -$1.6 million, and Q1 2026 was also negative at -$0.2 million.
  • Funding costs remain a drag on profitability. Deposit interest expense and debt interest expense have stayed elevated relative to revenue, which has compressed margins.
  • Non-interest expenses are still high relative to revenue. In Q2 2026, non-interest expense was $8.8 million versus total revenue of $6.4 million, helping drive the loss.
  • Quarterly performance has been volatile over the last year. Results swung from modest profit in Q4 2024 to losses in most later quarters, making earnings predictability weak.

Bottom line: Carver Bancorp shows some signs of stabilization in revenue and credit quality, but profitability, operating cash flow, and funding volatility remain major concerns. For retail investors, this is still a turnaround-style story rather than a consistently profitable bank.

07/27/26 01:31 AM ETAI Generated. May Contain Errors.

Carver Bancorp Financials - Frequently Asked Questions

According to the most recent income statement we have on file, Carver Bancorp's financial year ends in March. Their financial year 2025 ended on March 31, 2025.

Carver Bancorp's net income appears to be on an upward trend, with a most recent value of -$13.74 million in 2025, rising from -$553 thousand in 2015. The previous period was -$2.98 million in 2024. Find out what analysts predict for Carver Bancorp in the coming months.

Over the last 10 years, Carver Bancorp's total revenue changed from $23.95 million in 2015 to $22.24 million in 2025, a change of -7.2%.

Carver Bancorp's total liabilities were at $700.41 million at the end of 2025, a 2.0% decrease from 2024, and a 12.6% increase since 2015.

In the past 10 years, Carver Bancorp's cash and equivalents has ranged from $31.23 million in 2019 to $134.56 million in 2018, and is currently $49.81 million as of their latest financial filing in 2025.

Over the last 10 years, Carver Bancorp's book value per share changed from 2.31 in 2015 to 1.54 in 2025, a change of -33.5%.


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Financial statements for NASDAQ:CARV last updated on 7/22/2026 by MarketBeat.com Staff. New filings and market data are monitored continuously.
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