CARV

Carver Bancorp, Inc.

Financial Services · USD

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1.81 USD -0.04 -2.16%
As of Oct 30, 2026
1.80 Day range 1.81
1.17 52-week range 3.64
YTD
+53.39%
1 year
-34.66%
Open
1.80
Prev close
1.85
Mkt cap
10.55M
Vol
377
Avg vol
2.66K
EPS
-1.36
P/E
0.00
Div yield
0.00%
More statistics
Low
1.80
High
1.81
Forward P/E
0.00
Beta
1.11
Short ratio
0.31
Inst. own
8.43%
Dividend
0.00
Ex-div date
Aug 24, 2010
50-d avg
1.74
200-d avg
1.74
1y target
0.00

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Financial health

Altman Z-Score

-1.02 Distress zone

Bankruptcy-risk model: below 1.81 distress, above 2.99 safe.

Piotroski F-Score

3 / 9 Weak

Nine pass/fail tests of profitability, leverage and efficiency.

FMP rating

C+2 / 5 overall

  • DCF 3
  • Return on Equity 1
  • Return on Assets 1
  • Debt / Equity 1
  • P/E 1
  • P/B 5

Valuation

P/E -1.2×
FY 2017: -4.8×FY 2018: 4.9×FY 2019: -2.3×FY 2020: -1.3×FY 2021: -8.0×FY 2022: -29.2×FY 2023: -3.9×FY 2024: -2.5×FY 2025: -0.5×FY 2026: -1.2×
FY 2017 5y median -2.5× FY 2026
P/S 0.2×
FY 2017: 0.4×FY 2018: 0.4×FY 2019: 0.5×FY 2020: 0.3×FY 2021: 1.2×FY 2022: 0.8×FY 2023: 0.5×FY 2024: 0.2×FY 2025: 0.2×FY 2026: 0.2×
FY 2017 5y median 0.2× FY 2026
P/B 0.3×
FY 2017: 0.3×FY 2018: 0.2×FY 2019: 0.3×FY 2020: 0.1×FY 2021: 0.6×FY 2022: 0.5×FY 2023: 0.4×FY 2024: 0.2×FY 2025: 0.2×FY 2026: 0.3×
FY 2017 5y median 0.3× FY 2026
P/FCF -5.6×
FY 2017: 23.9×FY 2018: -1.6×FY 2019: -1.1×FY 2020: -5.3×FY 2021: 15.9×FY 2022: 3.6×FY 2023: -1.6×FY 2024: -1.1×FY 2025: -0.6×FY 2026: -5.6×
FY 2017 5y median -1.1× FY 2026
EV/EBITDA -2.3×
FY 2017: -2.3×FY 2018: -13.8×FY 2019: -0.7×FY 2020: 2.0×FY 2021: -3.0×FY 2022: -30.5×FY 2023: -11.6×FY 2024: -2.8×FY 2025: 1.1×FY 2026: -2.3×
FY 2017 5y median -2.8× FY 2026
EV/Sales 0.3×
FY 2017: 0.1×FY 2018: -2.9×FY 2019: 0.1×FY 2020: -0.3×FY 2021: 0.3×FY 2022: -0.2×FY 2023: 1.2×FY 2024: 0.1×FY 2025: -0.4×FY 2026: 0.3×
FY 2017 5y median 0.1× FY 2026
FCF Yield -17.8%
FY 2017: 4.2%FY 2018: -63.2%FY 2019: -87.0%FY 2020: -18.8%FY 2021: 6.3%FY 2022: 27.7%FY 2023: -62.9%FY 2024: -92.3%FY 2025: -177.1%FY 2026: -17.8%
FY 2017 5y median -62.9% FY 2026

Profitability

Gross Margin 66.9%
FY 2017: 83.9%FY 2018: 81.4%FY 2019: 78.5%FY 2020: 77.8%FY 2021: 83.7%FY 2022: 90.1%FY 2023: 84.0%FY 2024: 71.7%FY 2025: 56.3%FY 2026: 66.9%
FY 2017 5y median 71.7% FY 2026
Operating Margin -16.8%
FY 2017: -8.9%FY 2018: 18.3%FY 2019: -21.8%FY 2020: -21.4%FY 2021: -14.7%FY 2022: -2.8%FY 2023: -14.1%FY 2024: -7.3%FY 2025: -36.8%FY 2026: -16.8%
FY 2017 5y median -14.1% FY 2026
Net Margin -16.8%
FY 2017: -9.3%FY 2018: 18.4%FY 2019: -21.8%FY 2020: -21.4%FY 2021: -14.7%FY 2022: -2.8%FY 2023: -14.1%FY 2024: -7.3%FY 2025: -36.8%FY 2026: -16.8%
FY 2017 5y median -14.1% FY 2026
ROE -27.7%
FY 2017: -6.0%FY 2018: 10.3%FY 2019: -12.6%FY 2020: -11.1%FY 2021: -7.4%FY 2022: -1.5%FY 2023: -9.7%FY 2024: -7.0%FY 2025: -46.5%FY 2026: -27.7%
FY 2017 5y median -9.7% FY 2026
ROIC -1.0%
FY 2017: -2.5%FY 2018: 5.0%FY 2019: -7.1%FY 2020: -6.0%FY 2021: -3.2%FY 2022: -0.8%FY 2023: -3.6%FY 2024: -2.7%FY 2025: -20.2%FY 2026: -1.0%
FY 2017 5y median -2.7% FY 2026
ROA -1.0%
FY 2017: -0.4%FY 2018: 0.8%FY 2019: -1.1%FY 2020: -0.9%FY 2021: -0.6%FY 2022: -0.1%FY 2023: -0.6%FY 2024: -0.4%FY 2025: -1.9%FY 2026: -1.0%
FY 2017 5y median -0.6% FY 2026

Growth (YoY)

Revenue 8.8%
FY 2017: -2.2%FY 2018: -5.1%FY 2019: -6.3%FY 2020: -7.0%FY 2021: 4.5%FY 2022: 14.0%FY 2023: 3.6%FY 2024: 30.2%FY 2025: -8.3%FY 2026: 8.8%
FY 2017 FY 2026
Operating Income 50.2%
FY 2017: -66.8%FY 2018: 294.6%FY 2019: -211.6%FY 2020: 8.6%FY 2021: 28.2%FY 2022: 78.3%FY 2023: -419.6%FY 2024: 32.4%FY 2025: -361.7%FY 2026: 50.2%
FY 2017 FY 2026
EPS (diluted) 51.3%
FY 2017: -60.4%FY 2018: 175.3%FY 2019: -375.9%FY 2020: 8.1%FY 2021: 22.4%FY 2022: 78.9%FY 2023: -329.2%FY 2024: 40.8%FY 2025: -334.4%FY 2026: 51.3%
FY 2017 FY 2026
Free Cash Flow 89.0%
FY 2017: 466.9%FY 2018: -1265.8%FY 2019: -76.8%FY 2020: 88.7%FY 2021: 248.5%FY 2022: 255.8%FY 2023: -254.3%FY 2024: 35.5%FY 2025: -86.7%FY 2026: 89.0%
FY 2017 FY 2026

Financial Health

Current Ratio 5.3×
FY 2017: 0.2×FY 2018: 0.3×FY 2019: 0.2×FY 2020: 0.2×FY 2021: 0.3×FY 2022: 0.2×FY 2023: 0.2×FY 2024: 0.2×FY 2025: 0.1×FY 2026: 5.3×
FY 2017 5y median 0.2× FY 2026
Quick Ratio 5.3×
FY 2017: 0.2×FY 2018: 0.3×FY 2019: 0.2×FY 2020: 0.2×FY 2021: 0.3×FY 2022: 0.2×FY 2023: 0.2×FY 2024: 0.2×FY 2025: 0.1×FY 2026: 5.3×
FY 2017 5y median 0.2× FY 2026
Debt / Equity 2.1×
FY 2017: 1.0×FY 2018: 0.7×FY 2019: 0.5×FY 2020: 0.6×FY 2021: 1.0×FY 2022: 0.6×FY 2023: 1.4×FY 2024: 1.4×FY 2025: 1.0×FY 2026: 2.1×
FY 2017 5y median 1.4× FY 2026
Net Debt / EBITDA -1.0×
FY 2017: 5.0×FY 2018: -15.5×FY 2019: 1.9×FY 2020: 3.5×FY 2021: 7.8×FY 2022: -169×FY 2023: -6.5×FY 2024: 0.9×FY 2025: 1.6×FY 2026: -1.0×
FY 2017 5y median -1.0× FY 2026
Interest Coverage -0.5×
FY 2017: -0.6×FY 2018: 1.0×FY 2019: -1.0×FY 2020: -1.0×FY 2021: -0.9×FY 2022: -0.4×FY 2023: -0.9×FY 2024: -0.3×FY 2025: -0.9×FY 2026: -0.5×
FY 2017 5y median -0.5× FY 2026

Dividends

Dividend Yield 0.0%
FY 2017: 0.0%FY 2018: 0.0%FY 2019: 0.0%FY 2020: 0.0%FY 2021: 0.0%FY 2022: 0.0%FY 2023: 0.0%FY 2024: 0.0%FY 2025: 0.0%FY 2026: 0.0%
FY 2017 5y median 0.0% FY 2026
Payout Ratio 0.0%
FY 2017: 0.0%FY 2018: 0.0%FY 2019: 0.0%FY 2020: 0.0%FY 2021: 0.0%FY 2022: 0.0%FY 2023: 0.0%FY 2024: 0.0%FY 2025: 0.0%FY 2026: 0.0%
FY 2017 5y median 0.0% FY 2026

Annual · latest fiscal year ends 2026-03-31