Carver bancorp, inc. CARV.US Overview
CARV AI Analysis & Strategy
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CARV Current Performance
34.72%
Carver bancorp, inc.
-0.11%
Avg of Sector
-0.01%
S&P500
CARV Key Information
CARV Revenue by Segments
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CARV Net Income
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CARV Cash Flow
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CARV Profit Margin
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CARV PE Ratio River
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CARV Financial Forecast
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CARV Earnings Table
Unit : USD
| QTR | Non-GAAP EPS | EPS YoY | EPS Surprise % | Sales | Sales YoY | Sales Surprise % | NPM |
|---|---|---|---|---|---|---|---|
| Current | |||||||
| 2024Q4 | |||||||
| 2024Q3 | |||||||
| 2024Q2 | |||||||
| 2024Q1 |
CARV Profile
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 also provides lending products, such as one-to-four family residential, multifamily real estate, and commercial real estate lending; and construction, business and small business administration, and consumer and other 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 transfer, bill payment, reloadable prepaid card, and money order services. The company operates through one administrative office, seven branches, and four ATMs. Carver Bancorp, Inc. was founded in 1948 and is headquartered in New York, New York.
Price of CARV
CARV FAQ
When is CARV's latest earnings report released?
The most recent financial report for Carver bancorp, inc. (CARV) covers the period of 2025Q4 and was published on 2025/03/31. This report is prepared according to IFRS/US GAAP standards and includes key financial indicators—Revenue, Profitability, Cash Flow, and Capital Structure. This information is essential for investors evaluating CARV's short-term business performance and financial health. For the latest updates on CARV's earnings releases, visit this page regularly.
What is the operating profit of CARV?
According to the latest financial report, Carver bancorp, inc. (CARV) reported an Operating Profit of -3.77M with an Operating Margin of -73.47% this period, representing a decline of 34,381.82% compared to the same period last year. Operating Profit reflects the company's core business efficiency and cost control, making it a key indicator for evaluating operational strength and profitability.
How is CARV's revenue growth?
In the latest financial report, Carver bancorp, inc. (CARV) announced revenue of 5.13M, with a Year-Over-Year growth rate of -36.96%. Revenue growth can be driven by product mix changes, market share expansion, price adjustments, or international market penetration. Investors should also monitor gross margin and regional revenue distribution for a comprehensive view of growth quality and sustainability.
How much debt does CARV have?
As of the end of the reporting period, Carver bancorp, inc. (CARV) had total debt of 29.11M, with a debt ratio of 0.04. Long-term debt comprises a higher/lower proportion. The level of financial leverage directly impacts the company's capital structure and interest coverage. If debt is high, pay attention to interest expenses and refinancing risks. Conversely, a low-leverage structure indicates greater risk tolerance but potentially less growth flexibility.
How much cash does CARV have?
At the end of the period, Carver bancorp, inc. (CARV) held Total Cash and Cash Equivalents of 50.32M, accounting for 0.07 of total assets. Both current and quick ratios indicate robust short-term debt repayment ability. High cash reserves typically mean the company has strong liquidity, supporting operational needs, expansion investments, or shareholder returns.
Does CARV go with three margins increasing?
In the latest report, Carver bancorp, inc. (CARV) did not achieve the “three margins increasing” benchmark, with a gross margin of 100%%, operating margin of -73.47%%, and net margin of -73.5%%. This demonstrates limited improvement in profitability, which is a key signal for fundamental analysis. Investors should consider margin trends alongside other financial indicators to assess CARV's profit trajectory and future growth potential.
Is CARV's EPS continuing to grow?
According to the past four quarterly reports, Carver bancorp, inc. (CARV)'s earnings per share (EPS) shows a declining trend, with the latest EPS at -0.72. If EPS continues to rise due to revenue growth and cost optimization, it can support P/E valuation recovery and attract long-term investors.
What is the FCF of CARV?
Carver bancorp, inc. (CARV)'s Free Cash Flow (FCF) for the period is -6.21M, calculated as Operating Cash Flow minus Capital Expenditures, representing a fall of 108.19% compared with the previous period. Positive FCF growth provides stable funding for dividends, debt repayment, or strategic acquisitions, and is an important measure of true profitability and shareholder return potential.
What are the PEG ratio and PE ratio of CARV?
The latest valuation data shows Carver bancorp, inc. (CARV) has a Price-To-Earnings (PE) ratio of -0.64 and a Price/Earnings-To-Growth (PEG) ratio of 0.01. A PEG below 1 usually suggests the market is underestimating growth potential, while a PEG above 1 indicates high growth expectations are already priced in. Investors should conduct a comprehensive valuation by considering historical growth, market forecasts, and industry cycles.