CARVER BANCORP INC
CARVER BANCORP INC
Insider Sentiment (TTM):
Last Purchase:2024-11-25Last Sale:-Shares Purchased (TTM):0Shares Sold (TTM):0
Institutional Sentiment:
As of:2025-12-31Institutional Shares Owned:1,600Shares Outstanding:5,287,100Institutional Ownership Pct.:0.03%
Earnings Market Reaction:
Filing Date:2025-11-13Price on Filing Date:N/APrevious Close:N/A% Change:N/A
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Financial Statements
Values in Millions ($) | 2025-09-30 | 2025-06-30 | 2025-03-31 | 2024-12-31 | 2024-09-30 | 2024-06-30 | 2024-03-31 | 2023-12-31 | 2023-09-30 | 2023-06-30 | 2023-03-31 | 2022-12-31 | Subscriber-only column | Subscriber-only column | Subscriber-only column | Subscriber-only column | Financial statements beyond 3 years are for subscribers only. Unlock 17+ years of income statements, balance sheets, and cash flow statements Start 7-day free trial |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Real Estate Loan | -7 | 413 | 423 | -3 | -4 | 438 | 438 | 2 | 18 | 417 | 423 | 3 | |||||
Commercial Portfolio Segment | -4 | 165 | 165 | 162 | 0 | 1 | 170 | 0 | 1 | 1 | 167 | 0 | |||||
Consumer Portfolio Segment | -2 | 27 | 26 | 15 | 0 | 1 | 16 | 0 | 1 | -0 | 8 | 0 | |||||
Series D Preferred Stock | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | |||||
Series E Preferred Stock | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | |||||
Assets | |||||||||||||||||
Cash And Cash Equivalents | |||||||||||||||||
Cash And Due From Banks | 40 | 43 | 50 | 49 | 54 | 46 | 59 | 75 | 52 | 41 | 42 | 44 | |||||
Cash And Cash Equivalents… | |||||||||||||||||
Cash And Cash Equivalents At Carrying Value | 41 | 44 | 50 | 50 | 55 | 46 | 59 | 75 | 52 | 42 | 43 | 44 | |||||
Cash Equivalents At Carrying Value | - | - | 1 | - | - | - | 1 | - | - | - | 0 | - | |||||
Money Market Funds At Carrying Value | 1 | 1 | - | 1 | 1 | 1 | - | 1 | 0 | 0 | - | 0 | |||||
Marketable Securities | |||||||||||||||||
Available For Sale Securities Debt Securities | 44 | 44 | 45 | 44 | 48 | 47 | 48 | 49 | 48 | 52 | 54 | 53 | |||||
Held To Maturity Securities | 2 | 2 | 2 | 2 | 2 | 2 | 2 | 2 | 2 | 2 | 2 | 2 | |||||
Investments | 46 | 46 | 46 | 46 | 50 | 49 | 50 | 51 | 50 | 54 | 56 | 56 | |||||
Financing Receivable Excluding Accrued Interest Be… | 593 | 605 | 614 | 611 | 619 | 627 | 623 | 625 | 611 | 591 | - | - | |||||
Financing Receivable Allowance For Credit Loss Exc… | -6 | -6 | -6 | -6 | -6 | -6 | -6 | -6 | -6 | -6 | - | - | |||||
Loans And Leases Receivab… | |||||||||||||||||
Financing Receivable Excluding Accrued Interest Af… | 587 | 599 | 607 | 605 | 613 | 621 | 617 | 619 | 605 | 585 | - | - | |||||
Loans And Leases Receivable Net Reported Amount | - | - | - | - | - | - | - | - | - | - | 593 | 582 | |||||
Loans And Leases Receivable Net Of Deferred Income | - | - | - | - | - | - | - | 625 | 611 | 591 | 598 | 587 | |||||
Loans And Leases Receivable Allowance | - | - | - | - | - | - | - | - | - | - | -5 | -5 | |||||
Property Plant And Equipment Net | 2 | 2 | 2 | 2 | 2 | 2 | 3 | 3 | 3 | 3 | 3 | 3 | |||||
Federal Home Loan Bank Stock | 1 | 1 | 1 | 2 | 2 | 2 | 2 | 2 | 2 | 2 | 2 | 1 | |||||
Accrued Fees And Other Revenue Receivable | - | - | 3 | - | - | - | 4 | - | - | - | 2 | - | |||||
Interest Receivable And Other Assets | 3 | 3 | - | 2 | 5 | 4 | - | 2 | 2 | 2 | - | 3 | |||||
Operating Lease Right Of Use Asset | 7 | 8 | 8 | 9 | 10 | 9 | 10 | 10 | 11 | 12 | 12 | 13 | |||||
Other Assets | 12 | 12 | 12 | 12 | 13 | 13 | 13 | 13 | 18 | 12 | 12 | 11 | |||||
Assets | 698 | 714 | 730 | 728 | 749 | 747 | 757 | 775 | 743 | 712 | 723 | 712 | |||||
Liabilities And Stockhold… | |||||||||||||||||
Liabilities | |||||||||||||||||
Noninterest Bearing Domestic Deposit Checking | 91 | 90 | 90 | 97 | 103 | 106 | 102 | 106 | 113 | 105 | 109 | 106 | |||||
Interest Bearing Deposit … | |||||||||||||||||
Interest Bearing Domestic Deposit Checking | 42 | 42 | 44 | 44 | 45 | 44 | 46 | 47 | 52 | 49 | 49 | 57 | |||||
Interest Bearing Domestic Deposit Savings | 111 | 111 | 111 | 107 | 108 | 111 | 113 | 110 | 109 | 111 | 109 | 109 | |||||
Deposits | |||||||||||||||||
Deposits | 626 | 646 | 662 | 637 | 651 | 638 | 647 | 663 | 630 | 593 | 600 | 609 | |||||
Interest Bearing Domestic Deposit Money Market | 166 | 159 | 162 | 152 | 154 | 159 | 159 | 166 | 164 | 141 | 150 | 184 | |||||
Interest Bearing Domestic Deposit Certificates Of … | 212 | 243 | 252 | 236 | 239 | 217 | 224 | 232 | 190 | 185 | 179 | 152 | |||||
Advance Payments By Borrowers For Taxes And Insura… | 3 | 1 | 3 | 1 | 2 | 1 | 3 | 2 | 3 | 2 | 3 | 2 | |||||
Interest Bearing Deposit Liabilities Domestic | 534 | 556 | 572 | 540 | 548 | 532 | 545 | 556 | 518 | 488 | 491 | 504 | |||||
Debt And Capital Lease Obligations | 28 | 21 | 20 | 38 | 38 | 48 | 47 | 47 | 47 | 51 | 51 | 31 | |||||
Operating Lease Liability | 8 | 8 | 9 | 10 | 10 | 10 | 11 | 11 | 12 | 13 | 13 | 14 | |||||
Other Liabilities | 10 | 10 | 9 | 11 | 10 | 10 | 10 | 12 | 14 | 12 | 13 | 13 | |||||
Liabilities | 671 | 685 | 700 | 695 | 709 | 707 | 714 | 733 | 703 | 669 | 678 | 667 | |||||
Equity | |||||||||||||||||
Commitments And Contingencies | 0 | 0 | - | 0 | 0 | 0 | - | 0 | - | - | - | - | |||||
Statement Of Stockholders… | |||||||||||||||||
Treasury Stock Shares | - | - | - | - | - | - | - | - | - | - | - | 3 | |||||
Common Stock Value Outstanding | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | |||||
Additional Paid In Capital | 88 | 88 | 88 | 88 | 88 | 88 | 88 | 87 | 86 | 85 | 83 | 83 | |||||
Retained Earnings Accumulated Deficit | -69 | -66 | -65 | -62 | -56 | -54 | -52 | -52 | -52 | -50 | -48 | -46 | |||||
Treasury Stock Value | -3 | -3 | -3 | -3 | -3 | -3 | -3 | -3 | -3 | -3 | -3 | -3 | |||||
Accumulated Other Comprehensive Income Loss Net Of… | -11 | -12 | -12 | -13 | -11 | -13 | -13 | -12 | -15 | -13 | -12 | -14 | |||||
Stockholders Equity | 27 | 29 | 30 | 32 | 40 | 40 | 42 | 43 | 40 | 43 | 45 | 45 | |||||
Liabilities And Stockholders Equity | 698 | 714 | 730 | 728 | 749 | 747 | 757 | 775 | 743 | 712 | 723 | 712 | |||||
Held To Maturity Securiti… | |||||||||||||||||
Available For Sale Debt Securities Amortized Cost … | 55 | 56 | 56 | 57 | 59 | 60 | 61 | - | - | - | - | - | |||||
Held To Maturity Securities Fair Value | 2 | 2 | 2 | 2 | 2 | 2 | 2 | 2 | 2 | 2 | 2 | 2 | |||||
Stockholders Equity Numbe… | |||||||||||||||||
Partners Capital Account … | |||||||||||||||||
Series F Preferred Stock | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | |||||
Common Stock Par Or Stated Value Per Share | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | |||||
Common Stock Shares Authorized | 10 | 10 | 10 | 10 | 10 | 10 | 10 | 10 | 10 | 10 | 10 | 10 | |||||
Common Stock Shares Issued | 8 | 8 | 8 | 8 | 8 | 8 | 8 | 8 | 7 | 7 | 7 | 7 | |||||
Shares Outstanding | 5 | 5 | 5 | 5 | 5 | 5 | 5 | 5 | 5 | 5 | 4 | 4 | |||||
Treasury Stock Common Shares | 3 | 3 | 3 | 3 | 3 | 3 | 3 | 3 | 3 | 3 | 3 | - | |||||
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Earnings Market Reaction
| Fiscal Year | Q1 1 Month | Q1 2 Month | Q1 3 Month | Q2 1 Month | Q2 2 Month | Q2 3 Month | Q3 1 Month | Q3 2 Month | Q3 3 Month | Q4 1 Month | Q4 2 Month | Q4 3 Month |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 2026 | 65.54% | 50.28% | 57.06% | -59.83% | -60.11% | -54.99% | - | - | - | - | - | - |
| 2025 | -3.05% | -4.06% | -14.21% | 8.28% | 8.88% | 6.51% | -11.93% | -21.02% | -22.16% | 51.16% | 4.65% | 39.53% |
| 2024 | -6.23% | -22.57% | -41.25% | 24.66% | 31.51% | 18.49% | -4.49% | -10.67% | -14.61% | 29.33% | 27.33% | 26.00% |
| 2023 | - | - | - | -10.82% | -2.21% | 1.99% | -3.81% | -9.87% | 0.45% | 2.21% | -8.49% | -16.24% |
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Performance and Valuation Metrics
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Metrics | 2025-09-30 | 2025-06-30 | 2025-03-31 | 2024-12-31 | 2024-09-30 | 2024-06-30 | 2024-03-31 | 2023-12-31 | 2023-09-30 | 2023-06-30 | 2023-03-31 | 2022-12-31 | Subscriber-only column | Subscriber-only column | Subscriber-only column | Subscriber-only column | Metric history beyond 3 years is for subscribers only. Unlock 17+ years of history across 90+ calculated metrics Start 7-day free trial |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Leverage & Debt | |||||||||||||||||
| Interest Coverage TTM | -1.71 | -1.66 | -1.37 | -0.72 | -0.00 | 0.71 | 0.74 | 0.53 | 0.30 | 0.25 | 0.10 | 0.27 | |||||
Efficiency & Turnover | |||||||||||||||||
| Days Sales Outstanding TTM | - | - | - | - | - | - | - | 6,948.42 | 7,082.50 | 7,146.38 | 7,685.73 | 7,790.07 | |||||
| Receivables Turnover TTM | - | - | - | - | - | - | - | 0.05 | 0.05 | 0.05 | 0.05 | 0.05 | |||||
Per Share Metrics | |||||||||||||||||
| Diluted EPS TTM | -2.46 | -2.41 | -2.65 | -1.92 | -0.84 | -0.73 | -0.61 | -0.70 | -1.16 | -1.10 | -1.03 | -0.65 | |||||
| Free Cash Flow Per Share TTM | -1.21 | -1.40 | -2.50 | -1.25 | -0.70 | -1.00 | -1.43 | -0.75 | -1.06 | -0.38 | -2.51 | 0.38 | |||||
| Dividend Per Share TTM | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | |||||
Margin Metrics | |||||||||||||||||
| Gross Profit Margin TTM | 55.80% | 56.27% | 55.86% | 51.49% | 56.02% | 57.21% | 59.58% | 69.79% | 73.58% | 77.18% | 82.27% | 85.59% | |||||
| Operating Profit Margin TTM | -28.03% | -26.07% | -29.09% | -28.00% | -11.56% | -10.67% | -8.78% | -9.43% | -13.47% | -11.90% | -10.47% | -10.97% | |||||
| Net Profit Margin TTM | -39.45% | -37.08% | -40.09% | -27.97% | -11.53% | -10.63% | -8.75% | -14.17% | -18.40% | -17.05% | -15.89% | -10.48% | |||||
Growth Metrics | |||||||||||||||||
| Net Revenue Growth (1Y) | -11.35% | -3.25% | 0.77% | 12.43% | 22.50% | 21.67% | 22.81% | 19.79% | 22.03% | 21.80% | 21.15% | 20.66% | |||||
| Net Income Growth (1Y) | 203.31% | 237.29% | 361.67% | 121.97% | -23.25% | -24.11% | -32.36% | 61.90% | 466.97% | -571.96% | 419.60% | 42.81% | |||||
| EPS Growth (1Y) | 197.61% | 232.02% | 331.61% | 115.38% | -25.02% | -30.33% | -40.29% | 46.09% | 416.07% | -556.78% | 335.89% | 32.09% | |||||
Valuation Metrics | |||||||||||||||||
| P/E TTM | -1.44 | -1.06 | -0.53 | -1.43 | -3.42 | -2.86 | -2.49 | -3.31 | -2.90 | -3.77 | -3.88 | -10.08 | |||||
| P/B TTM | 0.69 | 0.47 | 0.25 | 0.44 | 0.37 | 0.27 | 0.18 | 0.35 | 0.41 | 0.44 | 0.38 | 0.62 | |||||
| P/S TTM | 0.57 | 0.39 | 0.21 | 0.40 | 0.39 | 0.30 | 0.22 | 0.47 | 0.53 | 0.64 | 0.62 | 1.06 | |||||
| Market Cap | 18.70M | 13.43M | 7.31M | 14.29M | 14.68M | 10.78M | 7.41M | 14.84M | 16.21M | 18.74M | 17.07M | 27.95M | |||||
| Enterprise Value | -22.05M | -30.40M | -43.01M | -35.67M | -39.87M | -35.57M | -51.61M | -60.39M | -35.98M | -22.95M | -25.48M | -15.97M | |||||
Calculated Values | |||||||||||||||||
| Free Cash Flow TTM | -9.40M | -10.84M | -12.94M | -9.72M | -5.39M | -7.66M | -6.93M | -5.67M | -7.94M | -2.70M | -10.74M | 2.57M | |||||
| Net Debt | -40.75M | -43.84M | -50.32M | -49.96M | -54.55M | -46.34M | -59.03M | -75.23M | -52.19M | -41.69M | -42.55M | -43.91M | |||||
Per-Share and Margin | |||||||||||||||||
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Turnover Ratios and Averages | |||||||||||||||||
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| Inventory Turnover TTM | |||||||||||||||||
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| Working Capital to Revenue | |||||||||||||||||
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Growth Rates | |||||||||||||||||
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Credit, Liquidity, Returns, Payout | |||||||||||||||||
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| Net Debt to Equity | |||||||||||||||||
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| NCAV | |||||||||||||||||
| NCAV Per Share TTM | |||||||||||||||||
Valuation Ratios | |||||||||||||||||
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| Total Debt | |||||||||||||||||
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Insider Transactions
2024-11-25Purchase
Owner: Mackay, Craig C
Title: -
Shares: 59,880
Price/Share: $1.67
Value: $99,999.60
Shares Owned: 64,880
Relationship: Director
Ownership: Direct
2024-11-25Purchase
Owner: Jackson, Pazel G Jr
Title: -
Shares: 8,982
Price/Share: $1.67
Value: $14,999.94
Shares Owned: 15,308
Relationship: Director
Ownership: Direct
2024-11-25Purchase
Owner: Felix, Donald
Title: President and CEO
Shares: 26,946
Price/Share: $1.67
Value: $44,999.82
Shares Owned: 26,946
Relationship: Officer
Ownership: Direct
2024-11-25Purchase
Owner: Grannum, Colvin
Title: -
Shares: 11,976
Price/Share: $1.67
Value: $19,999.92
Shares Owned: 13,716
Relationship: Director
Ownership: Direct
2024-11-25Purchase
Owner: Knuckles, Kenneth
Title: -
Shares: 8,982
Price/Share: $1.67
Value: $14,999.94
Shares Owned: 9,982
Relationship: Director
Ownership: Direct
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Institutional Ownership
No data available for chart
2025-12-31
0.03%
Inst. Shares: 1,600
Shares Outstanding: 5,287,100
2025-09-30
14.14%
Inst. Shares: 747,724
Shares Outstanding: 5,287,100
2025-06-30
14.00%
Inst. Shares: 725,466
Shares Outstanding: 5,183,492
2025-03-31
13.81%
Inst. Shares: 715,977
Shares Outstanding: 5,183,492
2024-12-31
13.97%
Inst. Shares: 723,969
Shares Outstanding: 5,183,492
CARVER BANCORP INC (CARV) — SEC Financial Statements & Analysis
CARVER BANCORP INC (CARV) is a savings institution, federally chartered company, incorporated in DE. CARVER BANCORP INC trades on OTC as: CARV. Based on its latest SEC filing (Form 10-Q, period ending 2025-09-30), CARVER BANCORP INC reported a -11.35% year-over-year revenue growth, a Gross Profit Margin of 55.80% (TTM), a Price-to-Sales (P/S) ratio of 0.57x (TTM), a Price-to-Book (P/B) ratio of 0.69x (TTM), at a market cap of $18.70M. Figures below are sourced from SEC EDGAR, as-filed.
- Net Revenue TTM Growth 1Y
- -11.35%
- Gross Profit Margin TTM
- 55.80%
- P/S TTM
- 0.57x
- P/B TTM
- 0.69x
- Market Cap
- $18.70M
Data as of 2025-09-30 · Source: SEC EDGAR
Frequently Asked Questions
What industry is CARVER BANCORP INC in?
CARVER BANCORP INC (CARV) operates in the Savings Institution, Federally Chartered industry.
What is CARV's market cap?
CARVER BANCORP INC (CARV) has a market capitalization of $18.70M as of 2025-09-30.
What exchange does CARV trade on?
CARVER BANCORP INC (CARV) trades on the OTC.
Where is CARVER BANCORP INC incorporated?
CARVER BANCORP INC is incorporated in DE.