CARVER BANCORP, INC. (CARV)

1.80USD -2.70% (-0.05)

Over 1M: +2.7%

Style
Area Line Line with markers Steps Candles Hollow candles Bars

Candles and bars need the day’s open, high and low, and need room to be drawn in: past about a year of trading a body is thinner than a hairline, so those three offer the longest window that fits instead.

1.6 1.7 1.8
31 Jul 5 Aug 10 Aug 18 Aug 24 Aug 28 Aug 2 Sep

Financials Quarterly

Figures
Revenue Gross Profit Operating Income Cost of Revenue Operating Cash Flow Free Cash Flow Net Income

A share count and earnings a share are not here: neither is money, so neither can share this axis. Both have their own panel on All charts.

All charts ›
Q3 '21 — Net Income: -1.3M Q4 '21 — Net Income: -965K Q1 '22 — Net Income: -2.8M Q2 '22 — Net Income: 1.1M Q3 '22 — Net Income: 696K Q4 '22 — Net Income: 129K Q1 '23 — Net Income: -857K Q2 '23 — Net Income: -955K Q3 '23 — Net Income: -1.1M Q4 '23 — Net Income: -1.5M Q1 '24 — Net Income: -1.4M Q2 '24 — Net Income: -1.6M Q3 '24 — Net Income: 19K Q4 '24 — Net Income: 11K Q1 '25 — Net Income: -2.2M Q2 '25 — Net Income: -2.1M Q3 '25 — Net Income: -5.6M Q4 '25 — Net Income: -3.8M Q1 '26 — Net Income: -1.2M Q2 '26 — Net Income: -2.4M -4.5M -3M -1.5M 0 1.5M
Q4 '21 Q3 '22 Q2 '23 Q1 '24 Q4 '24 Q3 '25 Q2 '26
Operating Income Net Income

How it scores

For a valuation multiple, the low end is the good end.

Quality

How much of the revenue is really kept — and what did it take to earn it?

5.6
OE margin -435.9%
Accruals -0.57%
ROA -1.9%
Asset turnover 0.0031×
FCF margin -433.5%
OCF margin -417.2%
Profit margin -600.6%
ROE -48.4%
EBITDA margin —
Gross margin —
OCF / EBIT —
Oper. margin —
ROCE —
ROIC —

2 of 17 counted in the score. The rest are measures this model does not include here, or figures these filings do not carry — switch any of them on and the score changes.

Valuation

What does the price ask for what the company earns, owns and pays out?

0.5
P/B 0.34×
P/C 0.23×
FCF yield -102.5%
Div. yield —
EV/EBIT —
EV/GP —
EV/OE —
EV/Sales —
Fwd P/E —
P/E —
PEG —

0 of 12 counted in the score. The rest are measures this model does not include here, or figures these filings do not carry — switch any of them on and the score changes.

Durability

How predictable is the revenue, and how much of it is already committed?

1.0
RPO / sales —
RPO growth —
Segment HHI —

2 of 7 counted in the score. The rest are measures this model does not include here, or figures these filings do not carry — switch any of them on and the score changes.

Resilience

Can the balance sheet absorb a bad year?

5.8
ND/EBITDA -1.8
Cash runway 2.2 yr
Cash / Debt 2.0×
Debt payback 0.0 yr
Debt / Eq 0.75×
F-score 3.9 pts
Current ratio —
Interest cover —
Payout —
Quick ratio —

2 of 12 counted in the score. The rest are measures this model does not include here, or figures these filings do not carry — switch any of them on and the score changes.

Growth

Is the business getting bigger, and is it getting more profitable?

4.5
Sales/sh Y/Y +57.3%
Div. growth —
EBIT CAGR —
EBIT Y/Y —
EPS CAGR 4Y —
EPS Y/Y —
EPS next Y —
Sales Q/Q —

2 of 13 counted in the score. The rest are measures this model does not include here, or figures these filings do not carry — switch any of them on and the score changes.

A measure absent from a block could not be computed from this company's filings. It is left out rather than scored as though it were bad, and the dimension is averaged over what remains. A score is measured against a fixed scale this model states; the bar is measured against the other companies, so the two can disagree — and where they do, that disagreement is the more interesting figure.