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CARVER BANCORP INC (CARV) Stock Fundamental Analysis

NASDAQ:CARV - Nasdaq - US1468756044 - Common Stock - Currency: USD

1.725  +0.03 (+1.47%)

Fundamental Rating

1

CARV gets a fundamental rating of 1 out of 10. The analysis compared the fundamentals against 404 industry peers in the Banks industry. Both the profitability and financial health of CARV have multiple concerns. CARV is valued expensive and it does not seem to be growing.


Dividend Valuation Growth Profitability Health

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0

1. Profitability

1.1 Basic Checks

In the past year CARV has reported negative net income.
CARV had a negative operating cash flow in the past year.
In the past 5 years CARV always reported negative net income.
The reported operating cash flow has been mixed in the past 5 years: CARV reported negative operating cash flow in multiple years.
CARV Yearly Net Income VS EBIT VS OCF VS FCFCARV Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 5M -5M -10M

1.2 Ratios

CARV has a Return On Assets of -0.57%. This is amonst the worse of the industry: CARV underperforms 96.98% of its industry peers.
CARV's Return On Equity of -10.78% is on the low side compared to the rest of the industry. CARV is outperformed by 98.49% of its industry peers.
Industry RankSector Rank
ROA -0.57%
ROE -10.78%
ROIC N/A
ROA(3y)-0.37%
ROA(5y)-0.53%
ROE(3y)-6.1%
ROE(5y)-7.37%
ROIC(3y)N/A
ROIC(5y)N/A
CARV Yearly ROA, ROE, ROICCARV Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 -5 -10

1.3 Margins

CARV does not have Profit Margin and Operating Margin and Gross Margin available, so we won't be analyzing them here.
Industry RankSector Rank
OM N/A
PM (TTM) N/A
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3YN/A
GM growth 5YN/A
CARV Yearly Profit, Operating, Gross MarginsCARV Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 -10 -20

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2

2. Health

2.1 Basic Checks

CARV does not have a ROIC to compare to the WACC, probably because it is not profitable.
CARV has more shares outstanding than it did 1 year ago.
The number of shares outstanding for CARV has been increased compared to 5 years ago.
The debt/assets ratio for CARV has been reduced compared to a year ago.
CARV Yearly Shares OutstandingCARV Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 1M 2M 3M 4M 5M
CARV Yearly Total Debt VS Total AssetsCARV Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 200M 400M 600M

2.2 Solvency

A Debt/Equity ratio of 0.00 indicates that CARV is not too dependend on debt financing.
CARV has a better Debt to Equity ratio (0.00) than 88.19% of its industry peers.
Industry RankSector Rank
Debt/Equity 0
Debt/FCF N/A
Altman-Z N/A
ROIC/WACCN/A
WACC17.13%
CARV Yearly LT Debt VS Equity VS FCFCARV Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 20M 40M

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
CARV Yearly Current Assets VS Current LiabilitesCARV Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2017 2020 2021 2022 2023 2024 5M 10M 15M

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3. Growth

3.1 Past

The Earnings Per Share has grown by an impressive 33.06% over the past year.
The Revenue has grown by 9.86% in the past year. This is quite good.
Measured over the past years, CARV shows a small growth in Revenue. The Revenue has been growing by 5.93% on average per year.
EPS 1Y (TTM)33.06%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%-24.55%
Revenue 1Y (TTM)9.86%
Revenue growth 3Y9.85%
Revenue growth 5Y5.93%
Sales Q2Q%-4.1%

3.2 Future

No EPS estimates are available, so we could not analyze the future EPS growth and evolution.
No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next YearN/A
Revenue Next 2YN/A
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

No EPS estimates are available, so we could not analyze the future EPS growth and evolution.
No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.
CARV Yearly Revenue VS EstimatesCARV Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 10M 20M 30M
CARV Yearly EPS VS EstimatesCARV Yearly EPS VS EstimatesYearly EPS VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024

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4. Valuation

4.1 Price/Earnings Ratio

The Price/Earnings Ratio is negative for CARV. In the last year negative earnings were reported.
Industry RankSector Rank
PE N/A
Fwd PE N/A
CARV Price Earnings VS Forward Price EarningsCARV Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 0 0 0 0 0 0 0 0 0 0 0

4.2 Price Multiples

Industry RankSector Rank
P/FCF N/A
EV/EBITDA N/A
CARV Per share dataCARV EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 2 4 6

4.3 Compensation for Growth

PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2YN/A
EPS Next 3YN/A

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5. Dividend

5.1 Amount

CARV does not give a dividend.
Industry RankSector Rank
Dividend Yield N/A

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CARVER BANCORP INC

NASDAQ:CARV (2/21/2025, 8:05:14 PM)

1.725

+0.03 (+1.47%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)02-12 2025-02-12
Earnings (Next)07-14 2025-07-14
Inst Owners8.68%
Inst Owner Change1.51%
Ins Owners8.06%
Ins Owner Change40.35%
Market Cap8.81M
Analysts0
Price TargetN/A
Short Float %0.89%
Short Ratio3.3
Dividend
Industry RankSector Rank
Dividend Yield N/A
Yearly Dividend0
Dividend Growth(5Y)N/A
DP0%
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)N/A
Avg EPS beat(2)N/A
Min EPS beat(2)N/A
Max EPS beat(2)N/A
EPS beat(4)N/A
Avg EPS beat(4)N/A
Min EPS beat(4)N/A
Max EPS beat(4)N/A
EPS beat(8)N/A
Avg EPS beat(8)N/A
EPS beat(12)N/A
Avg EPS beat(12)N/A
EPS beat(16)N/A
Avg EPS beat(16)N/A
Revenue beat(2)N/A
Avg Revenue beat(2)N/A
Min Revenue beat(2)N/A
Max Revenue beat(2)N/A
Revenue beat(4)N/A
Avg Revenue beat(4)N/A
Min Revenue beat(4)N/A
Max Revenue beat(4)N/A
Revenue beat(8)N/A
Avg Revenue beat(8)N/A
Revenue beat(12)N/A
Avg Revenue beat(12)N/A
Revenue beat(16)N/A
Avg Revenue beat(16)N/A
PT rev (1m)N/A
PT rev (3m)N/A
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)N/A
EPS NY rev (3m)N/A
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)N/A
Revenue NY rev (3m)N/A
Valuation
Industry RankSector Rank
PE N/A
Fwd PE N/A
P/S 0.3
P/FCF N/A
P/OCF N/A
P/B 0.22
P/tB 0.22
EV/EBITDA N/A
EPS(TTM)-0.84
EYN/A
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)-1.05
FCFYN/A
OCF(TTM)-0.96
OCFYN/A
SpS5.67
BVpS7.8
TBVpS7.8
PEG (NY)N/A
PEG (5Y)N/A
Profitability
Industry RankSector Rank
ROA -0.57%
ROE -10.78%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) N/A
GM N/A
FCFM N/A
ROA(3y)-0.37%
ROA(5y)-0.53%
ROE(3y)-6.1%
ROE(5y)-7.37%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexcg growth 3YN/A
ROICexcg growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3YN/A
GM growth 5YN/A
F-Score4
Asset Turnover0.04
Health
Industry RankSector Rank
Debt/Equity 0
Debt/FCF N/A
Debt/EBITDA N/A
Cap/Depr 50.91%
Cap/Sales 1.55%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality N/A
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score4
WACC17.13%
ROIC/WACCN/A
Cap/Depr(3y)25.82%
Cap/Depr(5y)47.19%
Cap/Sales(3y)0.93%
Cap/Sales(5y)2.1%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)33.06%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%-24.55%
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)9.86%
Revenue growth 3Y9.85%
Revenue growth 5Y5.93%
Sales Q2Q%-4.1%
Revenue Next YearN/A
Revenue Next 2YN/A
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-397.07%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-347.59%
OCF growth 3YN/A
OCF growth 5YN/A