CARV - Carver Bancorp Inc Stock Price, Fair Value and News

1.51USD-0.05 (-3.21%)Market Closed

Market Summary

USD1.51-0.05

Market Closed

-3.21%

CARV Stock Price

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CARV RSI Chart

CARV Valuation

Market Cap

7.5M

Price/Earnings (Trailing)

-1.68

Price/Sales (Trailing)

0.24

EV/EBITDA

-1.11

Price/Free Cashflow

-1.33

CARV Price/Sales (Trailing)

CARV Profitability

EBT Margin

-12.87%

Return on Equity

-10.5%

Return on Assets

-0.58%

Free Cashflow Yield

-75.36%

CARV Fundamentals

CARV Revenue

Revenue (TTM)

31.7M

Rev. Growth (Yr)

17.73%

Rev. Growth (Qtr)

5.79%

CARV Earnings

Earnings (TTM)

-4.5M

Earnings Growth (Yr)

101.74%

Earnings Growth (Qtr)

101.2%

Breaking Down CARV Revenue

Last 7 days

-5.6%

Last 30 days

-3.8%

Last 90 days

-12.7%

Trailing 12 Months

-65.7%

How does CARV drawdown profile look like?

CARV Financial Health

Debt/Equity

1.09

Debt/Cashflow

-0.12

CARV Investor Care

Shares Dilution (1Y)

17.96%

Diluted EPS (TTM)

-1

Historical Charts for Stock Metrics

Get all data in R, Python etc through our Historical Stock Data APIs

Net sales

Year	Q1	Q2	Q3	Q4
2023	27.7M	29.1M	30.4M	31.7M
2022	22.9M	23.9M	24.9M	26.4M
2021	20.3M	20.8M	21.5M	21.9M
2020	21.6M	20.8M	20.6M	20.4M
2019	23.2M	22.7M	22.1M	22.0M
2018	24.4M	24.3M	23.9M	23.4M
2017	26.1M	25.4M	25.4M	25.3M
2016	26.6M	27.5M	27.2M	26.5M
2015	22.3M	22.6M	23.6M	25.1M
2014	23.2M	23.4M	23.1M	22.3M
2013	23.8M	23.2M	23.0M	23.1M
2012	27.9M	26.9M	25.5M	24.5M
2011	36.2M	33.9M	32.0M	30.3M
2010	40.5M	39.4M	38.4M	37.3M

Get all data in R, Python etc through our Historical Stock Data APIs

Tracking the Latest Insider Buys and Sells of Carver Bancorp Inc

Filter Transactions

Datesorted ascending	Name	Buy/Sell	$ Value	Avg. Price	# Shares	Title
Feb 27, 2024	mackay craig c	bought	1,670	1.67	1,000	-
Oct 26, 2023	nunn robin l	acquired	-	-	1,000	-
Oct 26, 2023	torres isaac	acquired	-	-	6,000	svp and gc
Oct 26, 2023	maier christina l	acquired	-	-	6,000	cfo
Mar 14, 2023	mackay craig c	bought	1,890	4.2	450	-
Mar 06, 2023	mackay craig c	acquired	2,260	4.52	500	-
Dec 19, 2022	mackay craig c	bought	1,818	4.04	450	-
Sep 14, 2022	mackay craig c	bought	5,400	5.4	1,000	-
Sep 07, 2022	mackay craig c	bought	2,225	4.45	500	-
Apr 26, 2022	jackson pazel g jr	acquired	-	-	5,000	-

Which funds bought or sold CARV recently?

View All Details

Datesorted ascending	Fund Name	Type	% Chg	$ Change	$ Held	% Portfolio
May 01, 2024	CONCOURSE FINANCIAL GROUP SECURITIES, INC.	sold off	-	-	-	-%
May 01, 2024	FORTEM FINANCIAL GROUP, LLC	unchanged	-	-7,920	27,540	0.01%
May 01, 2024	BNP PARIBAS FINANCIAL MARKETS	unchanged	-	-25.00	87.00	-%
Apr 29, 2024	American Capital Advisory, LLC	new	-	399	399	-%
Apr 26, 2024	American Express Co	unchanged	-	-59,358	206,405	0.02%
Apr 16, 2024	CALTON & ASSOCIATES, INC.	reduced	-18.06	-15,866	27,770	0.01%
Apr 15, 2024	ATLAS CAPITAL ADVISORS LLC	sold off	-100	-2,791	-	-%
Mar 11, 2024	VANGUARD GROUP INC	added	0.64	-38,048	402,666	-%
Feb 15, 2024	JANE STREET GROUP, LLC	new	-	22,312	22,312	-%
Feb 14, 2024	SUSQUEHANNA INTERNATIONAL GROUP, LLP	sold off	-100	-24,258	-	-%

Are Funds Buying or Selling CARV?

Are funds buying CARV calls or puts?

Calls

Puts

No. of funds holding Calls - Puts

Net Call Options

No. of funds that own CARV

No. of Funds

Unveiling Carver Bancorp Inc's Major ShareHolders

Date Filed	Name of Filer	Percent of Class	No. of Shares	Form Type
Jul 21, 2023	national community investment fund	8.2%	399,821	SC 13G
Dec 20, 2022	bailey jeffrey john	6.59%	278,524	SC 13D
Dec 12, 2022	dream chasers capital group llc	5.51%	233,000	SC 13D
Dec 12, 2022	winters kevin scott	5.51%	233,000	SC 13D
Dec 12, 2022	herrera shawn paul	5.51%	233,000	SC 13D
Aug 19, 2021	ejf capital llc	4.7%	163,327	SC 13G
Jul 08, 2021	hedgehog capital llc	0.0%	0	SC 13G/A
Jun 14, 2021	hedgehog capital llc	5.0%	153,438	SC 13G
Feb 12, 2021	national community investment fund	4.1%	123,201	SC 13G
Jan 28, 2021	quinn opportunity partners llc	3.9%	117,535	SC 13G/A

Recent SEC filings of Carver Bancorp Inc

View All Filings

Date Filed	Form Type	Document
Feb 28, 2024	4	Insider Trading
Feb 27, 2024	UPLOAD	UPLOAD
Feb 22, 2024	8-K/A	Current Report
Feb 21, 2024	8-K	Current Report
Feb 21, 2024	CORRESP	CORRESP
Feb 14, 2024	10-Q	Quarterly Report
Jan 31, 2024	8-K	Current Report

Peers (Alternatives to Carver Bancorp Inc)

Name	Mkt Capsorted ascending	Revenue	Price %, 1M	Returns, 1Y	P/E	P/S	Rev 1-Yr	Inc 1-Yr
LARGE-CAP
JPM	547.1B	174.7B	-3.92%	42.05%	10.87	3.13	53.11%	19.83%
BAC	291.2B	127.4B	-0.53%	37.98%	11.64	2.29	44.27%	-12.56%
WFC	208.9B	85.8B	4.90%	63.21%	11.13	2.44	35.02%	26.14%
C	117.3B	125.0B	-0.29%	36.99%	14.68	0.94	37.85%	-
CFG	16.2B	10.2B	1.35%	42.41%	10.1	1.59	44.53%	-22.43%
KEY	14.1B	8.1B	-2.10%	67.08%	16.1	1.73	32.15%	-50.93%
MID-CAP
CMA	7.0B	4.2B	-1.32%	70.01%	10.12	1.66	34.68%	-45.96%
ZION	6.5B	3.9B	2.66%	119.02%	9.51	1.64	45.91%	-25.03%
ABCB	3.4B	1.3B	6.52%	67.99%	12.78	2.69	43.24%	-22.35%
ASB	3.3B	1.8B	5.32%	45.11%	20.6	1.8	32.64%	-59.32%
SMALL-CAP
AMNB	497.6M	120.2M	6.68%	49.76%	19.02	4.14	45.65%	-13.98%
ALRS	395.3M	152.4M	-5.17%	46.88%	39.76	2.59	16.94%	-73.84%
AROW	391.6M	162.6M	-0.59%	18.78%	13.02	2.41	25.39%	-38.37%
ACNB	282.2M	96.6M	-4.87%	20.96%	8.91	2.92	11.02%	-11.37%
ASRV	41.8M	60.9M	-2.01%	-14.98%	-12.5	0.69	24.06%	-144.92%

Carver Bancorp Inc News

Latest updates

Carver Bancorp Inc Earnings Report: Key Takeaways & Analysis

Income Statement (Last 12 Months)

Income Statement (Quarterly)
Description	(%) Q/Q	2023Q4	2023Q3	2023Q2	2023Q1	2022Q4	2022Q3	2022Q2	2022Q1	2021Q4	2021Q3	2021Q2	2021Q1	2020Q4	2020Q3	2020Q2	2020Q1	2019Q4	2019Q3	2019Q2	2019Q1	2018Q4
Revenue	5.8%	8,474,000	8,010,000	7,794,000	7,404,000	7,198,000	6,725,000	6,373,000	6,153,000	5,665,000	5,718,000	5,329,000	5,208,000	5,239,000	5,072,000	4,788,000	5,262,000	5,492,000	5,288,000	5,585,000	5,624,000	5,566,000
Operating Expenses	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	950,000	-	-	-	541,000	453,000
EBITDA Margin	-0.5%	0.60	0.60	0.75	0.80	0.83	0.85	0.87	0.86	0.84	0.81	0.77	0.74	0.72	0.71	0.70	-	-	-	-	-	-
Interest Expenses	1.5%	5,481,000	5,399,000	5,502,000	5,729,000	5,743,000	5,503,000	5,814,000	5,578,000	5,072,000	5,164,000	4,652,000	4,328,000	4,139,000	3,874,000	3,546,000	3,951,000	4,029,000	3,844,000	4,172,000	4,179,000	4,096,000
Income Taxes	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Earnings Before Taxes	101.2%	19,000	-1,586,000	-1,421,000	-	-1,089,000	-955,000	-857,000	-	696,000	1,084,000	-2,756,000	-	-1,310,000	-809,000	-812,000	-	-1,436,000	-1,050,000	-1,139,000	-	-1,315,000
EBT Margin	22.5%	-0.13	-0.17	-0.06	-0.07	-0.07	-0.07	-0.08	-0.08	-0.08	-0.09	-0.09	-0.09	-0.09	-0.09	-0.09	-	-	-	-	-	-
Net Income	101.2%	19,000	-1,586,000	-1,421,000	-1,500,000	-1,089,000	-955,000	-857,000	129,000	696,000	1,084,000	-2,756,000	-965,000	-1,310,000	-809,000	-812,000	-1,798,000	-1,436,000	-1,050,000	-1,139,000	-1,540,000	-1,349,000
Net Income Margin	23.0%	-0.14	-0.18	-0.17	-0.16	-0.10	-0.04	0.04	-0.04	-0.09	-0.18	-0.28	-0.19	-0.23	-0.24	-0.24	-	-	-	-	-	-
Free Cashflow	159.8%	3,230,000	-5,405,000	-1,775,000	-1,723,000	966,000	-164,000	-9,817,000	11,580,000	216,000	-459,000	-4,377,000	6,601,000	-4,527,000	-15,593,000	15,475,000	-	-	-	-	-	-

Balance Sheet

(In Millions)

(*) denotes actual numbers (not divided by Millions)
Balance Sheet																					(In Millions)
Description	(%) Q/Q	2023Q4	2023Q3	2023Q2	2023Q1	2022Q4	2022Q3	2022Q2	2022Q1	2021Q4	2021Q3	2021Q2	2021Q1	2020Q4	2020Q3	2020Q2	2020Q1	2019Q4	2019Q3	2019Q2	2019Q1	2018Q4
Assets	4.4%	775	743	712	723	712	756	691	735	723	707	683	677	686	673	671	579	569	587	572	564	590
Cash Equivalents	44.1%	75.00	52.00	42.00	43.00	44.00	96.00	43.00	61.00	66.00	79.00	79.00	76.00	80.00	71.00	114	48.00	38.00	38.00	33.00	31.00	40.00
Net PPE	-5.3%	3.00	3.00	3.00	3.00	3.00	3.00	4.00	4.00	4.00	4.00	4.00	5.00	5.00	5.00	5.00	5.00	6.00	5.00	5.00	5.00	5.00
Liabilities	4.2%	733	703	669	678	667	709	640	680	665	651	631	624	640	626	624	530	519	536	520	517	543
Long Term Debt	0.0%	47.00	47.00	51.00	51.00	31.00	56.00	26.00	16.00	16.00	22.00	34.00	37.00	42.00	42.00	42.00	14.00	26.00	34.00	15.00	21.00	13.00
Shareholder's Equity	7.7%	43.00	40.00	43.00	45.00	45.00	46.00	51.00	55.00	58.00	56.00	52.00	52.00	46.00	46.00	47.00	49.00	50.00	51.00	52.00	47.00	48.00
Retained Earnings	0.0%	-51.56	-51.58	-49.99	-47.90	-46.40	-45.31	-44.36	-43.50	-43.63	-44.33	-45.41	-42.66	-41.69	-40.38	-53.10	-52.28	-50.49	-49.05	-48.00	-52.20	-50.66
Additional Paid-In Capital	0.6%	87.00	86.00	85.00	83.00	83.00	83.00	83.00	82.00	79.00	77.00	76.00	75.00	73.00	72.00	56.00	55.00	56.00	56.00	56.00	56.00	56.00
Shares Outstanding	1.4%	5.00	5.00	5.00	4.00	4.00	4.00	4.00	4.00	4.00	4.00	3.00	3.00	3.00	3.00	4.00	-	-	-	-	-	-
Float	-	-	-	-	-	-	17.00	-	-	-	62.00	-	-	-	-	-	-	-	-	-	-	-

Cashflow (Last 12 Months)

(In Thousands)

(*) denotes actual numbers (not divided by Thousands)
Cashflow (Quarterly)																					(In Thousands)
Description	(%) Q/Q	2023Q4	2023Q3	2023Q2	2023Q1	2022Q4	2022Q3	2022Q2	2022Q1	2021Q4	2021Q3	2021Q2	2021Q1	2020Q4	2020Q3	2020Q2	2020Q1	2019Q4	2019Q3	2019Q2	2019Q1	2018Q4
Cashflow From Operations	162.2%	3,301	-5,306	-1,709	-1,666	1,011	-91.00	-9,767	11,591	263	-423	-4,279	6,673	-4,488	-15,554	15,581	-2,482	896	-2,571	4,126	-5,277	-873
Share Based Compensation	-97.7%	1.00	44.00	175	71.00	-	-	20.00	-	24.00	72.00	26.00	-	2.00	1.00	33.00	-44.00	4.00	1.00	1.00	1.00	2.00
Cashflow From Investing	29.9%	-12,624	-18,014	8,115	-10,876	-10,521	-15,821	21,956	-23,962	-28,207	-25,623	-1,287	-3,325	-16,801	-28,367	-28,491	-41.00	15,393	-8,728	9,100	21,253	3,777
Cashflow From Financing	-4.3%	32,364	33,818	-7,267	11,182	-42,123	68,076	-29,826	7,660	14,543	26,449	8,702	-7,308	29,907	1,159	79,065	12,330	-16,785	16,933	-11,859	-24,821	-23,360
Buy Backs	-	-	-	-	-	-	-	-	-	-	-	-	-	-	2,500	-	-	-	-	-	-	-

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CARV Income Statement

2023-12-31

Consolidated Statements of Operations - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Dec. 31, 2023	Dec. 31, 2022	Dec. 31, 2023	Dec. 31, 2022
Interest income:
Loans	$ 7,336	$ 6,380	$ 21,203	$ 18,362
Mortgage-backed securities	145	150	439	465
Investment securities	289	273	835	639
Money market investments	704	395	1,801	830
Total interest income	8,474	7,198	24,278	20,296
Interest expense:
Deposits	2,387	1,128	6,112	2,366
Advances and other borrowed money	606	327	1,784	870
Total interest expense	2,993	1,455	7,896	3,236
Net interest income	5,481	5,743	16,382	17,060
Financing Receivable, Excluding Accrued Interest, Credit Loss Expense (Reversal)	(97)		77
(Recovery of) provision for credit losses		305		89
Net interest income after (recovery of) provision for credit losses	5,578	5,438	16,305	16,971
Non-interest income:
Depository fees and charges	543	561	1,678	1,669
Loan fees and service charges	101	72	357	329
Gain on sale of loans, net	0	107	0	107
Grant income	1,401	162	2,003	324
Other	490	90	715	371
Total non-interest income	2,535	992	4,753	2,800
Non-interest expense:
Employee compensation and benefits	3,452	3,239	10,097	9,725
Net occupancy expense	1,147	1,135	3,428	3,394
Equipment, net	470	593	1,534	1,633
Data processing	757	639	2,265	1,903
Consulting fees	133	86	370	400
Federal deposit insurance premiums	132	102	415	292
Other	2,003	1,725	5,937	5,325
Total non-interest expense	8,094	7,519	24,046	22,672
Income (loss) before income taxes	19	(1,089)	(2,988)	(2,901)
Income tax expense	0	0	0	0
Net income (loss)	$ 19	$ (1,089)	$ (2,988)	$ (2,901)
Earnings (loss) per common share:
Earnings (loss) per Share, Basic (in dollars per share)	$ 0	$ (0.25)	$ (0.63)	$ (0.68)
Earnings (loss) per Share, Diluted (in dollars per share)	$ 0	$ (0.25)	$ (0.63)	$ (0.68)

About Carver Bancorp Inc

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 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. Carver Bancorp, Inc. was founded in 1948 and is headquartered in New York, New York.

CEO	Mr. Michael T. Pugh
WEBSITE	carverbank.com
INDUSTRY	Banks Diversified
EMPLOYEES	108

Carver Bancorp Inc Frequently Asked Questions

What is the ticker symbol for Carver Bancorp Inc? What does CARV stand for in stocks?

CARV is the stock ticker symbol of Carver Bancorp Inc. Every public company that trades on a stock exchange gets a ticker symbol.

What is the market capital of Carver Bancorp Inc (CARV)?

As of Fri May 03 2024, market cap of Carver Bancorp Inc is 7.53 Million. The market capitalization is calculated by multiplying the stock price with the number of shares outstanding.

What is the fair value of CARV stock?

You can check CARV's fair value in chart for subscribers.

What is the fair value of CARV stock?

You can check CARV's fair value in chart for subscribers. The fair value of Carver Bancorp Inc is provided for various growth and macro-economic scenarios from very pessimiatic to very optimistic assumptions. These fair values are estimates from Grufity's Fair Value model based on company's past performance. However, past performance of Carver Bancorp Inc is no guarantee of future performance. These fairvalue estimates should only be used as one of the inputs in your stock analysis. We provide model's historical fair value estimates for CARV so that you know how good or bad the model has been in the past so you can discard it if needed. There are others that provide fair values of stocks such as wallmine, finbox, gurufocus and finviz. Most provide point in time estimates. We provide a history of our models fair value estimates so that you can get a sense of it's usefulness. Otherwise this data point is of little use.

Is Carver Bancorp Inc a good stock to buy?

The fair value guage provides a quick view whether CARV is over valued or under valued. Whether Carver Bancorp Inc is cheap or expensive depends on the assumptions which impact Carver Bancorp Inc's fair value. We provide several scenarios of inflation and growth to encompass these range of assumptions for CARV.

What is Carver Bancorp Inc's Price to Earnings (PE) and Price to sales (PS) ratio?

As of Fri May 03 2024, CARV's PE ratio (Price to Earnings) is -1.68 and Price to Sales (PS) ratio is 0.24. The price to earnings and price to sales ratio are two most important valuation metrics for any company. PE ratio tell us the number of years of earnings investors are ready to pay for owning the company. Historically, S&P500 price to earnings ratio has fallen below 12 during periods of gloom and gone past 30 during periods of euphoria. CARV PE ratio will change depending on the future growth rate expectations of investors.

What is 5 year return on Carver Bancorp Inc's stock?

In the past 10 years, Carver Bancorp Inc has provided -0.18 (multiply by 100 for percentage) rate of return.