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CARV · OTC · United States · Savings Institution, Federally Chartered
In shortCARVER BANCORP INC is loss-making.
Financial health
Weak
Built from five areas over the last five annual reports. Tap an area to see the figures behind it. Bank or insurer: tests that do not apply to them are left out.
| Operating marginShare of each sale left after running the business, before interest and tax. | – | n/a |
|---|---|---|
| Net marginShare of each sale left as profit after every cost, interest and tax. | -457.7% | 0/100 |
| Return on equityProfit earned on the money shareholders put in. Above 15% is strong. | -38.2% | 0/100 |
Weight in the score: 25%
| Free cash flow marginCash left from each sale after investments. The money that can pay dividends or reduce debt. | -430.9% | n/a |
|---|---|---|
| Free cash flow / net incomeHow much accounting profit turns into real cash. Near 1 or above is healthy. | – | n/a |
| Years with positive free cash flow (last 5) | 2 of 5 | n/a |
Weight in the score: 20%
| Profitable years (last 5) | 0 of 5 | 0/100 |
|---|---|---|
| Years of revenue decline (last 5) | 1 of 4 | 58/100 |
| Revenue growth volatility | 25.8% | 15/100 |
| Operating margin volatility | – | n/a |
Weight in the score: 20%
| Revenue growth, 3-year average | -15.5% | 0/100 |
|---|---|---|
| EPS growth, 3-year average | – | n/a |
Weight in the score: 10%
Fiscal year 2025 · change vs prior year
Annual figures as reported. Hover a bar or point for the exact value.
5 older years available with the 10-year history. Essential plan, from €8.25/month →
The last 5 fiscal years from the company's annual reports.
USD millions; negative values in parentheses.
| Fiscal year | FY21 | FY22 | FY23 | FY24 | FY25 |
|---|---|---|---|---|---|
| Revenue | 4.2 | 5 | 2.9 | 3 | 3 |
| Selling, general & admin | 0.2 | 0.5 | 0.5 | 0.5 | 0.6 |
| Interest expense | 4.4 | 2.4 | 4.9 | 11 | – |
| Income tax | 0 | 0 | 0 | 0 | 0 |
| Net income | (3.9) | (0.8) | (4.4) | (3) | (14) |
| Diluted EPS | −$1.14 | −$0.24 | −$1.03 | −$0.61 | −$2.65 |
| Diluted shares (millions) | 3.4 | 3.6 | 4.3 | 4.8 | 5.2 |
5 older years available with the 10-year history. Essential plan, from €8.25/month →
The last 8 reported quarters (10-Q and 10-K filings), in USD millions. The fourth quarter is derived from the annual report.
The last 8 quarters of CARVER BANCORP INC are included in the Investor plan. Try free for 7 days →
Not computed: the model does not apply to banks and insurers.
3/9
Nine yes-or-no tests on profitability, debt, liquidity and efficiency versus the prior year. 7 to 9 is strong, 0 to 3 is weak.
All figures: SEC EDGAR. Ratios and scores are computed by Scorvest (see how it works). Information only, not investment advice. How it works
Latest annual report: Sep 30, 2025 · Data updated Nov 13, 2025