Stocktoria

CARVER BANCORP INC CARV

OTC · stock · Savings Institution, Federally Chartered · website · IPO 1994-10-25

CARVER BANCORP INC statistics & valuation

Market cap$6.7M
P / S2.2×
P / B0.2×
Net margin-457.7%
Return on equity-46.5%
FCF margin-430.9%
Net cash$30.1M
Enterprise value USD-$23.4M

Market cap as of 2026-07-01. Multiples are price-derived and refreshed daily; everything else from the latest financial reports.

Profitability & efficiency

Net margin (%)
-92.70% -17.00% -151.80% -100.60% -457.70% 2016201720182019202020212022202320242025
Gross margin (%)
2016201720182019202020212022202320242025
Operating margin (%)
2016201720182019202020212022202320242025
Return on equity (%)
-5.30% -6.00% 10.30% -12.60% -11.10% -7.40% -1.50% -9.70% -7.00% -46.50% 2016201720182019202020212022202320242025
Shares outstanding
3.7M 3.7M 3.7M 3.7M 3.7M 3.4M 4.2M 4.3M 5.1M 5.2M 2016201720182019202020212022202320242025
Net debt ($)
-$45.1M -$1.6M -$12.6M -$30.1M 2016201720182019202020212022202320242025
Share buybacks ($)
2016201720182019202020212022202320242025
Return on assets (%)
-0.40% -0.40% 0.80% -1.10% -0.90% -0.60% -0.10% -0.60% -0.40% -1.90% 2016201720182019202020212022202320242025
Free cash flow margin (%)
46.50% 139.70% -370.40% -234.30% -430.90% 2016201720182019202020212022202320242025
Debt / equity (×)
0.29× 0.90× 1.10× 0.68× 2016201720182019202020212022202320242025
EPS ($)
-$0.48 -$0.77 $0.58 -$1.60 -$1.47 -$1.14 -$0.24 -$1.03 -$0.61 -$2.65 2016201720182019202020212022202320242025

Margins and returns computed from annual filings. Falling shares outstanding = buybacks; rising = dilution. Net debt = debt − cash (negative = net cash).

Key ratios (by fiscal year)

RatioFY2025FY2024FY2023FY2022FY2021FY2020FY2019FY2018FY2017FY2016
Net margin-457.7%-100.6%-151.8%-17.0%-92.7%—————
FCF margin-430.9%-234.3%-370.4%139.7%46.5%—————
Return on assets-1.9%-0.4%-0.6%-0.1%-0.6%-0.9%-1.1%0.8%-0.4%-0.4%
Return on equity-46.5%-7.0%-9.7%-1.5%-7.4%-11.1%-12.6%10.3%-6.0%-5.3%
Debt / equity0.68×1.10×0.90×0.29×——————

Computed from company filings · US · as of 2025-03-31. Facts plus Stocktoria's own computed scores — not investment advice.