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Carver Bancorp, Inc.

CARV Financial Banks Regional

Carver Bancorp, Inc.’s revenue for fiscal 2026 (year ended March 2026) was $40.7 million, up 8.80% from fiscal 2025.

Revenue
−7.35%
EPS
−31.8%
Free cash flow
−29.1%
Total debt
+85.1%

Quarter to June 2026, against a year earlier

1.85 0.00 0.00%
Market cap
$6.3M
P/E
0.0×
Fwd P/E
−29.2×
Dividend yield
—
F-score
5/9
Altman Z
n/a
Beneish M
n/a
Dividend safety
n/a
Overview
Financials
Income Statement Balance Sheet Cash Flow Metrics & Ratios

Insider Decisions last twelve months

Trades a month
Jan 26 Apr 26 Jul 26 Oct 26
Buy — — — — — — — — — — — —
Sell — — — — — — — — — — — —
Insider Ownership 47.65%

Capital & Financial Ratios $m

Size
Market Cap 6.29
Revenue ttm 39.89
Net income ttm (5.67)
Free cash flow ttm (9.72)
Net debt Q (1.34)
Valuation
P/E 0.00
Forward P/E (29.20) (negative: loss-making)
Price / sales 0.29
Forward P/S Powerpack
Price / FCF 0.00
Price / book 6.84
Financial health
Current ratio Q 1.03
Debt / equity Q 1.69
Interest coverage Q —
Growth
Revenue growth Q −7.35% (below 0%: shrinking)
Operating income growth Q −52.51% (below 0%: shrinking)
EPS, this year —
EPS, next year A —
Revenue, next year A +26.01% (at or above 10%: strong)
EPS, past 5 yrs —
EPS, next 5 yrs A —

Green and red mark values outside typical ranges; (Q) is the latest quarter, (A) analysts’ estimates. How we judge →

Valuation vs history

P/S against its own 10 years 30.10%
10-year low 10-year high
P/B against its own 10 years 93.72%
10-year low 10-year high

Dividends

Yield
—
Annual rate
—
Payout ratio
—

Assets vs Liabilities $m

2024 2025 2026 Q'26
Cash 59 50 46 41
Receivables — — — —
Inventory — — — —
Other — — — —
680 661 606 589
2024 2025 2026 Q'26
Payables 647 662 580 572
ST’ Debt — — — —
Other — — — —
647 662 580 572

Compound Annual Growth %

10y 5y 3y
Sales 2.24% 8.93% 9.12%
Cash Flow 0.00% 0.00% 0.00%
Earnings 0.00% 0.00% 0.00%
Book Value (7.16%) (13.94%) (18.28%)

EPS $

Jun Sep Dec Mar Year
’26 (0.29) — — — —
’26 (0.22) (0.46) (0.32) (0.29) (1.29)
’25 (0.43) (0.41) (1.09) (0.72) (2.65)
’24 (0.32) (0.33) 0.00 0.01 (0.61)
’23 (0.20) (0.22) (0.25) (0.35) (1.03)
’22 (0.81) 0.12 0.13 0.25 (0.24)
’21 (0.22) (0.21) (0.44) (0.27) (1.14)
Fiscal quarters ending in the months shown.

Revenue $m

Jun Sep Dec Mar Year
’26 10 — — — —
’26 10 10 10 10 41
’25 10 10 8 9 37
’24 9 9 11 12 41
’23 7 8 8 8 31
’22 7 9 7 7 30
’21 6 7 6 7 27
Fiscal quarters ending in the months shown.

Operating Cash Flow $m

Jun Sep Dec Mar Year
’26 — — — — —
’26 0 (2) — (1) (1)
’25 (2) (3) (1) (6) (13)
’24 (2) (5) 3 (3) (7)
’23 (10) 0 1 (2) (11)
’22 (4) 0 0 12 7
’21 16 (16) (4) 7 2
Fiscal quarters ending in the months shown.

Free Cash Flow $m

Jun Sep Dec Mar Year
’26 — — — — —
’26 0 (2) — (1) (1)
’25 (3) (3) (1) (6) (13)
’24 (2) (5) 3 (3) (7)
’23 (10) 0 1 (2) (11)
’22 (4) 0 0 12 7
’21 15 (16) (5) 7 2
Fiscal quarters ending in the months shown.

Target Price Range

Analyst price targets

Recommendation Rating

1Buy 2 3Hold 4 5Sell

Ten years at a glance Fiscal years to March

Ten-year view Analyst estimates Powerpack
Group Line 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 TTM Jun ’26 Trend 10 yrs 2027e 2028e 2029e Next 3/yr
Income, $m
Income, $m Revenue 31 39 28 25 27 30 31 41 37 41 40 +3.2% — — — —
Gross margin, % 84.00 86.36 77.97 77.80 83.32 92.06 84.31 71.88 59.51 67.16 68.30 (16.8) pt
EBT (3) 5 (6) (5) (4) (1) (4) (3) (14) (7) (7) +10.7%
EBT margin, % (8.89) 13.74 (21.29) (21.38) (14.70) (2.80) (14.06) (7.31) (36.78) (16.84) (18.71) (7.9) pt
Net income (3) 5 (6) (5) (4) (1) (4) (3) (14) (7) (6) +10.2%
Per share, $
Per share, $ Revenue 8.32 10.47 7.54 6.86 7.76 8.42 7.32 8.41 7.21 7.66 6.44 (0.9%)
Earnings (0.77) 0.58 (1.61) (1.47) (1.23) (0.24) (1.03) (0.61) (2.65) (1.29) (1.36) +5.9%
Cash flow 0.22 (1.35) (2.37) (0.01) 0.65 1.99 (2.46) (1.36) (2.43) (0.20) 0.00 n/m
Capex (0.07) 4.47 (0.78) (0.35) (0.07) (0.05) (0.05) (0.07) (0.06) (0.07) 0.00 (0.6%)
Free cash flow 0.15 3.12 (3.15) (0.36) 0.57 1.94 (2.51) (1.43) (2.50) (0.27) 0.00 n/m
Book value 12.82 14.05 12.75 13.22 15.32 15.35 10.57 8.73 5.71 4.65 3.78 (10.7%)
Shares, m 4 4 4 4 3 4 4 5 5 5 6 +4.1%
Valuation, ×
Valuation, × P/E 0.00 11.83 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 1.2
P/S 0.44 0.26 0.48 0.28 1.17 0.83 0.55 0.18 0.20 0.20 0.29 0.5
P/B 5.93 1.47 6.63 1.85 1.17 0.86 0.86 0.37 0.93 2.70 6.84 2.3
EV/Sales 0.13 (2.22) 0.13 (1.06) (0.28) (0.66) 0.82 (0.12) (0.61) 0.18 — (0.4)
EV/FCF 7.01 (7.46) (0.31) 20.48 (3.76) (2.87) (2.38) 0.72 1.76 (0.74) — 1.2
Cash, $m
Cash, $m Operating cash flow 1 (5) (9) 0 2 7 (11) (7) (13) (1) (9) n/m
Capex 0 17 (3) (1) 0 0 0 0 0 0 (1) +3.5%
Free cash flow 1 12 (12) (1) 2 7 (11) (7) (13) (1) (10) n/m
Balance, $m
Balance, $m Working capital 23 22 (23) (15) 0 9 37 33 (1) 26 17 +1.4%
Net debt (10) (96) (10) (34) (38) (45) 9 (12) (30) (1) (1) (25.0%)
Shareholders’ equity 47 52 47 49 52 55 45 42 30 25 23 (7.0%)
Returns, %
Returns, % ROA (0.40) 0.31 (0.94) (0.95) (0.62) (0.12) (0.60) (0.40) (1.85) (0.98) (1.09) (0.6) pt
ROIC (4.52) 0.00 (9.94) (22.71) (17.48) (5.28) (5.12) (6.24) 0.00 (17.85) (21.13) (13.3) pt
ROE (63.11) 47.04 (133.83) (187.19) (25.72) (3.04) (17.96) (14.73) (96.72) (126.82) (176.08) (63.7) pt
People
People Employees 129 123 114 107 104 107 110 113 109 — — (2.1%)
Revenue/emp, $m 0.24 0.31 0.24 0.24 0.25 0.28 0.28 0.36 0.34 0.00 — n/m
Negative figures in brackets.
estimates

All 10 years →

Fiscal years to Mar 2026 · latest quarter Jun 2026

Carver Bancorp, Inc. vs peers in Banks Regional (Q) = latest quarter vs a year earlier

Company Market cap P/E Fwd P/E Revenue growth (Q) EPS growth (Q) FCF growth (Q) Gross margin (Q) EBIT margin (Q) Compare
HFBL Home Federal Bancorp, Inc. of Louisiana $69.3M 11.3× — +10.29% (above 0%: growing) +23.08% (above 0%: growing) +210.53% (above 0%: growing) 70.94% 0.00% Compare
CULL Cullman Bancorp, Inc. $65.2M 32.5× 19.5× +8.86% (above 0%: growing) −26.67% (below 0%: shrinking) −90.89% (below 0%: shrinking) 71.49% 0.00% Compare
BCOW 1895 Bancorp of Wisconsin Inc. $57.9M 66.4× — (loss-making) +1.53% (above 0%: growing) n/m +993.81% (above 0%: growing) 64.21% 0.00% Compare
TCBS Texas Community Bancshares, Inc. $49.9M 13.6× 26.5× +8.29% (above 0%: growing) +54.17% (above 0%: growing) −4.04% (below 0%: shrinking) 67.29% 0.00% Compare
MBBC Marathon Bancorp, Inc. $43.4M 21.3× — +17.92% (above 0%: growing) n/m +110.20% (above 0%: growing) 70.72% 0.00% Compare
KFFB Kentucky First Federal Bancorp $43.2M 24.1× — +7.22% (above 0%: growing) +300.00% (above 0%: growing) +650.00% (above 0%: growing) 59.33% 0.00% Compare
GLBZ Glen Burnie Bancorp $12.3M — (loss-making) — +20.16% (above 0%: growing) n/m +156.64% (above 0%: growing) 72.37% 0.00% Compare
CARV Carver Bancorp, Inc. $6.3M — (loss-making) — (loss-making) −7.35% (below 0%: shrinking) n/m −29.05% (below 0%: shrinking) 70.53% 0.00%
SHFS SHF Holdings, Inc. $1.6M — (loss-making) — +4.84% (above 0%: growing) n/m −160.21% (below 0%: shrinking) 100.00% (53.05%) Compare
Median of peers $46.6M 22.7× — +8.57% +38.63% +133.42% 70.83% 0.00%

All 328 Banks Regional stocks →

Pay and ownership Proxy statement filed 28 July 2023

Ownership

Directors and executive officers, together 1.32%
National Community Investment Fund 8.17%
Jeffrey John Bailey 5.69%
Ownership is the proxy’s own table: the directors and officers as a group, and every holder of 5% or more. Read the proxy statement

Carver Bancorp, Inc. (CARV) Latest News

3 Aug

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23 Mar

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16 Mar

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13 Mar

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stockrow.com/CARV · Data as of Jun 30, 2026 · For information only; not investment advice. · © 2026 stockrow.com