Carver Bancorp, Inc. (CARV) vs SHF Holdings, Inc. (SHFS)

Carver Bancorp, Inc. and SHF Holdings, Inc. are both Banks Regional companies. Carver Bancorp, Inc. is the larger, with a market value of $6.3M against $2.1M — 3.1× the size. Carver Bancorp, Inc. grew revenue faster over the last twelve months: 5.17% against −28.6%. Carver Bancorp, Inc. has the higher net margin (−18.7% vs −64.1%) and the higher return on invested capital (−21.1% vs −879.5%). Across the 18 metrics below, Carver Bancorp, Inc. leads on 11 and SHF Holdings, Inc. on 7.

Valuation

Metric CARV SHFS Banks Regional median
P/E n/m n/m 12.15
P/S 0.27 0.14 2.37
P/B 6.36 0.18 1.21
Price to free cash flow n/m n/m 10.80
EV/EBITDA n/m n/m —
EV/Sales 0.23 0.78 2.27
Earnings yield (79.07%) (618.75%) 8.11%
Free cash flow yield (91.32%) (419.03%) 8.98%

Profitability

Metric CARV SHFS Banks Regional median
Gross margin 68.30% 100.00% 69.57%
Operating margin 0.00% (66.95%) 0.00%
Net margin (18.71%) (64.13%) 18.66%
Free cash flow margin 0.00% (56.83%) 21.18%
Return on equity (176.08%) 85.14% 10.64%
Return on assets (1.09%) (49.79%) 1.13%
Return on invested capital (21.13%) (879.51%) 8.33%

Growth

Metric CARV SHFS Banks Regional median
Revenue growth (TTM) 5.17% (28.59%) 6.61%
EPS growth (last fiscal year) 51.32% 95.30% —
Revenue growth, 5-year CAGR 8.93% 1.84% 12.30%
Net income growth, 5-year CAGR 0.00% 0.00% 9.71%

Health

Metric CARV SHFS Banks Regional median
Debt to equity 1.69 0.00 0.22
Current ratio 1.03 1.76 0.94
Net debt to EBITDA 0.00 1.30 0.00

Dividend

Metric CARV SHFS Banks Regional median
Dividend yield — — 3.75%
Payout ratio 0.00 — 0.27

Size

Metric CARV SHFS Banks Regional median
Market cap 6.29m 2.06m 921.07m

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