What is CARVER BANCORP INC's earnings per share (EPS)?

CARVER BANCORP INC (CARV) reported diluted earnings per share of -$2.65 for fiscal year 2025. The change from the previous fiscal year is not meaningful, because that year’s figure was zero or negative. EPS represents the portion of a company's net income allocated to each outstanding share of common stock and is widely used to evaluate profitability on a per-share basis.

CARVER BANCORP INC (CARV) Financials

CARV

Trailing 12 months to September 30, 2025

Revenue $22.7M -21.5% YoY

Net Income -$13.0M n/m YoY

EPS (Diluted) -$2.49 n/m YoY

Free Cash Flow -$9.4M n/m YoY

Market Cap $10.8M as of Oct 23, 2026

Price / Sales 0.5x on $22.7M revenue, trailing 12 months to September 30, 2025

Price / Earnings n/m net loss, so no earnings multiple, trailing 12 months to September 30, 2025

Price / Book 0.4x on $26.9M equity, Q2 FY2026

A multiple compares the market's price with a filed figure; it says what the market pays, not how the business is doing. The market capitalization is the vendor's as of Oct 23, 2026; every other figure is from the SEC filings on this page. Not financial advice.

Source SEC Filings (10-K/10-Q) Latest period Q2 FY2026, ended Sep 30, 2025 Reported Nov 13, 2025 Currency USD FYE March

Newest figures come from the 10-Q for Q2 FY2026, filed Nov 13, 2025. Each column of the statement tables below links to the filing it was taken from, and every filing is listed on the CARV SEC filings page.

CARVER BANCORP INC (CARV) reported $22.7M in revenue over the twelve months to Sep 30, 2025, down 21.5% from the prior twelve months. This page shows its income statement, balance sheet, cash flow statement, and key financial ratios. View 15 years of annual fundamentals and quarterly data, with year-over-year growth rates and compound annual growth rates (CAGR). All figures are derived from SEC filings (10-K and 10-Q reports).

Rhea AI CARV FY2025 2026-10-22

Carver’s latest losses reflect a financing squeeze: interest costs rose while revenue fell, eroding equity faster than assets.

From FY2022 to FY2025, revenue fell 20.1% while interest expense rose 530.7%, making financing costs the clearest pressure point behind the weaker earnings profile. Assets fell only 0.7% over that span, so the deterioration was not simply a shrinking balance sheet.

FY2025’s net loss of $13.7M and operating cash flow of -$12.6M broadly agree, so the reported loss was accompanied by cash leaving the business rather than being mainly an accrual effect. Free cash flow of -$12.9M against capital expenditures of $331K shows the shortfall was operational, not primarily a reinvestment burden.

Liabilities were 95.9% of assets in FY2025, and equity was $29.6M, leaving a thin capital cushion. The liabilities-to-equity ratio rose from 16.9x to 23.7x, meaning the thinner equity base drove worsening balance-sheet leverage. Equity fell 30.1% while assets fell 3.5%, indicating losses did most of the balance-sheet damage rather than a broad asset wind-down.

Financial Health Signals

Financial health score not available

CARVER BANCORP INC does not currently provide enough eligible data for a peer-relative financial health score, so none is published. The signals and metrics below are current.

Piotroski F-Score Partial

3/7

CARVER BANCORP INC passes 3 of 7 computable financial strength tests (2 of the nine could not be computed from available data). 1 of 4 profitability signals pass, all 2 leverage/liquidity signals pass, the one computable operating efficiency signal (asset turnover improving) does not pass.

Key Financial Metrics

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Earnings & Revenue

Revenue

$6.4M

YoY-3.0%

QoQ-7.6%

5Y CAGR+1.8%

10Y CAGR-0.2%

CARVER BANCORP INC generated $6.4M in revenue in Q2 2026. This represents a decrease of 3.0% from the same quarter a year earlier. Against the prior quarter it is down 7.6%.

Net Income

-$2.4M

YoYn/m

QoQn/m

5Y CAGRn/m

10Y CAGRn/m

CARVER BANCORP INC reported a net loss of $2.4M in Q2 2026. The change from the same quarter a year earlier is not meaningful, because that figure was zero or negative. The change from the prior quarter is not meaningful, because that quarter’s figure was zero or negative.

EPS (Diluted)

-$0.46

YoYn/m

QoQn/m

CARVER BANCORP INC earned -$0.46 per diluted share (EPS) in Q2 2026. The change from the same quarter a year earlier is not meaningful, because that figure was zero or negative. The change from the prior quarter is not meaningful, because that quarter’s figure was zero or negative.

EBITDA

Not reported for Q2 2026.

Cash & Balance Sheet

Free Cash Flow

-$1.7M

YoYn/m

QoQn/m

5Y CAGRn/m

CARVER BANCORP INC recorded an outflow of $1.7M in free cash flow in Q2 2026, representing a cash shortfall after capex. The change from the same quarter a year earlier is not meaningful, because that figure was zero or negative. The change from the prior quarter is not meaningful, because that quarter’s figure was zero or negative.

Cash & Debt

$40.7M

YoY-25.3%

QoQ-7.0%

5Y CAGR-10.5%

10Y CAGR-3.4%

CARVER BANCORP INC held $40.7M in cash as of Q2 2026; no long-term debt figure is on record for that period.

Shares Outstanding

YoY-0.3%

QoQ+0.4%

CARVER BANCORP INC had 5M shares outstanding in Q2 2026. This represents a decrease of 0.3% from the same quarter a year earlier. Against the prior quarter it is up 0.4%.

Dividends Per Share

Not reported for Q2 2026.

Margins & Returns

Net Margin

-38.1%

YoY-6.0pp

QoQ-21.1pp

5Y change-24.3pp

10Y change-29.5pp

CARVER BANCORP INC's net profit margin was -38.1% in Q2 2026, showing the share of revenue converted to profit. This is down 6.0 percentage points from the same quarter a year earlier. Against the prior quarter it is down 21.1 percentage points.

Return on Equity

-9.0%

YoY-3.7pp

QoQ-4.9pp

5Y change-7.3pp

10Y change-8.0pp

CARVER BANCORP INC's quarterly ROE was -9.0% in Q2 2026: one quarter's net income over shareholder equity, not annualized. This is down 3.7 percentage points from the same quarter a year earlier. Against the prior quarter it is down 4.9 percentage points.

Gross Margin

Not reported for Q2 2026.

Operating Margin

Not reported for Q2 2026.

Capital Allocation

Capital Expenditures

$116K

YoY+9.4%

QoQ-31.0%

5Y CAGR+24.4%

10Y CAGR-0.2%

CARVER BANCORP INC invested $116K in capex in Q2 2026, funding long-term assets and infrastructure. This represents an increase of 9.4% from the same quarter a year earlier. Against the prior quarter it is down 31.0%.

R&D Spending

Not reported for Q2 2026.

Share Buybacks

Not reported for Q2 2026.

CARV Income Statement

Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.

CARV quarterly income statement

Metric	TTM	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K	FY1210-K	FY1110-K
Revenue	$22.7M	$22.2M-24.1%	$29.3M+11.0%	$26.4M-5.2%	$27.8M+26.0%	$22.1M+11.9%	$19.7M-9.2%	$21.7M-35.0%	$33.4M+29.5%	$25.8M-7.7%	$28.0M+16.8%	$24.0M-8.2%	$26.1M+0.6%	$26.0M+10.3%	$23.5M-31.0%	$34.1M
SG&A Expenses	N/A	$596K+23.9%	$481K-4.8%	$505K0.0%	$505K+215.6%	$160K-34.4%	$244K-41.3%	$416K-48.1%	$801K	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Operating Income	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	-$170Kn/m	-$272Kn/m	-$836K-226.3%	$662Kn/m	-$23.4Mn/m	-$39.5M
EBITDA	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	$1.2M+59.6%	$780K+221.0%	$243K-86.8%	$1.8Mn/m	-$22.0Mn/m	-$37.9M
Interest Expense	$14.6M	$15.1M+32.1%	$11.5M+133.3%	$4.9M+104.7%	$2.4M-45.7%	$4.4M-21.5%	$5.6M-8.3%	$6.1M+16.3%	$5.3M+7.4%	$4.9M+6.8%	$4.6M+16.8%	$3.9M-0.2%	$4.0M-19.0%	$4.9M-39.4%	$8.1M-14.8%	$9.5M
Income Tax	$0	$0n/m	$0n/m	$0n/m	$0n/m	$0n/m	$0n/m	$0n/m	-$33K-127.7%	$119K-7.0%	$128K-22.9%	$166K+62.7%	$102K-68.9%	$328Kn/m	-$961K-106.1%	$15.7M
Net Income	-$13.0M	-$13.7Mn/m	-$3.0Mn/m	-$4.4Mn/m	-$847Kn/m	-$3.9Mn/m	-$5.4Mn/m	-$5.9M-210.9%	$5.4Mn/m	-$2.9Mn/m	-$2.9Mn/m	-$272Kn/m	-$836K-226.3%	$662Kn/m	-$23.4Mn/m	-$39.5M
EPS (Basic)	N/A	-$2.65n/m	-$0.61n/m	-$1.03n/m	-$0.24n/m	-$1.14n/m	-$1.47n/m	-$1.60	$0.58	-$0.77	-$0.48	-$0.07n/m	-$0.23-227.8%	$0.18	-$14.26	-$242.25
EPS (Diluted)	-$2.49	-$2.65n/m	-$0.61n/m	-$1.03n/m	-$0.24n/m	-$1.14n/m	-$1.47n/m	-$1.60	$0.58	-$0.77	-$0.48	-$0.07n/m	-$0.23-227.8%	$0.18	-$14.26	N/A
Diluted Shares (Avg)	N/A	5M+7.0%	5M+13.3%	4M+19.2%	4M+5.1%	3M-7.7%	4M0.0%	4M	4M	4M	4M	4M0.0%	4M0.0%	4M	2M	166

Metric	Q2'2610-Q	Q1'2610-Q	Q4'2510-K	Q3'2510-Q	Q2'2510-Q	Q1'2510-Q	Q4'2410-K	Q3'2410-Q
Revenue	$6.4M-3.0%	$6.9M+11.3%	$5.5M-32.4%	$3.9M-50.8%	$6.6M-4.1%	$6.2M-0.8%	$8.1M+24.9%	$8.0M+19.0%
Interest Expense	$3.4M-10.3%	$3.6M-3.8%	$3.7M+4.1%	$3.9M+30.0%	$3.8M+46.7%	$3.7M+61.6%	$3.6M+112.7%	$3.0M+105.7%
Income Tax	$0n/m	$0n/m	$0n/m	$0n/m	$0n/m	$0n/m	$0n/m	$0n/m
Net Income	-$2.4Mn/m	-$1.2Mn/m	-$3.8M-34381.8%	-$5.6M-29826.3%	-$2.1Mn/m	-$2.2Mn/m	$11Kn/m	$19Kn/m
EPS (Basic)	-$0.46n/m	-$0.22n/m	-$0.72	-$1.09n/m	-$0.41n/m	-$0.43n/m	$0.02	$0.00n/m
EPS (Diluted)	-$0.46n/m	-$0.22n/m	-$0.72	-$1.09n/m	-$0.41n/m	-$0.43n/m	$0.02	$0.00n/m
Diluted Shares (Avg)	5M+2.8%	5M+2.8%	N/A	5M-19.2%	5M+6.7%	5M+14.3%	N/A	6M+49.5%

Not reported in any period shown, so not listed: Cost of Revenue, Gross Profit, R&D Expenses, SG&A Expenses, Operating Income, EBITDA.

CARV Balance Sheet

CARV quarterly balance sheet

Metric	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K	FY1210-K	FY1110-K
Total Assets	$730.0M-3.5%	$756.8M+4.6%	$723.2M-1.6%	$735.3M+8.7%	$676.7M+16.9%	$578.8M+2.7%	$563.7M-18.8%	$693.9M+0.9%	$687.9M-6.9%	$739.1M+9.4%	$675.8M+5.6%	$639.8M+0.2%	$638.3M-0.5%	$641.2M-9.6%	$709.2M
Cash & Equivalents	$50.3M-14.8%	$59.0M+38.7%	$42.6M-30.3%	$61.0M-19.3%	$75.6M+59.0%	$47.5M+52.2%	$31.2M-76.8%	$134.6M+129.3%	$58.7M-7.1%	$63.2M+24.3%	$50.8M-58.5%	$122.6M+17.1%	$104.6M+14.1%	$91.7M+108.0%	$44.1M
Total Liabilities	$700.4M-2.0%	$714.5M+5.4%	$678.0M-0.3%	$680.2M+8.9%	$624.4M+17.8%	$529.9M+2.6%	$516.6M-19.5%	$641.9M+0.2%	$640.5M-6.8%	$687.2M+10.5%	$622.1M+5.7%	$588.7M+1.2%	$581.5M-0.5%	$584.6M-14.2%	$681.5M
Long-Term Debt	$20.2M-56.5%	$46.4M+13.5%	$40.9M+157.2%	$15.9M-32.9%	$23.7M	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Total Equity	$29.6M-30.1%	$42.3M-6.4%	$45.2M-17.9%	$55.1M+5.3%	$52.3M+7.0%	$48.9M+3.7%	$47.1M-9.3%	$52.0M+9.6%	$47.4M-8.6%	$51.9M-1.9%	$52.9M+2.7%	$51.5M-9.2%	$56.7M+5.3%	$53.9M+127.5%	$23.7M
Retained Earnings	-$65.3Mn/m	-$51.5Mn/m	-$47.9Mn/m	-$43.5Mn/m	-$42.7Mn/m	-$52.3Mn/m	-$52.2Mn/m	-$45.5Mn/m	-$50.9Mn/m	-$48.0Mn/m	-$45.5Mn/m	-$44.6Mn/m	-$44.4Mn/m	-$45.1Mn/m	-$21.5M

Metric	Q2'2610-Q	Q1'2610-Q	Q4'2510-K	Q3'2510-Q	Q2'2510-Q	Q1'2510-Q	Q4'2410-K	Q3'2410-Q
Total Assets	$697.9M-6.8%	$713.6M-4.4%	$730.0M-3.5%	$727.5M-6.2%	$748.8M+0.8%	$746.5M+4.9%	$756.8M+4.6%	$775.3M+8.9%
Cash & Equivalents	$40.7M-25.3%	$43.8M-5.4%	$50.3M-14.8%	$50.0M-33.6%	$54.5M+4.5%	$46.3M+11.2%	$59.0M+38.7%	$75.2M+71.3%
Total Liabilities	$671.0M-5.3%	$685.1M-3.1%	$700.4M-2.0%	$695.3M-5.1%	$708.9M+0.8%	$706.6M+5.6%	$714.5M+5.4%	$732.6M+9.8%
Long-Term Debt	N/A	N/A	$20.2M-56.5%	N/A	N/A	N/A	$46.4M+13.5%	N/A
Total Equity	$26.9M-32.5%	$28.5M-28.4%	$29.6M-30.1%	$32.3M-24.5%	$39.9M+0.5%	$39.9M-6.2%	$42.3M-6.4%	$42.7M-5.3%
Retained Earnings	-$68.9Mn/m	-$66.5Mn/m	-$65.3Mn/m	-$61.5Mn/m	-$55.9Mn/m	-$53.8Mn/m	-$51.5Mn/m	-$51.6Mn/m

Not reported in any period shown, so not listed: Current Assets, Short-Term Investments, Inventory, Accounts Receivable, Long-Term Investments, Goodwill, Current Liabilities, Non-Current Liabilities.

CARV Cash Flow Statement

CARV quarterly cash flow statement

Metric	TTM	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K	FY1210-K	FY1110-K
Operating Cash Flow	-$9.0M	-$12.6Mn/m	-$6.6Mn/m	-$10.5M-247.0%	$7.2M+223.3%	$2.2Mn/m	-$31Kn/m	-$8.8Mn/m	-$5.0M-702.8%	$827K+96.9%	$420K-88.4%	$3.6M-76.7%	$15.5M-23.6%	$20.3M-35.5%	$31.5M+632.0%	$4.3M
Depreciation & Amortization	N/A	$860K-18.8%	$1.1M-7.3%	$1.1M+3.9%	$1.1M+0.8%	$1.1M+9.1%	$999K+26.0%	$793K-11.6%	$897K+3.5%	$867K-38.7%	$1.4M+34.5%	$1.1M-2.5%	$1.1M-7.9%	$1.2M-18.9%	$1.4M-13.0%	$1.7M
Stock-Based Compensation	N/A	$66K-70.0%	$220K+141.8%	$91K-25.4%	$122K+238.9%	$36Kn/m	-$38K-208.6%	$35Kn/m	$0n/m	$0n/m	$0-100.0%	$2K0.0%	$2K0.0%	$2K0.0%	$2Kn/m	$0
Capital Expenditures	$355K	$331K-8.1%	$360K+60.0%	$225K+17.2%	$192K-25.0%	$256K-80.1%	$1.3M-55.3%	$2.9M+79.8%	$1.6M+511.5%	$262K-54.4%	$574K+98.6%	$289K-5.2%	$305K+39.9%	$218K+51.4%	$144K-71.3%	$502K
Free Cash Flow	-$9.4M	-$12.9Mn/m	-$6.9Mn/m	-$10.7M-254.3%	$7.0M+255.8%	$2.0Mn/m	-$1.3Mn/m	-$11.6Mn/m	-$6.6M-1265.8%	$565Kn/m	-$154K-104.6%	$3.3M-78.2%	$15.2M-24.3%	$20.1M-35.9%	$31.4M+724.8%	$3.8M
Investing Cash Flow	$31.0M	$15.1Mn/m	-$20.1Mn/m	-$15.3Mn/m	-$79.1Mn/m	-$77.0M-589.6%	$15.7M-46.0%	$29.1M-65.4%	$84.1M+104.1%	$41.2Mn/m	-$52.0Mn/m	-$106.6Mn/m	-$5.3Mn/m	-$3.5M-105.6%	$62.3M+12.0%	$55.6M
Financing Cash Flow	-$35.7M	-$11.2M-125.9%	$43.1M+489.6%	$7.3M-87.3%	$57.4M-44.2%	$102.8M+16511.1%	$619Kn/m	-$123.7Mn/m	-$3.3Mn/m	-$46.6M-172.8%	$64.0M+103.8%	$31.4M+310.3%	$7.7Mn/m	-$3.9Mn/m	-$46.2Mn/m	-$54.2M
Dividends Paid	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	$0n/m	$0-100.0%	$364K-48.9%	$712K
Share Buybacks	N/A	N/A	N/A	N/A	$0-100.0%	$2.5M0.0%	$2.5M	N/A	N/A	N/A	N/A	N/A	N/A	N/A	$0n/m	$0

Metric	Q2'2610-Q	Q1'2610-Q	Q4'2510-K	Q3'2510-Q	Q2'2510-Q	Q1'2510-Q	Q4'2410-K	Q3'2410-Q
Operating Cash Flow	-$1.6Mn/m	-$230Kn/m	-$6.2Mn/m	-$1.0M-131.7%	-$3.0Mn/m	-$2.3Mn/m	-$2.9Mn/m	$3.3M+226.5%
Depreciation & Amortization	$201K-10.3%	$189K-21.3%	$185K-20.9%	$211K-11.0%	$224K-25.3%	$240K-16.7%	$234K-24.5%	$237K-15.1%
Stock-Based Compensation	N/A	$13K-51.9%	N/A	N/A	N/A	$27K-84.6%	N/A	N/A
Capital Expenditures	$116K+9.4%	$168K+9.1%	$18K-85.5%	$53K-25.4%	$106K+7.1%	$154K+133.3%	$124K+117.5%	$71K+57.8%
Free Cash Flow	-$1.7Mn/m	-$398Kn/m	-$6.2Mn/m	-$1.1M-134.0%	-$3.1Mn/m	-$2.5Mn/m	-$3.0Mn/m	$3.2M+234.4%
Investing Cash Flow	$12.2M+37.8%	$9.0Mn/m	-$328K-113.3%	$10.1Mn/m	$8.9Mn/m	-$3.6M-144.4%	$2.5Mn/m	-$12.6Mn/m
Financing Cash Flow	-$13.7M-682.0%	-$15.2Mn/m	$6.9Mn/m	-$13.7M-142.3%	$2.4M-93.0%	-$6.7Mn/m	-$15.8M-241.5%	$32.4Mn/m

Not reported in any period shown, so not listed: Dividends Paid, Share Buybacks.

CARV Financial Ratios

Margins and returns are percentages; the remaining ratios are unitless multiples. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.

CARV quarterly financial ratios

Metric	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K	FY1210-K	FY1110-K
Operating Margin	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	-0.6%+0.5pp	-1.1%+2.1pp	-3.2%-5.8pp	2.5%+102.0pp	-99.5%	-115.9%
Net Margin	-61.8%-51.6pp	-10.2%+6.5pp	-16.7%-13.6pp	-3.0%+14.6pp	-17.6%+9.8pp	-27.5%-0.2pp	-27.3%-43.3pp	16.0%+27.1pp	-11.1%-0.9pp	-10.2%-9.1pp	-1.1%+2.1pp	-3.2%-5.8pp	2.5%+102.0pp	-99.5%	-115.9%
Return on Equity	-46.5%-39.4pp	-7.0%+2.7pp	-9.7%-8.2pp	-1.5%+5.9pp	-7.4%+3.6pp	-11.1%+1.5pp	-12.6%-22.9pp	10.3%+16.3pp	-6.0%-0.5pp	-5.5%-5.0pp	-0.5%+1.1pp	-1.6%-2.8pp	1.2%+44.6pp	-43.5%+123.5pp	-166.9%
Return on Assets	-1.9%-1.5pp	-0.4%+0.2pp	-0.6%-0.5pp	-0.1%+0.5pp	-0.6%+0.4pp	-0.9%+0.1pp	-1.1%-1.8pp	0.8%+1.2pp	-0.4%0.0pp	-0.4%-0.3pp	0.0%+0.1pp	-0.1%-0.2pp	0.1%+3.8pp	-3.6%+1.9pp	-5.6%
Debt-to-Equity	0.68-0.4x	1.10+0.2x	0.90+0.6x	0.29-0.2x	0.45	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Liabilities-to-Equity	23.68+6.8x	16.89+1.9x	14.99+2.6x	12.35+0.4x	11.94+1.1x	10.84-0.1x	10.96-1.4x	12.35-1.2x	13.51+0.3x	13.25+1.5x	11.76+0.3x	11.42+1.2x	10.25-0.6x	10.85-17.9x	28.78
Asset Turnover	0.030.0x	0.040.0x	0.040.0x	0.040.0x	0.030.0x	0.030.0x	0.040.0x	0.050.0x	0.040.0x	0.040.0x	0.040.0x	0.040.0x	0.040.0x	0.040.0x	0.05
FCF Margin	-58.2%-34.5pp	-23.7%+17.0pp	-40.7%-65.7pp	25.0%+16.2pp	8.9%+15.5pp	-6.7%+46.9pp	-53.6%-33.9pp	-19.7%-21.9pp	2.2%+2.7pp	-0.5%-14.5pp	13.9%-44.5pp	58.4%-19.1pp	77.5%	133.3%	11.2%

Metric	Q2'2610-Q	Q1'2610-Q	Q4'2510-K	Q3'2510-Q	Q2'2510-Q	Q1'2510-Q	Q4'2410-K	Q3'2410-Q
Net Margin	-38.1%-6.0pp	-17.0%+18.6pp	-68.5%-68.6pp	-143.3%	-32.1%-9.0pp	-35.6%-12.9pp	0.1%+23.1pp	0.2%+16.4pp
Return on Equity	-9.0%-3.7pp	-4.1%+1.4pp	-12.7%-12.8pp	-17.5%-17.5pp	-5.3%-1.3pp	-5.5%-2.2pp	0.0%+3.3pp	0.0%+2.5pp
Return on Assets	-0.4%-0.1pp	-0.2%+0.1pp	-0.5%-0.5pp	-0.8%-0.8pp	-0.3%-0.1pp	-0.3%-0.1pp	0.0%+0.2pp	0.0%+0.1pp
Debt-to-Equity	N/A	N/A	0.68-0.4x	N/A	N/A	N/A	1.10+0.2x	N/A
Liabilities-to-Equity	24.92+7.1x	24.01+6.3x	23.68+6.8x	21.55+4.4x	17.78+0.1x	17.73+2.0x	16.89+1.9x	17.15+2.4x
Asset Turnover	0.010.0x	0.010.0x	0.010.0x	0.010.0x	0.010.0x	0.010.0x	0.010.0x	0.010.0x
FCF Margin	-26.7%+21.0pp	-5.8%+34.6pp	-112.7%	-27.9%-68.1pp	-47.6%+31.1pp	-40.3%-11.9pp	-36.6%-10.2pp	40.3%+25.9pp

Not reported in any period shown, so not listed: Gross Margin, Operating Margin, Current Ratio.

Reported as filed but not readable as a share of revenue in the periods where the ratio runs further from zero than a revenue base allows; no change figure is given where either compared period is one of those: Net Margin, FCF Margin.

Similar Companies

Newest fiscal year on record for each company. The health score is the peer-relative Financial Health Score for that year; a dash means no score is published for it.

Company	Fiscal year	Revenue	Net income	Net margin	Market cap	Health score
CARVER BANCORP INC CARV	FY2025	$22.2M	-$13.7M	-61.8%	$10.8M	—
GLEN BURNIE BANCORP GLBZ	FY2024	$12.1M	-$112K	-0.9%	$12.7M	—
SHF Holdings, Inc. SHFS	FY2025	$7.7M	-$2.2M	-28.2%	$136K	30/100
Marathon Bancorp, Inc. MBBC	FY2026	$9.0M	$1.8M	19.8%	$44.2M	42/100
Kentucky First Federal Bancorp KFFB	FY2026	N/A	$1.9M	N/A	$42.2M	—
AmeriServ Financial Inc ASRV	FY2025	$59.3M	$5.6M	9.5%	$81.0M	22/100

Where CARVER BANCORP INC Ranks

Frequently Asked Questions

What is CARVER BANCORP INC's annual revenue?

CARVER BANCORP INC (CARV) reported $22.2M in total revenue for fiscal year 2025. This represents a -24.1% change compared to the previous fiscal year. Revenue measures the total income earned from the company's primary business operations before any expenses are deducted.

How fast is CARVER BANCORP INC's revenue growing?

CARVER BANCORP INC (CARV) revenue declined by 24.1% year-over-year, from $29.3M to $22.2M in fiscal year 2025.

Is CARVER BANCORP INC profitable?

No, CARVER BANCORP INC (CARV) reported a net loss of $13.0M over the trailing 12 months to September 30, 2025. In fiscal year 2025 it reported a net loss of $13.7M, with a net profit margin of -61.8%.

How much debt does CARVER BANCORP INC have?

As of fiscal year 2025, CARVER BANCORP INC (CARV) had $50.3M in cash and equivalents against $20.2M in long-term debt.

What is CARVER BANCORP INC's net profit margin?

CARVER BANCORP INC (CARV) had a net profit margin of -61.8% in fiscal year 2025, representing the share of revenue converted into profit after all expenses.

What is CARVER BANCORP INC's return on equity (ROE)?

CARVER BANCORP INC (CARV) has a return on equity of -46.5% for fiscal year 2025, measuring how efficiently the company generates profit from shareholder equity.

What is CARVER BANCORP INC's free cash flow?

CARVER BANCORP INC (CARV) recorded an outflow of $12.9M in free cash flow during fiscal year 2025. The change from the previous fiscal year is not meaningful, because that year’s figure was zero or negative. Free cash flow represents the cash a company generates after accounting for capital expenditures, and is widely used to assess financial flexibility and shareholder value.

What is CARVER BANCORP INC's operating cash flow?

CARVER BANCORP INC (CARV) recorded an outflow of $12.6M in operating cash flow during fiscal year 2025, representing cash used by core business activities.

What are CARVER BANCORP INC's total assets?

CARVER BANCORP INC (CARV) had $730.0M in total assets as of fiscal year 2025, including both current and long-term assets.

What are CARVER BANCORP INC's capital expenditures?

CARVER BANCORP INC (CARV) invested $331K in capital expenditures during fiscal year 2025, funding long-term assets and infrastructure.

How many shares does CARVER BANCORP INC have outstanding?

CARVER BANCORP INC (CARV) had 5M shares outstanding as of fiscal year 2025.

What is CARVER BANCORP INC's debt-to-equity ratio?

CARVER BANCORP INC (CARV) had a debt-to-equity ratio of 0.68 as of fiscal year 2025. We compute it as long-term debt divided by total shareholder equity, where long-term debt is the noncurrent part of the company's borrowings, so debt due within the next twelve months is not counted.

What is CARVER BANCORP INC's liabilities-to-equity ratio?

CARVER BANCORP INC (CARV) had a liabilities-to-equity ratio of 23.68 as of fiscal year 2025, which is total liabilities divided by total shareholder equity. Total liabilities counts every obligation on the balance sheet (payables, deposits, insurance reserves and deferred taxes as well as borrowings), so this ratio usually runs well above debt-to-equity.

What is CARVER BANCORP INC's return on assets (ROA)?

CARVER BANCORP INC (CARV) had a return on assets of -1.9% for fiscal year 2025, measuring how efficiently the company uses its assets to generate profit.

What is CARVER BANCORP INC's P/E ratio?

CARVER BANCORP INC (CARV) has no price-to-earnings ratio at the moment: net loss, so no earnings multiple (trailing 12 months to September 30, 2025). The market capitalization is $10.8M as of Oct 23, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.

What is CARVER BANCORP INC's price-to-sales ratio?

CARVER BANCORP INC (CARV) trades at 0.5x sales, its market capitalization divided by $22.7M revenue, trailing 12 months to September 30, 2025. The market capitalization is $10.8M as of Oct 23, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.

What is CARVER BANCORP INC's Piotroski F-Score?

CARVER BANCORP INC (CARV) has a Piotroski F-Score of 3 out of 7 computable signals; 2 of the nine could not be computed from available data, so the full-scale strength rating is not shown. The F-Score evaluates nine binary signals across profitability (positive ROA, positive cash flow, improving ROA, earnings quality), leverage (decreasing debt, improving liquidity, no share dilution), and operating efficiency (improving gross margin, improving asset turnover). Scores of 7 to 9 indicate strong and improving fundamentals. Learn more in our complete guide to financial health indicators.