Carver Bancorp, Inc.
General ticker "CARV" information:
- Sector: Financials
- Industry: Banks - Regional
- Capitalization: $9.6M (TTM average)
Carver Bancorp, Inc. does not follow the US Stock Market performance with the rate: -5.3%.
Estimated limits based on current volatility of 7.0%: low 1.53$, high 1.76$
Factors to consider:
- Total employees count: 109 (-3.5%) as of 2025
- Company does not operate outside North America (retrieved using AI)
- Top business risk factors: Commercial real estate, Geographic concentration, Economic downturns and volatility, Liquidity and credit risks, Interest rate risk
- Price in estimated range
- Earnings for 15 months up through Q1 (+1 year) are below our estimates
Stock Forecast*
* forecast is subjective and experimental, should not be used for any investment decisions
Long term estimates were made for the period from 2025-03-31 to 2027-03-31
- 2025-03-31 to 2026-03-31 estimated range: [1.18$, 2.31$]
- 2026-03-31 to 2027-03-31 estimated range: [1.34$, 2.55$]
Financial Metrics affecting the CARV estimates:
- Positive: with PPE of -0.5 at the end of fiscal year the price was neutral
- Negative: negative Operating income
- Negative: negative Operating cash flow
- Positive: Investing cash flow per share per price, % of 205.79 > 2.08
- Positive: -7.72 < Return on assets ratio (scaled to [-100,100]) of -1.85
- Positive: Industry earnings per price (median), % of 6.73 > 6.58
- Positive: 9.52 < Industry operating cash flow per share per price (median), % of 10.67
Short-term CARV quotes
Long-term CARV plot with estimates
Financial data
| YTD | 2023-03-31 | 2024-03-31 | 2025-03-31 |
|---|---|---|---|
| Operating Revenue | $26.38MM | $29.28MM | $22.24MM |
| Operating Expenses | $30.79MM | $32.26MM | $35.98MM |
| Operating Income | $-4.40MM | $-2.98MM | $-13.74MM |
| Interest Expense | $4.91MM | $11.46MM | $15.13MM |
| Income(Loss) | $-4.40MM | $-2.98MM | $-13.74MM |
| Net Income(Loss)* | $-4.40MM | $-2.98MM | $-13.74MM |
| Stockholders Equity | $45.22MM | $42.31MM | $29.58MM |
| Assets | $723.22MM | $756.80MM | $729.99MM |
| Operating Cash Flow | $-10.51MM | $-6.57MM | $-12.61MM |
| Capital expenditure | $0.23MM | $0.36MM | $0.33MM |
| Investing Cash Flow | $-15.26MM | $-20.05MM | $15.08MM |
| Financing Cash Flow | $7.31MM | $43.10MM | $-11.18MM |
| Earnings Per Share** | $-1.03 | $-0.61 | $-2.65 |
* Profit(Loss) attributable to entity.
** EPS are Split Adjusted, recent splits may be reflected with a delay.