CARV · Carver Bancorp, Inc.
What's happening
- CARV is down 11.49% today, trading at $1.43. — Live quote
- Volume today (805) is well below its 3-month average of 3,160. (Finnhub fundamentals)
- Reports earnings on 2026-11-11, 20 days away. (Finnhub earnings calendar)
Deterministic template sentences filled in from the same sourced figures shown elsewhere on this page -- not an AI-written summary, no live model call.
Performance Overview (Trailing returns vs S&P 500 benchmark)
Earnings Trends (Quarterly EPS Actual vs Estimate)
Valuation Measures & Ratios
Quarterly history (5 periods)
| Measure | Sep '25 | Jun '25 | Dec '24 | Sep '24 | Jun '24 |
|---|---|---|---|---|---|
| Market cap | $12.6M | $8.5M | $9.4M | — | — |
| P/E | -1.11 | -0.76 | -0.95 | — | — |
| Price/Book | 0.47 | 0.30 | 0.29 | — | — |
| ROE | -42.22% | -39.07% | -30.85% | — | — |
| ROA | -1.63% | -1.56% | -1.37% | — | — |
Trailing-twelve-month ratios computed from SEC EDGAR quarterly figures and historical daily close prices (Alpaca). Diluted shares are derived from Net income ÷ EPS (diluted) for each quarter, not separately reported. Forward P/E/PEG unavailable (no free data source).
Glossary — what these abbreviations mean
- 1. TTM
- Trailing twelve months — the sum of the last four reported quarters, not a calendar year or the single latest quarter.
- 2. EPS
- Earnings per share — net income divided by diluted shares outstanding.
- 3. Beta
- A stock's historical volatility relative to the overall market. Above 1 means it has moved more than the market; below 1, less.
- 4. EV (Enterprise Value)
- Market cap plus total debt minus cash — roughly what it would cost to buy the whole company, debt included.
- 5. Forward P/E
- Price divided by analysts' estimated earnings for the next 12 months, instead of trailing actual earnings.
- 6. PEG Ratio
- P/E divided by expected earnings growth rate. A lower number can indicate a stock is cheap relative to how fast it's expected to grow.
- 7. Price / Book
- Share price divided by book value (assets minus liabilities) per share.
- 8. ROE
- Return on equity — net income divided by shareholders' equity, a measure of how efficiently a company turns equity into profit.
- 9. ROA
- Return on assets — net income divided by total assets, a measure of how efficiently a company turns assets into profit.
- 10. MRQ
- Most recent quarter — the single latest reported period, as opposed to TTM. The Financials section's "Quarterly" view below shows MRQ-style figures.
- 11. YoY
- Year over year — percent change versus the same period one year earlier, used for growth figures like those on Compare cards and the Screener.
Short Interest
Source: FINRA Rule 4560 consolidated short interest, settlement date 2026-09-30. Reported bi-monthly with a reporting lag — not real-time.
Quotes and the 1-day extended-hours chart: Yahoo Finance. Longer historical charts: Alpaca (IEX feed) — real-time but IEX-only volume (~2.5% of consolidated market volume). Fundamentals + earnings: Finnhub.
Price history
Drag horizontally to zoom into a section; use Reset view to restore all observations.
Technical signal summary
Calculating from the latest year of daily price history…
Show Technical Analysis Breakdown ▾ 10 Indicators
Not investment advice — read several signals together.
Indicators None active
History limited by data provider; markers are heuristics, not signals.
Peer and sector context
Balanced evidence
A deterministic summary of sourced facts—not an AI verdict.
Potential strengths
- Revenue growth is 19.1% on the provider's reported measure. Finnhub fundamentals ↗
- Latest SEC filing is Form 8-K, filed 2025-11-18; review it for current changes and risks. SEC EDGAR ↗
Potential concerns
- Net profit margin is -21.2%. Finnhub fundamentals ↗
- Trailing 52-week price return is -42.7%. Finnhub market metrics ↗
Rule-based facts only; absence from either side is not evidence, and this is not a recommendation.
More on CARV
No accessible free API for these — links go to the source directly.
Financials
Fundamental trends
Visualized from the same SEC figures in the tables below.
Income statement
| Line item | Sep '25 | Jun '25 | Dec '24 | Sep '24 | Jun '24 | Dec '23 | Sep '23 | Jun '23 |
|---|---|---|---|---|---|---|---|---|
| Operating income | — | — | — | — | — | — | — | — |
| Net income | -$2.4M | -$1.2M | -$5.6M | -$2.1M | -$2.2M | $19.0K | -$1.6M | -$1.4M |
| EPS (diluted) | $-0.46 | $-0.22 | $-1.09 | $-0.41 | $-0.43 | $0.00 | $-0.33 | $-0.32 |
| EPS (basic) | $-0.46 | $-0.22 | $-1.09 | $-0.41 | $-0.43 | $0.00 | $-0.33 | $-0.32 |
Balance sheet
| Line item | Sep '25 | Jun '25 | Mar '25 | Dec '24 | Sep '24 | Jun '24 | Mar '24 | Dec '23 |
|---|---|---|---|---|---|---|---|---|
| Total assets | $697.9M | $713.6M | $730.0M | $727.5M | $748.8M | $746.5M | $756.8M | $775.3M |
| Total liabilities | $671.0M | $685.1M | $700.4M | $695.3M | $708.9M | $706.6M | $714.5M | $732.6M |
| Stockholders' equity | $26.9M | $28.5M | $29.6M | $32.3M | $39.9M | $39.9M | $42.3M | $42.7M |
| Cash & equivalents | $40.7M | $43.8M | $50.3M | $50.0M | $54.5M | $46.3M | $59.0M | $75.2M |
| Property, plant & equipment | $1.9M | $2.0M | $2.0M | $2.2M | $2.3M | $2.4M | $2.6M | $2.7M |
| Long-term debt | — | — | $20.2M | — | — | — | $46.4M | — |
| Retained earnings | -$68.9M | -$66.5M | -$65.3M | -$61.5M | -$55.9M | -$53.8M | -$51.5M | -$51.6M |
| Accumulated other comprehensive income (loss) | -$11.0M | -$11.8M | -$12.0M | -$13.0M | -$10.8M | -$13.0M | -$12.7M | -$12.3M |
Cash flow
| Line item | Sep '25 | Jun '25 | Mar '25 | Dec '24 | Sep '24 | Jun '24 | Mar '24 | Dec '23 |
|---|---|---|---|---|---|---|---|---|
| Operating cash flow | -$1.6M | -$230.0K | -$6.2M | -$1.0M | -$3.0M | -$2.3M | -$2.9M | $3.3M |
| Investing cash flow | $12.2M | $9.0M | -$328.0K | $10.1M | $8.9M | -$3.6M | $2.5M | -$12.6M |
| Financing cash flow | -$13.7M | -$15.2M | $6.9M | -$13.7M | $2.4M | -$6.7M | -$15.8M | $32.4M |
| Free cash flow | -$1.7M | -$398.0K | -$6.2M | -$1.1M | -$3.1M | -$2.5M | -$3.0M | $3.2M |
| Capital expenditures | $116.0K | $168.0K | $18.0K | $53.0K | $106.0K | $154.0K | $124.0K | $71.0K |
| Share-based compensation | $0 | $13.0K | $39.0K | $0 | $0 | $27.0K | $0 | $1.0K |
| Purchases of investments | — | — | — | — | — | — | — | — |
| Sales/maturities of investments | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| Dividends paid | — | — | — | — | — | — | — | — |
| Share repurchases | — | — | — | — | — | — | — | — |
| Debt issued | $1.2M | $2.9M | $0 | $0 | $0 | $1.8M | $0 | $0 |
| Debt repaid | $0 | $1.8M | $18.0M | $0 | $10.0M | $0 | $0 | $0 |
| Other financing activities | — | — | — | — | — | — | — | — |
Income statement
| Line item | Mar '25 | Mar '24 | Mar '23 | Mar '22 | Mar '21 |
|---|---|---|---|---|---|
| Revenue | $3.0M | $3.0M | $2.9M | $5.0M | $4.2M |
| Operating income | — | — | — | — | — |
| Net income | -$13.7M | -$3.0M | -$4.4M | -$847.0K | -$3.9M |
| EPS (diluted) | $-2.65 | $-0.61 | $-1.03 | $-0.24 | $-1.14 |
| EPS (basic) | $-2.65 | $-0.61 | $-1.03 | $-0.24 | $-1.14 |
| Net margin | -$458 | -$101 | -$152 | -$17 | -$93 |
Balance sheet
| Line item | Mar '25 | Mar '24 | Mar '23 | Mar '22 | Mar '21 |
|---|---|---|---|---|---|
| Total assets | $730.0M | $756.8M | $723.2M | $735.3M | $676.7M |
| Total liabilities | $700.4M | $714.5M | $678.0M | $680.2M | $624.4M |
| Stockholders' equity | $29.6M | $42.3M | $45.2M | $55.1M | $52.3M |
| Cash & equivalents | $50.3M | $59.0M | $42.6M | $61.0M | $75.6M |
| Property, plant & equipment | $2.0M | $2.6M | $3.2M | $3.8M | $4.6M |
| Long-term debt | $20.2M | $46.4M | $40.9M | $15.9M | — |
| Retained earnings | -$65.3M | -$51.5M | -$47.9M | -$43.5M | -$42.7M |
| Accumulated other comprehensive income (loss) | -$12.0M | -$12.7M | -$12.2M | -$6.7M | -$3.2M |
Cash flow
| Line item | Mar '25 | Mar '24 | Mar '23 | Mar '22 | Mar '21 |
|---|---|---|---|---|---|
| Operating cash flow | -$12.6M | -$6.6M | -$10.5M | $7.2M | $2.2M |
| Investing cash flow | $15.1M | -$20.1M | -$15.3M | -$79.1M | -$77.0M |
| Financing cash flow | -$11.2M | $43.1M | $7.3M | $57.4M | $102.8M |
| Free cash flow | -$12.9M | -$6.9M | -$10.7M | $7.0M | $2.0M |
| Capital expenditures | $331.0K | $360.0K | $225.0K | $192.0K | $256.0K |
| Share-based compensation | $66.0K | $220.0K | $91.0K | $122.0K | $36.0K |
| Purchases of investments | — | — | — | $0 | $74.5M |
| Sales/maturities of investments | $0 | $0 | $0 | $0 | $37.8M |
| Dividends paid | — | — | — | — | — |
| Share repurchases | — | — | — | $0 | $2.5M |
| Debt issued | $1.8M | $5.5M | $25.0M | $2.5M | — |
| Debt repaid | $28.0M | $0 | $3.0K | $23.7M | — |
| Other financing activities | — | — | — | — | — |
Source: SEC EDGAR XBRL filings (10-Q/10-K), as originally tagged by the company. Quarterly cash flow is reconstructed by de-cumulating fiscal-year-to-date figures (how cash flow is tagged in 10-Qs); other quarterly lines are reported directly.
Institutional holders
SEC Form 13F filers holding CARV as of the latest reported quarter. 13F only covers investment managers with $100M+ in assets — this is not a complete ownership picture, and does not include insiders (see Recent SEC filings below) or non-13F-eligible holders.
Insider activity
Directors, officers, and 10%+ owners' reported transactions from SEC Form 4. A filing reports a transaction; it does not by itself explain why it happened.
Source: SEC EDGAR Form 4 filings · checked 25 most recent filings · covers 2020-11-30 to 2025-02-27
Recent transactions
- Most recent: Felix Donald (President and CEO) — Grant / award of 58,139 shares on 2025-02-27.
Deterministic template sentences filled in from the SEC Form 4 figures in the tables below -- not an AI-written summary, no live model call.
Insider purchases & sales, last 6 months
Counts only open-market purchases (code P) and sales (code S) — grants, option exercises, tax withholding, and gifts are excluded since they aren't a market buy/sell decision.
Insider roster
| Name | Title | Most Recent Transaction | Date | Shares |
|---|---|---|---|---|
| Felix Donald | President and CEO | Grant / award | 2025-02-27 | 58,139 |
| Knuckles Kenneth | Director | Open market purchase | 2024-11-25 | 8,982 |
| MacKay Craig C | Director | Open market purchase | 2024-11-25 | 59,880 |
| Grannum Colvin | Director | Open market purchase | 2024-11-25 | 11,976 |
| JACKSON PAZEL G JR | Director | Open market purchase | 2024-11-25 | 8,982 |
| Nunn Robin L | Director | Grant / award | 2023-10-26 | 1,000 |
| Maier Christina L | CFO | Grant / award | 2023-10-26 | 6,000 |
| Torres Isaac | SVP and GC | Grant / award | 2023-10-26 | 6,000 |
| Pugh Michael T. | President & CEO | Grant / award | 2022-04-26 | 10,000 |
| Haliotis Sophia | SVP and CCO | Open market sale | 2021-08-26 | 2,428 |
| Jones Lewis P. III | Director | Open market sale | 2020-12-01 | 200 |
Recent transactions
| Date | Insider | Title | Transaction | Shares | Price |
|---|---|---|---|---|---|
| 2025-02-27 | Felix Donald | President and CEO | Grant / award | 58,139 | $0.00 |
| 2024-11-25 | Felix Donald | President and CEO | Open market purchase | 26,946 | $1.67 |
| 2024-11-25 | Knuckles Kenneth | Director | Open market purchase | 8,982 | $1.67 |
| 2024-11-25 | MacKay Craig C | Director | Open market purchase | 59,880 | $1.67 |
| 2024-11-25 | Grannum Colvin | Director | Open market purchase | 11,976 | $1.67 |
| 2024-11-25 | JACKSON PAZEL G JR | Director | Open market purchase | 8,982 | $1.67 |
Recent SEC filings
Official company reports and insider transaction filings. Form 4 reports a transaction; it does not by itself explain why it happened.
Source: SEC EDGAR submissions · updated 2026-10-22 07:03 UTC
| Filed | Form | Report period | Official filing |
|---|---|---|---|
| 2025-11-18 | 8-K | 2025-11-18 | View on SEC.gov → |
| 2025-11-13 | 10-Q | 2025-09-30 | View on SEC.gov → |
| 2025-11-05 | 8-K | 2025-11-05 | View on SEC.gov → |
| 2025-08-13 | 10-Q | 2025-06-30 | View on SEC.gov → |
| 2025-06-24 | 10-K | 2025-03-31 | View on SEC.gov → |
| 2025-05-16 | 8-K | 2025-05-14 | View on SEC.gov → |
| 2025-03-03 | 4 | 2025-02-27 | View on SEC.gov → |
| 2025-02-13 | 10-Q | 2024-12-31 | View on SEC.gov → |
| 2024-12-12 | 8-K | 2024-12-12 | View on SEC.gov → |
| 2024-12-06 | 4 | 2024-11-25 | View on SEC.gov → |
| 2024-11-27 | 4 | 2024-11-25 | View on SEC.gov → |
| 2024-11-27 | 4 | 2024-11-25 | View on SEC.gov → |
Recent news
Headlines about CARV (Carver Bancorp, Inc.). Links open the publisher — we don’t host full articles.
-
Carver Bancorp, Inc. Announces Agreement with EJF Capital to Cancel Interest in Exchange for Shares of Common Stock
Yahoo Finance · 2026-08-03 -
Carver Bancorp, Inc. Stockholders Elect Keith Mestrich and Donald Felix to Board of Directors at Annual Meeting
Yahoo Finance · 2026-05-22 -
Carver Bancorp, Inc. Announces Slate of Highly Qualified Director Candidates for 2026 Annual Meeting
Yahoo Finance · 2026-04-27 -
Carver Bancorp appoints Lisa Robinson Smith as CFO
Seeking Alpha · 2026-03-23 -
Carver Bancorp, Inc. Appoints Lisa Robinson Smith as Chief Financial Officer
Yahoo Finance · 2026-03-23 -
Carver Bancorp, Inc. Announces Agreement with Holders of Trust Preferred Securities to Cancel Interest in Exchange for Shares of Common Stock
Yahoo Finance · 2026-03-16 -
Carver Bancorp, Inc. Announces Date of Annual Meeting of Stockholders
Yahoo Finance · 2026-01-20 -
Dream Chasers Release Letter to all Shareholders of Carver Bancorp
Yahoo Finance · 2025-12-09
No headlines in this category right now — try “All”.