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Carver Bancorp, Inc.(CARV)Earnings, Financials & Key Ratios
CARV•NASDAQ•Banking & Credit
$1.45
Price updated Jul 7, 2026
SectorFinancial ServicesIndustryRegional BanksSub-IndustryCommercial real estate and multifamily lenders
AboutCarver Bancorp, Inc. operates as the holding company for Carver Federal Savings Bank that provides consumer and commercial banking services for consumers, businesses, non-profit organizations, and governmental and quasi-governmental agencies primarily in New York. It accepts various deposit products, including demand, savings, and time deposits; passbook and statement accounts, and certificates of deposit; and individual retirement accounts. The company also provides lending products, such as one-to-four family residential, multifamily real estate, and commercial real estate lending; and construction, business and small business administration, and consumer and other loans. In addition, it offers other consumer and commercial banking products and services, including debit cards, online account opening and banking, online bill pay, and telephone banking, as well as check cashing, wire transfer, bill payment, reloadable prepaid card, and money order services. The company operates through one administrative office, seven branches, and four ATMs. Carver Bancorp, Inc. was founded in 1948 and is headquartered in New York, New York.Show more
- Net Interest Income$21M+9.7%
- Total Revenue$41M+8.8%
- Net Income-$7M+50.2%
- Return on Equity-25.23%+34.0%
- Net Interest Margin3.13%+19.3%
- Efficiency Ratio83.78%-10.0%
- ROA-0.98%+47.2%
- Equity / Assets3.68%-9.2%
- Book Value per Share4.65-18.5%
CARV Price & Volume
Carver Bancorp, Inc. (CARV) stock price & volume — 10-year historical chart
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Persistent Operational Losses Challenge Carver Bancorp Stability
Investment Thesis • Updated 2026Q2
VerdictNegative
Growth:Contracting
Profitability:Negative
Financial:Vulnerable
Cash Flow:Burning
Primary Risk:NYC Commercial Real Estate Concentration
Key Thesis Takeaways
- Carver Bancorp faces a precarious outlook characterized by eight quarters of net losses over the last ten periods, culminating in a $2.4 million net loss in 2026Q2.
- The bank's reliance on liquidating its $632.5 million investment securities portfolio to offset operational deficits suggests a lack of sustainable organic capital generation.
- Investors should monitor the bank's high efficiency ratio, which reached 121.6% in 2025Q3, as it underscores the structural difficulty of maintaining profitability within its current New York City branch-heavy business model.
Verdict Logic
the bank's inability to achieve consistent profitability, evidenced by a -8.8% ROE in 2026Q2, suggests significant fundamental risks that outweigh the current 0.25 price-to-book valuation.
CARV Growth Metrics
Carver Bancorp, Inc. (CARV) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR
Revenue CAGR
10 Years2.63%
5 Years8.93%
3 Years9.12%
TTM-
Profit CAGR
10 Years-
5 Years-
3 Years-
TTM-203.31%
EPS CAGR
10 Years-
5 Years-
3 Years-
TTM-196.79%
Return on Capital
10 Years-3.8%
5 Years-4.89%
3 Years-6.63%
Last Year-1.87%
CARV Recent Earnings
Carver Bancorp, Inc. (CARV) EPS & revenue vs analyst estimates — last 4 quarters
Q3 2026Latest
Jun 29, 2026Metric
Actual
Est
EPS
$0.29
—
Rev
—
—
Q1 2026
Feb 17, 2026Metric
Actual
Est
EPS
$0.32
—
Rev
—
—
Q4 2025
Nov 13, 2025Metric
Actual
Est
EPS
$0.46
—
Rev
$6M
—
Q3 2025
Aug 13, 2025Metric
Actual
Est
EPS
$0.22
—
Rev
$9M
—
| Quarter | Date | EPS (Act vs Est) | Revenue (Act vs Est) |
|---|---|---|---|
| Q3 2026Latest | Jun 29, 2026 | $0.29 | — |
| Q1 2026 | Feb 17, 2026 | $0.32 | — |
| Q4 2025 | Nov 13, 2025 | $0.46 | $6M |
| Q3 2025 | Aug 13, 2025 | $0.22 | $9M |
Based on last 12 quarters of dataView full earnings history →
Peers Comparison
Key metrics vs top competitors for Carver Bancorp, Inc. (CARV)
| Company | Price | Market Cap | P/E Ratio | Rev Growth (1Y) | Net Margin | ROE | Div Yield |
|---|---|---|---|---|---|---|---|
| $1.45 | $7.67M | -1.12 | 8.8% | -16.84% | -25.23% | — | |
| $17.75 | $114.71M | 11.38 | 12.08% | 18.32% | 9.28% | — | |
| $9.71 | $90.09M | -3.01 | -3.76% | -31.46% | -7.65% | — | |
| $23.29 | $224.61M | 15.95 | -9.41% | 16.49% | 8% | — | |
| $26.75 | $370.06M | 8.23 | -1.55% | 28.51% | 12.62% | — | |
| $22.90 | $69.93M | 18.17 | -2.88% | 17.78% | 10.42% | — |
Compare CARV vs Peers
Carver Bancorp, Inc. (CARV) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.
CARV SEC Filings & Documents
Carver Bancorp, Inc. (CARV) SEC filings — annual & quarterly reports (10-K, 10-Q)
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CARV Frequently Asked Questions
Carver Bancorp, Inc. (CARV) stock FAQ — growth, dividends, profitability & financials explained
Growth & Financials
How fast is Carver Bancorp, Inc. growing?
Carver Bancorp, Inc. (CARV) grew revenue by 8.8% over the past year. This is steady growth.
Is CARV profitable?
Carver Bancorp, Inc. (CARV) reported a net loss of $13.0M for fiscal year 2026.
Dividend & Returns
What is CARV's return on equity?
Carver Bancorp, Inc. (CARV) has a return on equity (ROE) of -25.2%. Negative ROE indicates the company is unprofitable.
Industry Metrics
What is Carver Bancorp, Inc.'s net interest margin?
Carver Bancorp, Inc. (CARV) has a net interest margin (NIM) of 3.1%. This indicates healthy earnings from lending activities.
What is Carver Bancorp, Inc.'s efficiency ratio?
Carver Bancorp, Inc. (CARV) has an efficiency ratio of 83.8%. This is higher than peers, suggesting room for cost optimization.