Carver Bancorp, Inc. (CARV) Earnings History
Net Loss32 years of earnings data (1995–2026) · Currently unprofitable on a TTM basis
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Carver Bancorp, Inc. (CARV) Earnings Overview
As of July 8, 2026, Carver Bancorp, Inc. (CARV) reported trailing twelve-month net income of -$13M, reflecting +51.3% year-over-year growth. The company earned $-2.47 per diluted share over the past four quarters, with a net profit margin of -16.8%.
Looking at the long-term picture, CARV's historical earnings data spans multiple years. The company achieved its highest annual net income of $5M in fiscal 2018.
Carver Bancorp, Inc. is currently reporting a net loss, though operating performance should be evaluated in the context of growth investments and industry dynamics View revenue history →
Compared to peers including MGYR ($11M net income, 16.7% margin), BYFC (-$21M net income, -39.3% margin), CZWI ($15M net income, 16.0% margin), CARV has room to improve margins relative to the peer group. Compare CARV vs MGYR →
CARV Earnings vs Peers
Earnings metrics vs comparable public companies
CARV Historical Earnings Data (1995–2026)
32 years| Fiscal Year | Net Income | YoY % | Operating Income | EPS (Diluted) | Net Margin | Op. Margin |
|---|---|---|---|---|---|---|
| 2026 | -$7M | +50.2% | -$7M | $-1.29 | -16.8% | -16.8% |
| 2025 | -$14M | -361.7% | -$14M | $-2.65 | -36.8% | -36.8% |
| 2024 | -$3M | +32.4% | -$3M | $-0.61 | -7.3% | -7.3% |
| 2023 | -$4M | -419.6% | -$4M | $-1.03 | -14.1% | -14.1% |
| 2022 | $-847,000 | +78.3% | $-847,000 | $-0.24 | -2.8% | -2.8% |
| 2021 | -$4M | +28.2% | -$4M | $-1.14 | -14.7% | -14.7% |
| 2020 | -$5M | +8.6% | -$5M | $-1.47 | -21.4% | -21.4% |
| 2019 | -$6M | -210.9% | -$6M | $-1.60 | -21.8% | -21.8% |
| 2018 | $5M | +287.7% | $5M | $0.58 | 18.4% | 18.3% |
| 2017 | -$3M | -61.5% | -$3M | $-0.77 | -9.3% | -8.9% |
| 2016 | -$2M | -549.6% | -$2M | $-0.48 | -5.6% | -5.2% |
| 2015 | $-272,000 | +67.5% | $-387,000 | $0.10 | -1.0% | -1.4% |
| 2014 | $-836,000 | -226.3% | $-844,000 | $0.06 | -2.8% | -2.8% |
| 2013 | $662,000 | +102.8% | $45,000 | $0.18 | 2.1% | 0.1% |
| 2012 | -$23M | +40.8% | -$24M | $-14.26 | -74.1% | -75.1% |
| 2011 | -$40M | -3771.4% | -$24M | $-242.25 | -90.7% | -54.5% |
| 2010 | -$1M | +85.5% | -$4M | $-11.85 | -2.3% | -8.8% |
| 2009 | -$7M | -276.5% | -$10M | $-43.05 | -14.9% | -20.9% |
| 2008 | $4M | +54.1% | $3M | $23.25 | 7.1% | 5.5% |
| 2007 | $3M | -31.5% | $2M | $15.00 | 5.8% | 3.9% |
| 2006 | $4M | +42.3% | $5M | $21.75 | 10.0% | 13.5% |
| 2005 | $3M | -45.3% | $4M | $15.45 | 8.1% | 12.8% |
| 2004 | $5M | +26.3% | $7M | $28.05 | 15.4% | 23.3% |
| 2003 | $4M | -18.7% | $7M | $22.80 | 12.5% | 22.5% |
| 2002 | $5M | +1311.6% | $6M | $28.35 | 14.3% | 17.0% |
| 2001 | $-389,000 | +65.7% | $-291,000 | $-3.90 | -1.2% | -0.9% |
| 2000 | -$1M | +74.8% | -$1M | $-7.95 | -3.8% | -3.4% |
| 1999 | -$5M | -550.0% | -$6M | $-30.30 | -14.6% | -19.4% |
| 1998 | $1M | +158.8% | $2M | $7.20 | 3.3% | 7.3% |
| 1997 | -$2M | -312.5% | -$3M | $-12.00 | -7.4% | -13.0% |
| 1996 | $800,000 | +0.0% | $1M | $5.25 | 3.3% | 5.8% |
| 1995 | $800,000 | - | $2M | $6.00 | 3.9% | 7.4% |
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Intrinsic Valuation
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CARV — Frequently Asked Questions
Quick answers to the most common questions about buying CARV stock.
What is CARV earnings per share (EPS)?
CARV trailing twelve-month (TTM) diluted EPS is $-2.47, reflecting +51.3% year-over-year growth. The 5-year EPS CAGR is N/A. Complete EPS history from 1995 to 2026 is available in the table on this page.
What is Carver Bancorp, Inc.'s net income?
Carver Bancorp, Inc. (CARV) trailing twelve-month net income is $-13M as of 2026. Earnings grew +51.3% year-over-year.
Is CARV profitable?
CARV is not currently profitable on a TTM basis, reporting a net loss of $-13M. Net margin is -16.8%. Investors should monitor for a return to profitability.
What is CARV's earnings growth rate?
CARV compound annual EPS growth rates (CAGR): 1-Year: N/A, 3-Year: N/A, 5-Year: N/A, 10-Year: N/A. These figures measure the annualised rate of diluted EPS growth over each period, based on data from 1995 to 2026.
What are CARV's profit margins?
Carver Bancorp, Inc. net profit margin is -16.8%, operating margin is -16.8%, and gross margin is +66.9%. Below-average margins reflect competitive or cost pressures. Return on Equity is -25.2%.
Is CARV growing earnings?
Yes, CARV earnings are accelerating — EPS growth of +51.3% exceeds the 5-year CAGR of N/A. TTM net income reached $-13M. Earnings momentum is strengthening.
What was CARV's best earnings year?
Carver Bancorp, Inc.'s highest annual net income on record is $5M, achieved in fiscal year 2018. Earnings history on this page spans 1995 to 2026 and includes all annual and quarterly figures.
What were CARV's earnings last quarter?
CARV's most recent reported quarter was Q2 2026. Net income was $-2M with diluted EPS of $-0.46. For a full breakdown of all quarters, see the quarterly earnings table on this page.