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MARKETS / BALCAO / CARV
BALCAO · SAVINGS INSTITUTION, FEDERALLY CHARTERED · SMALL CAP

Carver Bancorp Inc. CARV

16 fiscal years on record · USD · FY2024 reported · SEC filings only
$3.0M
▲ 1.5% YoY
$-13.7M
$-12.9M
Growth
USD 3.0M
Revenue, FY2024 · full 16-year series below
Revenue $M Net income $M
FY2024 · Revenue 3.0 · Net income -13.7
10M20M-20M200920112013201520172019202120232024
Compound annual growth
−15.5%
−14.1%
3 yrs
5 yrs
10 yrs
15 yrs

Compound annual rates per period — left blank where that exact year isn't on file, the series crosses a loss, or (per-share rows) a split falls inside the window.

Profitability
−458 cents
lost on every revenue dollar
Operating margin Net margin
FY2024 · Operating — · Net -457.7%
-200%-400%200920112013201520172019202120232024
ROE
FY2024 · ROE -38.2%
5%10%-10%-20%-30%200920112013201520172019202120232024

Each USD of equity lost 38 cents this year.

Cash & shareholders
returned in FY2024 · dividends + net buybacks
Free cash flow $M
FY2024 · FCF -12.9
20M-5M-10M200920112013201520172019202120232024
Net buybacks $M Dividends $M
FY2021 · Dividends — · Net buybacks -3.0
0.4M0.8M-1.0M-2.0M2009201020112012201320202021

Total assetsUSD 730.0M
EquityUSD 29.6M
CashUSD 50.3M
Gross debtUSD 20.2M
Net debtUSD -30.1M
DepositsUSD 661.8M

The company holds more cash than debt.

The 16-year record
16 fiscal years
Every figure from documents filed with the SEC · USD

EPS, diluted, dividend per share and shares outstanding are shown without shading, and a vertical line marks the year the share count changed — the series crosses a large, unexplained change in share count, so the years on either side are not on a comparable scale.

row low → row highnegative
Metric 2024202320222021202020192018201720162015201420132012201120102009
Revenue $B0.00.00.00.00.0········0.00.00.0
Operating income $B·········−0.0−0.0−0.00.0−0.0−0.0−0.0
EBITDA $B·········0.00.00.00.0−0.0−0.0−0.0
Income tax $B0.00.00.00.00.00.00.0−0.00.00.00.00.00.0−0.00.0−0.0
Net income $B−0.0−0.0−0.0−0.0−0.0−0.0−0.00.0−0.0−0.0−0.0−0.00.0−0.0−0.0−0.0
Free cash flow $B−0.0−0.0−0.00.00.0−0.0−0.0−0.00.0−0.00.00.00.00.00.00.0
EPS, diluted $−2.65−0.61−1.03−0.24−1.14−1.47−1.600.58−0.77−0.48−0.07−0.230.18−14.26··
Dividend / sh $················
Payout %···········−00−2··
ROE %−38.2−6.8−8.8−1.6−7.7−11.3−12.010.8−5.7−5.4−0.5−1.51.2···
Shares out B0.010.010.000.000.000.000.000.000.000.000.000.000.000.000.00·

Slide the table for earlier years · "·" marks a figure not available in our data for that year.

Provenance
Company facts, as filed
How we verify · 0 failures in 45 reconciliationsAUDITED

Reconciled in 16 of 19 fiscal years. 12 checks could not be computed.

EPS recomputationBalance-sheet identityGross profitBalance-sheet liquiditymoeda_consistente0 failures
ActivitySavings Institution, Federally Chartered
Listed onOTC market
Incorporated inDelaware
Fiscal year endsMarch 31
SEC categorysmaller reporting company
Data on record since2009

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